2C2P

Introduction to 2C2P

2C2P is a payment service provider that focuses on enabling businesses to accept digital payments across Southeast Asia and beyond. The 2C2P payment gateway allows online merchants to process credit and debit cards as well as a wide range of alternative payment methods through website or mobile application integrations. It is used by many fast growing enterprises that operate across multiple markets and need local payment options with a single connection.

The platform is designed for merchants that want to consolidate acquiring, alternative payments and value added services into one gateway rather than managing multiple local integrations country by country.

2C2P Payment Gateway Overview

2C2P provides a payment gateway that supports card payments, digital wallets and a variety of alternative payment methods. The gateway can be integrated into ecommerce sites and mobile applications, giving merchants flexibility in how customers complete their transactions.

From a high level, the gateway offers:

• Card payments with major international schemes

• Digital wallet payments and card scheme wallets

• Internet and mobile banking options in supported markets

• QR payments and offline channels such as pay at counter or self service machines

• Hosted payment pages and direct server to server integrations

These capabilities give merchants a single platform to handle both domestic and cross border payment scenarios in Asia and other supported regions.

Supported Payment Methods

The payment gateway supports a broad set of methods grouped into several categories:

• Card payments

  • Visa

  • Mastercard

  • American Express

  • JCB

  • UnionPay

  • Diners Club

  • Discover

• Digital wallets and card scheme wallets

  • Alipay

  • Apple Pay

  • Google Pay

  • Line Pay

  • Samsung Pay

  • WeChat Pay

• Alternative payment methods

  • Web payment and internet banking options for local banks in supported countries

  • QR payments for various national and scheme based QR programs

  • Pay at counter and self service machines where customers complete payment offline but the transaction is reconciled through the gateway

The exact set of enabled methods depends on the merchant configuration and market, but the technical documentation shows that the gateway is built to handle a multi method, multi market portfolio.

Channels and Use Cases

The 2C2P payment gateway is designed primarily for:

• Online card and alternative payments through desktop and mobile web

• In app payments via mobile SDKs on iOS, Android and other supported frameworks

• QR based payments where customers scan a code to complete payment with their preferred method

• Offline initiated payments such as pay at counter, where reference numbers are generated online and settled through physical locations or machines

This makes the gateway suitable for ecommerce, travel, online marketplaces, on demand services and other digital business models that require a mix of online and local payment rails.

Security and Compliance

Security is positioned as a core element of the gateway:

• 2C2P is certified as a PCI DSS Level 1 service provider covering internet and ecommerce payments, QR code payments, prepaid card processing and payment gateway or switch services.

• Cardholder data is protected with data encryption for merchant integrations through SecurePay and related tooling.

• The gateway supports 3D Secure for card payments, adding authentication on the cardholder side and helping reduce fraud and chargeback exposure.

These controls allow merchants to offload a significant portion of card security responsibilities to a provider that is audited against the relevant industry standards.

Features for Merchants

Tokenization, Recurring Billing and Installments

The payment gateway includes multiple capabilities that matter for recurring or higher value customer relationships:

• Customer tokenization so merchants can store payment tokens instead of raw card data.

• Payments with customer tokens, enabling one click or stored card experiences on future purchases.

• Recurring Payment Plan (RPP) support for subscription or scheduled billing scenarios.

• Installment Payment Plan (IPP) and related APIs for card installment programs where available.

• Card loyalty point payment functions for schemes that support paying with points instead of or alongside currency.

These features help merchants build subscription models, encourage repeat purchases and support issuer or card scheme installment offers where they are popular.

Alternative and Local Payments

Alternative payment methods are a focus area:

• Internet and mobile banking payments where customers authenticate directly with their banks.

• Web payment flows for bank based transfers and local online banking schemes.

• QR payment flows where the gateway generates or processes QR codes aligned with local standards.

• Pay at counter and self service machine payments that allow customers to complete payment in cash or via local instruments while still reconciling through the gateway.

For Southeast Asian markets, where local wallets and bank based payments are widely used, this breadth of options can be relevant for improving checkout conversion and serving customers who do not primarily pay with cards.

Reporting and Reconciliation

The gateway offers APIs and tools to support reconciliation and settlement:

• Payment inquiry and transaction status inquiry APIs allow systems to check the latest status of transactions programmatically.

• Refund, void and settle payment APIs are available for post authorization operations.

• Foreign exchange rate inquiry and exchange rate with token APIs support multi currency setups and visibility into applied rates.

• Reconciliation report services in the batch or maintenance APIs help merchants align their records with gateway settlement files.

Combined with the merchant portal, these tools give finance and operations teams the ability to control the payment lifecycle and match gateway records with internal ledgers.

Developer Experience and Integration

The 2C2P payment gateway is built with several integration patterns:

• Redirect integration using a hosted payment page that handles sensitive payment input and supports iframe usage when needed.

• Direct server to server integration for merchants that want to control the user interface and handle more of the flow in their own application.

• Support for secure fields and a JavaScript library that help reduce PCI scope by handling card data in a controlled way.

Developer tooling includes:

• REST style payment APIs for token creation, payment execution, status inquiry and payment maintenance.

• Customer token, card token information and loyalty point information APIs for advanced payment experiences.

• Mobile SDKs for iOS, Android and cross platform frameworks such as Flutter and React Native.

• Shopping cart plugins for platforms such as WooCommerce, Magento, PrestaShop, OpenCart, ZenCart, osCommerce, UberCart, VirtueMart, Shopify and X Cart.

There is also a merchant portal where businesses can manage keys, upload public keys, configure notification URLs and adapt certain aspects of their integration without code changes.

Why Merchants Use 2C2P Payment Gateway

Merchants typically consider 2C2P when they:

• Operate or plan to expand in Southeast Asia and need strong coverage of local bank channels, QR schemes and wallets in addition to cards.

• Want to consolidate multiple local payment methods into a single gateway integration that can be reused across countries.

• Require enterprise grade features such as recurring billing, installments, tokenization and loyalty point payments.

• Need connectivity for both online and selected offline channels, such as pay at counter and self service machines.

Because the platform is designed as a full suite solution, it is often positioned for mid sized and larger businesses that expect significant payment volumes or need to support multiple markets through one provider.

Conclusion

2C2P provides a payment gateway that combines card acquiring, digital wallets, internet banking, QR payments and offline channels into a single integration focused on Southeast Asia and connected regions. The gateway is built for online and in app use cases, supports major international and regional payment methods, and includes capabilities such as tokenization, recurring billing, installments and loyalty point payments.

Security is supported by PCI DSS Level 1 certification, 3D Secure for cardholder authentication and encryption based integration models. Merchants can work with APIs, hosted payment pages, mobile SDKs and prebuilt plugins to connect their sites and applications to the platform. Reporting, reconciliation and exchange rate tools help finance and operations teams manage settlement and accounting.

For merchants that need to serve multiple Asian markets with local payment preferences while maintaining an enterprise ready integration and security posture, the 2C2P payment gateway offers a structured and feature rich option that can be aligned with a variety of digital business models.