Frequently Asked Questions (FAQ)

Quick answers to common questions about Paysera Checkout.

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Use the tabs below to find answers by category. Click any question to expand the answer.

🔰 General

General Questions

What is Paysera Checkout?

Paysera Checkout is a payment gateway solution that allows merchants to accept online payments through various payment methods including bank transfers, cards, and e-wallets.

Key Features:

• Multiple payment methods
• Secure payment processing
• Callback notifications
• Test mode
• Multi-currency support

Do I need a Paysera account to use Paysera Checkout?

Yes, you need:

1. A Paysera account
2. A project created in your Paysera account
3. Project ID and Project Password for authentication

📖 How to obtain credentials →

Is there a test environment?

Yes! All projects have a Test Mode that allows you to test integration without real money transfers.

In Test Mode:

• ✅ You can make test payments
• ✅ Test all payment methods
• ✅ Test callbacks and notifications
• ❌ No real money is transferred
• ❌ Payments are not processed by banks

What currencies are supported?

Paysera supports multiple currencies including:

• EUR (Euro)
• USD (US Dollar)
• GBP (British Pound)
• PLN (Polish Zloty)
• RON (Romanian Leu)
• And many others

Note: Available currencies depend on:

• Your Paysera account settings
• Customer's location
• Payment method chosen

Can I accept payments from any country?

Yes, Paysera accepts international payments!

Coverage:

• 🌍 Worldwide payment acceptance
• 🇪🇺 Strong coverage in Europe
• 💳 International card payments
• 🏦 Local bank transfers in supported countries

Note: Some payment methods are country-specific. Paysera automatically displays available methods based on customer's location.

🔧 Integration

Integration Questions

What integration methods are available?

Three main methods:

1. Ready-made Plugins

   • WordPress, PrestaShop, Magento, OpenCart, Shopify, etc.
   • No coding required
   • Quick setup (10-30 minutes)
   • 📖 View all plugins →

2. PHP Library

   • For PHP applications
   • Simplifies integration
   • Handles signing automatically
   • 📖 PHP Library guide →

3. Custom Integration

   • Any programming language
   • Full control
   • 📖 Custom integration guide →

How long does integration take?

Typical timeline:

Method	Time Required
Plugin installation	10-30 minutes
PHP Library	2-4 hours
Custom integration	1-3 days

Actual time depends on your technical expertise and system complexity.

Do I need HTTPS/SSL certificate?

Yes, HTTPS is required!

Reasons:

• Security for payment data
• Required for callback URL
• Industry standard (PCI DSS)
• Browser requirements

Most hosting providers offer free SSL certificates (Let's Encrypt).

💻 Technical

Technical Questions

What is a callback URL and why is it needed?

Callback URL is a URL on your server where Paysera sends payment status notifications.

Why it's needed:

• To know when payment is completed
• To update order status automatically
• To handle payment confirmations
• To prevent fraud (user cannot fake payment)

Requirements:

• Must be publicly accessible (not localhost)
• Must use HTTPS
• Must respond with "OK" message
• Should process notification quickly

📖 Processing callbacks guide →

How do I sign requests?

Requests are signed using MD5 hash with your Project Password.

Signing process:

1. Encode parameters to Base64
2. Concatenate with Project Password
3. Calculate MD5 hash

Example (PHP):

$data = base64_encode($parameters);
$sign = md5($data . $projectPassword);

Recommendation: Use our PHP library or plugins - they handle signing automatically!

📖 Custom integration guide →

What payment methods are available?

Available payment methods depend on:

• Customer's country
• Payment currency
• Your project settings

You can find the list of all available payment methods here.

You can retrieve available methods to you by following this guide or let Paysera display them automatically.

Can I customize the payment page?

Limited customization available:

You can:

• ✅ Set your logo
• ✅ Choose payment methods to display
• ✅ Set language
• ✅ Customize return URLs

You cannot:

• ❌ Fully rebrand the payment page
• ❌ Change layout/design
• ❌ Host payment page yourself

What are the rate limits?

Standard rate limits:

• No strict limits for normal operations
• Automatic throttling for excessive requests

Best practices:

• Cache payment method lists
• Don't poll for status - use callbacks
• Implement retry logic with exponential backoff
• Contact support if you need higher limits

Can I process recurring/subscription payments?

Periodic payments are available for SEB and Swedbank, refer to the documentation here.

⚠️ Troubleshooting

Troubleshooting

Payment page shows "Invalid signature" error

Possible causes:

1. Wrong Project Password

   • ✓ Check Project Password in settings
   • ✓ Ensure no extra spaces

2. Incorrect encoding

   • ✓ Use Base64 encoding
   • ✓ Check character encoding (UTF-8)

3. Wrong signing order

   • ✓ First Base64, then concatenate, then MD5
   • ✓ Don't modify encoded data

Solution: Use our PHP library or verify signing code carefully.

Order status not updating after payment

Common causes:

1. Callback not processed

   • Check if callback is received (server logs)
   • Verify callback handler logic

2. Wrong status mapping

   • Check status field in callback
   • Verify status codes (1 = success)

3. Database issues

   • Check if order update query works
   • Verify database connection

4. Plugin configuration

   • Check status mapping in plugin settings
   • Ensure plugin is active

Debug: Add logging to callback handler to see what's happening.

Test payments not working

Verify:

1. Test Mode enabled

   • ✓ Check project settings
   • ✓ Ensure test mode is ON

2. Test credentials

   • ✓ Use test bank credentials
   • ✓ Don't use real card numbers

3. Project status

   • ✓ Project must be active
   • ✓ Check for error messages

Note: Test mode uses fake payment gateway - payments won't reach real banks.

💰 Payments & Security

Fees & Payments

What are the transaction fees?

Transaction fees depend on:

• Payment method used
• Transaction amount
• Your contract with Paysera
• Customer's country

Contact Paysera sales for specific pricing:

• 📧 Email: support@paysera.com
• 🌐 Paysera Checkout Fees

How long does it take to receive money?

Settlement times:

Payment Method	Time to Account
Bank transfer	Instant - 24 hours
Payment card	1-3 business days
E-wallet	Instant

Factors affecting timing:

• Payment method
• Bank processing times
• Weekends/holidays
• First-time verification

Can I refund payments?

Yes, refunds are supported.

How to refund:

1. Log in to Paysera account
2. Go to project transactions
3. Find the transaction
4. Click "Refund"
5. Confirm refund amount

Refund options:

• Full refund
• Partial refund
• Automatic or manual

Note: Refunds can take 3-10 business days to reach customer.

Security

Is Paysera Checkout secure?

Yes! Security measures include:

• 🔒 HTTPS encryption
• ✅ Request signing (MD5)
• 🏦 PCI DSS compliant
• 🔐 3D Secure for cards
• 📝 Transaction logging
• 🛡️ Fraud detection

Your responsibility:

• Keep Project Password secret
• Use HTTPS on your site
• Validate callback signatures
• Follow security best practices

Where should I store Project Password?

Security best practices:

DO:

• ✅ Store in environment variables
• ✅ Store in secure config files (not in web root)
• ✅ Use encryption at rest
• ✅ Limit access to authorized personnel

DON'T:

• ❌ Hardcode in source code
• ❌ Commit to Git/version control
• ❌ Store in database without encryption
• ❌ Send via email or chat

💬 Support

Support

Need help with complex integrations?

Contact: tech_support@paysera.com

Still have questions?

Can't find an answer to your question?

• 📧 Contact support: tech_support@paysera.com
• 📖 Browse documentation: Checkout