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3-D Secure

3DS is a technology that adds a layer of security to online payments by requiring the cardholder to confirm the payment in the bank's app or by entering a one-time SMS code.

It is used to protect against fraudulent transactions, helping businesses reduce risks of chargeback requests.

Connecting and configuring

You can activate 3DS and set the minimum payment amount from which it will be applied in the <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment modules</span> ➙ <span class="u-richtext-element">3DS</span>

Frictionless 3DS

Sometimes 3DS authentication takes place in the background and does not require the customer to enter an SMS code or approve the payment in their banking app. During the authentication, the payment page collects technical information about the customer’s device and browser, including the IP address, browser type, language, time zone, screen settings, and other details.

This information is sent to the issuing bank as part of the 3DS process and evaluated together with the card details, payment amount, location, and transaction history. If the bank is confident that the payment is being made by the legitimate cardholder, it authenticates the transaction without requiring any additional action.

To the customer, it looks like a regular payment, but it is still protected by 3DS. If the bank requires further verification, the customer will be asked to confirm the payment using a code or their banking app.

Commission

An additional fee is charged for each payment processed with 3DS, according to the pricing.

The fee is applied even if the payment is unsuccessful — for example, when the cardholder confirms the payment via 3DS, but the bank declines the transaction.

Keep reading
Security

Redirect after payment and success page customization

After a successful payment, you can redirect the customer to an external URL or customize the Allpay success page shown to the customer.

Setup

In the payment link settings, expand <span class="u-richtext-element">More</span> section and enable the “Custom success page” block. There you can select one of the following options:

  1. ‍Redirect to URL
    ‍
    Immediately after payment, the customer will be redirected to the specified URL.
  2. ‍Custom message and button
    ‍
    You can set your own heading and text to be displayed to the customer after payment. You can also add a button and specify the URL the customer will be redirected to after clicking it.

API payments

This setting does not apply to payments received via API (from external websites). For those, please refer to the API documentation.

‍

Keep reading
Payment links

Webhooks

This article explains how to set up webhook notifications for payments.

For payments initiated via the API, Allpay sends a webhook by default in response to the API request. No additional configuration is required.

The setup described below is needed in two cases: if you want to receive webhook notifications for payments created not via the API, but through payment links, or if you need to specify an additional URL for sending webhook notifications as part of your API integration.

What is webhook

Webhook is an automatic event notification sent by the Allpay system to an external URL.

When a payment is successfully completed, Allpay sends a POST request to the specified address. The request contains full payment details, including the buyer's name, the payment description, and the amount.

Developers and integrators use webhooks to:

  • automatically trigger actions (e.g. activating an order or sending an email to the customer),
  • synchronize data between systems,
  • eliminate the need for manual payment status checks.

Even types

Allpay supports webhooks for two events — successful payment and refund.

For subscriptions, the webhook is automatically sent to the specified URL each month after a successful recurring charge.

Where to configure a webhook

A webhook is configured separately for each payment link or API integration:

  1. Payment link — in the settings of that specific link. In this case, the webhook will be sent for every payment made via that link.
  2. API integration — in the settings of a specific integration under the <span class="u-richtext-element">API Integrations</span> section. This allows you to receive webhooks for all payments processed through that integration — for example, from your site on WordPress, or another platform.

Allpay does not have a centralized webhook setting for all payments. This approach gives you flexible control over notifications across different channels.

Webhook request contents

Allpay sends a POST request to the specified URL. The request body is a JSON object containing parameters related to the event.

Example request

POST /c96zv6ri852dvppncccdg6fxkjnpwojg HTTP/2
Host: hook.eu2.make.com
accept: */*
content-type:application/json
content-length: 453

{
    "name": "Consultation",
    "items": [
        {
            "name": "Consultation",
            "price": 150,
            "qty": 2,
            "vat": "1"
        },
        {
            "name": "Clock",
            "price": 50,
            "qty": 1,
            "vat": "1"
        }
    ],
    "amount": "350",
    "status": 1,
    "client_name": "Tanur Mikrogalov",
    "client_email": "test@email.com",
    "client_tehudat": "123456789",
    "client_phone": "+972 58 569 8877",
    "foreign_card": "0",
    "card_mask": "455743******3431",
    "card_brand": "visa",
    "receipt": "",
    "inst": 1,
    "sign": "83f6fab69f7b237ee2db5d9993b84b5fe89ef722af6206a0ffe64480501f3784"
}

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Each payment for which a webhook was sent is marked with a corresponding label. By clicking on this label, you can view the full contents of the request.

add_field parameter

If you add <span class="u-richtext-element">?add_field=any-string</span> to the payment link URL, this parameter will be included in the Webhook request body. Learn more.

