Supported Payment Gateways and Payment Types

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Concepts

• Payment Gateway (Gateway): A payment service provider that processes payments (e.g., Stripe, PayPal, Payssion, Alipay, Alipay+, Changelly, Unitpay, FireKassa, MulenPay, Blockonomics, Wire Transfer)
• Gateway Type (Payment Type Category): The category of payment method - Bank Card (1), Cryptocurrency (2), or Wire Transfer (3)
• Gateway Payment Types: Specific payment methods supported by each gateway (e.g., Visa, Mastercard, Alipay, WeChat Pay)

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Gateway Types

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Supported Payment Gateways

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1. Stripe

• Gateway Name: stripe
• Gateway Type: Bank Card (1)
• Features:
  • Auto-charge support for subscriptions
  • PCI DSS compliant
  • Global coverage
• Use Cases: Global SaaS products, subscription services

💡 Note: This is a partial list. The complete list of supported payment types can be found in the gateway setup interface or via API.

⚠️ Important: Before you can enable and configure payment types in UniBee, you must first enable the corresponding payment methods in your Stripe Dashboard:

1. Log in to Stripe Dashboard
2. Navigate to Settings → Payment methods
3. Enable the payment methods you want to offer to your customers
4. Only payment methods enabled in Stripe will appear and be available for configuration in UniBee

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2. PayPal

• Gateway Name: paypal
• Gateway Type: Bank Card (1)
• Features:
  • Secure account-based payments
  • Supports PayPal account payments and linked cards
  • Supports 200+ countries and regions
• Use Cases: International e-commerce, subscription services

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3. Payssion

• Gateway Name: payssion
• Gateway Type: Bank Card (1)
• Features:
  • Extensive coverage of localized payment methods
  • Supports multiple countries and regions
• Use Cases: Multi-region businesses requiring localized payment options

💡 Note: This is a partial list. The complete list of supported payment types can be found in the gateway setup interface or via API. Payssion supports 100+ payment methods across different countries.

⚠️ Important: To enable Payssion payment types, you need to contact Payssion’s business team:

1. Visit Payssion website and contact their business team
2. Provide your business information (company name, website, expected transaction volume, etc.)
3. Request activation for the specific payment types you need
4. After Payssion enables the payment types for your account, they will become available for configuration in UniBee

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4. Alipay (Universal Version)

• Gateway Name: alipay
• Gateway Type: Bank Card (1)
• Payment Mode: Universal Checkout Mode
• Features:
  • Universal checkout: Users can select their preferred payment method from Alipay’s payment gateway
  • Simple configuration: No need to specify payment method types
  • User-friendly: Customers choose payment methods based on their preferences
  • Popular in China and Asian markets
• Use Cases:
  • Businesses targeting Chinese and Asian markets
  • When you want customers to have flexibility in choosing payment methods
  • Simple integration without managing multiple payment method types

• Customers are redirected to Alipay’s payment gateway
• Alipay displays all available payment methods based on the customer’s account and merchant capabilities
• Customers can choose from various payment options (Alipay balance, linked cards, credit options, etc.)
• You don’t need to specify which payment methods to show - Alipay handles this automatically

⚠️ Important: To use Alipay, you need to:

1. Register an Alipay merchant account: Visit Alipay Global Merchant Services or contact Alipay’s merchant services team
2. Complete merchant verification: Submit required business and company documentation for account verification
3. Configure credentials: Provide Client ID, Alipay Public Key, and Merchant Private Key in UniBee
4. Once your Alipay merchant account is approved, you can start using the gateway

Note: The application process may vary depending on your region and business type. Contact Alipay support for the latest requirements.

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5. Changelly

• Gateway Name: changelly
• Gateway Type: Cryptocurrency (2)
• Features:
  • Cryptocurrency payment processing
  • Real-time exchange rate conversion
  • Supports various cryptocurrencies
• Use Cases: Cryptocurrency-focused businesses

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6. Unitpay

• Gateway Name: unitpay
• Gateway Type: Bank Card (1)
• Features:
  • Payment gateway for Russia and CIS markets
  • Supports various payment methods for the region
• Use Cases: Businesses targeting users in Russia and CIS countries

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7. Wire Transfer

• Gateway Name: wire_transfer
• Gateway Type: Wire Transfer (3)
• Features:
  • Bank wire transfer payments
  • Suitable for large-amount payments
  • Manual confirmation required
  • May require minimum payment amount
• Use Cases: B2B subscriptions, enterprise customers, large transactions

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8. Alipay+ (Enhanced Version)

• Gateway Name: alipay+
• Gateway Type: Alipay+ (6)
• Payment Mode: Predefined Payment Method Mode
• Features:
  • 40+ payment methods: Supports extensive local payment methods across Asia-Pacific
  • Precise control: You specify exactly which payment methods to offer
  • Regional targeting: Perfect for multi-region businesses requiring localized payment experiences
  • Targeted marketing: Show specific payment methods based on customer location or preferences
• Use Cases:
  • Businesses targeting multiple Asia-Pacific countries
  • When you need to control which specific payment methods customers see
  • Regional localization requirements
  • Businesses needing to leverage specific local payment methods (e.g., GCash in Philippines, DANA in Indonesia)

