Comprehensive Guide to Payment Gateway Setup

Comprehensive Guide to Payment Gateway Setup

Introduction to Payment Gateways

Payment gateways are integral to the smooth functioning of the platform, enabling the secure collection of fees through multiple payment methods, including credit/debit cards, UPI, Netbanking, and more. These gateways facilitate seamless transactions for various services, such as event registrations, membership fees, I-card applications, transcript fees, and donations, based on the specific modules included in your subscription.


How to Integrate a New Payment Gateway

Follow these steps to integrate a new payment gateway:

  1. Navigate to Admin Dashboard > Payments > Gateways.

  2. Click on New Gateway.

  3. Select the gateway you wish to set up from the available list.

  4. Enter the required keys provided by your gateway account.

  5. Choose the currencies in which you wish to accept payments and the modules for which the gateway will be enabled.

  6. Click Activate to finalize the setup.

Once the gateway is activated, it will be available for use when setting up new events, donation projects, memberships, and more. You can also set up multiple gateways for different use cases based on your subscription package.


Supported Gateways

We support over 12 different payment gateways, compatible with multiple countries and currencies. For detailed information on the list of supported gateways and their setup process, please refer to the section below.


1. PayPal

PayPal is a global digital payment platform that supports cross-border payments in over 200 countries and multiple currencies. It is widely used in the USA, UK, Canada, Australia, and Europe, among others. PayPal enables businesses to send and receive money securely, with features like fraud protection, dispute resolution, and support for international transactions. 

Steps to integration with Almashines Platform
1. Create a PayPal Account
Note: If you already have an active PayPal account, you may skip this section. If not, follow these steps:
  • Sign up at PayPal Signup.
  • Complete the registration by providing the required details.
  • Follow all necessary steps to activate your account.
  • Once your account is activated, you can start accepting payments.
2. Generate PayPal API Credentials
To integrate PayPal with your portal, you need to generate your PayPal REST API Credentials:
  • Login to PayPal Developer Dashboard by visiting PayPal Developer and sign in with your PayPal account.
  • Generate REST API Credentials by following the steps in this video tutorial.
  • Retrieve the LIVE Client ID and Secret Key.
3. Configure PayPal in Your Portal
  • Go to your Gateway Setup page in your portal.
  • Enter your LIVE Client ID and Secret Key.
  • Select the currencies to be allowed.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the setup.
 

2. Stripe

Stripe is a leading global payment gateway that supports payments in 45+ countries, including the USA, Canada, UK, Australia, India, and many more. It is known for its easy integration with websites and mobile apps, supporting a range of payment methods such as credit/debit cards, bank transfers, and digital wallets. Stripe also offers subscription management, invoicing, fraud prevention, and advanced analytics.

Steps to integrate with Almashines Platform
1. Create a Stripe Account
Note: If you already have an active Stripe account, you may skip this section. If not, follow these steps:
  • Sign up at Stripe Signup.
  • Complete the registration by providing the required details.
  • Follow Stripe’s verification process to activate your account.
2. Generate Test API Keys
Before going live, you need to generate Test API Keys to verify the payment gateway integration.
  • Login to Stripe Dashboard by visiting Stripe Dashboard and sign in.
  • Enable Test Mode & Generate Test Keys:
    • Go to Developers > API Keys > Standard Keys.
    • Ensure Test Mode is enabled.
    • Copy your Test Publishable Key (starts with pk_test_...) and Test Secret Key (starts with sk_test_...).
  • Configure Stripe Test Mode in Your Portal:
    • Go to your Gateway Setup page in your portal.
    • Enter your Test Publishable Key and Test Secret Key.
    • Select the currencies to be allowed.
    • Choose the modules that will use this gateway.
    • Click Activate to complete the setup.
  • Test the Payment Flow:
    • Run test transactions to ensure the gateway is working correctly.
3. Generate Live API Keys
Once testing is successful, you can switch to Live Mode to start accepting real payments.
  • Disable Test Mode & Generate Live Keys:
    • Go to Developers > API Keys > Standard Keys in the Stripe dashboard.
    • Disable Test Mode to access your Live Keys.
    • Copy your Live Publishable Key (starts with pk_live_...) and Live Secret Key (starts with sk_live_...).
  • Configure Stripe Live Mode in Your Portal:
    • Go to your Gateway Setup page in your portal.
    • Enter your Live Publishable Key and Live Secret Key.
    • Select the currencies to be allowed.
    • Choose the modules that will use this gateway.
    • Click Activate to complete the setup.
 

