01 / SOLUTIONS

Where this recipe fits

Three patterns we've seen ISVs implement most often in Retail.

01   Multi-location chain
500+ independent retail shops with turnkey POS + online checkout, all bundled in one contract.

02   Boutique eCommerce
Small retailers accepting online payments via Unified Checkout with Pay By Link for social selling.

03   Enterprise omni-channel
2,000+ merchants across regions with unified reporting, custom fraud rules, and multi-currency settlement.

02 / CAPABILITIES

The payment stack

What you'll wire up. The products and capabilities in this recipe.

Accept Payments   required · API / SDK
Authorize and capture transactions across CP and CNP channels.

Unified Checkout   recommended · HOSTED / NO-CODE
Hosted UI for in-store and online payment. SAQ-A PCI scope.

Token Mgmt Service   required · API / SDK
Tokenize cards for repeat purchase and subscription flows.

Card Present Terminals   required · API / SDK
Connect POS terminals, manage device fleet, contactless acceptance in-store.

Pay By Link   required · HOSTED / NO-CODE
Secure branded links for social selling and remote payment collection.

Digital Invoicing   required · API
Payment-enabled invoices with embedded payment options.

Fraud Management Essentials   optional · API
Rule-based fraud screening with velocity checks - default for SMB merchants.

Recurring Billing   required · API / SDK
Subscription billing schedules with intelligent retry logic.

Decision Manager   recommended · API
Advanced ML fraud scoring with custom risk models - recommended for Enterprise.

Account Updater   optional · API
Auto-refresh expired cards to reduce payment failures and involuntary churn.

Multi-Currency Pricing   optional · API
Display in shopper's currency, settle in merchant's currency.

Digital Wallet Integration   optional · API
Apple Pay, Google Pay, Click to Pay for frictionless checkout.

03 / BUILD

API reference

Reference for every API in the stack, grouped by integration concern.

Payment Authorization   required
Authorize transactions across supported channels.

Refund & Void   required
Process refunds, void pending auths, handle reversals.

Recommended paths for merchants to accept card payments across CP and CNP channels.

Unified Checkout   recommended
Hosted UI with card capture, digital wallets, 3DS. SAQ-A eligible.   Docs ↗

Card Present Terminals   recommended
In-store POS, contactless, device fleet management.

Flex Microform v2   alternative
Tokenized card fields with full UI control.   Docs ↗

Pay By Link   required
Secure branded payment links for social selling and remote collection.   Docs ↗

Digital Invoicing   required
Generate payment-enabled invoices with embedded payment options.   Docs ↗

Virtual Terminal   optional
Manual card entry for MOTO (Mail Order/Telephone Order) transactions.

Payment Capture   required
Full, partial, and split capture support.

Tokenization Service   required
VTS integration — improves auth rates and meets scheme mandates.   Docs ↗

Recurring Billing   required
Subscription schedules with retry logic and lifecycle management.   Docs ↗

Fraud Management Essentials   required
Rule-based fraud screening with velocity checks.

Reporting & Transaction Search   required
Settlement reports, dispute management, export capabilities.

Decision Manager   optional
ML-based fraud scoring — Enterprise tier.

Payer Authentication (3DS2)   optional
SCA compliance with risk-based exemptions.

Account Updater   optional
Auto-update expired/reissued cards.

Multi-Currency Pricing   optional
Cross-border retail pricing in shopper's local currency.

04 / CONSIDERATIONS

Regional insights

What's different about Retail — surface the constraints before you architect.