Build on the universal standard

One integration. Seven payment initiation methods. Global reach.

Develop with payware's fully documented APIs and tools. Create payment experiences that work everywhere, for everyone, instantly.

Access Documentation Try the Sandbox

payware developer API code integration tools and SDKs

What's the easiest payment API to integrate?

payware is built by developers, for developers. Our neutral universal standard means you write once and deploy everywhere. Your code creates exponential value across the entire network.

Why Developers Choose payware

Elegant Simplicity

Clean APIs, Clear Documentation

RESTful APIs with comprehensive documentation. SDKs in all major languages. Example code that actually works. Integration measured in hours, not weeks.

Ship faster with confidence

True Interoperability

Write Once, Connect Everywhere

One integration connects to every institution and merchant in the network. No version conflicts, no bilateral testing, no compatibility nightmares.

Universal compatibility guaranteed

Innovation Platform

Build the Future of Payments

Access all 7 payment initiation methods through unified APIs. Combine methods, create new experiences, push boundaries. Your innovation benefits millions.

Unlimited creative potential

Production-Ready Infrastructure

Scale Without Limits

Built on proven, globally distributed infrastructure. Handle millions of transactions. 99.99% uptime SLA. Bank-grade security built-in.

Enterprise reliability from day one

Technical Resources

Quick Start Guide

Go from zero to first transaction in 30 minutes

API Reference

Complete endpoint documentation with examples

SDKs

Python, JavaScript, Java, C#, Go, Ruby, PHP

Sandbox Environment

Full-featured testing with realistic scenarios

Payment Method APIs

Unified interface for all 7 payment initiation methods

Unified interface for all methods

Method-specific optimizations

Webhook notifications

Real-time transaction status

Comprehensive error handling

Transaction analytics API

Simple, Elegant Code

// Initialize payment with QR code
const payment = await payware.initiate({
  method: 'qr',
  amount: 49.99,
  currency: 'EUR',
  merchant_id: 'your_merchant_id'
});

// Returns QR code data
console.log(payment.qr_code_url);

// Listen for payment completion
payment.on('completed', (data) => {
  console.log('Payment successful!', data);
});

Start Building Today

AI-Native Integration

Transform payment integration from code-first to AI-first with Model Context Protocol

Model Context Protocol (MCP)

payware is the first payment platform with native MCP support, enabling AI assistants to operate payment services through natural language commands.

Transform integration from weeks of coding to minutes of conversation. Your AI assistant becomes your payment operations partner.

View Documentation on GitHub

> "Create a test payment for €25.50"

✅ Transaction created!
ID: pw123abc...
Status: ACTIVE
Amount: €25.50

> "Generate Spring Boot integration"

✅ Complete code ready with:
- JWT authentication
- Error handling
- Transaction validation

Natural Language Operations

Execute payment operations through conversational commands - no manual API calls required

10x Faster Prototyping

Go from concept to working integration in minutes instead of weeks with AI-generated code

Living Documentation

AI demonstrates actual API behavior with fresh, validated examples generated on-demand

Multi-Framework Support

Generate integration code for Django, FastAPI, Express, NestJS, Laravel, Spring Boot, ASP.NET, and more

Intelligent Automation

AI orchestrates multi-step workflows with context-aware error handling and debugging

Compatible with Major AI Assistants

Works with Claude, ChatGPT, and other AI platforms supporting Model Context Protocol

View on GitHub Install from npm Try in Sandbox

Support

Tech Talks

Regular workshops and webinars

Open Source

Contributions welcome on GitHub

Core Team Access

Direct support from developers

Frequently Asked Questions

How long does it take to integrate payware API?

Most developers complete basic integration in 30 minutes to 2 hours. The unified API design means you integrate once and get access to all 7 payment initiation methods immediately. No need for separate integrations per payment method.

Which programming languages are supported?

payware provides official SDKs for Python, JavaScript/TypeScript, Java, C#, Go, Ruby, and PHP. The RESTful API also works with any language that can make HTTP requests, so you're not limited to official SDKs.

What is Model Context Protocol (MCP) integration?

payware is the first payment platform with native MCP support, allowing AI assistants like Claude to operate payment services through natural language. You can use AI to generate integration code, create test transactions, and automate payment workflows conversationally.

Do I need different API calls for each payment method?

No, all 7 payment initiation methods (QR, NFC, BLE, text, link, barcode, soundbite) use the same unified API. You specify the method parameter, and payware handles the rest. This makes it trivial to offer multiple payment options to your users.

Is there a sandbox environment for testing?

Yes, payware provides a full-featured sandbox environment with realistic test scenarios. You can test all payment methods, webhook delivery, error conditions, and edge cases without processing real transactions or incurring fees.

How do webhooks work for payment status updates?

payware sends real-time webhook notifications to your configured endpoint for all payment lifecycle events. Webhooks include full transaction details and are signed for security verification.

What happens if my API integration breaks compatibility?

payware maintains API versioning and guarantees backward compatibility. We never make breaking changes to existing API versions. When new features are added, they're opt-in through version headers, so your integration continues working indefinitely.

Where can I find API documentation and code examples?

Complete API documentation is available at kb.payware.eu with interactive examples, code snippets in all supported languages, and detailed endpoint references. Each SDK also includes inline documentation and example projects. Our GitHub repository contains open-source sample applications demonstrating real-world integrations.

How do I get API credentials for development?

Register for a free developer account at my.payware.eu. You'll instantly receive sandbox API keys for testing. When ready for production, complete the verification process to receive production credentials. Sandbox and production environments are completely isolated for safe development.

What are the API rate limits?

payware does not impose general API rate limits. The only endpoint with throttling is /transactions-history/{transactionId}, which may return HTTP 429 (Too Many Requests) under high load. When calling this endpoint, implement proper error handling for 429 responses with exponential backoff retry logic to ensure reliable transaction status polling.

How do I handle errors in the API?

payware uses standard HTTP status codes and returns detailed error objects with error codes, human-readable messages, and troubleshooting hints. All errors are documented in our API reference with recommended handling strategies. The SDKs include built-in error handling with typed exceptions for easy debugging.

Can I use payware API for mobile apps?

The payware API is designed for server-to-server communication and works best when called from your backend services. This architecture ensures secure API credential management, enables proper transaction validation, and provides optimal performance. For mobile apps, your backend acts as the integration point—handling payment initiation while your app focuses on user experience. This separation follows industry best practices and keeps your API keys secure.