Payment gateways

Supported payment gateway types and how to assign them to markets

Three gateway types — PSD2-ready, external, and manual — can be connected to markets, giving you full control over payment processing per business context.

How payment gateways work

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

Commerce Layer payments are idempotent. Order and payment statuses are guaranteed to remain consistent across multiple updates throughout the whole payment process.

Taxes are automatically calculated at checkout based on the price list associated with the market.

PSD2-ready gateways

PSD2-ready gateways are compliant with the PSD2 European regulation, which applies to all credit card payments. They allow you 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 — Adyen, Axerve, Braintree, Checkout.com, Klarna, PayPal, Satispay, and Stripe — all PSD2-compliant.

External payment gateways

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

You can create an external payment gateway and define custom endpoints 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 is responsible for the integration with the payment gateway. The payment source associated with the order must be an external payment.

Manual payment gateways

Manual payment gateways are useful for processing wire transfers, cash payments, and other kinds of manual payments. This gateway type is associated with orders as their payment source type. Payments with manual gateways are always authorized.