Online Payments Overview
Build secure, scalable payment solutions with CyoGate's comprehensive online payments platform. Whether you're creating a custom checkout experience or need a quick-to-deploy solution, our flexible tools and APIs adapt to your business needs.
No development required. Secure, PCI-compliant payment pages hosted entirely on CyoGate's servers.
Low-code solution with extensive customization. Embedded iframes keep sensitive data secure.
Full API control for tailored experiences. Build exactly what your business needs.
Choose Your Integration Path
Quick Start (Hosted)
Perfect for: Getting started quickly without development overhead.
CyoGate's hosted checkout pages provide immediate payment acceptance with zero development effort. All payment processing happens on CyoGate servers, ensuring your environment never touches sensitive payment data.
Benefits:
- No PCI compliance burden
- Built-in security and fraud protection
- Mobile-optimized experience
- Launch in minutes, not weeks
Get Started with Hosted Checkout →
Embedded (Components)
Perfect for: A branded checkout experience without leaving your site.
Embed CyoGate's Payment Component directly into your checkout page. Customers never leave your site, and sensitive card data is captured inside secure iframes — keeping you out of PCI scope.
Benefits:
- Customers stay on your site throughout checkout
- Fully customizable styling via the Appearance API
- Built-in card type detection and surcharging support
- Apple Pay and Google Pay with minimal configuration
Get Started with Payment Components →
Full Control (Custom API)
Perfect for: Complete control over every aspect of the payment experience.
Use Collect.js to tokenize card data on the frontend, then call the CyoGate API directly from your server. Build any checkout flow while maintaining PCI compliance.
Benefits:
- Total UX control — design any checkout experience
- Support for all transaction types: sale, auth, capture, void, refund
- Full Customer Vault and recurring billing access
- Digital wallet support (Apple Pay, Google Pay)
Payment Methods & Capabilities
Payment Methods
| Method | Details |
|---|---|
| Credit Cards | Visa, Mastercard, American Express, Discover, JCB, Diners Club |
| Debit Cards | All major debit card networks |
| ACH / eCheck | Direct bank account debits for US customers |
| Apple Pay | Via Collect.js or Payment Component (HTTPS required) |
| Google Pay | Via Collect.js or Payment Component |
| Recurring Billing | Subscription and installment payment plans |
| Customer Vault | Stored credentials for one-click and repeat billing |
Transaction Types
| Type | Parameter | Description |
|---|---|---|
| Sale | type=sale | Authorize and capture immediately |
| Authorization | type=auth | Authorize only — capture later |
| Capture | type=capture | Capture a previous authorization |
| Void | type=void | Cancel an unsettled transaction |
| Refund | type=refund | Refund a settled transaction |
| Credit | type=credit | Push funds to a card (account funding) |
Ready to Get Started?
- New to CyoGate? Start with Hosted Checkout — live in minutes.
- Need a branded experience? Try the Payment Component.
- Building something custom? See Collect.js and the Transaction API.
Need Help Choosing?
| If you need... | Use this |
|---|---|
| The fastest path to accepting payments | Hosted Checkout |
| Your brand throughout checkout, minimal code | Payment Component |
| A fully custom payment form | Collect.js |
| Recurring billing / subscriptions | Customer Vault + Recurring API |
| Stored cards for one-click checkout | Customer Vault |
API Endpoint
All transaction API calls are made via POST to:
https://secure.cyogate.net/api/transact.php