Alternative Payment Methods
Process alternative payment methods through the Host-to-Host API without requiring card details. This includes bank transfers, ACH payments, digital wallets, and buy-now-pay-later options.Overview
Alternative payment methods provide:- No Card Required: Process payments without credit/debit card details
- Simplified Flow: Reduced customer data requirements
- Regional Support: Local payment methods for different markets
- Lower Fees: Often lower processing fees than card payments
- Bank Integration: Direct bank account payments
Required Parameters
Customer Information
Parameter | Description | Required | Example |
---|---|---|---|
name | Customer full name | YES | ”Jane Smith” |
email | Customer email address | YES | ”jane@example.com” |
phoneNumber | Customer phone number | YES | ”+1234567890” |
address | Customer address | YES | ”456 Oak Avenue” |
city | Customer city | YES | ”Los Angeles” |
state | State or province | YES | ”CA” |
postalCode | ZIP or postal code | YES | ”90210” |
country | Country code (ISO 3166-1) | YES | ”US” |
Transaction Details
Parameter | Description | Required | Example |
---|---|---|---|
amount | Payment amount | YES | 150.00 |
unit | Currency code | YES | ”USD” |
originDomain | Merchant domain | YES | ”store.example.com” |
referenceId | Merchant reference | NO | ”INV-67890” |
Complete Request Example
Implementation Example
Supported Methods
Bank Transfers
- ACH Payments: Direct bank account transfers
- Wire Transfers: International bank transfers
- SEPA: European bank transfers
- Faster Payments: UK instant bank transfers
Digital Wallets
- PayPal: PayPal account payments
- Skrill: Skrill wallet payments
- Neteller: Neteller wallet payments
- Regional Wallets: Local digital wallet solutions
Buy Now, Pay Later
- Klarna: Klarna payment plans
- Afterpay: Afterpay installments
- Affirm: Affirm financing
- Sezzle: Sezzle payment plans
Error Handling
Common Error Codes
- INVALID_BANK_ACCOUNT: Invalid bank account details
- INSUFFICIENT_FUNDS: Insufficient funds in account
- BANK_DECLINED: Bank declined the transaction
- PAYMENT_METHOD_UNAVAILABLE: Selected method not available
Next Steps
UPI Payments
Learn about UPI payment integration
Payment Status
Track alternative payment status