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Azupay PayTo is a bank payment method that allows buyers in Australia to pay directly from their bank account using a PayTo agreement. Azupay uses a redirect flow where the buyer approves the payment on the Azupay hosted page.

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Setup

Azupay provides a self-service sign-up for a sandbox account. To sign up for an account, visit the sign-up page and follow the instructions.

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Credentials

When setting up PayTo in the dashboard, configure the following credentials:
  • Client ID - The client ID provided as part of the Azupay account request form once the account is created.
  • Secret key - The secret key generated in the Azupay Dashboard under Settings > API Keys.

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Features

Azupay PayTo supports the following features:
  • Direct capture - Payments are captured immediately at the time of authorization
  • Partial refunds - Refund a portion of the captured amount
  • Refunds - Refund transactions in full
  • Payment method tokenization - Store payment methods for future use

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Supported countries

Azupay PayTo supports transactions from buyers in AU.

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Supported currencies

Azupay PayTo supports processing payments in AUD.

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Limitations

The following features are not supported by this connector:
  • Delayed capture - Authorizing a payment and capturing it later is not supported
  • Void - Canceling an authorized transaction before capture is not supported
  • Partial capture - Capturing a portion of the authorized amount is not supported
  • Over capture - Capturing more than the authorized amount is not supported
  • Partial authorization - Accepting a partial amount is not supported
  • Zero auth - Zero-dollar verification transactions are not supported
  • Transaction sync - Automatic transaction status synchronization is not supported
  • Settlement reporting - Automatic settlement reporting is not supported
Additional limitations:
  • Concurrent refunds - Another refund cannot be initiated while there is an outstanding in-progress refund.

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Webhooks

Azupay sends webhook events for every payment request status change. Ensure all webhook events are enabled:
  1. Log in to the Azupay Dashboard.
  2. Navigate to Settings > Payment Request webhook events.
  3. Set the webhook URL as defined by the connector.

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Integration

The default integration for Azupay PayTo uses a redirect to a hosted payments page. Start by creating a new transaction with the following required fields. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "AUD",
    Country = "AU",
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "payto",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);
After the transaction is created, the API response includes a payment_method.approval_url and the status is set to buyer_approval_pending. The approval URL expires after 30 minutes. 
{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.gr4vy.com/connectors/..."
  },
  "method": "payto"
}
Redirect the buyer to the approval_url (open in a browser or Webview), where they can complete the payment. Once the buyer approves, the transaction progresses to a capture_succeeded state.