International Acquiring, Payment Gateway & Settlement Capabilities
Explore Cropay’s payment infrastructure across international card acquiring, payment gateway APIs, regional payment methods, settlement, and risk controls.
Scope & readiness
Business & Capability Verification
Supported regions, card schemes, settlement cycles, and technical integration modes are verified item by item based on your merchant entity, business model, and acquiring approval.
Every payment capability is defined alongside its applicable merchant scope, integration mode, and compliance boundaries. We help digital platforms match verified acquiring and gateway modules to their real transaction workflows.
Core Capability Modules
International Card Acquiring
Cross-border card acceptance evaluated by merchant entity, target market, industry category, and risk profile.
Payment Gateway & API
Unified order creation, 3DS2 redirection, webhook notifications, refunds, and reconciliation interfaces.
Local Payment Methods
Regional payment options evaluated case by case according to target market coverage and merchant eligibility.
Multi-Currency & Settlement
Coordinate presentment currencies, settlement currencies, rolling reserves, and statement reconciliation.
How Capabilities Connect Across the Transaction Lifecycle
01 Checkout & Authorization
Initiate one-time payment orders via Hosted, Embedded, or API integration with 3DS2 authentication.
02 Webhook & Order Sync
Receive signed asynchronous notifications and query endpoints to keep merchant order states accurate.
03 Refund & Exception Handling
Process full or partial refunds and handle expired, failed, or disputed transactions through standardized workflows.
04 Settlement & Reconciliation
Reconcile transaction batches, fees, refunds, and reserve releases against settlement reports.
Capabilities, Evidence & Compliance Boundaries
Underwriting Prerequisite
Capabilities described on the website represent product architecture; live availability requires formal merchant underwriting.
One-Time Transaction Scope
All product modules currently operate on one-time user-initiated transactions without automated subscription rebilling.
Security & PCI Boundaries
Available integration modes depend on your PCI DSS compliance level and technical security architecture.
Gateway sequence diagram
One-Time Checkout, 3DS2 & Signed Webhook Sequence Architecture
Technical comparison matrix
Hosted vs. Embedded vs. Server API Integration Comparison
Comparison of Cropay payment gateway integration modes across PCI DSS compliance scope, 3DS2 handling, and engineering effort.
| Integration Mode | PCI DSS Scope | Checkout UX & Control | 3DS2 & Webhook Flow | Recommended Platform Scenario |
|---|---|---|---|---|
| Hosted Checkout | Lowest (SAQ A eligible; gateway hosts card entry) | Redirect to Cropay-hosted responsive checkout page | Gateway manages 3DS2 redirect; server verifies signed webhook | Fast cross-border launch for web & mobile dating/streaming platforms |
| Embedded Checkout | Moderate (requires approved security & domain review) | In-page embedded payment component within merchant UI | Component handles 3DS2 challenge frame + server webhook confirmation | Platforms requiring uninterrupted in-app/in-room top-up experience |
| Server-to-Server API | Strictest (requires full PCI DSS certification if handling raw PAN) | Full custom merchant-controlled order & status orchestration | Idempotent REST session creation + HMAC/RSA webhook + query API | High-concurrency wallet ledgers, automated refund & reconciliation sync |
FAQ
Frequently Asked Questions
Can we combine international card acquiring with regional local payment methods?
Yes, subject to target region availability and underwriting approval for your specific merchant entity and industry.
Which integration mode requires the lowest compliance overhead?
Hosted Checkout delegates payment page rendering and card data collection to the gateway, minimizing your PCI DSS exposure.
Are refunds and transaction queries available via API?
Yes. Standard API and merchant dashboard workflows support order status queries, cancellations, and refunds subject to channel rules.
Business assessment
Evaluate Available Payment Capabilities for Your Business
Submit your corporate entity, website or app URL, target markets, billing items, transaction model, and preferred integration mode for a structured onboarding review.
Submit Onboarding Assessment