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Payment Methods

Azotte supports a wide range of payment methods to accommodate global customers and various use cases.

Supported Payment Methods​

Credit & Debit Cards​

  • Visa: Widely accepted worldwide
  • Mastercard: Global coverage with local processing
  • American Express: Premium card support
  • Discover: US market coverage
  • Diners Club: International business cards
  • JCB: Asian market coverage
  • UnionPay: Chinese market coverage

Digital Wallets​

  • PayPal: Global digital wallet integration
  • Apple Pay: iOS and web support
  • Google Pay: Android and web integration
  • Amazon Pay: Seamless Amazon account integration
  • Microsoft Pay: Windows ecosystem integration

Bank Transfers​

  • ACH: US bank account transfers
  • SEPA: European bank transfers
  • Open Banking: UK and EU instant bank payments
  • FedNow: US real-time payments
  • Wire Transfer: International bank transfers

Buy Now, Pay Later (BNPL)​

  • Klarna: Flexible payment plans
  • Afterpay: Installment payments
  • Affirm: Financing options
  • Sezzle: Split payment solutions

Cryptocurrency​

  • Bitcoin (BTC): Primary cryptocurrency support
  • Ethereum (ETH): Smart contract payments
  • Litecoin (LTC): Fast transaction processing
  • Stablecoins: USDC, USDT, DAI support

Regional Payment Methods​

  • Alipay: Chinese market
  • WeChat Pay: Chinese social payments
  • iDEAL: Netherlands bank payments
  • Sofort: German bank transfers
  • Giropay: German online banking
  • Bancontact: Belgian payments
  • EPS: Austrian bank transfers
  • Przelewy24: Polish online payments

Payment Method Configuration​

Adding Payment Methods​

const paymentConfig = {
  methods: {
    cards: {
      enabled: true,
      providers: ['stripe', 'adyen', 'braintree']
    },
    wallets: {
      enabled: true,
      providers: ['paypal', 'applepay', 'googlepay']
    },
    banks: {
      enabled: true,
      regions: ['US', 'EU', 'UK']
    }
  }
};

Regional Restrictions​

  • Configure payment methods by geographic region
  • Comply with local regulations and requirements
  • Support regional currencies and tax requirements

Payment Method Fees​

  • Transparent fee structure for each method
  • Volume-based pricing tiers
  • Real-time fee calculation

Integration Examples​

Card Payments​

const cardPayment = {
  method: 'card',
  details: {
    number: '4111111111111111',
    expiry: '12/25',
    cvc: '123',
    name: 'John Doe'
  }
};

Digital Wallet​

const walletPayment = {
  method: 'paypal',
  details: {
    email: 'customer@example.com',
    return_url: 'https://mysite.com/success'
  }
};

Bank Transfer​

const bankPayment = {
  method: 'bank_transfer',
  details: {
    account_number: '12345678',
    routing_number: '987654321',
    account_type: 'checking'
  }
};

Security Considerations​

PCI Compliance​

  • Full PCI DSS Level 1 compliance
  • Tokenization of sensitive card data
  • Encrypted transmission and storage

3D Secure​

  • 3DS2 authentication support
  • Reduced fraud and chargebacks
  • Improved conversion rates

Fraud Prevention​

  • Real-time fraud scoring
  • Machine learning risk analysis
  • Customizable fraud rules

Testing​

Test Card Numbers​

Visa: 4111111111111111
Mastercard: 5555555555554444
American Express: 378282246310005

Test Scenarios​

  • Successful payments
  • Declined transactions
  • 3D Secure authentication
  • Partial payments

Next Steps​