3. Razorpay

Razorpay is a popular Indian payment gateway widely used by businesses of all sizes. It supports a variety of payment options including credit/debit cards, UPI, wallets, and net banking. Razorpay operates primarily in India but is also expanding to support international payments in certain countries. It offers subscription management, invoicing, payment links, and advanced fraud protection.

Steps to integrate with Almashines Platform
1. Create a Razorpay Account
If your organization does not have a Razorpay account, follow these steps to create one:
  • Sign up at Razorpay Signup.
  • Complete the registration process by providing the required details.
  • Follow the steps to verify your account and complete the activation.
  • Once activated, you can start using Razorpay to accept payments.
2. Generate Razorpay API Keys
If you haven't already stored your Live API Keys, follow these steps:
  • Login to Razorpay by visiting Razorpay Login and sign in to your account.
  • Generate Live API Keys by following the steps in this tutorial.
  • If you already have live keys, do not regenerate them as it may affect existing integrations.
3. Configure Razorpay in Your Portal
  • Retrieve your Key ID and Key Secret from Razorpay.
  • Go to your Gateway Setup page in your portal.
  • Enter the required credentials (Key ID and Key Secret).
  • Select the currencies to be allowed.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the setup.
 

4. Instamojo

Instamojo is an Indian payment gateway that allows businesses to accept payments online through various methods like credit/debit cards, UPI, wallets, and net banking. It is widely used across India and supports local businesses with simple and cost-effective solutions.

Steps for integration with Almashines Platform
1. Create an Instamojo Account
Note: If your organization is already registered on Instamojo, you may skip this section. If not, follow these steps:
  • Sign up using this link: Instamojo Signup.
  • Complete the registration process by providing the required details.
  • Submit all necessary documents as prompted to activate your account.
  • Once approved, you can start processing payments.
2. Generate API Keys
To integrate Instamojo with your portal, you need to retrieve API keys from the Instamojo dashboard.
  • Login to Instamojo by visiting the Instamojo Login page.
  • Enter your credentials to access the dashboard.
  • Navigate to the API & Plugins section in the dashboard menu on the left.
  • Locate your API credentials (keys) on this page.
  • Collect the following details:
    • Client ID
    • Client Secret Key
  • Insert these API credentials on your portal’s settings page.
3. Configure Instamojo in Your Portal
  • Go to your Gateway Setup page in your portal.
  • Enter the required credentials (Client ID and Client Secret).
  • Select the currencies you want to allow.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the setup.
 

5. Easebuzz

Easebuzz is an online payment gateway service based in India, offering secure and encrypted payment processing through credit cards, debit cards, UPI, and more. Easebuzz provides API integration for seamless integration with websites and mobile apps, making it an ideal choice for businesses in India.

Steps to integrate with Almashines Platform
1. Create an Easebuzz Account
If your organization does not have an Easebuzz account, follow these steps:
  • Sign up using this link: Easebuzz Signup.
  • Complete the registration by providing the required details.
  • Submit all necessary documents as prompted to activate your account.
  • Once approved, you can start processing payments.
2. Retrieve API Credentials
Once your account is activated, you will receive an email from Easebuzz with the subject:
"Easebuzz - Payment Gateway Live Kit"
This email contains your API credentials required for integration.
3. Configure Easebuzz in Your Portal
  • Open the Easebuzz - Payment Gateway Live Kit email and retrieve the required credentials.
  • Go to your Gateway Setup page in your portal.
  • Enter the required credentials.
  • Select the currencies to be allowed.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the setup.
 

6. Paytm for Business

Paytm Payment Gateway is one of India’s most widely used solutions for online payments. It allows businesses to process payments through credit/debit cards, UPI, net banking, wallets, and EMI options. Paytm is primarily used across India and is trusted for its security protocols, fraud protection, and comprehensive transaction analytics.

Steps to integrate with Almashines Platform
1. Create a Paytm Business Account
If your organization does not have a Paytm Business Account, follow these steps to create one:
  • Complete the registration by providing the required details.
  • Follow the steps to verify your business account.
  • Once your account is activated, you can start using Paytm for payment processing.
2. Generate Paytm API Keys
If you haven't already stored your Production API Keys, follow these steps:
  • Login to Paytm Dashboard by visiting Paytm Dashboard.
  • Sign in to your business account.
  • Generate Production API Keys by following the steps in this tutorial.
  • If you already have production keys, do not regenerate them as it may affect existing integrations.
3. Configure Paytm in Your Portal
  • Retrieve your Merchant Secret and Merchant Key from the Paytm dashboard.
  • Go to your Gateway Setup page in your portal.
  • Enter the required credentials.
  • Select the currencies to be allowed.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the setup.
 

