> ## 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.

# Payment Methods

> Choose your payment integration method with detailed examples and implementation guides

# Overview

Explore different payment integration options with comprehensive examples and step-by-step implementation guides.

## Credit Card Payments

<Card title="Credit Card Payment" icon="credit-card" href="/h2h/examples/credit-card-payment">
  Complete credit card payment with 3D Secure authentication, browser fingerprinting, and PCI compliance features.

  **Features:**

  * 3D Secure authentication
  * Browser info collection
  * Multiple card types (Visa, Mastercard, Amex)
  * CVV verification
</Card>

## Alternative Payments

<Card title="Alternative Payment Methods" icon="building-bank" href="/h2h/examples/alternative-payment">
  Simplified payment requests for bank transfers, digital wallets, and other non-card payment methods.

  **Features:**

  * No card details required
  * Simplified customer data
  * Bank transfers and ACH
  * Buy now, pay later options
</Card>

## Regional Payment Methods

<Card title="UPI Payments (India)" icon="mobile" href="/h2h/examples/upi-payment">
  Unified Payments Interface (UPI) integration for instant payments in the Indian market with real-time processing.

  **Features:**

  * Instant real-time transfers
  * UPI ID validation
  * Mobile-optimized flow
  * 24/7 availability
</Card>

## Digital Wallets

<CardGroup cols={2}>
  <Card title="Google Pay Integration" icon="google" href="/h2h/examples/google-pay">
    Secure Google Pay integration with token-based authentication and seamless mobile checkout experience.

    **Features:**

    * Token-based security
    * Mobile-first design
    * Instant checkout
    * Biometric authentication
  </Card>

  <Card title="Apple Pay Integration" icon="apple" href="/h2h/examples/apple-pay">
    Native Apple Pay integration with Touch ID/Face ID authentication and secure element protection.

    **Features:**

    * Touch ID/Face ID support
    * Secure element encryption
    * Safari integration
    * Device-specific tokens
  </Card>
</CardGroup>

## Advanced Integration

<CardGroup cols={2}>
  <Card title="Wallet Payment (Combined)" icon="wallet" href="/h2h/examples/wallet-payment">
    Advanced wallet payment combining card details with wallet authentication for enhanced security.

    **Features:**

    * Card + wallet authentication
    * Enhanced security
    * Fraud prevention
    * Multi-factor verification
  </Card>

  <Card title="SFTP Batch Processing" icon="server" href="/h2h/sftp-batch-payments">
    High-volume batch payment processing using SFTP file uploads for enterprise-scale transactions.

    **Features:**

    * Bulk payment processing
    * CSV file format
    * Automated workflows
    * Enterprise scalability
  </Card>
</CardGroup>

## Payment Monitoring

<CardGroup cols={2}>
  <Card title="Payment Status Check" icon="magnifying-glass" href="/h2h/payment-status-check">
    Real-time payment status monitoring with comprehensive transaction tracking and reporting.

    **Features:**

    * Real-time status updates
    * Transaction history
    * Status polling
    * Detailed reporting
  </Card>

  <Card title="Webhook Notifications" icon="bell" href="/h2h/payment-notifications">
    Automated payment notifications with secure webhook verification and real-time updates.

    **Features:**

    * Instant notifications
    * HMAC signature verification
    * Retry mechanisms
    * Event filtering
  </Card>
</CardGroup>

## Implementation Guides

<CardGroup cols={3}>
  <Card title="H2H API Overview" icon="code" href="/h2h/h2h-overview">
    Complete Host-to-Host API integration guide with authentication, endpoints, and best practices.
  </Card>

  <Card title="Error Handling" icon="exclamation-triangle" href="/h2h/error-codes">
    Comprehensive error code reference with troubleshooting guides and resolution strategies.
  </Card>

  <Card title="Security Guide" icon="shield-check" href="/h2h/security">
    Security best practices, PCI compliance guidelines, and fraud prevention strategies.
  </Card>
</CardGroup>

## Getting Started

1. **Choose Payment Method**: Select the payment methods that best fit your business needs
2. **Review Examples**: Study the detailed implementation examples for your chosen methods
3. **Test Integration**: Use the provided test data to implement and test your integration
4. **Go Live**: Deploy with confidence using our comprehensive guides and best practices

## Need Help?

* **API Reference**: Complete endpoint documentation with OpenAPI specification
* **Test Environment**: Sandbox environment for safe testing and development
* **Support**: Technical support and integration assistance available
* **Features**: Direct server integration, full merchant control
* **Security**: Enhanced PCI requirements

### H2H Digital Wallets

* **Apple Pay H2H**: `POST /payments/h2h/48-51,56-59`
* **Google Pay H2H**: `POST /payments/h2h/44-47,52-55`
* **Features**: Server-to-server token processing

### H2H Alternative Methods

* **UPI H2H**: `POST /payments/h2h/30-31`
* **Alternative Methods**: `POST /payments/h2h/27,43`

## Payment Status & Monitoring

### Status Checking

* **Credit Card Status**: `GET /payments/creditCard/status/{paymentId}`
* **3DS Status**: `GET /payments/threeds/status/{transaction3dsId}`
* **3DS Redirect**: `GET /payments/threeds/redirect/{transactionId}`

### Transaction Management

* **Transaction Details**: `GET /transactions/{id}`
* **H2H Refunds**: `GET /payments/h2h/refund/{transactionId}`

## Integration Considerations

### Security Requirements

* **PCI DSS Compliance**: Required for direct card data handling
* **3D Secure**: Recommended for enhanced security
* **Tokenization**: Use for recurring payments

### Regional Compliance

* **Europe**: Strong Customer Authentication (SCA) compliance
* **India**: RBI guidelines for UPI transactions
* **Global**: Anti-money laundering (AML) requirements

### Error Handling

* **Common Errors**: Invalid card details, insufficient funds, expired cards
* **Retry Logic**: Implement appropriate retry mechanisms
* **Fallback Options**: Configure alternative payment methods

## Best Practices

### Payment Method Selection

1. **Analyze Customer Base**: Choose methods popular in your target markets
2. **Conversion Optimization**: Offer multiple options to reduce cart abandonment
3. **Mobile Optimization**: Prioritize mobile-friendly payment methods

### Implementation Tips

1. **Progressive Enhancement**: Start with basic card processing, add advanced methods
2. **Testing Strategy**: Thoroughly test all payment flows in sandbox
3. **Monitoring**: Implement comprehensive logging and monitoring

### Performance Optimization

1. **Tokenization**: Use tokens for returning customers
2. **Caching**: Cache payment method configurations
3. **Async Processing**: Handle callbacks asynchronously

## Next Steps

<Card title="Payment Request API" icon="credit-card" href="/ipg/payment-requests/payment-request">
  Learn how to create and manage payment requests
</Card>

<Card title="H2H Integration" icon="server-stack" href="/h2h/h2h-overview">
  Explore direct server-to-server integration
</Card>

<Card title="Callbacks & Webhooks" icon="webhook" href="/h2h/callbacks">
  Handle payment status notifications
</Card>