Solidgate

What Is Solidgate

Solidgate is a payment processing and orchestration platform that helps online businesses accept cards, digital wallets, and alternative payment methods, manage subscriptions, and centralize reporting. Merchants can connect through a unified API, hosted checkout, or link-based flows, then monitor operations in a merchant dashboard called HUB. Solidgate emphasizes global coverage, hundreds of alternative payment methods, and integration paths for both low-code and fully custom implementations.

Key Capabilities For Online Payments

Cards And Digital Wallets

Solidgate processes card payments with support for 3D Secure and tokenization. For wallets, there are native integrations and implementation guides for Apple Pay and Google Pay, including H2H options when a merchant needs to decrypt tokens on the server and hosted flows when Solidgate handles sensitive steps. The documentation explains specific behaviors such as DPAN last-four in Apple Pay and the automatic application of 3D Secure for Google Pay PAN_ONLY transactions to enable liability shift.

Alternative Payment Methods

Solidgate exposes over 100 alternative payment methods through a single integration, with availability controlled by country and currency. Examples in the documentation include Pay by Bank in selected European markets, iDEAL in the Netherlands, PSE in Colombia, and PayPal. APMs can be initiated via API, Payment Page, or Payment Link, and managed with refunds, tracking, and automation in HUB.

Hosted Checkout Options: Payment Page And Payment Links

Two no- or low-code checkout options are available:

• Payment Page is a Solidgate-hosted page that merchants can redirect to or share by URL. It supports branding, locale detection, wallet buttons, APM selection based on the shopper’s context, and a QR option for large-screen or smart TV flows. Links expire after 24 hours by default and can be deactivated.

• Payment Link generates reusable or single-use URLs for quick collections without a site integration. Payment Links support customizable amounts, retry on decline, and tracking via a traffic_source parameter. Both Payment Page and Payment Link can be configured through API or via HUB.

Embedded Payment Form And SDKs

For an on-site experience, the Payment Form embeds in your checkout and supports extensive customization, events for tracking user interactions, and region-specific extra fields. Solidgate provides SDKs for front-end frameworks (React, Vue, Angular) and back-end languages (PHP, Node.js, Go, Kotlin, Python) to accelerate implementation.

Subscriptions And Billing

Solidgate includes a subscription engine to define products, prices, billing cycles, and renewal behavior. Merchants can create subscriptions via hosted checkout or directly through Card and APM APIs. The platform supports token updates for changing payment methods without interrupting service, zero-amount authorization for credential-on-file capture, and a customer billing portal where subscribers can manage plans and payment methods.

Smart Retries And Retry Strategies

Revenue recovery is handled in two ways:

• Smart retries select the next attempt time dynamically using factors like decline type, pricing, billing cadence, customer behavior, and region.

• Retry strategies apply predefined intervals during a redemption period after an initial failure.

Subscription events in the API and webhooks indicate when a renewal is scheduled for retry, when a retry occurs, and when status transitions to active or cancelled.

Billing Portal And Payment Method Updates

When enabled, a billing portal allows customers to update, pause, or cancel subscriptions and replace payment methods. For recurring charges, merchants can trigger a token update flow via hosted components or API to keep credentials current and reduce involuntary churn.

Payment Orchestration And Routing

Solidgate provides an orchestration layer that connects to multiple acquirers and providers and applies smart routing. The engine chooses an initial route based on payment attributes such as country, BIN, amount, and real-time performance, then cascades to another provider if an attempt fails. Orchestration features also include analytics to compare routes and outcomes. Solidgate’s resources describe orchestration benefits such as failover protection, centralized reconciliation, and faster go-to-market when adding new providers and methods.

Risk, 3D Secure, And Chargeback Management

Solidgate supports 3D Secure for card transactions, including guidance for forcing 3DS when required. Risk management combines:

• Prevention alerts that notify on likely disputes so a merchant can act before a chargeback. Alerts are exposed in HUB and via API, with reports and webhooks for automation.

• Fraud analysis with reason codes, investigation steps, and optimization guidance.

• Chargeback tooling and checklists that outline stages, reason codes, and recommended responses.

For Google Pay transactions with the PAN_ONLY data type, the integration enforces 3DS automatically to help shift liability. Documentation also covers AVS, CVV, and ECI values for troubleshooting and risk reduction.

Reporting, Reconciliation, And Payouts

HUB includes granular reporting and downloadable exports to support finance, reconciliation, and audits:

• Financial reports such as monthly statements, settlements, and financial entries, with amounts presented in minor and major units.

• Commissions documentation that outlines fee categories tied to transaction actions, dispute types, and payment methods.

• Operational reports including card orders, APM orders, subscriptions, prevention alerts, and PayPal dispute insights.

Payouts and settlements are traceable, and the Merchant Services Agreement notes that the payout period is defined in a schedule. Documentation highlights country-specific nuances (for example, refund timing for certain U.S. merchant IDs on non-U.S. cards) and explains supported currencies, which exceed 100 following ISO 4217.

Security And Compliance

Solidgate states that it is a PCI DSS Level 1 certified payment service provider. Documentation provides PCI guidance for merchants, including levels, SAQs, ASV scans, and ROC requirements. For cardholder data security, Solidgate implements tokenization and network tokens via Visa Token Service and Mastercard MDES. Apple Pay and Google Pay integrations rely on device authentication and tokenization, with options for Solidgate to handle token decryption for non-PCI merchants.

Implementation Options And Developer Experience

Integration can start with a hosted page or link, then expand to embedded forms or server-side APIs:

• Access to API covers credential issuance with api_pk_ and api_sk_ keys, request signing, webhook validation, and sandbox testing.

• Webhooks notify systems about payment, subscription, and dispute events.

• Testing guides include error simulation with specific amounts and currencies, plus webhook testing with wh_pk_ and wh_sk_ keys.

• Payment insights expose lifecycle events, error codes, and ARNs for operational debugging.

Merchants without PCI certification can rely on hosted components for card data capture. PCI-certified merchants can use direct APIs, payment without CVV in supported flows, and advanced features like zero-amount authorization.

Ideal Use Cases

• Subscription and SaaS businesses that need retries, token updates, and a self-service billing portal.

• Cross-border and multi-provider setups that benefit from orchestration, smart routing, and cascading across acquirers.

• Mobile and app-centric checkouts that require Apple Pay and Google Pay with clear liability-shift handling.

• Merchants expanding APM coverage who prefer a single integration to add localized payment methods by market.

Conclusion

Solidgate provides a broad payment stack for cards, wallets, and APMs, with orchestration to improve approval rates and minimize downtime, a subscription engine with smart retries to reduce churn, and finance-grade reporting for reconciliation and audits. Security measures include PCI DSS Level 1, 3D Secure, and network tokenization. Integration paths range from hosted pages and links to embedded forms and direct APIs, supported by SDKs and webhooks.