Payments API

The GlobalTech Payments API provides a secure and unified way to initiate and manage payments using cards and alternative payment methods (APM) such as UPI, bank transfers, or digital wallets.

Overview

Each payment begins by making a POST request to one of the initiation endpoints:

Card payments: /v1/payments/card/initiate
APM payments: /v1/payments/apm/initiate

The API handles all transaction details, including validation, routing, and fraud prevention, so you can focus on your customer experience.

Features

Feature	Description
Card Payments	Accept credit and debit card payments securely.
APM Payments	Support non-card methods like UPI, mobile wallets, and bank transfers.
Callbacks	Redirect customers back to your site after payment completion.
Webhooks	Receive real-time payment status notifications from GlobalTech’s servers.

Workflow Summary

Card Payment Flow

sequenceDiagram
    participant User
    participant Merchant Server
    participant GlobalTech API
    participant Card Network
    participant Bank

    User->>Merchant Server: Checkout and enter card details
    Merchant Server->>GlobalTech API: POST /v1/payments/card/initiate
    GlobalTech API->>Card Network: Route transaction
    Card Network->>Bank: Verify funds
    Bank-->>Card Network: Approve or decline
    Card Network-->>GlobalTech API: Response
    GlobalTech API-->>Merchant Server: Payment created
    GlobalTech API-->>Merchant Server: Webhook (payment.completed)
    Merchant Server-->>User: Order confirmed

APM Payment Flow

sequenceDiagram
    participant User as 🧑 User
    participant Merchant as 🏬 Merchant Server
    participant GlobalTech as 🌐 GlobalTech API
    participant APM as 💰 APM Provider
    participant Bank as 🏦 Bank

    User->>Merchant: Selects "Pay with APM"
    Merchant->>GlobalTech: POST /v1/payments/apm/initiate
    GlobalTech-->>Merchant: Returns payment_url to redirect user
    Merchant-->>User: Redirect user to APM payment_url
    User->>APM: Completes payment (e.g., UPI app, wallet, bank portal)
    APM->>Bank: Processes transaction
    Bank-->>APM: Confirms success or failure
    APM-->>GlobalTech: Sends transaction result
    GlobalTech-->>Merchant: Sends webhook (payment.completed or payment.failed)
    User-->>Merchant: Redirected via callback_url
    Merchant-->>User: Displays payment confirmation or error page