7. CCAvenue

CCAvenue is a payment gateway service based in India, supporting a wide range of payment methods, including credit/debit cards, UPI, wallets, and net banking. It is widely used in India and supports multi-currency transactions for international payments. CCAvenue is known for its customizable payment pages, recurring billing, and advanced fraud detection tools.

Steps to Integrate with Almashines Platform
1. Create a CCAvenue Account
If your organization does not have a CCAvenue account, follow these steps:
  • Sign up at CCAvenue Signup.
  • Complete the registration by providing the required details.
  • Follow all necessary steps to activate your account.
  • Once approved, you will receive an email containing the CCAvenue Testing Kit.
2. Configure and Test CCAvenue API Keys
  • Retrieve the Test API Keys from the CCAvenue Testing Kit email.
  • Go to your Gateway Setup page in your portal.
  • Enter the Test API Keys and configure the necessary settings.
  • Select the currencies to be allowed.
  • Choose the modules that will use this gateway.
  • Click Activate to complete the test setup.
3. Obtain and Configure Live API Keys
Once testing is successful, CCAvenue will provide you with Live API Keys.
  • Return to your Gateway Setup page in your portal.
  • Create a new gateway with LIVE API Keys credentials and disable or delete the testing gateway if not needed.
  • Verify all configurations, including currencies and module selection.
  • Click Activate to enable live transactions.
 

8. SBIePay

SBIePay is an online payment aggregation service provided by the State Bank of India, enabling businesses to accept payments securely. It operates primarily in India, where it provides reliable and trusted payment solutions backed by India’s most recognized banking institution.

Steps to Integrate with Almashines Platform
Step 1: Creating an SBIePay Account
  • Visit the SBIePay website and sign up for a merchant account.
  • Complete the registration process and submit the necessary business documents.
  • After approval, you will receive your Merchant Reference Number and other required credentials.

Step 2: Generating API Credentials
  • Navigate to the API Integration section.
  • Generate and securely note down the following credentials:
    • Merchant ID
    • Merchant Key

Step 3: Configuring SBIePay in Your Platform
  • Go to the Payment Gateway Setup section in your admin panel.
  • Select SBIePay as your payment gateway.
  • Enter the required credentials.
  • Choose the currencies you wish to support.
  • Select the modules that will use this gateway (e.g., e-commerce, membership payments, etc.).
  • Click Activate to enable SBIePay.

Step 4: Testing & Going Live
  • Perform a test transaction to verify the integration.
  • Ensure that NEFT/RTGS transactions, if applicable, are processed correctly.
  • Once confirmed, switch to Live Mode in the SBIePay settings.
    • You need to create a new live gateway on the platform. Testing gateway cannot be used to fetch actual payments.
    • The setup procedure is the same with live keys. Set the value of Is Live to true.
For more details, visit the SBIePay Merchant Portal.
 

9. iPay88

iPay88 is a payment service provider that supports businesses in Southeast Asia, including countries like Malaysia, Singapore, Indonesia, the Philippines, and Thailand. It offers various payment options including credit cards, e-wallets, and online banking. iPay88 provides tailored payment solutions to meet the preferences of customers in the region.

Steps to Integrate with Almashines Platform
Step 1: Creating an iPay88 Account
  • Visit iPay88’s official website: iPay88 Official Website.
  • Click on Sign Up and fill in the required business details.
  • Submit all necessary documents for verification.
  • Once your account is approved, you will receive a confirmation email.

Step 2: Generating API Credentials
  • Log in to the iPay88 merchant portal: iPay88 Merchant Portal.
  • Navigate to the API Integration section.
  • Generate the following keys:
    • Merchant Code
    • Merchant Key
    • Signature Key
  • Note down these credentials securely.

Step 3: Configuring iPay88 in Your Platform
  • Go to the Gateway Setup page in your system.
  • Enter the required details.
  • Select the currencies you want to allow.
  • Choose the modules that can use this gateway (e.g., e-commerce, donation, subscription).
  • Click Activate to enable the gateway.
If you need further assistance, refer to iPay88's official documentation.
 

10. M-Pesa

M-Pesa is widely used across Africa, particularly in Kenya, Tanzania, Uganda, and other East African countries. It allows users to send and receive money, make bill payments, and access financial services using mobile phones. M-Pesa is especially popular for individuals without access to traditional banking services, providing a secure and affordable way to manage finances.

