Below are essential terms you’ll encounter while integrating Paycashless. Understanding these will help ensure smooth implementation, testing, and reconciliation of transactions.

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Authentication & Security

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API Key

A private credential used to authenticate API requests. This key is passed in request headers when calling Paycashless endpoints.

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API Secret

A private credential used for signing and verifying API requests. You must use your secret to sign requests and validate webhooks for security and integrity.

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Signing Requests

Paycashless requires all API and webhook requests to be signed using your API Secret. This helps ensure that the request is legitimate and has not been tampered with.

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Environments

We have two environments in Paycashless
EnvironmentDetails
TestA sandbox environment used during development and testing. It allows developers to simulate payment flows and API interactions without using real money. No actual transactions are processed.
LiveThe production environment where real transactions occur. It is used to process actual payments and should only be accessed with secure, verified credentials.

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Payments

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Virtual Account

A unique bank account number assigned to a business or end-customer, enabling direct transfers and automatic matching of funds.

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Pay with Transfer

A payment method that allows customers to complete transactions by transferring funds to a virtual account, instead of using cards.

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Settlement

The transfer of collected funds from Paycashless into your business’s payout account. This typically happens within a configured settlement schedule.

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Integration Terms

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Webhook

A real-time notification sent to your server when certain events occur (e.g., payment received, settlement completed). You’ll pass a callback URL to receive these.

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Callback URL

The endpoint on your system where Paycashless sends webhook events. It must be accessible over HTTPS.

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Sandbox Environment

A testing environment with mock data and test keys. Use it to simulate real-world scenarios safely before going live.

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Checkout

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Checkout Widget

An embeddable payment UI for websites and apps. Fully brandable and supports “Pay with Transfer” out of the box.