A hosted-checkout flow where the Merchant creates a Payment Link (via API POST /v1/payment-links or Plexy Dashboard), the User completes payment on PlexyPay pages (with 3-D Secure if required), and settlement depends on the autoClearing option.
Actors#
User — payer interacting with the hosted checkout page
Merchant — creates and manages Payment Links; may later control capture/cancel
PlexyPay — hosted checkout + payment API; orchestration, 3-DS, webhooks
Bank / ACS — issuer/acquirer side (authorization & 3-D Secure challenge)
When to use#
You want a shareable link (messenger, email, invoice PDF, CRM).
You prefer ready UI and reduced PCI scope (card is entered on PlexyPay).
You need configurable settlement behavior (automatic vs manual capture).
Clearing logic#
autoClearing = true (default):
PlexyPay authorizes immediately, then performs automatic capture after 1 hour.
autoClearing = false:
Merchant controls settlement. Within 5 days the merchant must:Capture (optionally partial) via the capture endpoint, or
Cancel (void) via the cancel endpoint → funds released immediately.
If neither action is taken within 5 days, PlexyPay auto-captures.
Refund: Available after capture/charge, creates a new transaction and returns funds to the user in a few business days.
Treat webhook as the source of truth for terminal states.
If you need manual settlement, set autoClearing=false and schedule capture/cancel automation with alerts.
For partial fulfillment, partial capture the shipped amount, then /cancel the rest if needed.
Hosted Checkout Integration Flow
