Direct API Integration

ADVANCED

Build a fully custom, white-labeled payment experience. With Direct API, you design your own checkout UI and interact directly with PaynPlus endpoints to process transactions.

PCI-DSS Compliance Required for Cards

If you are collecting raw credit card details directly on your server, your business must be fully PCI-DSS certified. For e-wallets (GCash, Maya) or QRPh, strict PCI compliance is not required as the user is redirected to the provider's secure app.

Why choose Direct API?

Full UI Control

Design a checkout flow that perfectly matches your app or website's branding without redirecting to a PaynPlus hosted page.

Custom Business Logic

Implement complex logic like split payments, delayed captures, or multi-step shopping carts natively.

Creating a Payment Intent

To start a direct payment, call the /v1/payment-intents endpoint from your secure backend.

POST /v1/payment-intents

const response = await fetch('https://api.paynplus.com/v1/payment-intents', {
  method: 'POST',
  headers: {
    'Authorization': 'Bearer sk_live_your_secret_key',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    amount: 1800.50,
    currency: 'PHP',
    payment_method: 'maya',
    return_url: 'https://yourstore.com/checkout/complete'
  })
});

Handling the Response

For e-wallets like Maya or GCash, the API will return an action.url. You must redirect your customer to this URL to authorize the payment on their app.

{
  "id": "pi_9876543210zyxwv",
  "amount": 1800.50,
  "status": "REQUIRES_ACTION",
  "next_action": {
    "type": "redirect",
    "url": "https://pay.maya.ph/checkout/abc123def456"
  }
}

Specific Integrations

Select a payment method below to see specific payload requirements and flows.