HiPay
HiPay: An Overview For Merchants
Choosing a payment service provider affects conversion, fraud exposure, operations, and expansion plans. This overview explains what HiPay offers, how it integrates, and where it fits.
What Is HiPay?
HiPay is a full-service PSP that provides a single platform for accepting online, in-app, and in-store payments, with options for marketplaces and distance selling. Its offer spans checkout options (hosted page, hosted fields, iFrame), a management console for operations and analytics, built-in fraud tooling, and connectors for major commerce platforms. HiPay emphasizes international reach with a catalog of local and alternative payment methods, multi-currency support, and unified commerce features across channels.
Key Capabilities For Merchants
Online Payments
HiPay supports web and mobile checkouts with multiple integration modes:
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Hosted Payment Page (Hpayment) to redirect customers to a secure, customizable page.
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Hosted Fields to collect card data within your UI while offloading sensitive fields to HiPay.
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Order API for server-to-server transactions when you control your checkout experience.
Each path is documented in the developer portal with live API explorers and SDKs.
Unified Commerce (Online To In-Store)
HiPay provides point-of-sale capabilities and APIs so you can centralize reporting and reconciliation across ecommerce and store environments. The same platform is used to monitor KPIs and manage transactions irrespective of channel.
Marketplace Payments
HiPay offers an end-to-end marketplace solution that covers cash-in and cash-out, KYC flows, escrow management, and regulatory support. It is designed to help operators split funds and onboard sellers within a PSD2-compliant framework.
Payment Management Console
The HiPay Console is the back-office used for day-to-day operations:
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Real-time monitoring and dashboards with configurable widgets.
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Transaction management (capture, refund, cancel).
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Payment links for pay-by-link and MOTO use cases.
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Reporting, exports, and alerting.
Payment Methods And Coverage
Cards And Local Methods
HiPay aggregates a wide catalog of payment methods through a single contract and integration. Beyond international card schemes, merchants can enable local methods such as Bancontact, iDEAL, SEPA Direct Debit, and buy-now-pay-later options like Klarna. The catalog is organized by region and type (card, wallet, real-time banking, vouchers, installments).
Digital Wallets
HiPay supports popular wallets. Case studies and product pages highlight Apple Pay and Google Pay availability for eligible merchants and geographies, alongside PayPal and others where applicable. Availability depends on your region and integration.
Currencies And Countries
The platform supports more than 150 currencies and coverage in 85+ countries, enabling cross-border expansion with localized methods and settlement options aligned to target markets.
Integration Options
APIs And Developer Tooling
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Gateway API (v3) for creating and managing transactions.
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Hpayment API for hosted payment pages.
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Maintenance APIs for post-authorization operations (capture, refund).
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Webhooks/notifications and signature verification for reliable payment state handling.
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Security guidance on PCI scope, TLS, tokenization, and best practices.
SDKs
Official SDKs are available, including PHP and Node.js, to accelerate integration with typed request objects and helpers.
Commerce Platform Connectors
HiPay maintains modules for major commerce platforms, such as Magento 2 (Adobe Commerce), PrestaShop, and Shopify. Connectors expose hosted page or hosted fields flows, support partial captures and refunds (where applicable), and align with each CMS’s admin UX.
Salesforce Commerce Cloud And Partner Ecosystem
HiPay also promotes an integration for Salesforce Commerce Cloud and partners with marketplace enablers (e.g., Mirakl, Izberg). The broader ecosystem covers cash register software, terminals, and services to tailor omnichannel deployments.
Risk Management And Compliance
HiPay Sentinel (Fraud Management)
HiPay’s fraud engine, HiPay Sentinel, performs transaction risk analysis in real time, assigning risk levels and enabling rule-based decisions. Merchants can customize up to dozens of filters, leverage device fingerprinting, and apply exemptions under PSD2 to keep low-risk flows frictionless. HiPay’s risk team provides ongoing tuning, monitoring KPIs like fraud and chargeback rates and recommending adjustments.
