SecPaid

SecPaid - your solution for payment automation

SecPaid offers software solutions that help companies optimize and automate digital payment processes by connecting them to licensed payment service providers and third-party vendors.

Powerful Features, Simplified

SecPaid offers a comprehensive suite of tools designed to streamline your payment operations, from accepting payments to managing complex financial flows.

Online Payment Processing

Accept payments globally with ease. Our robust infrastructure ensures secure and swift transactions, supporting various payment methods to maximize your conversion rates.

Split Payments

Automatically split payments between multiple parties. Perfect for marketplaces and partnerships.

Seamless Integrations

Connect with your existing systems and favorite tools. Our API-first approach and extensive documentation make integration simple, enabling you to automate workflows and enhance efficiency.

Payment Orchestration

SecPaid orchestrates multiple payment service providers through a single, unified API. Accept payments from customers worldwide with the best rates and coverage.

Live Transactions: 100
SecPaid
Visa
Visa
Mastercard
Mastercard
PayPal
PayPal
Apple Pay
Apple Pay
Google Pay
Google Pay
SEPA
SEPA
iDEAL
iDEAL
EPS
EPS
American Express
American Express
Mobile Pay
Mobile Pay
Twint
Twint
Revolut Pay
Revolut Pay
No hidden fees

Pricing

Our fee is individual, transparent, and volume-based. No mark-up on processor fees.

Individual
Volume-based SecPaid service fee
No flat monthly fee
No mark-up on processor fees
Volume discounts available
Custom SLAs for enterprise
Dedicated account manager
180+
Countries
99.9%
Uptime SLA
24/7
Support

Seamless Integrations

Connect SecPaid with your favorite tools and platforms to automate workflows and enhance your business operations.

Zapier

Zapier

Automate payment workflows by connecting SecPaid with thousands of apps. No code required.

Available now
n8n

n8n

Self-hosted workflow automation with the same SecPaid triggers, actions, and OAuth2 security as our Zapier integration.

Available now

Custom API

Full REST API access for bespoke integrations, webhooks, and enterprise workflows.

Available now
200+
Countries Supported
99.9%
Uptime Guarantee
24/7
Support Available
View all integrations

How SecPaid Works

Discover how SecPaid Payment Links can transform your business across different use cases and industries.

E-commerce Payment Links

Create instant payment links for your online store. Customers can pay with any method, anywhere in the world.

One-click checkout
Multi-currency support
Instant delivery

Subscription Management

Handle recurring payments with flexible billing cycles and automatic retry logic for failed payments.

Flexible billing
Automatic retries
Customer portal

Global Payment Links

Accept payments from customers worldwide with localized payment methods and currencies.

200+ countries
Local payment methods
Real-time conversion

Ready to Create Your First Payment Link?

Start accepting payments in minutes with SecPaid Payment Links. No coding required, instant setup.

Powerful, Intuitive API

Integrate SecPaid seamlessly into your applications with our well-documented and easy-to-use API.

Payment Links

Generate a unique, shareable payment URL in one API call. Send it by email, SMS, or embed it in your product.

POST /v2/createLink

Split Payments

Automatically distribute funds across multiple recipients — perfect for marketplaces, agencies, and platforms.

POST /v2/splitLink

Transaction Data

Query, filter, and export your payment history for reconciliation, accounting, and business intelligence.

POST /v2/getPayInTransactions

Instant Refunds

Refund any payment, in full or partially, without leaving your system or contacting support.

POST /v2/refundPayment
Create a payment link
Request
curl -X POST "https://app.secpaid.com/api/v2/createLink" \
  -H "token: YOUR_API_TOKEN" \
  -d "recipient_note=Invoice #1234" \
  -d "amount=250.00" \
  -d "callback_url=1"
Response — 200 OK
{
  "ResponseCode": 1,
  "ResponseMsg": "Link has been created successfully",
  "data": {
    "pay_link": "https://app.secpaid.com/payment?link_id=MTI0",
    "qr_img":   "https://quickchart.io/chart?...",
    "amount":   "250.00",
    "status":   "Unused"
  }
}

Real-time payment notifications

Every payment event triggers an instant callback to your server — no polling, no delays.

1

Customer pays

Your customer clicks the link and completes checkout.

2

SecPaid notifies

We POST to your callback URL with pay_id, user_id, and status.

3

Fulfil the order

Your server receives the event and triggers fulfilment automatically.

Your callback receives

https://yourdomain.com/callback?pay_id=46660&user_id=b44c...&status=success

Real-time Updates with Webhooks

Stay informed about every payment event. Our webhooks deliver instant notifications to your systems, enabling real-time automation and seamless workflows.

Payment Event

A payment is successfully processed, refunded, or disputed.

Webhook Trigger

SecPaid sends an HTTP POST request to your configured endpoint.

Your Server Receives

Your application receives the webhook payload with event details.

