Streamline payments with our API

Use our Payments REST API to easily integrate Payroc’s powerful processing platform with your software. With full support for card and ACH transactions, our API enables fast, secure, and efficient payment flows that deliver exceptional commerce experiences to both your software clients and their customers. Whether you need to handle ecommerce transactions, card-not-present scenarios, in-person payments, or autonomous environments, we’ve got you covered.

• Capture every sale with support for all major credit and debit cards.
• Support ACH transfers for cost-effective bank account transactions.
• Easily process cross-border payments with built-in multi-currency support.
• Plug into pre-certified support for 30+ payment devices from top manufacturers.

Payroc's Payments API includes all the tools you need

Our API is designed to empower ISVs and their merchants with flexible, secure, and scalable payment processing solutions. These core functionalities support a variety of payment scenarios, ensuring seamless transactions no matter the business model or environment.

• Authorization & Capture: Get flexible payment processing with separate authorization and capture steps.
• Refunds & Voids: Manage post-payment scenarios effortlessly, with support for full or partial refunds and voids.
• Payment Tokenization: Enhance security and improve user experience with card-on-file functionality using tokenized payment credentials.
• ACH Debit / PAD: Expand your payment options with ACH debit support, allowing for low-cost bank account transfers.
• Fraud Prevention: Protect software clients and cardholders from fraud with integrated address verification (AVS) and card verification value (CVV) checks.
• Payment Device SDKs: Save time with developer tools for card-present embedded payment acceptance.

More Payroc API features that make for better payments

Card Account Updater

Automatically updates card-on-file details (like expiration dates and replacement card account numbers) to ensure uninterrupted recurring payments and reduce transaction declines.

3DS

3D Secure Authentication enhances security by verifying the customer’s identity.

Google Pay / Apple Pay

Includes support for mobile wallet payments, allowing merchants to accept tap-to-pay via smartphones and smart devices as well as mobile wallet payments online and in-app.

Payment Links for Invoicing

Enables merchants to send payment links via email or text, making it easy for customers to pay invoices.

Level II and III Data Processing

These advanced data processing capabilities reduce interchange fees for B2B transactions by providing enhanced purchase details.

Compliant Surcharging

Allows merchants to pass along transaction fees to customers in full compliance with surcharging regulations.

FSA/HSA

Enables Flexible Spending Account (FSA) and Health Savings Account (HSA) payments, giving merchants access to healthcare-eligible spending.

EBT

Electronic Benefits Transfer capabilities allow merchants to accept government-issued benefits payments, such as SNAP and WIC.

How our Payments API delivers exceptional value

Why partners choose us

Payroc’s Payments API aligns your software platform with a trusted, scalable, and secure payment processing engine.

• Easy Integration: Designed for simplicity, our API lets you quickly and efficiently embed payment functionality without heavy lifting.
• Comprehensive Payment Methods: Support for a wide range of payment options ensures you can meet the diverse needs of your merchants.
• Speed to Market: Payroc’s simplified integration process means faster go-live timelines for your software.
• Future-Ready: Stay ahead of payment trends with our forward-thinking API, designed to scale with future innovations in payments, security, and technology.
• Processor-Agnostic Flexibility: Maintain control over your payment flows and processing options with Payroc’s processor-agnostic platform.

How merchants benefit

Software clients using applications integrated with Payroc’s platform get a payment processing experience that enhances their operations and helps them better serve their customers.

• Secure Transactions: Every transaction processed through a Payroc-integrated PCI compliant platform is protected by advanced security features, ensuring peace of mind for both merchants and customers.
• Enhanced Customer Experience: By supporting multiple payment methods—such as credit cards, debit cards, ACH, mobile payments, and wallets—Payroc’s Payments API lets customers pay how they want to pay.
• Automated Billing and Recurring Payments: Software users can automate subscription billing or set up recurring payments, simplifying payment management.
• Optimized Operational Efficiency: With payments acting as native to their software ecosystem, software clients can streamline payment processes, reduce administrative overhead, and focus on growing their business.