Payment gateways

Payment gateways

Payment gateways allow users to process payments through Commerce Layer's API safely. Users can connect different gateways to different markets via the available payment methods. Commerce Layer currently supports specific PSD2-ready gateways, along with custom external gateways and manual gateways.

Taxes will be automatically calculated at checkout. If the price list associated with a market does not include taxes, they will be added to the order total, and customers will be charged. If the price list associated with a market includes taxes, the tax will only be reflected in the order summary.

Please note that Commerce Layer payments are idempotent. The order and payment statuses are granted to be consistent upon multiple updates, throughout the whole payment process.

PSD2-ready gateways

PSD2-ready gateways are compliant with the new PSD2 European regulation. The PSD2 European regulation applies to all credit card payments. PSD2-ready gateways allow users to implement a payment flow that supports SCA (Strong Customer Authentication) and 3DS2 (3D Secure 2) using the gateway's official SDK. Commerce Layer is currently integrated with some of the most popular payment gateways (Stripe, Adyen, Braintree, Klarna, Paypal, Axerve, Satispay), all compliant with the PSD2 European regulation.

External payment gateways

External payment gateways allow users to set up and configure payment gateways that are not integrated with Commerce Layer by default.

Users will create an external payment gateway and define custom endpoint(s) responding to the following actions:

• Authorization — to authorize a payment source.
• Capture — to capture an authorization.
• Void — to cancel a payment authorization.
• Refund — to refund a captured payment, either totally or partially.
• Customer token — to create a customer payment token

The external endpoint will be responsible for the integration with the payment gateway. For this to work, the payment source associated with the order must be an external payment.

Manual payment gateways

Manual payment gateways are useful to process a wire transfer, cash payments, and other kinds of manual payments. This kind of gateway will be associated with orders as their payment source type. Payments with manual gateways are always authorized.