• You must specify which payment methods to enable during gateway configuration
• Customers are directed directly to the specified payment method
• You have full control over the payment experience
• Supports 40+ payment methods across Asia-Pacific regions

• China: Alipay (ALIPAY_CN), JKOPay
• Hong Kong: AlipayHK (ALIPAY_HK)
• Indonesia: DANA, OVO, GoPay, ShopeePay, QRIS, various bank transfers (Maybank, BNI, etc.)
• Japan: PayPay, Konbini (convenience stores), Pay-easy
• Malaysia: Touch’n Go eWallet, Boost, Grabpay
• Philippines: GCash, Maya, Grabpay
• Singapore: Grabpay
• South Korea: Kakao Pay, NAVER Pay, Toss Pay
• Thailand: TrueMoney, LINE Pay, K PLUS
• Vietnam: ZaloPay, MoMo
• Europe: Bancontact (Belgium), EPS (Austria)
• And more: Additional local payment methods across Asia-Pacific

💡 Note: For a complete list of supported payment methods, refer to the gateway configuration interface in UniBee or check the API documentation.

⚠️ Important: To use Alipay+, you need to:

1. Register an Alipay+ merchant account: Visit Alipay Global Merchant Services or contact Alipay’s merchant services team
2. Complete merchant verification: Submit required business and company documentation
3. Apply for specific payment methods: Request activation for the payment methods you want to offer based on your target markets
4. Configure credentials and payment methods:
   • Provide Client ID, Alipay+ Public Key, and Merchant Private Key
   • Select at least one payment method type to enable
5. Once approved and configured, the specified payment methods will be available to your customers

Note: Different payment methods may have different approval requirements depending on your region and business type. Contact Alipay support for detailed information.

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Alipay vs Alipay+: Which Should You Choose?

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Comparison Table

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When to Choose Alipay (Universal Version)

• ✅ Want customers to have flexibility in choosing their preferred payment method
• ✅ Prefer a simple, quick integration without managing payment method types
• ✅ Primarily serve the Chinese market
• ✅ Want a universal checkout experience where Alipay handles payment method selection
• ✅ Don’t need to control which specific payment methods are displayed

• A SaaS platform targeting Chinese users who may have different payment preferences
• You want to provide a simple payment option and let customers choose their preferred Alipay payment method

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When to Choose Alipay+ (Enhanced Version)

• ✅ Need to control which specific payment methods customers see
• ✅ Operate in multiple Asia-Pacific countries and need localized payment experiences
• ✅ Want to offer specific local payment methods (e.g., GCash in Philippines, DANA in Indonesia)
• ✅ Need to provide different payment options for different regions or customer segments
• ✅ Require precise payment method management for marketing or operational purposes

• An e-commerce platform operating in Philippines, Indonesia, and Malaysia, wanting to offer GCash, DANA, and Touch’n Go respectively
• A subscription service targeting specific demographics with preferred payment methods
• A business wanting to optimize conversion by showing the most relevant payment method for each region

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Key Differences Summary

• Simpler configuration
• Customer-driven payment method selection
• Less control but easier to set up
• Best for businesses wanting quick integration with flexibility

• More configuration required
• Merchant-driven payment method selection
• Full control over payment experience
• Best for businesses needing regional localization and precise payment method targeting

💡 Tip: You can configure both Alipay and Alipay+ gateways simultaneously in UniBee if you need different payment experiences for different scenarios or regions.

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9. FireKassa

• Gateway Name: firekassa
• Gateway Type: Bank Card (1)
• Features:
  • Payment gateway services
  • Supports various payment methods
• Use Cases: E-commerce and online businesses

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10. MulenPay

• Gateway Name: mulenpay
• Gateway Type: Bank Card (1)
• Features:
  • Payment processing services
  • Supports various payment methods
• Use Cases: Online payment processing

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11. Blockonomics

• Gateway Name: blockonomics
• Gateway Type: Cryptocurrency (2)
• Features:
  • Bitcoin payment processing
  • Direct Bitcoin payments
  • No intermediaries
• Use Cases: Cryptocurrency-focused businesses, Bitcoin payment acceptance

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Gateway Payment Type Structure

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How to Query Gateway Payment Types

• Stripe (stripe): Supports various card types and payment methods
• Payssion (payssion): Supports numerous localized payment methods across different regions
• Alipay+ (alipay+): Supports 40+ payment methods across Asia-Pacific (requires selecting specific payment methods)

• Alipay (alipay) uses a universal checkout mode and does NOT require payment type selection - Alipay handles payment method display automatically
• Other gateways (including FireKassa, MulenPay, Blockonomics, Changelly, Unitpay, PayPal, Wire Transfer) process payments as a single method without selecting specific payment types

curl --location --request GET "$UniBee_API_Host/merchant/gateway/list" \
  --header "Authorization: Bearer $UNIBEE_API_KEY" \
  --header 'Content-Type: application/json'

