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Online payments

Accept online payments through one integration.

Rainbow Pay gives eligible businesses a structured way to accept and manage online payments while keeping payment operations connected to a single API environment.

Capabilities

Payment acceptance

Support configured card and wallet payment methods through your Rainbow Pay merchant setup.

Payment lifecycle

Create payments, retrieve payment information, manage payment status and issue supported refunds.

Authentication

Support 3-D Secure flows where required by the applicable payment configuration.

Authorisation and capture

Use supported two-step payment flows when your business requires separate confirmation of a payment.

Notifications

Receive payment status updates through server callbacks.

Payment lookup

Retrieve a single payment by token or list payments by date range and order number.

How an online payment moves

A typical card payment through Rainbow Pay follows the same sequence whether you use Hosted Checkout or the API.
  1. 01

    Create

    Your server creates a payment with the amount, currency, order number and callback URL.

    POST /api/v1/payments
  2. 02

    Authenticate

    The customer completes payment details and, where required, 3-D Secure authentication.

  3. 03

    Process

    The payment is processed under your merchant configuration and reaches a final status.

  4. 04

    Notify

    Rainbow Pay posts the status to your callback URL and returns the customer to your site.

Payment methods available for eligible merchant configurations

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.

Ready to discuss your payment setup?

Tell us how your business accepts payments today and what you need from your next payment integration.

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