Payment Setup

Configure payment providers to start accepting payments from customers worldwide.

How Payments Work

Direct Payments - You Keep 100%

Pixlpay uses direct payments - customer funds go straight to YOUR payment provider account. We never touch your customer's money. You only pay the payment provider's processing fees.

Pixlpay earns revenue from monthly subscriptions, not from taking a cut of your sales.

Supported Payment Providers

Pixlpay supports 11 payment providers covering customers globally:

Provider	Best For	Payment Types
Stripe	Global, US, EU, UK	Cards, Apple Pay, Google Pay, Klarna
PayPal	Global	PayPal Balance, Cards, Venmo
Razorpay	India	Cards, UPI, Netbanking, Wallets
Iyzico	Turkey	Cards, BKM Express
PayTR	Turkey	Cards, Bank Transfers
Mollie	Europe	iDEAL, Bancontact, SEPA, Cards
Paystack	Africa	Cards, Bank Transfers, Mobile Money
Xendit	Southeast Asia	E-wallets, Bank Transfers, Cards
Paymob	MENA (Middle East)	Cards, Fawry, Mobile Wallets
Mercado Pago	Latin America	Cards, PIX, Boleto
CoinPayments	Global (Crypto)	Bitcoin, Ethereum, 100+ Cryptos

Quick Start

1. Go to Settings > Payments
2. Click Configure on your preferred provider
3. Complete the setup (OAuth or API credentials)
4. Enable the provider
5. Optionally set as primary

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Stripe

Best for: Global coverage, US, EU, UK, Australia, Canada

Why Stripe?

• Largest global coverage (46+ countries)
• Apple Pay & Google Pay included
• Klarna (Buy Now, Pay Later)
• Best-in-class fraud protection
• Automatic payouts

Setup Steps

1. Go to Settings > Payments
2. Click Connect Stripe
3. Sign in to your Stripe account (or create one)
4. Authorize Pixlpay to connect
5. Complete Stripe's verification if needed

OAuth Connection

Stripe uses OAuth, so you never enter API keys in Pixlpay. This is the most secure connection method.

Stripe Verification Requirements

Stripe requires verification before you can receive payouts:

Requirement	Details
Business Info	Legal business name, address, type
Bank Account	Account for receiving payouts
Identity	ID verification for account owner
Tax Info	Tax ID (varies by country)

Stripe Fees

Payment Type	Fee (US)
Cards	2.9% + $0.30
International cards	+1.5%
Currency conversion	+1%
Apple/Google Pay	2.9% + $0.30
Klarna	5.99% + $0.30

Fees vary by country. View Stripe pricing

Stripe Features in Pixlpay

• Automatic OAuth connection
• Real-time payment status
• Refunds from Pixlpay dashboard
• Dispute notifications
• Payout tracking

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PayPal

Best for: Global coverage, customers who prefer PayPal

Why PayPal?

• Trusted brand customers recognize
• PayPal balance payments
• Venmo (US)
• Pay in 4 (BNPL)

Setup Steps

1. Go to Settings > Payments
2. Find PayPal and click Configure
3. Enter your PayPal API credentials:
   • Client ID
   • Client Secret
4. Choose environment (Sandbox for testing, Live for production)
5. Save and enable

Getting PayPal API Credentials

1. Log in to PayPal Developer Dashboard
2. Go to Apps & Credentials
3. Click Create App
4. Name it (e.g., "Pixlpay Store")
5. Copy the Client ID and Secret

Live vs Sandbox

Make sure to use Live credentials for real payments. Sandbox is for testing only.

PayPal Fees

Payment Type	Fee (US)
PayPal balance	2.9% + $0.30
Cards via PayPal	2.9% + $0.30
International	+1.5%
Venmo	2.9% + $0.30

View PayPal pricing

PayPal Webhook Setup

Pixlpay automatically handles PayPal webhooks. No manual configuration needed.

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Razorpay

Best for: India - accept UPI, Netbanking, and Indian cards

Why Razorpay?

