Accept · Gateway

One integration. Every way to pay.

Cards, wallets, bank transfers and local methods — 40+ in 135+ currencies — behind one API and one checkout. Smart routing retries through a second acquirer when a bank says no.

Start now Talk to sales

United States

Checkoutpay.sparkio.site/northlight

Northlight

Studio Lamp

$249.00

Payment method

Card
Apple Pay
Google Pay
PayPal
Bank (ACH)
More

Your receipt goes to [email protected].

Simulated — no real money moves.

Simulate a soft decline

Same integration. Checkout adapts per country.

Checkout

Hosted, embedded or headless.

Start with the hosted page and move to the embedded form or the headless API when you need more control. Card data is tokenized the same way in all three, so your PCI scope stays small whichever you pick.

Hosted page in your brand, on our domain or yours
Embedded form inside your page
Headless API for custom UIs
The same tokenization everywhere

Read the checkout docs

Checkoutpay.sparkio.site/northlight

HostedEmbeddedHeadless

// 1. Your app tokenizes the cardconst { token } =  await sparkio.tokens.create(card);// → "tok_6Vd1Rz"// 2. Your server charges, from your own UIPOST /v1/payments{ token, amount: 24900, currency: "usd" }// 201 { "status": "succeeded" }// 3. Signed webhook: payment.succeeded{ "id": "pay_1QyZ9j", "order": "#20291" }// 1. your apptokens.create(card)// → "tok_6Vd1Rz"// 2. your serverPOST /v1/payments{ token,  amount: 24900,  currency: "usd" }// 201 succeeded

Same token in all threetok_6Vd1Rz

Payment links

Sell without a website.

Create a link for a product, an invoice or a donation and share it anywhere a message goes. The link opens a hosted checkout with every local method already switched on.

A link or QR code per product, amount or invoice
Share over WhatsApp, Instagram, email or SMS
Same methods, currencies and 3DS rules as checkout
Paid links land in your balance like any other sale

How pricing works

Payment linkplink_9fKq2X

WhatsApp
Instagram
Email
SMS

pay.sparkio.site/l/studio-lamp

Payments

3 · $747.00

Liam Turner
•••• 0341 · Yesterday
$249.00Settled
Ava Morgan
Apple Pay · Mon, Oct 19
$249.00Settled
Ethan Cole
•••• 2210 · Fri, Oct 16
$249.00Settled
+1 more

Gateway API

A REST API you can read in one sitting.

Predictable resources, one way to create a payment and webhooks that tell you what happened. Sandbox keys arrive in 30 seconds, so building and testing never wait for a sales call.

Idempotent requests — retry without duplicates
Webhooks with signed payloads
Sandbox keys in 30 seconds
SDKs for Node, Python, Go, PHP, Ruby and Java

Read the API reference

Create a paymentPOST /v1/payments

# Create and capture a card paymentcurl https://api.sparkio.com/v1/payments \  -u sk_test_51Hb9…: \  -H "Content-Type: application/json" \  -d '{    "amount": 24900,    "currency": "usd",    "payment_method": "pm_card_visa",    "capture": true  }'# 201 Created{ "id": "pay_1QzP0e", "status": "succeeded" }

Smart routing

Smart routing. Automatic fallback.

Each payment takes the route most likely to be approved for that card, country and amount. When the first acquirer returns a soft decline, the gateway retries on a second route inside the same request.

Routes chosen per BIN, country and amount
Soft declines retried on a second acquirer
One request, one response — the customer never sees the retry
Routing rules you can read and override

How a payment is authorized

Payment attemptpay_1QzK8m

Maya Chen

Studio Lamp · #20418

$249.00•••• 4242

09:41:07.204Route A · acquirer_1
Declineddo_not_honor
Authorization sent · Visa •••• 4242 · $249.00 USD
09:41:07.219Fallback rule matched
Rerouting
soft_decline → retry on next route
09:41:07.431Route B · acquirer_2
Approved+212 ms
Same network token, same amount · issuer approved
09:41:07.980Captured · settled to balance
Settled
$241.48 net of the $7.52 fee · Maya saw one spinner

Simulated — no real money moves.

Fraud & 3DS

Fraud and 3‑D Secure only when they help.

Every payment gets a risk score from device, velocity, BIN and address signals before authorization. Low-risk payments go straight through; a 3-D Secure challenge is added only when it raises the chance of approval or your rules require it.

Risk score on every payment, before authorization
3-D Secure 2 with the frictionless flow by default
Rules you set: score thresholds, amounts, countries
Liability shift when a challenge is completed

Read about security

Riskpay_1QzK8m

Maya Chen

[email protected] · Studio Lamp · #20418

$249.00•••• 4242

Risk score

Low

Approve

Signals

Device: iPhone · Safari · seen 3×
IP: 198.51.100.24 · Portland, US
Card: Visa credit · US · matches IP
Velocity: 1 checkout · 24 h
AVS / CVC: Street + ZIP match · CVC M

Rules

Challenge when score > 60On
Always challenge above $1,000On
Block card / IP country mismatchOff
Skip 3DS for returning customersOn

Simulated — scores and signals are illustrative.

Also in the gateway

The parts you notice later.

Smaller features that keep approval rates up and support tickets down.

Network tokens
Card numbers are replaced by network tokens, so payments keep working after a card is reissued and approval rates go up.
Account updater
Expired or replaced cards on file are refreshed with the networks before the next charge is attempted.
Installments
Offer installments where customers expect them — Brazil, Mexico and more — with the terms shown at checkout.
Multi-currency pricing
Show prices in the customer's currency and settle in yours, with one FX rate per payment and no surprises.
Webhooks
Signed events for every state change, with automatic retries and a replay button in the dashboard.
Idempotent API
Send an Idempotency-Key with any write and retry it safely without creating duplicate payments.

Questions

Questions about the gateway.

What is my PCI scope?: With the hosted page or the embedded form, card data goes from the customer's browser straight to the gateway and never touches your servers, which keeps you on the shortest self-assessment questionnaire (SAQ A). A headless integration that handles raw card numbers carries a larger scope; most teams tokenize on the client to avoid it.
Which payment methods are supported?: Cards (Visa, Mastercard, Amex and local schemes), wallets such as Apple Pay and Google Pay, bank transfers and debits like SEPA, ACH and iDEAL, and local methods including Pix, Boleto, OXXO and UPI — 40+ in all. Availability depends on the country of your account and of your customer.
How does fallback routing work?: When the first acquirer returns a soft decline — do_not_honor or issuer unavailable, for example — the gateway retries the same authorization on a second route inside the same request. Declines a second route cannot fix are not sent to one: a stolen card is never retried, and insufficient funds is only retried later, on the retry schedule. Both attempts appear in the payment's events.
Does 3-D Secure cost extra?: No. 3-D Secure 2 is part of the rate we agree with you, never a separate line. The gateway uses the frictionless flow whenever the issuer allows it and only shows a challenge when your rules require one or when it raises the chance of approval.
How do I go live?: Sandbox keys are issued the moment you create an account. To go live, agree your rate with us, complete business verification in the dashboard (usually one to two business days) and swap your test key for a live one. Nothing else in your integration changes.

Take your first test payment today.

Sandbox keys now. Live keys after verification, on a rate agreed with you.

Start now Talk to sales

One integration. Every way to pay.

Hosted, embedded or headless.

Sell without a website.

A REST API you can read in one sitting.

Smart routing. Automatic fallback.

Fraud and 3‑D Secure only when they help.

The parts you notice later.

Network tokens

Account updater

Installments

Multi-currency pricing

Webhooks

Idempotent API

Questions about the gateway.

Take your first test payment today.