{
  "code": 0,
  "data": {
    "gateways": [
      {
        "gatewayId": 25,
        "gatewayName": "stripe",
        "gatewayType": 1,
        "setupGatewayPaymentTypes": [
          {
            "name": "Visa",
            "paymentType": "visa",
            "category": "card",
            "countryName": "Global",
            "autoCharge": true
          },
          {
            "name": "Mastercard",
            "paymentType": "mastercard",
            "category": "card",
            "countryName": "Global",
            "autoCharge": true
          }
          // ... more payment types
        ]
      }
      // ... more gateways
    ]
  }
}

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Configuring Payment Gateways and Payment Types

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Accessing Gateway Configuration

1. Navigate to Configuration → Payment Gateways in the UniBee Admin Portal
2. You’ll see a list of all available payment gateways with their current status:
   • Ready (green badge): Gateway is fully configured and ready to use
   • Not Set (gray badge): Gateway needs to be configured

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Gateway Configuration Features

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1. Gateway List Management

• See all available payment gateways in a list view
• Each gateway shows its logo, name, display name, and description
• Status indicator shows whether the gateway is ready or needs setup

• Reorder gateways by dragging and dropping items in the list
• The order determines how payment options appear to customers
• Changes are saved automatically

• Click “Set up” button for new gateways to configure them
• Click “Edit” button for configured gateways to modify settings
• Gateway logos can be clicked to visit the gateway’s official website (if available)

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2. Essentials Configuration Tab

• Set a custom display name that customers will see
• This name appears in the payment selection interface

• Upload gateway icons/logos (up to 5 icons)
• Supported formats: .png, .jpg, .jpeg, .svg
• Maximum file size: 2MB per icon
• Drag and drop to reorder icons
• Icons are displayed in the customer-facing payment selector

• Configure exchange rates for different currency pairs
• Set conversion rates from base currency to target currency
• Add multiple exchange rate configurations
• Useful when gateway supports different currencies than your base currency

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3. Public/Private Keys Configuration Tab

• Enter your gateway’s public key (also called API key or publishable key)
• Keys are automatically desensitized (masked) after saving for security
• Required for most payment gateways

• Enter your gateway’s private/secret key
• This is sensitive information and will be masked after saving
• Required for payment processing

• Select which specific payment types to enable for this gateway
• Use multi-select dropdown to choose from available payment types
• Each payment type shows:
  • Display name
  • Payment type identifier
  • Supported country/region
• Only selected payment types will be available to customers

• Stripe (stripe): Supports various card types and payment methods
• Payssion (payssion): Supports numerous localized payment methods across different regions
• Alipay+ (alipay+): Supports 40+ payment methods across Asia-Pacific (you must select at least one payment method)

• Alipay (alipay) is a separate gateway that uses a universal checkout mode. It does NOT require payment types selection because Alipay automatically displays available payment methods based on the customer’s account and merchant capabilities. Customers can choose from any available Alipay payment option.

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4. Webhook Keys Configuration Tab

• View the webhook endpoint URL provided by UniBee
• This URL needs to be configured in your gateway’s dashboard
• Copy the URL using the copy button

• Enter the webhook secret/key from your gateway
• Used to verify webhook requests from the gateway
• Some gateways provide integration links for easy setup

• You must configure Public/Private Keys first before setting up webhooks
• Follow the gateway’s documentation link (if provided) to complete webhook setup

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5. Wire Transfer Configuration

• Set the minimum payment amount for wire transfers
• Amount is specified in your selected currency

• Account Holder: Name of the account holder
• BIC (Bank Identifier Code): 8 or 11 characters
• IBAN (International Bank Account Number): Up to 34 characters
• Address: Bank address

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6. Advanced Configuration Options

• Archive gateways that are no longer needed
• Archived gateways won’t appear in customer payment options
• Can be restored later if needed
• Available via API: Payment Gateway Archive API

• Configure gateway availability by country
• Enable or disable gateways for specific countries
• Available via API: Payment Gateway Country Config Edit API

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Configuration Workflow

1. Initial Setup:
   • Click “Set up” on a gateway
   • Start with Essentials tab to configure display name and icons
   • Move to Public/Private Keys tab to enter API credentials
   • Select payment types (if gateway supports multiple types)
   • Configure Webhook Keys (if required by the gateway)
2. Verification:
   • After saving, check if gateway status changes to “Ready”
   • Test payments using sandbox/test mode before going live
3. Ongoing Management:
   • Use “Edit” button to update any configuration
   • Drag and drop to reorder gateways for better customer experience
   • Monitor gateway status and update credentials as needed

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API Configuration

• Payment Gateway Setup API: Create or update gateway configuration
• Get Payment Gateway List API: Retrieve all configured gateways
• Get Payment Gateway Setup List API: Get detailed configuration list
• Edit Payment Gateway Sort API: Update gateway display order
• Payment Gateway Archive API: Archive/unarchive gateways
• Payment Gateway Country Config Edit API: Configure country-specific settings
• Wire Transfer Setup API: Configure wire transfer accounts
• Wire Transfer Edit API: Update wire transfer configuration