Payment Gateway Built for Developers
Accept online payments in 30+ currencies with a single API integration. MAGNETPAY's payment gateway handles multi-provider routing, 3D Secure authentication, and real-time fraud scoring so you can focus on building your product.
Everything You Need in a Payment Gateway
From authorization to settlement, MAGNETPAY covers the full payment lifecycle with developer-friendly APIs and enterprise-grade reliability.
Smart Payment Routing
Automatically route transactions across multiple acquirers based on cost, success rates, and geographic optimization. Maximize approval rates while minimizing fees.
3DS Authentication
Built-in 3D Secure 2.0 support with frictionless authentication. Reduce chargebacks by up to 80% while maintaining a seamless checkout experience.
30+ Currencies
Accept payments in USD, EUR, GBP, INR, and 26 more currencies. Automatic FX conversion at competitive rates with transparent markup controls.
Capture, Void & Refund
Full payment lifecycle management via API. Authorize and capture separately, void pending transactions, or issue partial and full refunds instantly.
Real-Time Webhooks
Receive instant notifications for payment events. HMAC-SHA256 signed payloads, automatic retries with exponential backoff, and a dedicated event log.
Fraud Detection Engine
Machine-learning risk scoring on every transaction. Configure custom rules for velocity checks, geo-blocking, BIN restrictions, and amount thresholds.
How the Payment Gateway Works
Process your first payment in under 15 minutes. Our payment gateway API is designed for fast integration with clear, predictable behavior.
Create a Payment Intent
Send amount, currency, and customer details to our API. We return a client secret for secure front-end confirmation.
Customer Confirms Payment
Use our drop-in checkout or Elements SDK to collect card details. 3DS challenges are handled automatically when required.
Smart Routing & Processing
Our engine selects the optimal acquirer based on your routing rules. The transaction is authorized and captured in milliseconds.
Webhook Confirmation
Receive a signed webhook with the payment result. Update your order system, trigger fulfillment, and reconcile automatically.
Payment Gateway API in Action
Create a payment intent with a single API call. Our gateway routes it to the best acquirer automatically.
curl -X POST https://api.magnetpay.org/v1/payment-intents \
-H "Authorization: Bearer sk_live_..." \
-H "Content-Type: application/json" \
-H "Idempotency-Key: order_abc123" \
-d '{
"amount": 4999,
"currency": "usd",
"payment_method_types": ["card"],
"customer": "cus_9f3kR2xL",
"metadata": {
"order_id": "ord_28571",
"product": "pro_plan"
},
"routing": {
"strategy": "optimize_approval",
"fallback": true
},
"three_d_secure": "automatic"
}'{
"id": "pi_3kXj9v2eZ",
"object": "payment_intent",
"status": "requires_confirmation",
"amount": 4999,
"currency": "usd",
"client_secret": "pi_3kXj9v2eZ_secret_...",
"routing": {
"selected_provider": "acquirer_stripe",
"reason": "highest_approval_rate"
}
}Payment Gateway FAQ
What is a payment gateway API?
A payment gateway API is a programmatic interface that allows businesses to accept, process, and manage online payments. MAGNETPAY's payment gateway API provides a single integration point for card payments, bank transfers, and alternative payment methods across 30+ currencies, with built-in fraud detection, 3DS authentication, and multi-provider routing.
How does MAGNETPAY payment routing work?
MAGNETPAY uses intelligent payment routing to maximize approval rates and minimize costs. When a transaction is initiated, our routing engine evaluates multiple factors including card BIN country, transaction amount, acquirer success rates, and your configured rules to select the optimal processing path. You can set routing rules based on cost optimization, approval rate maximization, or geographic preferences.
What payment methods does the payment gateway support?
MAGNETPAY supports Visa, Mastercard, American Express, and Discover card networks globally. Additionally, we support local payment methods including UPI and Netbanking in India, SEPA transfers in Europe, ACH in the US, and PIX in Brazil. Crypto payments are available via our dedicated crypto gateway integration.
Is the payment gateway PCI DSS compliant?
Yes. MAGNETPAY is PCI DSS Level 1 compliant. Our drop-in checkout and Elements SDK handle sensitive card data directly, so your servers never touch raw card numbers. All data is encrypted with AES-256-GCM at rest and TLS 1.3 in transit. Tokenization ensures card details are replaced with non-sensitive tokens for recurring use.
How fast are payment gateway settlements?
Standard settlement is T+2 business days for card payments. Express settlement (T+1 or same-day) is available for qualified accounts. Bank transfers and local methods settle based on the specific payment rail, typically within 1-3 business days. You can track settlement status in real-time via the dashboard or API.
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Start Accepting Payments Today
Get your payment gateway live in minutes. No setup fees, no monthly minimums. Pay only for successful transactions.