Help Center

VAT 0% may apply to sales to foreign residents.

According to the law, a foreign resident is defined as an individual who permanently resides outside of Israel or a legal entity registered abroad.

When processing a payment, there is no reliable technical way to determine whether the payer is a foreign resident. Geolocation is unreliable, as an Israeli resident may be abroad at the time of payment.

Since the business is in direct contact with the customer to whom it sells goods or services and reports to the tax authorities, the business is responsible for correctly issuing the tax invoice.

Automatic application of VAT 0%

If a business wants VAT 0% to be automatically applied in invoices, a relatively good method is to rely on the country in which the payer’s card was issued (with the caveat that this method also has exceptions).

Therefore, Allpay provides a function to generate invoices with VAT 0% for payments made with foreign cards. However, for technical reasons, the system can only determine whether a payment was made with a foreign card after the transaction is completed.

Since the tax invoice (heshbonit mas/kabala) is generated after the actual payment, the system will indicate VAT 0% in the invoice, and the service cost will be equal to the final amount.

Example:

Payment with Israeli card:

Service — 100 NIS

VAT — 17 NIS

Total — 117 NIS

Payment with foreign card:‍

Service — 117 NIS

VAT — 0 NIS

Total — 117 NIS

We recommend in payment link settings set <span class="u-richtext-element">VAT mode</span> → <span class="u-richtext-element">included in price</span> and display prices with VAT already included. This will appear more natural to international customers.

VAT collection for foreign cards

If a business does not want to rely on determining foreign residency based on the card’s country, it is necessary to activate the checkbox <span class="u-richtext-element">Charge VAT on foreign cards</span> in <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Company</span>. This will apply VAT to foreign cards the same way as to Israeli cards.

To accept online payments, you must have a website or a business page on a social network that provides information about your business.

Website Requirements

<span class="u-richtext-counter">1</span> The website content must clearly explain what you sell.

<span class="u-richtext-counter">2</span> Your website must include the following business contact details:

• Phone number (or WhatsApp), 
• Email address 
• Physical address (city, street, and house number)

If your business does not have a physical address, provide the one listed in your business registration certificate (Ishur Osek Patur/Murshe).

<span class="u-richtext-counter">3</span> Include a Privacy Policy and Terms of Service for selling products or providing services in English or Hebrew.

Privacy Policy template: ENG, HEB

Terms template (product sales): ENG, HEB

Terms template (service provision): ENG‍

These templates are examples. Allpay does not provide legal advice!

The website can be in any language and domain zone, but the Privacy Policy and Terms of Service must be in English or Hebrew.

<span class="u-richtext-counter">4</span> If your business requires licensing, display the relevant licenses and certificates on your website.

Social network page requirements

<span class="u-richtext-counter">1</span> The content must clearly indicate that the social network page is used for business purposes and specify the services or products offered.

<span class="u-richtext-counter">2</span> The page must include easily visible contact details:

• Phone number
• Email address
• Physical address (city, street, and house number).

If requirements are not met

Failure to meet these requirements may result in your request to process payments being denied.

Allpay, like any payment service in Israel, depends on an external regulator for issuing permissions. We do our best to help our clients obtain approval, but this is only possible with your cooperation.

In Allpay, there are two types of expenses:

1. commission on payments
2. subscription fee

Commission

The commission is deducted from each withdrawal. On the 11th of each month, a link to the commission receipt for all payments from the previous month appears in the <span class="u-richtext-element">Withdrawals</span> tab.

Subscription fee

The subscription fee is charged once a month from the linked card. After each charge, a receipt is available in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Tariff</span> ➙ <span class="u-richtext-element">Balance</span>.

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A J5 transaction is a two-step payment process that begins with a pre-authorization. In the first step, the specified amount is reserved (held) on the buyer’s card for up to 168 hours (7 days) without actually charging the card.

To charge the reserved funds, the seller must initiate a charge request within that time frame and within the reserved amount. If the charge is for a smaller amount, the remaining balance is automatically released.

The term “J5” is used in Israeli payment systems as an internal code to refer to this type of transaction.

Use Cases

Delivery orders – The amount is reserved when the order is placed and charged after delivery is confirmed.

Variable price orders – For example, when buying products sold by weight (meat, fruits, vegetables), the final price is determined after weighing.

‍Pay as you go – The customer uses a service within a limit, and the final amount is calculated at the end.

Car rentals & hotels – The amount is reserved to cover possible damages or extra expenses.