• UPI payments (most popular in India)
• All Indian banks supported
• Indian card networks (RuPay)
• Wallets (Paytm, PhonePe)
• INR settlements

Setup Steps

1. Create a Razorpay account
2. Complete KYC verification
3. Go to Settings > API Keys in Razorpay dashboard
4. Generate a new API key pair
5. In Pixlpay, go to Settings > Payments > Razorpay
6. Enter:
   • Key ID (starts with rzp_live_ or rzp_test_)
   • Key Secret
7. Save and enable

Razorpay Verification

Razorpay requires:

• PAN card
• GST number (if applicable)
• Bank account (Indian)
• Business documents

Razorpay Fees

Payment Type	Fee
UPI	2%
Netbanking	2%
Credit Cards	2%
Debit Cards	2%
Wallets	2%

View Razorpay pricing

Razorpay Webhook Setup

1. In Razorpay dashboard, go to Settings > Webhooks
2. Add webhook URL: https://api.pixlpay.net/webhooks/razorpay
3. Select events: payment.captured, payment.failed, refund.created
4. Copy the webhook secret to Pixlpay settings

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Iyzico

Best for: Turkey - accept Turkish cards and local payment methods

Why Iyzico?

• All Turkish banks supported
• BKM Express integration
• Installment payments
• TRY settlements
• Local customer support

Setup Steps

1. Create an Iyzico account
2. Complete merchant verification
3. Go to Settings in Iyzico dashboard
4. Find your API credentials
5. In Pixlpay, go to Settings > Payments > Iyzico
6. Enter:
   • API Key
   • Secret Key
   • Base URL (sandbox or production)
7. Save and enable

Iyzico Fees

Payment Type	Fee
Turkish Cards	2.49% + TRY 0.25
International	3.49% + TRY 0.25
BKM Express	2.49% + TRY 0.25

View Iyzico pricing

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PayTR

Best for: Turkey - alternative to Iyzico with competitive rates

Why PayTR?

• Competitive Turkish rates
• All major Turkish banks
• Virtual POS support
• TRY settlements

Setup Steps

1. Create a PayTR account
2. Complete merchant verification
3. Get your API credentials from PayTR dashboard
4. In Pixlpay, go to Settings > Payments > PayTR
5. Enter:
   • Merchant ID
   • Merchant Key
   • Merchant Salt
6. Save and enable

PayTR Fees

Payment Type	Fee
Turkish Cards	2.49%
Bank Transfer	Lower rates

Contact PayTR for custom pricing.

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Mollie

Best for: Europe - iDEAL, Bancontact, SEPA, and European cards

Why Mollie?

• iDEAL (Netherlands - 60% of payments)
• Bancontact (Belgium)
• SEPA Direct Debit
• Giropay (Germany)
• EPS (Austria)
• Przelewy24 (Poland)
• EUR settlements

Setup Steps

1. Create a Mollie account
2. Complete verification
3. Go to Developers > API Keys in Mollie dashboard
4. Copy your Live API Key
5. In Pixlpay, go to Settings > Payments > Mollie
6. Enter your API Key
7. Save and enable

Mollie Fees

Payment Type	Fee
iDEAL	€0.29
Cards	1.8% + €0.25
Bancontact	1.4% + €0.25
SEPA	€0.25 + €0.25
Klarna	2.99% + €0.29

View Mollie pricing

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Paystack

Best for: Africa - Nigeria, Ghana, South Africa, Kenya

Why Paystack?

• Local African cards
• Mobile money (M-Pesa, etc.)
• Bank transfers
• USSD payments
• Local currency settlements

Setup Steps

1. Create a Paystack account
2. Complete KYC verification
3. Go to Settings > API Keys in Paystack dashboard
4. In Pixlpay, go to Settings > Payments > Paystack
5. Enter:
   • Public Key
   • Secret Key
6. Save and enable

Paystack Fees

Region	Fee
Nigeria	1.5% + NGN 100 (capped at NGN 2000)
Ghana	1.95% (no cap)
South Africa	2.9% + R2
Kenya	2.9%

View Paystack pricing

Paystack Webhook Setup

1. In Paystack dashboard, go to Settings > API Keys & Webhooks
2. Add webhook URL: https://api.pixlpay.net/webhooks/paystack
3. Copy the webhook secret to Pixlpay settings

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Xendit

Best for: Southeast Asia - Indonesia, Philippines, Vietnam, Thailand, Malaysia

Why Xendit?

• E-wallets (GoPay, OVO, Dana, GCash)
• Bank transfers
• QR payments
• Virtual accounts
• Local currency settlements

Setup Steps

1. Create a Xendit account
2. Complete business verification
3. Go to Settings > API Keys in Xendit dashboard
4. Generate an API key
5. In Pixlpay, go to Settings > Payments > Xendit
6. Enter:
   • API Key (Secret Key)
   • Callback Token (for webhooks)
7. Save and enable

Xendit Fees

Country	Card Fee	E-wallet Fee
Indonesia	2.9% + IDR 2000	1.5%
Philippines	3.5% + PHP 15	2%
Vietnam	2.9%	1.5%

View Xendit pricing

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Paymob

Best for: MENA - Egypt, UAE, Saudi Arabia, Pakistan

Why Paymob?

