> ## Documentation Index > Fetch the complete documentation index at: https://docs.caibo.digital/llms.txt > Use this file to discover all available pages before exploring further. # Glossary > Merchant-friendly definitions and terminology for Caibo H2H integration # Glossary Essential terms and definitions for Caibo Host-to-Host payment integration. ## A ### API (Application Programming Interface) A set of protocols and tools for building software applications. Caibo's API allows your system to communicate with our payment processing platform. ### API Key A unique identifier used to authenticate requests to the Caibo API. Keep this secret and secure. ### Authorization The process of verifying that a payment method has sufficient funds and is valid for the transaction amount. ### Alternative Payment Methods Payment options beyond traditional credit/debit cards, such as bank transfers, digital wallets, and buy-now-pay-later services. ## B ### Base64 Encoding A method of encoding binary data into text format, commonly used for API authentication and data transmission. ### Browser Info Information about the customer's browser and device, required for 3D Secure authentication and fraud prevention. ## C ### Capture The process of actually charging a payment method after authorization. Some payments are authorized first, then captured later. ### Card Verification Value (CVV) The 3 or 4-digit security code on credit/debit cards used to verify the cardholder has physical possession of the card. ### Chargeback A reversal of a payment initiated by the cardholder's bank, typically due to fraud or dispute. ### Currency Code Three-letter ISO 4217 code representing a currency (e.g., USD, EUR, GBP, INR). ## D ### Decline When a payment is rejected by the issuing bank or payment processor due to various reasons (insufficient funds, invalid card, etc.). ### 3D Secure (3DS) An authentication protocol that adds an extra layer of security for online credit card transactions. ## E ### Endpoint A specific URL where API requests are sent to perform different operations (e.g., create payment, check status). ### Environment Different deployment stages: * **Sandbox**: Testing environment with simulated responses * **Production**: Live environment processing real payments ## F ### Fraud Detection Automated systems that analyze transactions for suspicious patterns and potential fraudulent activity. ## G ### Gateway A service that processes payment transactions between merchants and payment networks. ### Google Pay Google's digital wallet platform that allows customers to make payments using stored payment methods. ## H ### H2H (Host-to-Host) Server-to-server payment processing where your backend communicates directly with Caibo's API without customer interaction. ### HMAC (Hash-based Message Authentication Code) A cryptographic method used to verify webhook authenticity and integrity. ### HTTP Status Code Numeric codes that indicate the result of an HTTP request (200 = success, 400 = bad request, 401 = unauthorized, etc.). ## I ### Idempotency The property that allows the same operation to be performed multiple times without changing the result beyond the initial application. ### Issuer The bank or financial institution that issued the customer's payment method (credit card, debit card, etc.). ## J ### JSON (JavaScript Object Notation) A lightweight data format used for API requests and responses. ### JWT (JSON Web Token) A secure way to transmit information between parties, sometimes used in payment tokenization. ## L ### Luhn Algorithm A checksum formula used to validate credit card numbers and detect simple errors in typing. ## M ### Merchant A business that accepts payments through Caibo's platform. ### Merchant ID A unique identifier assigned to your business account with Caibo. ## O ### OpenAPI A specification format for describing REST APIs, used to generate interactive documentation. ## P ### Payment Method The way a customer pays for goods or services (credit card, UPI, Google Pay, bank transfer, etc.). ### Payment Request An API call to initiate a payment transaction with customer and transaction details. ### Payment Request ID A unique identifier assigned to each payment request for tracking and reference. ### PCI DSS (Payment Card Industry Data Security Standard) Security standards for organizations that handle credit card information. ### Processor A company that handles the technical aspects of processing payment transactions. ## Q ### QR Code A two-dimensional barcode that can contain payment information for mobile payment apps. ## R ### Rate Limiting Restrictions on the number of API requests you can make within a specific time period. ### Redirect URL URLs where customers are sent after completing or canceling a payment: * **Success URL**: Where customers go after successful payment * **Failure URL**: Where customers go after failed payment ### Refund Returning money to a customer's original payment method. ### Request ID A unique identifier for each API request, useful for debugging and support. ## S ### Sandbox A testing environment that simulates the production API without processing real payments. ### Settlement The process of transferring funds from payment transactions to your merchant account. ### Signature Verification The process of validating webhook authenticity using cryptographic signatures. ### Strong Customer Authentication (SCA) European regulation requiring additional authentication for online payments. ## T ### Tokenization Replacing sensitive payment data with non-sensitive tokens for secure storage and processing. ### Transaction ID A unique identifier assigned to each completed payment transaction. ### 3D Secure See "3D Secure (3DS)" above. ## U ### UPI (Unified Payments Interface) India's instant payment system that allows money transfer between bank accounts through mobile apps. ### UPI ID A unique identifier used in UPI transactions, typically in the format username\@bankcode. ## V ### Validation The process of checking that data meets required formats and constraints before processing. ### Void Canceling a payment transaction before it's settled, typically within the same business day. ## W ### Webhook An HTTP callback that Caibo sends to your server to notify you of payment status changes in real-time. ### Webhook Secret A secret key used to generate HMAC signatures for webhook verification. ### Webhook URL The endpoint on your server where Caibo sends webhook notifications. ## Common Abbreviations | Abbreviation | Full Term | | ------------ | -------------------------------------------- | | API | Application Programming Interface | | CVV | Card Verification Value | | H2H | Host-to-Host | | HMAC | Hash-based Message Authentication Code | | HTTP | Hypertext Transfer Protocol | | JSON | JavaScript Object Notation | | PCI DSS | Payment Card Industry Data Security Standard | | REST | Representational State Transfer | | SCA | Strong Customer Authentication | | SDK | Software Development Kit | | TLS | Transport Layer Security | | UPI | Unified Payments Interface | | URL | Uniform Resource Locator | ## Payment Status Values | Status | Description | | ------------ | --------------------------------------------- | | `pending` | Payment initiated but not yet completed | | `processing` | Payment is being processed | | `completed` | Payment successfully completed | | `failed` | Payment failed or was declined | | `cancelled` | Payment was cancelled by customer or merchant | | `refunded` | Payment was refunded to customer | ## Currency Codes (Common) | Code | Currency | | ---- | ----------------- | | USD | US Dollar | | EUR | Euro | | GBP | British Pound | | INR | Indian Rupee | | CAD | Canadian Dollar | | AUD | Australian Dollar | | JPY | Japanese Yen | | SGD | Singapore Dollar | ## HTTP Status Codes (Common) | Code | Meaning | Description | | ---- | --------------------- | -------------------------- | | 200 | OK | Request successful | | 400 | Bad Request | Invalid request parameters | | 401 | Unauthorized | Invalid API key | | 403 | Forbidden | Insufficient permissions | | 404 | Not Found | Resource not found | | 429 | Too Many Requests | Rate limit exceeded | | 500 | Internal Server Error | Server error | ## 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