Custom-made products – When ordering custom furniture or jewelry, the amount is reserved at checkout and charged when the product is ready.

Limitations

The charged amount cannot exceed the reserved amount.

Charging is allowed only once. Any attempt to charge again or after 168 hours will result in an error.

Supported Payment Methods

Both Israeli and international credit and debit cards are supported.

Express payment methods (Apple Pay, Google Pay, Bit) are not supported for J5. These buttons will be hidden on the authorization page.

How to Use

J5 functionality is available to developers via the Allpay API: view API documentation.

Demo

В свойствах отклоненных платежей можно увидеть название ошибки и понять причину.

Коды ошибок

20004 Refusal by credit company. Please try a different card

Платёж не был одобрен банком, выпустившим карту. Для израильских карт это чаще всего связано с превышением кредитного лимита (мисгерет) или недостатком средств на счёте при оплате дебетовой картой. Для иностранных карт банк мог отклонить платёж, сочтя его подозрительным. В обоих случаях держателю карты следует обратиться в свой банк, чтобы уточнить причину отказа.

20010 Payment is not approved for debit cards

Попытка осуществить платеж в рассрочку по дебетовой карте. Такие платежи возможны только по кредитным картам и только выпущенным в Израиле. Больше информации.

You can request the customer's phone number, address, website, or other information by adding additional fields to the payment page.

This applies to payment links created through Allpay. If you are connected via the API, field setup is done on your website.

Adding input fields for payment links

1. Activating additional input fields  

Activate additional input fields in the <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment Links</span> section.  

2. Adding fields  

‍When creating a payment link, click <span class="u-richtext-element">Advanced</span>, then <span class="u-richtext-element">Manage Fields</span>. Add the required fields and their names, then click "Save".

The added fields will be available for ALL payment links.

3. Activating fields‍

Activate the toggle for the fields you want to display on the payment page for THIS SPECIFIC payment link.

If the field is also marked as required, the customer will not be able to proceed with the payment without filling it in.

4. After payment‍

The information entered by the customer is displayed in the transaction details on the main payment page. It is also included in payment notifications sent to Telegram, your email, and the customer.  

Field name translation

For payment links in multiple languages, field names can be translated.

In the <span class="u-richtext-element">Manage Fields</span> section, switch the language using the language selection menu and add a translation for each field.

How to insert a link  

HTML tags are allowed in input field names: <span class="u-richtext-element">a</span> for links, <span class="u-richtext-element">b</span> for bold text, <span class="u-richtext-element">i</span> for italics, and <span class="u-richtext-element">span</span> for applying custom styles.  For example, to insert a link into the name of a checkbox field, the name should look as follows:

Agree with <a href="https://allpay.co.il/terms">the terms</a>  

The result will look as follows:

«Agree with <a href="https://allpay.co.il/terms">the terms</a>»

Video tutorial

To check requests for payment creation via API, two methods are available.

Allpay API Tester

With Allpay API Tester, you can perform requests for new payment, refund, create subscription, and other operations in both live and test modes, emulating requests from your server.

Simply insert the API login/key of any integration created in the <span class="u-richtext-element">Settings</span> -> <span class="u-richtext-element">API Integrations</span> section, and fill out the form fields according to the API documentation.

If test mode is enabled for the integration, requests will be executed in the test environment.

API Tag

Each transaction processed via the API has an <span class="u-richtext-element">API</span> tag on it. By clicking on the tag, you can view headers and body of the associated request and response.

Israeli citizens are required to enter their Teudat Zehut number, which is included in the payment receipt.

Since payments can come from outside Israel, as well as from tourists or Israeli residents without a Teudat Zehut, the payment page includes a checkbox labeled “I am not an Israeli citizen”, which hides the Teudat Zehut input field.

If the payment page is accessed from outside Israel, this checkbox is enabled by default.

Hiding the field for payment links

The Teudat Zehut input field and the “I am not an Israeli citizen” checkbox can be completely hidden from the payment page. This is useful for those accepting payments exclusively from abroad.

To enable this, go to <span class="u-richtext-element">Settings</span> --> <span class="u-richtext-element">Payment Links</span> and activate the switch <span class="u-richtext-element">Hide Teudat Zehut input field</span>.

Make sure to consult your accountant before enabling this setting.

Hiding the field for API Payments

‍To pass the Teudat Zehut number or hide this field from the payment page, use the <span class="u-richtext-element">client_tehudat</span> parameter as described in the API documentation.

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