Overview
Overview
SGT Payment Gateway API is a headless payment gateway for e-commerce platforms, mobile apps and SaaS products. One REST API accepts cards (Visa / Mastercard / Amex / local schemes), wallets, bank transfers and Buy-Now-Pay-Later — handles tokenisation, 3-D Secure 2.x challenges, smart-routing across multiple acquirers, and merchant settlement.
Built for developers: a single charge call, deterministic webhooks, idempotency keys on every request, OpenAPI-3 spec, SDKs in JavaScript / Python / Go / Java / PHP, a hosted-checkout fallback for low-effort integration, and a dashboard that gives finance teams reconciliation reports in two clicks. Designed for 99.99% uptime with multi-acquirer failover so a single bank outage never takes your checkout down.
- One API · five rails — card, wallet, bank, BNPL, recurring — through the same endpoint
- Smart-routing — automatic acquirer selection by BIN, cost, success-rate, region
- 3DS 2.x — built-in challenge flow, exemption logic, liability shift
- Tokenisation — PAN never touches your servers, PCI scope reduced to SAQ-A
How It Works
- API Console — your developer calls
POST /v1/chargeswith amount, currency, source token and method. The gateway accepts in 18 ms median, returns a transaction object or a 3DS redirect URL. SDKs and a Postman collection make integration a few-hour job. - Transaction Flow — every charge passes through Auth → 3DS (if required) → Capture → Settle. Each stage emits webhooks; failures auto-retry with exponential back-off; the final state is always one of succeeded / failed / refunded.
- Rails / Acquirers — the routing engine picks the best acquirer per transaction using BIN, live success-rate, scheme, region and cost. If acquirer-A drops, traffic spills to acquirer-B in under a second.
- Merchant / Customer — customer sees a hosted or in-context checkout; merchant gets a real-time webhook, a daily payout report, and dashboards for refunds, disputes and reconciliation.
Features
- Card vault & tokenisation — store cards once, charge forever, PCI scope at SAQ-A
- 3DS 2.x — frictionless and challenge flows, exemption engine, full liability shift
- Multi-acquirer smart-routing — BIN-based, cost-based, success-rate-based, region-based
- Recurring & subscriptions — schedule, retry, dunning, proration, MIT 3DS-cred-on-file
- Refunds & partial refunds — same API, same idempotency model
- Dispute & chargeback workflow — receive notice, upload evidence, track outcome
- Webhooks & idempotency — at-least-once delivery, signed payloads, replay tool
- Hosted checkout — drop-in iframe or hosted page for merchants who want zero front-end work
- Reconciliation — daily settlement file (CSV / Parquet) matched to payout deposits
Use Cases
- E-commerce platforms — single integration accepts every popular method in your region
- SaaS subscriptions — recurring billing with dunning and 3DS-cred-on-file
- Marketplaces — split payments to multiple sellers, escrow holds, payout schedules
- Mobile apps — native SDKs for iOS / Android, Apple Pay / Google Pay tokens
- Bill payment / utility platforms — bank-rail + wallet for low-fee acceptance
- Cross-border merchant acceptance — multi-currency, dynamic-currency-conversion, localised methods
Specifications
- API: REST / JSON, OpenAPI 3 spec, idempotency keys, signed webhooks (HMAC-SHA256)
- SDKs: JavaScript, Python, Go, Java, PHP, Ruby; native iOS Swift and Android Kotlin
- Methods: Visa, Mastercard, Amex, JCB, UnionPay, regional schemes; wallets; bank transfer (NPSB / RTGS / FPX / VA); BNPL
- Latency: p50 18 ms, p99 64 ms gateway-side (excludes external scheme RTT)
- Throughput: 5,000 TPS per region cluster, horizontal scaling
- Compliance: PCI-DSS Level 1 service provider, 3DS 2.2, PSD2 SCA, regional regulator pre-certified
- Uptime: 99.99% SLA, multi-region active-active, sub-second acquirer failover
- Settlement: T+1 standard, T+0 fast-track per agreement, multi-currency payout
Product information
| Product name | Payment Gateway API |
|---|---|
| Category | FinTech Products |
| Type | Website |
| Procurement | Contact / Negotiable |
Customisation options
- Methods accepted — card-only, +wallet, +bank-transfer, +BNPL, or full omni-method
- Integration style — pure API (you build UI), hosted checkout page, drop-in iframe, or native mobile SDK
- Acquirer setup — your own acquirer contract, our pre-negotiated multi-acquirer pool, or hybrid smart-routing
- 3DS policy — always challenge, frictionless-preferred with exemption engine, or merchant-policy per BIN
- Webhooks — at-least-once REST, signed payloads with HMAC, message queue push (SQS / Pub-Sub), or all three
- Tokenisation scope — gateway-only, network tokens (Visa / MC), or full PCI-scope-reducing token vault
- Settlement & payout — T+1 single currency, T+0 fast-track, multi-currency, or split-payment marketplace mode
- Compliance & reporting — SAQ-A merchant profile, PCI-DSS L1 attestation, regional regulator reporting templates
Ordering & lead time
Standard lead time depends on current stock. For volume orders, please contact our team for a structured quote including BOQ, freight, installation and warranty terms.
Support
Engineering support, installation guidance and warranty claims are handled by our customer success team. Reach us at support@sgtsystems.com or via the channels listed on our Contact page.