What is PayPlus? What can I do?
PayPlus is a payment gateway designed to handle a variety of use cases you might require with
With PayPlus you can:
- Accept payments from Mastercard or VISA credit cards
- Accept payments from other systems, like PayPal, Klarna, Mybank, and others
- Accept recurring payments, like subscriptions.
- PCI-DSS compliance - you (the merchant) will never encounter a credit card number.
- Simplify the billing of your applications by allocating to us the management of your
Using only a few lines of code, you will be able to integrate payment management with virtual
wallets to your application.
PayPlus can be integrated via our RESTful API.
Testing is available in the sandbox environment - simply deploy to production as soon as you are
ready by switching the URL endpoint.
Step 1 - Signing up
Register on PayPlus back office.
Our self-provisioning form is not yet ready, though in the meantime you can complete this step
by sending your request to our support team here.
Please include the following information:
- Details of your company (name, country, full address and VAT code if any)
- Business sector
- Description of the services/products sold
- Total monthly volume
Step 2 - Configure your PayPlus account
Our support team will reply with the necessary information you need to authorize the API - in
- An application key, to be passed within parameters when it is necessary
- A unique passphrase, to be used to create the Authorization Token
Step 3 - Connect your application
With the parameters received you can now make use of our API as indicated in the Reference Guide.
Please remember that the production environment is available on the following endpoint:
- Once you have a passphrase, you can create an authorization token.
- That token must be passed adding an "Authorization" HTTP header
- The token is the base64-encoded SHA–256 hash of the POST body.
- The signing key used to encrypt the authorization token must be the passphrase associated with
the application referenced in POST body.
const nJwt = require('nJwt')
// create authorization token
let jwt = nJwt.create(body, AppPassPhrase, 'HS256')
let token = jwt.compact()
PayPlus supports encryption to protect communications between us and your web application. Just
specify an HTTPS URL.
In addition, PayPlus supports the TLS cryptographic protocol.
Note: PayPlus does not support self-signed certificates.
Application - any app or service you connect to and use the PayPlus+ API.
Each application is made of:
- A date range: timeframe of the application’s usabilit
- Accounts: to manage users, cash, and/or services
- Products: to manage billing services and validate transactions
You can further manage your applications by setting up notifications, getting transaction histories
and accessing overdrafts.
Each app you link to PayPlus+ has a dedicated account. Every account houses master and child
accounts to help you administer your app and its users.
Accounts (and so their child accounts) can be filled either with cash or with what we call "billable
actions". Hence, with app queries, it is not only possible to work on a user's wallet, but also on
the available actions given the amount they have charged the account. This is useful for companies
who sell particular services (e.g: telco companies, food delivery, etc.) or have billing models
based on user interaction.
Example: Imagine Addy, a brand new advertising marketplace. Addy delivers ads from its users, and
pay on the volume of valid interactions that ad viewers have with those; hence Addy users buy
prepaid packages of viewers clicks, while PayPlus cares for filling and withdrawing the account with
Example: Let's imagine "CoffeeBreak!" - an app allowing people to pay for food & drink from vending
machines. Users will have to decide whether to fill a personal wallet or use a credit card to
proceed with the purchase. PayPlus+ back-office can both manage the "one-shot-payment" via Credit
Card or simply fill with money and withdraw from the wallet based on the actions the user takes
(purchasing an espresso or a sandwich.)
With product(s) we refer to what you sell:
- Monthly subscriptions
- Single items
- One-shot payments
Products have a unique name, a defined amount, and they can be:
- One-Time: Imagine you are selling fresh organic vegetables to be delivered everywhere in the
city. Users will pay a one-shot based on the goods they choose (products and queries).
- Recurring: Imagine you are a SaaS company that uses a subscription-based business model. You
simply set the subscription name, the amount, and the recurring period to see it work.
- Pay-As-You-Go: In this case, you linked the account to a wallet that users will fund in exchange
for services and/or goods (billable actions). Say you created an app that simplifies the payment
of car parking, users will fulfil the wallet and will use it to pay for parking.