Payins

Overview

Payin transactions represent the process of collecting funds from your customers and depositing them into your merchant account. These transactions form the foundation of your revenue collection and are essential for completing the sales cycle. Our payment processing platform supports multiple payin methods to accommodate diverse customer preferences and regional payment behaviors.

What Are Payin Transactions?

Payin transactions are payment operations where funds move from your customer to your business. These transactions typically occur when a customer:

Makes a purchase on your website or application
Pays an invoice or bill
Adds funds to their account balance
Sets up a subscription or recurring payment

Payin Methods

Our platform supports the following payin payment method types:

Card Payments

Accept credit and debit cards from major networks including Visa, Mastercard, American Express, and regional card schemes.

Bank Transfers

Collect payments directly from customer bank accounts through ACH, SEPA, Wire Transfers, and real-time banking networks.

Cash Payments

Enable customers to pay with physical currency at retail locations using generated vouchers or reference codes.

Redirect customers to our secure hosted payment page that handles the complete payment flow.

Transaction Statuses

Payin transactions can have the following statuses:

Status Name	Meaning
FAILED	The transaction was not generated due to an invalid value or the payment could not be processed.
MISSING INFO	One or more required fields are missing from the request.
PENDING	The transaction was successfully created and is pending payment.
EXPIRED	The transaction was not paid on time by the user. This status can change to APPROVED if the payment processing time took longer than the expiration delay.
REJECTED	The transaction was rejected by the payment provider. The rejection might be due to client personal information, bank details or the lack of bank funds.
APPROVED	The transaction was fully processed successfully.
REVERSED	The user's bank confirmed the payment but the funds were not transferred. This could be due to processing errors in the local banking system. Whenever a payment settlement is cancelled or delayed, merchants will be notified by email to minimise the impact of fraud attempts.
CANCELLED	The transaction was canceled due to certain restrictions.

Security and Compliance

All payin transactions are protected by:

PCI DSS compliance for card data
End-to-end encryption
Fraud detection systems
Identity verification where required
Regulatory compliance by region

Analytics and Reporting

Our platform provides comprehensive visibility into your payin transactions:

Real-time transaction dashboard
Detailed transaction reports
Settlement reconciliation tools
Performance metrics by payment method
Conversion analytics

Webhooks and Notifications

Stay informed about payin transaction status changes through:

Webhook notifications for transaction events
Email alerts for important transaction activities
API polling for status updates

Advantages of using PayRetailers:

Multiple Payment Methods: We increase conversion by providing options relevant to your customer base
Implement Smart Routing: We automatically route transactions through the most cost-effective processors
Use 3D Secure Selectively: We balance security and conversion based on transaction risk
Payment References: We maintain a secure record of transaction identifiers for customer service
Retry Logic: We automatically attempt to recover failed transactions when appropriate

For detailed implementation guides, API references, and regional considerations, please refer to the specific sections of our documentation.