Set payment method for Google Pay, Apple Pay, and Credit Cards

Paybis has improved its payment processing capabilities by splitting Credit Card, Apple Pay, and Google Pay into separate payment methods. This guide explains how this change affects different integration types and how you can leverage it to provide a more tailored payment experience for your users.

Background

Previously, these three payment methods were grouped under a single "Credit Card" payment method, limiting partners' ability to set different fees or configurations for each method. This update addresses this limitation by creating distinct each payment method.

Benefits

Granular fee control: Set individual partner fees for Google Pay, Apple Pay, and Credit Cards, allowing for more flexible pricing strategies and promotions.
Improved user experience: Provide users with clear and distinct payment method options, improving transparency and choice.

Integration steps

You will now interact with three separate payment methods (Credit Card, Apple Pay, Google Pay) instead of one.

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To ensure you can utilize the separate payment method setup (Credit Card, Apple Pay, Google Pay), please confirm with your account manager that this configuration has been applied to your business product account.

Retrieve payment methods: When fetching available payment methods using the [GET /v2/payment-methods/{currencyFrom}/{currencyTo}](https://docs.payb.is/reference/getpaymentmethodsv2) endpoint, you will now receive separate entries for Google Pay, Apple Pay, and Credit Cards.
Request quotes: You can request separate quotes for each payment method using the [POST /v2/quote](https://docs.payb.is/reference/createquotev2) endpoint. Ensure you specify the correct paymentMethod in the request body.
Display payment options: Present the three payment methods as distinct options in your UI.
Process transactions: When initiating a transaction, use the appropriate paymentMethod ID in the request to ensure correct processing and fee calculation.

Example:

To illustrate how to handle these new payment methods, let's consider an example with the POST /v2/quote endpoint.

{
  "amount": "100", 
  "currencyCodeFrom": "USD",
  "currencyCodeTo": "BTC",
  "directionChange": "from",
  "paymentMethod": "apple_pay" // or "google_pay" or "credit_card"
}

By specifying the paymentMethod in the request body, you can generate a quote specifically for Apple Pay, Google Pay, or Credit Card.

Partner Portal and Analytics

The Partner Portal allows you to set different partner fees for each of the three payment methods.
For analytics purposes, transactions may still be grouped under "Credit Card" to simplify reporting.

By understanding and utilizing this new Payment methods setup, you can provide a more tailored and transparent payment experience for your users while optimizing your fee structures and business operations.