ParlyPay API Payment Gateway
An API-driven payment layer for businesses that need to accept payments, manage orders, handle subscriptions, and track payment events across supported rails.
Overview
ParlyPay API Payment Gateway is built around standard payment API patterns used across the industry: create an order, authorize or capture payment, handle refunds, support subscriptions, and receive event updates through webhooks. Parlypay’s REST APIs follow this same general structure through Orders, Payments, Subscriptions, and Webhooks.
What it does
ParlyPay API Payment Gateway helps businesses:
- Accept payments through integration
- Create and manage payment orders
- Authorize and capture transactions
- Receive event notifications through webhooks
- Track payment status in real time
Key features
Developer Tools
REST APIs for all operations Webhooks for real-time updates SDKs (JavaScript, Python, PHP, etc.) Sandbox/testing environment
Payment Acceptance
Debit & Credit Cards (Visa, Mastercard, Verve, Amex) Bank Transfers (local & international) Mobile Money (region-specific) Digital Wallets (Apple Pay, Google Pay)
Transaction Flow Handling
Authorization (real-time approval/decline) Capture (instant or delayed) Void (cancel before settlement) Refunds (full & partial) Recurring billing / subscriptions
Checkout Infrastructure
Hosted payment pages Embedded checkout (API-based) Custom UI/SDK checkout Mobile-optimized checkout
Payment Links & Invoicing
Shareable payment links Invoice generation Email/SMS payment requests
Customer Experience
Saved cards (tokenization) One-click payments Guest checkout Payment retry logic
Settlement Capabilities
Automated settlements to merchants Settlement cycles (T+1, T+2, etc.) Multi-bank payout support
Authentication
3D Secure (2.0) OTP / multi-factor authentication (MFA) Strong Customer Authentication (SCA – EU)
Integration Capabilities
E-commerce plugins (Shopify, WooCommerce) ERP/accounting integrations Custom backend integrations
Best for
- SaaS companies
- Marketplaces
- Digital commerce platforms
- Recurring online expenses
- Businesses with recurring billing needs
- Service businesses
How it works
1. A merchant creates a payment request through the API.
2. The customer completes the payment flow.
3. The system authorizes or captures the payment.
4. Webhooks notify the business when key events occur.
5. The business updates order status, billing records, or fulfillment logic.
API Payment Gateway — Disclaimer
ParlyPay’s API Payment Gateway provides access to payment processing infrastructure through integration with third-party payment processors and financial institutions. ParlyPay does not directly process payments, hold customer funds, or act as a licensed payment processor.
Payment acceptance, authorization, settlement, and refunds are subject to the rules, policies, and technical capabilities of the underlying payment providers. Transaction outcomes may vary based on factors such as customer payment method, issuing bank decisions, fraud screening, and compliance checks.
Settlement timelines are not guaranteed and may depend on banking systems, payment networks, and jurisdiction-specific requirements. Businesses are responsible for handling payment failures, refunds, chargebacks, and customer communications in accordance with applicable laws and platform guidelines.
API performance, uptime, and integration outcomes may be affected by third-party service availability. Developers are responsible for implementing proper error handling, webhook processing, and reconciliation workflows.