Portmone

Portmone Overview

Portmone is a Ukraine based payment service provider that offers internet acquiring and related tools for online businesses. Merchants can accept card payments through a hosted payment page and APIs, add Apple Pay and Google Pay, issue payment links and QR codes, and manage transactions in a merchant dashboard. Portmone positions its solutions for eCommerce, subscriptions, utilities and other verticals, and supports onboarding without a site via invoicing tools.

Key Capabilities For Merchants

• Hosted Payment Page and UI Options. Portmone provides a web checkout that can be embedded or linked. The payment page can be styled to match a merchant’s brand, and payment methods can be configured per business needs.

• Payment Links and QR Codes. Merchants can generate links or QR codes to collect payments in social channels, messengers or offline points.

• Preauthorization Holds. Funds can be held on a customer card for up to 7 days before capture or cancellation, which is useful for fulfillment workflows and refunds.

• Recurring Billing and Autopay. Repeat payments are supported so customers can set a charge cadence for regular bills.

• Mass Invoicing. Up to 100 invoices can be issued in a few clicks to streamline batch billing.

• Merchant Dashboard. Real time monitoring, payment history, reporting and export are available through the portal. Fiscalization of receipts for Ukrainian tax reporting is also supported.

Payment Methods And Channels

Portmone’s checkout supports Visa and Mastercard cards, the domestic PROSTIR scheme, plus Apple Pay and Google Pay. Merchants can add Apple Pay and Google Pay either by showing wallet buttons on the Portmone payment page or by integrating against wallet APIs with Portmone as the payment gateway.

Pricing And Fees

Public pricing varies by use case, with indicative rates shown on Portmone’s site:

• eCommerce acquiring: 2% per successful card transaction and 1% for BankPay, collected from the company.

• Invoice without a contract: 2.5% per card payment, collected from the buyer.

Connection is free, and the commission is taken per successful transaction. Tariffs differ by vertical and may be negotiated at higher volumes.

Settlement Timing And Limits

According to Portmone’s eCommerce information, funds are credited on the next business day, and no later than the third business day. If operating without a contract, default limits apply to daily amount and operation counts per card. Acceptance of foreign issued cards and specific limits are set individually under a contract.

Onboarding

Estimated onboarding time is 3 to 10 business days, depending on the readiness of the merchant’s resource. Portmone lists quick onboarding support by an integration manager to help complete the process.

Developer Integration Options

Checkout Integration Patterns

Portmone documents multiple integration routes:

• Hosted payment page that can be connected via API, iframe or a payment button.

• Wallet integrations for Google Pay and Apple Pay either on the Portmone page or through wallet APIs with Portmone as gateway.

• PortmoneDirect for bill presentment and payments over REST with TLS 1.2.

Plugins And SDKs

• CMS modules are available for popular platforms, including WooCommerce, OpenCart, PrestaShop, Joomla VirtueMart and Magento.

• Mobile SDKs are provided for iOS and Android, supporting card payments, tokenization, and wallet flows. On iOS, the SDK exposes parameters that include payment currency selection.

API And Security Features

• Host to Host API is offered for PCI DSS certified merchants. It uses client side encryption that reduces PCI DSS scope on the merchant side, exchanges over HTTPS, and supports both XML and JSON notifications.

• 3-D Secure is supported, with ACS redirects and completion steps described in the documentation.

• Preauthorization and tokenization are available through the API for holds and repeat payments.

Currencies

The iOS SDK lists currency options in parameters that include UAH as default, with USD, EUR, GBP, BYN and KZT available. The Google Pay method documentation also notes currency handling with similar options. Validate availability per your account configuration.

Merchant Operations

Dashboard And Reporting

The merchant portal provides real time monitoring of incoming payments, analytics, history and report export. It also supports issuing invoices and generating payment links and QR codes from the same interface.

Refunds

The eCommerce page highlights refunds without commission, which can support customer friendly return policies. Confirm eligibility and any operational constraints during onboarding.

Fiscalization

For Ukrainian merchants, Portmone indicates support for PRRO integration to fiscalize receipts and automate reporting to the State Tax Service.

Risk, Compliance And Security

Portmone states that it was the first company in Ukraine to pass a PCI DSS security audit and that its security level is confirmed by a certificate from SRC. In addition, the product uses 3-D Secure for cardholder authentication where required, and client side encryption in specific API flows.

Use Cases And Industries

The business site lists applicability for eCommerce, transport and ticketing, insurance, education, banks and financial institutions, utilities and service providers, HoReCa, charities and public sector payments. The combination of hosted checkout, payment links, autopay, mass invoicing, and POS adjacent QR scenarios makes Portmone suitable for online first and omnichannel merchants that need local coverage in Ukraine with card and wallet acceptance.

Conclusion

Portmone provides a Ukraine focused acquiring solution with a hosted checkout, API options for PCI DSS certified merchants, wallet acceptance, and a dashboard that covers invoicing, links, reporting and fiscalization. Pricing is transparent on the site for core scenarios and varies by vertical, with free connection and commission per successful transaction. Settlement timing is documented as next business day, and no later than the third business day. For teams that want a local gateway with wallet coverage and practical invoicing or QR tools, Portmone offers an established stack with documented integrations and plugins.