Transactions, Balances & Reporting
There are two ways you can check the availability of payment methods for your project.
1) Go to the “Payment Methods” section of your admin panel and choose the project for which you want to check the enabled methods with the applied fees.
2) Make an API request for more details like payment method ID, type, and supported countries.
Get Available Payment Methods · Payop/payop-api-doc
Please be advised that there is a wide range of API testing tools (e.x. Postman, REST-assured, JMeter, Curl, etc.) to make API requests and receive information, you need to choose the most convenient for you.
Step-by-step video instruction: How to find available payment methods for application/project | Payop.
There are five types of balances:
1. The Available balance refers to the funds available for withdrawal. If you have passed the verification and started processing payments, you can apply for the withdrawal of funds from the available balance at any time.
2. The Rolling Reserve refers to a percentage (5-10%) of the transactions received that is held for three months. It is a standard practice in payment processing used to cover possible chargebacks/refunds or fraudulent activities. After the specified period, the funds are transferred to the Available balance.
3. The Pending balance refers to the funds expected to move into the available balance after the buyer pays for the item. The period for which funds are withheld depends on the type of account verification, project history, turnover, industry, risk level and other factors considered during project verification. You can check all the holds applied to your account in the Pending transfers section.
4. The Referral balance refers to the funds earned through our affiliate program.
5. The Total amount refers to the sum of all balances for each currency.
You may generate and download detailed transaction reports in the Reports section of your merchant account.
To request a report, follow these steps:
1. Go to the Reports section in the admin panel.
2. In the Report type dropdown, select the desired type of report:
– Checkout transactions – transactions processed via the checkout (payment) page.
– Affiliate transactions – payments of the merchants you’ve invited via our Partner Program and the commission amount you earn.
– Refunds – payments that you returned (fully or partially) to your users for the requested orders.
– Chargeback – payment disputes received from our payment partners due to your payers’ complaints.
– Charge transactions – Payop system charges.
– Withdrawals (basis details) – a report containing a withdrawals list with such basic details as amount, currency, pay amount, fee, created data, and the status.
– Pending transfers – successfully processed payments that are currently held on the Rolling Reserve and Pending balances with the indicated remaining time for each balance, when the transaction will be credited to the Available balance.
– Exchange history – exchange operations.
– Withdrawals (full details) – in addition to basic details (amount, currency, pay amount, fee, created data, status), this report includes Beneficiary details given in the withdrawal requests.
– Balance statement – a statement with the actual balance on each currency wallet per the requested date.
3. Choose a period (up to 93 days) and other required data, like payment method or report format (depending on the report type).
4. Click the Create report button.
After the report is generated and has the Finished status, you can download it by pressing the ⇩ symbol in the Download the report area.
If you get Failed status for the requested report, it means there is no data matching the selected criteria.
If you want to export the data for a longer period, please make several report requests, or you may contact our Support team at support@payop.com, and we will be happy to assist you.
You may easily perform the currency exchange in your merchant account.
To do that, follow these steps:
1. Go to the Exchange section.
2. Select the currencies you would like to exchange from the drop-down list and fill in the amount.
3. Push the Convert button to complete the exchange.
Before confirming the transaction, you can review the exchange rate and the amount you will receive.
Once the procedure is complete, you will receive a notification about the successful operation.
There is also an autoexchange operation which is applied when there are insufficient funds to complete your withdrawal. For instance, you have 900 EUR and 200 USD on your merchant balance, and you have requested a withdrawal of 1000 EUR. In that case, the system will charge 900 EUR from your EUR balance and automatically make an exchange for the remaining amount (100 EUR) from your USD balance to complete the request.
You can find this exchange operation in the “Currency exchange history” section of the “Exchange” tab.
There are two options to check the status or details of a particular payment.
1. Go to the Transactions section of your admin panel -> click on the Filter option -> add at least one known criteria of the required payment, such as transaction ID, order ID, amount, date, invoice ID, payer email or other.
2. By making an API request. For more information, check the instructions in our Documentation – Get Transaction Details · Payop/payop-api-doc
There are the following statuses for the checkout payments in our system:
– New – the status is assigned when a payer initiates a transaction on the Payop checkout page by clicking on the “Confirm & Pay” button, regardless of whether they have completed the payment process afterward.
– Accepted – the transaction has been successful. Payop has received the payment, and the funds have been credited to the merchant account.
– Failed – the transaction has been declined because the payer hasn’t paid for the order or due to technical reasons.
– Timeout – the status is set for a transaction that has been declined due to exceeding the time frame it can be in a certain status. If the payment period for this transaction has expired, it will be automatically rejected.
For payments via Pay by Bank channels, there are three additional statuses with the following meanings:
– Pending – a transaction gets this status when, due to the lack of data, it cannot be directly transferred to the bank, and a payer should fill in the remaining information. It only occurs for payments via Direct integration.
– Pre-approved – we received technical confirmation that the payer’s bank has approved the transaction, but the money has not yet been credited to the Payop account. When the transaction is Pre-approved, we expect to receive payment, but it’s not guaranteed by Payop till it gets the Accepted status. In this case, you, as a merchant, have the option to release the purchased item at your discretion. However, be warned that Payop doesn’t guarantee crediting of this payment, and if you don’t want to take the risk, please treat this status as Awaiting сonfirmation.
*the transaction may still be declined after Pre-approved status.
– Rejected – a payment has been automatically declined due to security reasons.
On the checkout page the payers can check the details of the requested order (its ID and amount), choose the preferred language of this page (among 12 available), and select the most convenient payment method to process a transaction.
All the methods are grouped according to their types (eWallets, Bank Transfers, Cards International, etc.), and to complete the payment the user should: find the needed group → select the method → fill in the required data.
There is also a possibility to use the search bar to find a specific method.
Some methods are only available for certain countries, so the IP and Geolocation for payment must be changed accordingly.
For example, Italian payment methods will be available on the payment page if a user has Italian as the default browser language, Italian IP, and geolocation.
If you want to add a payment method that is not available for your application now, please contact our Support team via email at support@payop.com or our Ticketing system. They will clarify your request with the relevant department. If enabling the requested method for the project is possible, our team will make the necessary adjustments.
In case a certain method is not relevant for your customers, you may deactivate it in your merchant account:
– go to the Payment Methods section;
– find the needed method using the Search field;
– disable it using On/Off toggle.
Once the payment is processed and gets its final status (Accepted or Rejected), you will receive an IPN notification to the specified URL. You can also check the payment statuses in the “Transactions” section of your account.