Process & Acknowledge

Your server processes the event and sends a 200 OK response.

Retry Logic

If no 200 OK, SecPaid retries with exponential backoff.

Failure Notification

After retries, if still no success, you're notified of the failure.

Developer-Friendly

We provide all the resources you need to integrate SecPaid quickly and efficiently into your applications.

API Documentation

Explore our comprehensive API reference, covering all endpoints, request/response formats, and authentication methods.

Learn More
Zapier Integration

Automate your workflows by connecting SecPaid with thousands of apps using Zapier. No coding required!

Learn More
How-to Guides

Step-by-step tutorials and practical examples to help you implement common payment scenarios and advanced features.

Learn More

Security You Can Trust

At SecPaid, security is our top priority. We implement stringent measures to protect your data and transactions.

Robust Encryption

All data is encrypted at rest and in transit using industry-leading standards to protect sensitive information.

Fraud Prevention

Advanced fraud detection systems and machine learning algorithms actively monitor transactions to prevent fraudulent activities.

German Data Hosting & GDPR Compliance

Your data is securely hosted in Germany, ensuring compliance with strict GDPR regulations and maximum data privacy.

German Flag

Your Command Center.
The SecPaid WebApp.

Administer your payments, manage refunds, handle disputes, and set your API keys with ease. The SecPaid WebApp provides a powerful, intuitive interface for complete control over your payment operations.

console.dev.secpaid.com/dashboard
SecPaid WebApp Dashboard

Transparency and Compliance at SecPaid

SecPaid stands for technical excellence, vendor-independent neutrality, and high standards in data protection and legal compliance. On this page, we explain in clear terms how our payment orchestration software works, what role we play in the financial ecosystem, and how we ensure compliance with relevant legal and regulatory requirements.

Our Role in the Financial and Payment Ecosystem

SecPaid is a Software-as-a-Service (SaaS) solution for the technical orchestration, routing, and management of digital payment transactions (Payment Orchestration Layer, POL).

Our software connects merchants, e-commerce platforms, and businesses through a central interface with various payment service providers (PSPs), acquirers, and fraud prevention systems.

SecPaid itself does not provide banking, payment, or funds transfer services. Authorization, settlement, and custody of funds are handled exclusively by the payment providers and acquirers connected by the merchant and licensed accordingly.

Technical Infrastructure and Neutrality

As independent service software, we provide a highly available technical infrastructure that enables in particular the following:

  • Secure transmission and routing of payment signals between shop systems, payment service providers, and risk tools.
  • Neutral orchestration, where only the merchant decides which payment service providers, acquirers, or payment methods are activated.
  • Transparent control of routing rules and provider preferences by the respective company.

SecPaid never independently influences the selection of payment service providers in order to gain its own commercial advantages.

Data Security, PCI-DSS, and GDPR Compliance

Protecting financial data and personal information is SecPaid's top priority.

  • PCI-DSS Level 1: Our infrastructure meets high security requirements for handling credit card data.
  • Tokenization and encryption: Sensitive payment data is tokenized and end-to-end encrypted when stored and transmitted. This reduces the PCI scope on the merchant side.
  • GDPR and PSD2: All data processing is carried out in accordance with the General Data Protection Regulation (GDPR) and PSD2 requirements, including Strong Customer Authentication (SCA) and 3D Secure.

Compensation and Neutrality Principles

Compensation for using SecPaid is transparent and purely software-based: a fee for providing, maintaining, and scaling the technical infrastructure.

  • No hidden margins: There are no concealed markups on interchange or processing fees of the connected payment providers.
  • Independence from commissions: There are no performance-based or commercially steering compensation agreements with third-party providers that influence transaction routing.

How Payment Orchestration Works

A Payment Orchestration Layer is a software layer that connects multiple payment service providers, acquirers, gateways, and fraud prevention tools through a single API.

Instead of integrating each provider separately, the merchant uses a central technical layer. The platform routes transactions through the selected payment provider, supports payment reconciliation, and enables analysis of transaction data.

This brings the following advantages in particular:

  • Simplified checkout processes by combining multiple payment service providers on one platform.
  • Greater operational efficiency through automation of routing, reconciliation, and reporting.
  • Higher transaction success rates through flexible selection of reliable payment routes.
  • A better customer experience through faster and more reliable payments.
  • Greater scalability, as new payment service providers or markets can be connected more easily.
  • Stronger fraud prevention through centralized analysis and security features.
  • Data-driven insights for decisions on pricing, marketing, and overall strategy.
  • Greater business continuity through redundancy if individual payment service providers fail.
  • Faster rollout of new payment methods and market expansions.
  • A clear competitive advantage through an intuitive, secure, and convenient payment experience.
Comparison: without and with Payment Orchestration

Ready to Transform Your Payments?

Join the growing number of businesses simplifying their financial operations with SecPaid. Get started today!