Payment Methods

Payment Methods Overview

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Payment Methods in SaligPay

Payment methods represent the various ways customers can pay for goods and services through the SaligPay system. Understanding these payment methods is crucial for implementing effective payment processing solutions.

What is a Payment Method?

A Payment Method is a secure representation of your customer's payment information (e.g., card details, e-wallet account) that can be used to process payments. Payment methods abstract away sensitive financial information while enabling secure payment processing.

Key Benefits

1. Security: Payment methods safely store payment information without exposing sensitive details
2. Convenience: Customers can save payment methods for future purchases
3. Flexibility: Multiple payment options for different customer preferences
4. Compliance: Built-in PCI DSS compliance for card payments
5. Reusability: Payment methods can be used across multiple transactions

Supported Payment Method Types

SaligPay supports various payment method types tailored for the Philippine market:

Digital Wallets

• GCash: Philippines' leading mobile wallet
• Maya: Popular e-wallet service
• GrabPay: Integrated with the Grab super-app

Cards

• Credit Cards: Visa, Mastercard, JCB
• Debit Cards: Visa Debit, Mastercard Debit
• Prepaid Cards: Various prepaid card options

Bank Transfers

• InstaPay: Real-time interbank transfers
• PesoNet: Electronic clearing for bank transfers

Payment Method Lifecycle

The typical lifecycle of a Payment Method involves:

1. Collection: Payment details collected from the customer
2. Tokenization: Sensitive data replaced with secure token
3. Storage: Secure storage of payment method tokens
4. Usage: Payment method used for transactions
5. Management: Updating or removing payment methods

Security Standards

All payment methods in SaligPay adhere to strict security standards:

• PCI DSS Compliance: For card-based payments
• Tokenization: Sensitive data replaced with non-sensitive tokens
• Encryption: All data encrypted in transit and at rest
• Authentication: Multi-factor authentication where required
• Fraud Prevention: Advanced fraud detection mechanisms

API Integration

Payment methods can be integrated through:

• REST API: Direct HTTP calls to SaligPay endpoints
• SDK: Client-side and server-side libraries
• Webhooks: Real-time notifications about payment method changes

SDK Integration

The SaligPay SDK simplifies payment method handling:

Code
 
import { SaligPay } from "saligpay-node";

const saligpay = new SaligPay({
    clientId: process.env.SALIGPAY_CLIENT_ID!,
    clientSecret: process.env.SALIGPAY_CLIENT_SECRET!,
    env: "sandbox",
});

const intent = await saligpay.paymentIntents.create({
    amount: 10000,
    description: "Payment with saved card",
    externalId: "order-789",
    contact: {
        name: "Juan Dela Cruz",
        email: "juan@example.com",
    },
});

console.log("Available payment methods:", intent.paymentMethods);

For more details on specific payment method operations, see the other guides in this section.