Best API for Payments

 Looking for a customizable payment solution that can grow with your business? It's time to switch to a payment API. Learn about the best option in this article.

In your time in business, you’ve likely experienced some growing pains if you’ve used a premade payment infrastructure. Payment service providers create these pages to serve generic ecommerce needs, so they don’t offer much customization or flexibility.

If you’re looking for a solution that’s tailored to your unique needs, a payment API could be a valuable solution. It can offer the customization your business requires, while still saving you the time of creating a payment infrastructure from the ground up. 

In this article, we’ll cover exactly what you can expect from a payment API, as well as the best option on the market now.


What Is a Payment API?

If you don’t have a tech background, you likely haven’t heard of an API, or application programming interface. However, chances are you’ve used APIs before while shopping online or scrolling on your smartphone. 

APIs essentially allow for communication between technical components based on a set of rules. There are different APIs for different technologies. For example, some APIs allow computers to transmit data back and forth. Likewise, there are APIs designed specifically for payments.

These APIs allow the elements of a payment solution to communicate. In other words, payment APIs ensure that your ecommerce platform, apps, payment processor, and gateway can work together. Through this interface, your business can process credit cards and other payment methods. 

APIs integrate with your existing website or app code, so your developers can customize it to suit your business needs. This allows you to add hosted payment fields to your own environment, giving you complete control of the user experience without having to create your own payment infrastructure. 

How Do Payment APIs Work?

Payment APIs are software tools that interface between the customer’s server and the merchant’s server. Just like how you might interact with a user interface (like a user dashboard on a website), applications or computers interact with APIs.

The best way to understand APIs is to think of them as waiters in a restaurant. The customer (customer server) orders food from the waiter (API). Then the waiter tells the kitchen (merchant server) what the customer wants. After retrieving the food from the kitchen, the waiter delivers it to the customer.

So, when a customer decides to check out on your website, they initiate an API call by hitting the checkout button. That API tells the payment software what action to complete. The API then acts as a middleman between the application and the web server to initiate a transaction.

Payment APIs can help you do more than facilitate transactions. You can also use payment APIs to:

The Benefits of Using's Payment API

With so many payment service providers available, each with its own payment API, it can be hard to decide which is right for your business.’s API stands out thanks to its robust capabilities that create a seamless experience for your business and your customers.

Modular Components for Complete Customization is a REST-based API. According to, roughly 70% of all public APIs use REST (representational state transfer) because it allows you to easily scale via modular components that don’t affect the system as a whole. 

You can break the function of the API down into certain pieces depending on your unique business needs. Pick and choose which resources you want to add to your website or app so you can customize and grow as needed. 

Reliable Performance

As we discussed above, REST-based APIs are the top choice in the public space. Scalability aside, REST also allows for incredibly reliable and fast performance. 

Rather than requesting data time and time again, REST APIs allow people to store frequently used data on their devices. That means your app or website makes fewer calls, which reduces server load and latency. Put simply, this allows your app or website to be more reliable and responsive.

Embedded Security Features’s APIs come with embedded security features. First, they tell our system to tokenize credit card details in transit. In other words, the system replaces sensitive payment information with a randomized token so that they’re never stored on our servers. So, even in the unlikely event that a hacker got in, they couldn’t steal any credit card numbers as they simply aren’t there.

Second, the APIs are also embedded with 3DS2 (3-Dimension Secure 2.0). 3DS2 is a security protocol that sends a customer’s transaction details to their bank. The bank confirms that the customer is legitimate, and the transaction proceeds as normal. If the bank flags the transaction as potentially fraudulent, the customer must go through a security challenge.

This extra step requires the customer to enter a code sent to their phone or to log into their bank’s app with a biometric. It only takes a few extra seconds but ensures that every customer you work with is legitimate.

These are top-tier security features, baked directly into our API. Your developer team can easily include these measures in your website without spending time or effort setting up separate security strategies.

Speedier Transactions’s APIs allow you to save customer payment details for future transactions. This enables an ultrafast checkout experience for your customers, lowering checkout friction and boosting customer loyalty.

It all works because’s API is session-driven. That means it uses temporary unique IDs to authenticate users without forcing them to log in each time they interact with your website. 

Instead, you just pass us the ID that you use to recognize the customer, and our system quickly retrieves their saved payment information. The customer can then use the credit card details that the system has already tokenized. 

What’s more, you can also store customer card information without making a payment via the Setup Session call. Or, make a payment and store card information at once with the Payment Session call.

Automated Sales

If your business operates on a subscription basis, automation is critical. The API includes stored credential flagging (MIT/CIT) as an embedded feature. When a customer signs up for your subscription, the system will automatically begin the transaction each month. That means no more manual processing or tracking down late payments.

More Payment Methods’s API allows you to accept a variety of payment methods, including credit and debit cards, ACH transfers, and digital wallets. That means your customers can pay with popular options like PayPal, Apple Pay, and Google Pay. The more you can cater to customers’ payment preferences, the better your checkout experience.

Offering these payment methods is easy - you can start accepting them with the click of a button on the Pay Dashboard. If you decide they aren’t right for your business, you can stop accepting them just as easily. 

Easy Integration works with various third parties to ensure you can integrate the tools and resources that mean the most to your business. The API has predictable resource-oriented URLs. It can also accept JSON-encoded request bodies and return JSON-encoded responses.

Plus, you can check out the API for yourself in test mode, which won’t affect your live data or interact with any banking networks.

Affordable, Transparent Pricing

Payment APIs can get quite expensive, especially since they offer such flexible solutions for more advanced businesses. offers complete fee transparency - you simply pay a flat-rate, per-transaction fee. What’s more, you only pay for successful transactions. You can track fees on the Pay Dashboard, so there are never any hidden costs or surprise bills.

The Bottom Line

If a prefabricated payment interface is holding your business back, it’s time to make the switch to a payment API. This solution allows you the flexibility and customization you need to improve your customer experience, as well as simplify and speed up transactions. Plus, it allows you to get innovative with your website or app.

With’s API, you get a robust payment solution with advanced features, including modular components, impressive reliability, and top-tier security measures. You can automate payments, integrate with your favorite tools, and add the payment methods your customers demand. 

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Which payment API is the best?’s payment API is the best option on the market today. Its modular components allow you to completely customize your payment solution. Customers get a fast, smooth checkout process with the option to store card details for even quicker transactions. Plus, it provides access to a wide range of payment methods and protects your business with advanced security measures.

What does API mean?

API stands for application programming interface. APIs are pieces of code that help two applications or machines communicate.

What are payment APIs used for?

Payment APIs allow you to facilitate transactions, add payment methods, enable security measures, and track customer payment information

Is there any free payment API?

There are no free payment APIs because payment processors must create, manage, and support the payment systems that these APIs use. While it isn’t possible to receive payments for free, you can choose a payment service provider that has affordable pricing. 

With, you only pay a flat-rate, per-transaction fee. Our pricing is completely transparent - you can even track fees in the Pay Dashboard. Plus, you only pay for successful transactions.

Meet the author
Ginny Dorn
Ginny Dorn is a finance and business copywriter specializing in credit card processing and fintech. She graduated from Western Illinois University with a bachelor's degree in family and consumer sciences.
An Advanced Payment API to Suit Your Needs’s API provides a flexible payment solution with embedded security features, like tokenization and 3DS2. Improve your customer experience, customize your checkout process, speed up transactions, and automate sales with our reliable payment API. 

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