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Frequently Asked Questions

Common questions and answers for Caibo Host-to-Host payment integration.

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Getting Started

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Q: How do I get API keys for testing?

A: Sign up for a Caibo merchant account and access your dashboard to retrieve sandbox API keys. Production keys are available after account verification.

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Q: What’s the difference between sandbox and production?

A:
  • Sandbox: Testing environment with simulated responses, test cards, and fake transactions
  • Production: Live environment processing real payments with actual money

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Q: How long does account verification take?

A: Typically 1-3 business days. You can start testing with sandbox immediately while verification is in progress.

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Integration

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Q: Which programming languages are supported?

A: Caibo H2H is a REST API that works with any language that can make HTTP requests. We provide examples in:
  • JavaScript/Node.js
  • Python
  • PHP
  • cURL

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Q: Do I need to store card details?

A: No, Caibo H2H is designed for server-to-server payments without storing sensitive card data on your servers. Card details are handled securely by our payment processors.

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Q: Can I use H2H for mobile apps?

A: H2H is designed for server-to-server communication. For mobile apps, use our mobile SDKs or implement H2H on your backend server.

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Payment Methods

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Q: Which payment methods are supported?

A:
  • Credit/Debit Cards (Visa, Mastercard, Amex, Discover)
  • UPI (India)
  • Google Pay
  • Apple Pay
  • Alternative payments (bank transfers, BNPL)

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Q: How do I add new payment methods?

A: Contact our support team to enable additional payment methods for your account. Some methods may require additional verification.

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Q: Are there country restrictions?

A: Payment method availability varies by country. Check our payment methods guide for specific regional support.

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Webhooks

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Q: Are webhooks required?

A: While not mandatory, webhooks are strongly recommended for real-time payment status updates and better user experience.

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Q: What happens if my webhook endpoint is down?

A: We retry webhook deliveries with exponential backoff for up to 24 hours. You can also poll the payment status endpoint.

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Q: How do I verify webhook authenticity?

A: Use HMAC SHA512 signature verification with your webhook secret: 
const crypto = require('crypto');

function verifyWebhook(payload, signature, secret) {
  const expectedSignature = crypto
    .createHmac('sha512', secret)
    .update(payload)
    .digest('hex');
  return signature === expectedSignature;
}

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Security

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Q: How secure is the H2H API?

A:
  • PCI DSS Level 1 compliant
  • TLS 1.2+ encryption
  • API key authentication
  • Webhook signature verification
  • Fraud detection and prevention

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Q: Should I validate payments on my server?

A: Yes, always verify payment status using our API or webhooks. Never rely solely on client-side confirmation.

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Q: How do I handle sensitive data?

A:
  • Never log API keys or webhook secrets
  • Use environment variables for credentials
  • Implement proper access controls
  • Follow PCI DSS guidelines

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Testing

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Q: What test cards should I use?

A: Use our provided test cards:
  • Success: 4111111111111111
  • Declined: 4000000000000002
  • 3DS Required: 4000000000003220
See our Testing Guide for complete test data.

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Q: How do I test webhooks locally?

A: Use ngrok to expose your local server: 
ngrok http 3000
# Use the HTTPS URL as your webhook endpoint

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Q: Can I test 3D Secure flows?

A: Yes, use specific test cards that trigger 3DS authentication in sandbox mode.

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Errors & Troubleshooting

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Q: Why am I getting 401 Unauthorized?

A: Check that:
  • API key is correct
  • X-API-Key header is included
  • Using the right environment (sandbox/production)

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Q: Payment shows as pending but never completes

A:
  • Check webhook delivery
  • Verify webhook signature handling
  • Poll payment status endpoint
  • Review error logs

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Q: How do I handle rate limits?

A: Implement exponential backoff and respect the Retry-After header: 
async function retryWithBackoff(fn, maxRetries = 3) {
  for (let i = 0; i < maxRetries; i++) {
    try {
      return await fn();
    } catch (error) {
      if (error.status === 429 && i < maxRetries - 1) {
        const delay = Math.pow(2, i) * 1000;
        await new Promise(resolve => setTimeout(resolve, delay));
        continue;
      }
      throw error;
    }
  }
}

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Payments & Transactions

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Q: What’s the maximum transaction amount?

A: Limits vary by payment method and region:
  • Credit Cards: Typically $10,000 USD
  • UPI: ₹1,00,000 INR per transaction
  • Contact support for higher limits

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Q: How long do payments take to process?

A:
  • Credit Cards: Instant (few seconds)
  • UPI: Instant
  • Bank transfers: 1-3 business days
  • Alternative payments: Varies by method

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Q: Can I refund payments?

A: Yes, use the refund endpoint or contact support. Refund availability depends on the payment method and processor.

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Q: How do I handle partial payments?

A: H2H processes full amounts only. For partial payments, create multiple payment requests or implement split payments in your application logic.

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Business & Billing

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Q: What are the transaction fees?

A: Fees vary by payment method, transaction volume, and region. Contact our sales team for detailed pricing.

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Q: When do I get paid?

A: Settlement schedules depend on your merchant agreement, typically:
  • Daily settlements for established merchants
  • Weekly settlements for new merchants

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Q: Can I use multiple currencies?

A: Yes, we support multiple currencies. Available currencies depend on your account configuration and payment methods.

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Development

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Q: Is there a Postman collection?

A: Yes, we provide a Postman collection with pre-configured requests and environments. Contact support for access.

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Q: How do I handle timeouts?

A: Set appropriate timeouts and implement retry logic: 
const axios = require('axios');

const client = axios.create({
  timeout: 30000, // 30 seconds
  retry: 3,
  retryDelay: 1000
});

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Q: Can I customize the payment flow?

A: H2H provides server-to-server payment processing. For custom UI flows, combine H2H with our frontend SDKs or build your own interface.

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Q: How do I migrate from another payment provider?

A:
  1. Set up Caibo account and test integration
  2. Run parallel processing during transition
  3. Gradually migrate traffic
  4. Contact our migration team for assistance

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Support

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Q: How do I contact support?

A:

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Q: What information should I include in support requests?

A:
  • Error codes and messages
  • Request IDs
  • Timestamps
  • Steps to reproduce
  • Code samples (remove sensitive data)

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Q: Do you offer implementation support?

A: Yes, we provide technical support during integration. Premium support packages are available for complex implementations.

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Compliance

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Q: Are you PCI compliant?

A: Yes, Caibo is PCI DSS Level 1 compliant. Your H2H integration doesn’t handle card data directly, reducing your PCI scope.

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Q: What about GDPR compliance?

A: We’re GDPR compliant and provide data processing agreements. Ensure your implementation follows GDPR requirements for customer data.

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Q: Do you support Strong Customer Authentication (SCA)?

A: Yes, we support 3D Secure 2.0 for SCA compliance in European markets.

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Still Have Questions?

Contact Support

Get help from our technical team

Error Guide

Troubleshoot common issues

Testing Guide

Test your integration

API Reference

Complete API documentation