iPOS Transact

The iPOS Transact API empowers merchants to streamline their payment processes by enabling void, full or partial refunds, and sale transactions using card tokens directly from their own CRM or billing software. With this API, merchants can bypass the need to log in to the iPOSpays portal for many transaction types, improving efficiency and integration with third-party applications.

However, the API is not a replacement for a Hosted Payment Page (HPP) or Freedom to Design (FTD) solutions. While void and refund transactions can be executed directly, sale transactions require a card token. These tokens can only be generated through Hosted Payment Pages or SPIn (Semi-integrated Payments).

For example, a merchant running a gym membership program can use the Hosted Payment Page to collect the first payment via a payment link. Upon successful payment, the card token is returned as part of the response. The merchant can store this token in their system and later use the iPOS Transact API to charge the customer for recurring payments without further intervention.

It is also worth noting that the Hosted Payment Page and WooCommerce plugin utilize the iPOS Transact API as their underlying payment mechanism.

Use Cases

Here are some scenarios where the iPOS Transact API can provide significant value to merchants:

• Void or Refund Transactions in Semi-Integrated Payments

Merchants using semi-integrated setups (e.g., cash registers paired with POS terminals) can perform void or refund transactions directly from their system without requiring the card used in the original transaction.

• Integration for Membership-Based Services

Merchants managing membership-based services (e.g., gyms) can integrate the Hosted Payment Page to collect the initial payment and save the card token. The iPOS Transact API can then be used for future charges, voids, or refunds without requiring manual intervention.

• Simplified Payment Operations

The API enables merchants to streamline operations by integrating payment functionality directly into their existing software solutions, reducing the need for multiple tools or platforms.