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Here you can learn about general terms and concepts that you meet in the documentation.

3-D Secure

A technology developed by Visa that allows to perform additional authorization for a customer on the side of the issuing bank.


ACS is acronym for Access Control Server which is an element of 3-D Secure infrastructure that ensures validation of the payer by the issuing bank.

AFT (Account Funding Transaction) transaction

A special type of operations for debiting of funds for the purpose of replenishing the client's internal account in the merchant’s system or banking account in bank’s system (often used as an alternative to the purchase operation).


A customer who uses a card issued by a bank to make cashless payments to a merchant.

CIT transaction

CIT (Cardholder Initiated Transaction) is a stored-credential transaction where a cardholder is actively participating in the payment. In this scenario, the cardhoder initiates a transaction but does not need to enter their card details as the merchant uses the card details previously stored by the cardholder to perform the transaction.

Stored-credential transaction

A stored-credential transaction is used when a cardholder authorizes a merchant to store the payment credentials for further payments. For example, a payer may opt to save their card at checkout. In this case a unique token - the credential - is generated by the Payment Gateway that links the payer's card number (PAN) to their ID in the store system (for example, to payer's login).


A party who buys goods or services from a merchant. In this documentation, it is assumed that a customer makes a cashless payment, using cards or wallets.

Installment payments

Installment payments are transactions that are processed on a regular fixed interval according to a payment plan. For example, when a customer monthly pays a bill in small portions. Unlike recurrent payments, installment payments are done throughout a fixed period of time.


A party selling goods or providing services through the eCommerce website (online store).

Merchant Portal

Merchant Portal or Personal Area enables a merchant to easily perform a wide variety of tasks using web interface. In Merchant Portal, the merchant can manage and monitor payment transactions, configure payment options, or send an invoice with a payment link directly to a customer's email.

MIT transaction

MIT (Merchant Initiated Transaction) is a stored-credential transaction performed by the merchant without any active participation from the cardholder.

MOTO payment

A Mail Order/Telephone Order (MOTO) payment is a card-not-present transaction where the customer provides merchant with their order and payment details by email or phone. The merchant then passes the received payment data to the payment gateway to process the transaction.

OCT (Original Credit Transaction) transaction

A special type of transactions for crediting funds to the recipient in real time.

One-phase payment

A transaction for payment for goods/services made over the Internet using bank cards that does not require additional confirmation, i.e., holding and debiting of funds takes place in one stage. This type of payments is preferable if the goods or service is provided immediately after the payment.

Online Store

A website that allows a merchant to sell goods or services to customers through the Internet.

Open ID token

A token that the merchant can use for authentication instead of credentials when sending API requests to the Payment Gateway. The Open ID token can be generated in the Merchant Portal.

Payment Gateway

An automated system allowing merchants to accept payments through the Internet using bank cards or wallets. It provides a fast and easy way to collect customers’ payment information, process payments, and handle authorization.


The Payment Card Industry Data Security Standard (PCI DSS) is an information security standard used to handle credit cards from major card brands. All companies that process credit card data must be compliant with PCI DSS. This requirement is also applicable to eCommerce merchants who outsource all payment processing to PCI DSS validated third parties, and who have a website that doesn’t directly receive cardholder data but can impact the security of the payment transaction.

P2P transaction

A way to transfer funds from one person to another using bank card details. It is also referred to as peer-to-peer/person-to-person transaction or P2P payment.

Recurrent payments

Recurrent payments occur on a fixed schedule for a pre-agreed amount. For example, monthly utility bills. Unlike installment payments, recurring payments don’t have a fixed duration.

Stored credential

A unique token generated by the Payment Gateway that links the payer's card number (PAN) to their ID in the store system (for example, to payer's login). The stored credentials can be used for future purchases so that the cardholder will not have to enter the card data next time. Such transactions are referred to as stored-credential transactions.

Two-phase payment

A transaction for payment for goods/services made via the Internet with the use of bank cards that requires additional confirmation, i.e., payment is made in two stages. At the first stage, the check of availability and holding of funds of the payer (pre-authorization) takes place; then, at the second stage, the company either confirms to debit funds, or cancels holding of funds.

eCommerce API V1
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