About Reefpay

Reefpay connects your application to payment processors so you can accept and manage electronic payments. Rather than building direct integrations with each processor, you send a single API request to Reefpay, which routes the transaction to the appropriate processor, handles the response, and returns a standardized result.

Reefpay supports the following transaction types through a single API at POST /v1/transactions.

• Credit and debit card sales: One-step transactions that authorize and capture payment simultaneously.
• Card authorizations: Two-step transactions that place a hold on funds, with a separate capture step when you are ready to collect.
• ACH payments (debits): Bank account transactions that transfer funds from a person to a merchant.
• ACH payouts (credits): Bank account transactions that transfer funds from a merchant to a person or vendor.

All payment types support both raw payment credentials and tokenized payment methods for returning persons.

Connect to TSYS for credit card processing and Vericheck for ACH transactions through one unified API. Reefpay normalizes request and response formats across processors.

Reefpay is PCI-DSS compliant. By tokenizing payment credentials and using AES-256 CBC encryption for sensitive data, Reefpay reduces your PCI scope and simplifies compliance audits.

Reefpay supports a hierarchical account structure with resellers and merchants. Resellers can onboard and manage multiple merchant accounts through the API, making it suitable for platforms, marketplaces, and payment facilitators.

The API follows RESTful conventions with JSON payloads, standard HTTP methods, and predictable resource URLs. All endpoints are documented with an OpenAPI 3.1 specification.

Reefpay provides capabilities across several areas.

• Payment processing: Sales, authorizations, captures, voids, and refunds for cards and bank accounts.
• Tokenization and vaulting: Store payment methods securely and reference them by token for future transactions.
• Batch settlement: Transactions are grouped into batches for settlement to merchant bank accounts.
• Reporting: Query transactions, view batch settlement details, and export data for reconciliation.
• Account management: Manage clients, integrations (processor accounts), and persons with role-based access.
• Multi-factor authentication (MFA): Protect account access with challenge-based verification.

A typical integration follows this flow.

1. Register: Register for an account to receive your API key.
2. Send transactions: Use the API key in the APIKEY header to create transactions, store payment methods, or manage accounts.
3. Receive responses: Reefpay returns standardized responses with transaction state, processor codes, and correlation identifiers for tracing.
4. Settle: Transactions accumulate in batches and settle to the merchant's bank account according to the batch schedule.

• Quickstart
• About features overview
• About the role of gateways