Online payments
Accept online payments through one integration.
Capabilities
Payment acceptance
Payment lifecycle
Authentication
Authorisation and capture
Notifications
Payment lookup
How an online payment moves
- 01
Create
Your server creates a payment with the amount, currency, order number and callback URL.
POST /api/v1/payments - 02
Authenticate
The customer completes payment details and, where required, 3-D Secure authentication.
- 03
Process
The payment is processed under your merchant configuration and reaches a final status.
- 04
Notify
Rainbow Pay posts the status to your callback URL and returns the customer to your site.
Cards
- UnionPay
Digital wallets
- AlipayHK
- WeChat Pay
Local payment methods
- FPS
One integration for the methods you are configured for
Your Rainbow Pay setup determines which payment methods your customers see. Card and digital wallet methods are enabled per merchant configuration after onboarding, so the same integration can carry the methods that apply to your business, markets and customers.
Availability is subject to merchant eligibility, integration configuration and market support.
Clear payment states
Every payment carries an explicit status, so your order system always knows where a payment stands. Final states are reported to your callback URL and can be confirmed at any time by retrieving the payment.
- init — the payment has been created
- pending — the customer is completing payment
- approved — the payment completed successfully
- declined — the payment did not complete
- refunded — the payment was refunded
- expired — the payment was abandoned
Two-step payments
For businesses that confirm an order before taking funds — for example after checking stock or completing a service — a payment can be created with needConfirmation and later confirmed or declined through the API. Two-step flows are available for supported payment configurations.
Related products
Ready to discuss your payment setup?
Tell us how your business accepts payments today and what you need from your next payment integration.