PSD2 And 3-D Secure 2
HiPay provides guidance on PSD2 Strong Customer Authentication and supports 3-D Secure 2 to meet European authentication requirements while minimizing unnecessary friction through exemptions where permitted.
PCI DSS
HiPay states it is PCI DSS Level 1 certified. When you use hosted options or tokenization, you can shift most card-data handling out of your environment, but you remain responsible for your own PCI obligations. HiPay provides security recommendations, cryptographic policy updates, and documentation to help you implement securely.
Recurring Payments, One-Click, And Pay-By-Link
For subscription or repeat billing models, HiPay supports recurring and one-click payments using stored tokens. Documentation describes how to obtain consent on the hosted page, save tokens, and trigger subsequent charges. Method support varies by scheme (for example, certain debit products may not allow tokenized recurring). For remote collection, E-Terminal (Pay-by-Link / MOTO) lets you send secure links or key card data in a compliant interface for telephone orders.
Reporting, Reconciliation, And Analytics
The Console centralizes transaction data and exports, with configurable reports and automated delivery schedules. HiPay also promotes HiPay Intelligence, a data tool for exploring transaction lifecycles, conversion, and fraud trends so teams can diagnose issues and optimize rules and checkouts.
Best-Fit Profiles
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Retailers selling across Europe who need local methods, unified reporting for ecommerce and POS, and PSD2-aligned flows.
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Marketplaces requiring cash-in/cash-out, seller onboarding, and legal scaffolding.
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Subscription or digital businesses using tokenization and recurring payments with clear PSD2 handling.
HiPay: Frequently Asked Questions (FAQs)
What is HiPay?
HiPay is a payment service provider offering a single platform for online, in-app, and in-store payments, plus marketplace and distance selling use cases.
Which integration options does HiPay provide?
HiPay offers a Hosted Payment Page, Hosted Fields, and server-to-server APIs with webhooks so you can choose between a fast redirect setup or a fully controlled checkout.
Does HiPay support 3-D Secure 2 and PSD2 SCA?
Yes. HiPay supports 3-D Secure 2 and provides guidance on PSD2 Strong Customer Authentication, including exemption handling where permitted.
What fraud management tools are available?
HiPay Sentinel provides real-time risk analysis with configurable rules, device fingerprinting, and monitoring to help manage fraud and chargebacks.
Does HiPay support marketplace payments?
Yes. HiPay includes marketplace features for seller onboarding and KYC, split payments, escrow, and cash-in and cash-out under a PSD2-compliant framework.
Which payment methods and wallets can I accept with HiPay?
HiPay aggregates card schemes and local methods like Bancontact and iDEAL, and supports wallets such as Apple Pay and Google Pay depending on region and eligibility.
Does HiPay offer recurring and one-click payments?
Yes. HiPay supports tokenization for recurring and one-click payments, with consent captured on hosted pages and subsequent charges made via API.
Does HiPay provide pay by link or MOTO?
Yes. The E-Terminal feature supports pay-by-link and mail order and telephone order so you can collect remote payments securely.
What reporting and analytics are included?
The Console centralizes transaction management, exports, and dashboards, and HiPay Intelligence helps analyze conversion and risk KPIs.
Which commerce platforms have official HiPay modules?
HiPay provides modules for Magento 2, PrestaShop, and Shopify.
Does HiPay support unified commerce and POS?
Yes. HiPay provides point-of-sale capabilities and unified reporting so you can manage ecommerce and store payments on the same platform.
How does HiPay help with PCI compliance?
HiPay is PCI DSS Level 1 certified. Using hosted pages, hosted fields, and tokenization can reduce your PCI scope, but you are responsible for your own compliance.
Which countries and currencies does HiPay support?
HiPay states coverage in more than 85 countries and support for over 150 currencies. Availability depends on your contract and configuration.
How do I get started with HiPay?
Decide your target countries and methods, select an integration mode, align fraud rules with risk tolerance, and test using the official SDKs and CMS modules.