• Middle East coverage
• Fawry (Egypt cash payments)
• Mobile wallets
• Local cards
• Local currency settlements

Setup Steps

1. Create a Paymob account
2. Complete merchant verification
3. Get your API credentials from Paymob dashboard
4. In Pixlpay, go to Settings > Payments > Paymob
5. Enter:
   • API Key
   • Integration ID
   • HMAC Secret
   • Iframe ID
6. Save and enable

Paymob Fees

Payment Type	Fee
Cards (Egypt)	2.5%
Fawry	2%
Mobile Wallets	1%

Contact Paymob for regional pricing.

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Mercado Pago

Best for: Latin America - Brazil, Argentina, Mexico, Chile, Colombia

Why Mercado Pago?

• PIX (Brazil - instant payments)
• Boleto (Brazil - cash payments)
• Local cards
• Cash at convenience stores
• Local currency settlements

Setup Steps

1. Create a Mercado Pago account
2. Go to Your Integrations in developer settings
3. Create an application
4. Get your credentials
5. In Pixlpay, go to Settings > Payments > Mercado Pago
6. Enter:
   • Public Key
   • Access Token
7. Save and enable

Mercado Pago Fees

Country	Fee
Brazil	4.99%
Argentina	4.99% + IVA
Mexico	3.99% + IVA

View Mercado Pago pricing

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CoinPayments

Best for: Cryptocurrency payments - Bitcoin, Ethereum, and 100+ altcoins

Why CoinPayments?

• 100+ cryptocurrencies
• Low fees (0.5%)
• Auto-conversion to stablecoins
• Instant confirmations for some coins
• Global availability

Setup Steps

1. Create a CoinPayments account
2. Go to Account > Account Settings > Merchant Settings
3. Generate an API key pair
4. Configure IPN (Instant Payment Notification)
5. In Pixlpay, go to Settings > Payments > CoinPayments
6. Enter:
   • Merchant ID
   • IPN Secret
   • Public Key
   • Private Key
7. Save and enable

CoinPayments Webhook Setup

1. In CoinPayments, go to Account > Account Settings > Merchant Settings
2. Set IPN URL: https://api.pixlpay.net/webhooks/coinpayments
3. Set IPN Secret (copy to Pixlpay)
4. Enable IPN notifications

CoinPayments Fees

Type	Fee
All cryptocurrencies	0.5%
Conversion to stablecoin	+0.5%

View CoinPayments fees

Supported Cryptocurrencies

Top supported coins:

• Bitcoin (BTC)
• Ethereum (ETH)
• Litecoin (LTC)
• USDT (Tether)
• USDC
• And 100+ more

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Multiple Providers

You can enable multiple payment providers simultaneously:

Benefits

• Regional coverage: Use Razorpay for India, Mollie for Europe
• Customer choice: Let customers pick their preferred method
• Redundancy: Backup if one provider has issues
• Optimization: Route to cheapest provider

Setting Primary Provider

1. Go to Settings > Payments
2. Find your preferred provider
3. Click Set as Primary

The primary provider appears first at checkout, but customers can choose others.

At Checkout

Customers see all enabled providers and can choose:

Payment Method
○ Pay with Card (Stripe)
○ PayPal
○ UPI / Netbanking (Razorpay)
○ Cryptocurrency

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Testing Payments

Before going live, test your setup:

1. Enable test/sandbox mode in your provider dashboard
2. Use test card numbers (see below)
3. Make test purchases on your store
4. Verify orders appear in Pixlpay
5. Switch to live mode when ready

Test Card Numbers

Provider	Test Card
Stripe	4242 4242 4242 4242
PayPal	Use sandbox accounts
Razorpay	4111 1111 1111 1111
Others	Check provider docs

Use any future expiry date and any CVC.

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Troubleshooting

Payment Not Completing

1. Check provider dashboard for errors
2. Verify API credentials are correct
3. Ensure webhooks are configured
4. Check if test mode is accidentally on

Provider Not Appearing at Checkout

1. Verify provider is enabled in Settings
2. Check if provider supports customer's currency
3. Ensure credentials are valid

Webhook Issues

1. Verify webhook URL is correct
2. Check webhook secret matches
3. View webhook logs in provider dashboard

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Need Help?

• Provider Issues: Contact the payment provider directly
• Pixlpay Issues: support@pixlpay.net
• Documentation: Check each provider's docs linked above