Payments - Zahlo Merchant Developer Docs

A payment represents a customer charge request. It includes an amount, currency, merchant reference, metadata, and a neutral status.

Statuses

Status	Meaning
`created`	Request accepted but not yet presented to the customer
`pending`	Customer action or confirmation is in progress
`confirmed`	Payment has been authoritatively confirmed
`partially_refunded`	Some, but not all, of the payment was refunded
`refunded`	The full payment was refunded
`cancelled`	Payment was cancelled before confirmation
`expired`	The payment session passed its expiry time

Use integer minor units for new checkout requests, such as 4990 for EUR 49.90. Keep the currency with every amount and do not use floating-point arithmetic for accounting decisions.

Payment methods

Payment methods are merchant-scoped and can include bank, card, Apple Pay, and Google Pay. Query enabled methods before rendering a choice, and validate the selected method again on the server.

Fulfillment

The payment status returned to a browser is useful for display, but fulfillment must use a verified server event. Make fulfillment idempotent and associate it with the merchant payment ID and order ID.