Steps to Integrate with Almashines Platform
Step 1: Creating an M-PESA Business Account
To integrate M-PESA with your platform, you need an active M-PESA Business Account. Follow these steps:
  • Visit the official website of M-PESA and register for an account.
  • Submit all required Know Your Customer (KYC) documents for verification.
  • Your application will go under review, and upon approval, your account will be activated.
Step 2: Generating API Credentials
Once your account is active, follow these steps to obtain API credentials for integration:
  • Navigate to the "My Apps" section and create a new application.
  • You will receive the following API credentials:
    • Consumer Key
    • Consumer Secret
    • Business Shortcode
    • Initiator Name
    • Security Credentials
  • Save these credentials for use in the gateway setup.
Step 3: Configuring M-PESA on Your Platform
After collecting the API credentials, follow these steps to configure M-PESA:
  • Go to the Payment Gateway Setup Page on your platform.
  • Enter the required API credentials.
  • Select the allowed currencies for transactions.
  • Enable the modules (e.g., donations, ticketing, memberships) that should use M-PESA.
  • Activate the gateway to start accepting payments.
NOTE:
  • Ensure your account is approved before attempting integration.
  • Use the M-PESA Sandbox Environment for testing before switching to the production environment.
  • Keep your API credentials confidential to prevent unauthorized access.
  • You need to create a new live gateway on the platform. Testing gateway cannot be used to fetch actual payments. The setup procedure is the same with live keys. Set the value of Is Live to true.
 

11. PayU

PayUBiz is a popular payment gateway that supports businesses in India and internationally, offering payment solutions via credit cards, debit cards, UPI, net banking, and wallets. It provides a seamless and secure payment experience, catering to a wide range of businesses with its multi-currency support.

Steps to integrate with Almashines Platform
1. Creating a PayU Account
  • Go to the PayU website: https://payu.in
  • Click on Sign Up and register your business.
  • Complete the KYC verification by submitting the necessary business documents.
  • Once your account is approved, you can access your PayU dashboard.

2. Generating API Keys
To integrate PayU with your platform, you need to generate API keys:
  • Log in to the PayU dashboard: https://payu.in
  • Navigate to Dashboard > Developer > API Keys
  • Copy the following credentials:
    • Client ID
    • Secret Key
    • Merchant Key
    • Salt
    • Merchant ID (mid, shown in the header section)
    • Is Live? (0 => Testing, 1 => Live)

3. Configuring PayU on Your Platform
Once you have collected the required credentials, follow these steps to configure the payment gateway on your portal:
  • Go to the Payment Gateway Setup page in your platform’s admin panel.
  • Select PayU as your payment gateway provider.
  • Enter the required credentials.
  • Choose the currencies you want to accept.
  • Select the modules that will use this payment gateway (e.g., Memberships, Event Registrations, Donations).
  • Click Activate to enable PayU.

4. Testing & Going Live
  • Ensure that transactions are working by making a test payment using PayU’s sandbox mode.
  • Once confirmed, switch to Live Mode in the settings.
  • Your PayU payment gateway is now ready to accept real transactions.
  • You need to create a new live gateway on the platform. The testing gateway cannot be used to fetch actual payments.
  • The setup procedure is the same with live keys. Set the value of Is Live to true.
For further details, you can refer to PayU’s official documentation: PayU Developer Guide
 

12. SimplePay

SimplePay is a payment gateway that enables businesses to accept payments via credit cards, debit cards, and bank transfers. It is widely used in Germany and other European countries, offering a secure and straightforward payment solution for businesses looking to provide seamless payment options to their customers.

Steps to integrate with Almashines Platform
  1. Creating a SimplePay Account
    • Visit the SimplePay website and sign up for an account.
    • Complete your business registration and KYC verification by submitting the required documents.
    • Once approved, log in to your SimplePay dashboard.

  2. Generating API Keys
    To integrate SimplePay with your platform, follow these steps:
    • Log in to your SimplePay dashboard.
    • Navigate to Settings > API Keys or Developer Section.
    • Copy the following credentials:
      • Secret Key
      • Merchant ID

  3. Configuring SimplePay on Your Platform
    • Go to the Payment Gateway Setup page in your platform’s admin panel.
    • Select SimplePay as your payment gateway.
    • Enter the required credentials.
    • Choose the currencies you want to accept.
    • Select the modules that will use this payment gateway.
    • Click Activate to enable SimplePay.

  4. Testing & Going Live
    • Make a test transaction to ensure the integration is working correctly.
    • Once confirmed, switch to Live Mode in the SimplePay settings.
    • Your platform is now ready to accept payments via SimplePay.
      • You need to create a new live gateway on the platform. Testing gateway cannot be used to fetch actual payments.
      • The setup procedure is the same with live keys. Set the value of Is Live to true.
For more details, visit the SimplePay Official Documentation.
 

Info
If you need any assistance in choosing the best payment gateway for your platform, have questions about the integration process, or require support with anything else, feel free to reach out to us at clients@almasines.com. Our team is here to help you ensure a smooth and seamless integration experience.

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