Webhook security

Allpay supports two methods for verifying the authenticity of webhook requests:

Verification using the Webhook secret key

This method relies on an HMAC signature based on the SHA256 algorithm.

Signature generation algorithm:

  1. Remove the <span class="u-richtext-element">sign</span> parameter from the request.
  2. Exclude all parameters with empty values.
  3. Sort the remaining keys in alphabetical order.
  4. From the sorted list, take the parameter values and join them into a single string using a colon (:) as a separator.
  5. Append your Webhook secret key to the end of the string, preceded by a colon.
  6. Apply the SHA256 algorithm to the resulting string.
  7. Compare the result with the <span class="u-richtext-element">sign</span> parameter received in the request.

Platforms like Zapier support this type of verification using built-in tools, such as a custom script in Code by Zapier.

Example JavaScript for Zapier

const webhookKey = "YOUR WEBHOOK SECRET KEY";

// Parse the input params from JSON string to an object
const params = JSON.parse(inputData.params || '{}');

// Store the original signature from the request
const requestSignature = params.sign || null;

// Remove the 'sign' parameter before calculating the signature
delete params.sign;

function getApiSignature(params, webhookKey) {
    // Filter out empty values and sort keys alphabetically
    const sortedKeys = Object.keys(params)
        .filter((key) => {
            const value = params[key];
            return value !== null && value !== undefined && String(value).trim() !== '';
        })
        .sort();

    // Collect the values in sorted key order, process nested arrays (like "items")
    const chunks = [];
    sortedKeys.forEach(key => {
        const value = params[key];
        if (Array.isArray(value)) {
            value.forEach(item => {
                if (typeof item === 'object' && item !== null) {
                    Object.keys(item).sort().forEach(subKey => {
                        const val = item[subKey];
                        if (val !== null && val !== undefined && String(val).trim() !== '') {
                            chunks.push(String(val).trim());
                        }
                    });
                }
            });
        } else {
            chunks.push(String(value).trim());
        }
    });

    // Build the string to hash
    const baseString = chunks.join(':') + ':' + webhookKey;

    // Generate SHA256 hash
    const crypto = require('crypto');
    const hash = crypto.createHash('sha256').update(baseString).digest('hex');

    return { baseString, verifiedSignature: hash };
}

// Generate the signature
const result = getApiSignature(params, webhookKey);

// Return the original and calculated values
output = {
    requestSignature: requestSignature,
    baseString: result.baseString,
    verifiedSignature: result.verifiedSignature
};

‍

Demo of webhook verification on Zapier

‍

IP address verification‍

A simpler but less secure method is to check that the request comes from Allpay’s server IP address. You can request the current IP address by contacting our support team.

Webhook delivery and retries

Your server must return an <span class="u-richtext-element">200 OK</span> response to confirm successful receipt of a webhook. If any other status is returned, or the request fails due to a timeout or network error, Allpay will automatically retry delivery.

Allpay performs up to 10 delivery attempts in total. The first retry is made 1 minute after the initial failure. Subsequent retries are sent with progressively increasing intervals, with the final attempt occurring within 24 hours of the original request.

If all delivery attempts fail, the webhook will be marked as failed and no further retries will be made.

Keep reading
API
Integrations

Payment page language

The payment page supports languages: Arabic, English, French, German, Hebrew, Italian, Russian and Spanish.

The language is detected automatically based on the customer’s browser language, so each customer sees the payment page in their own language. If the browser language is not supported or cannot be detected, English will be set by default.

To manually control the language of the payment page, in the <span class="u-richtext-element">More</span> section of the payment link settings, change the <span class="u-richtext-element">Auto-detect (browser language)</span> option to the language you need.

The customer will then see the payment page in that language, regardless of their browser settings. The language switcher will still remain available on the checkout page.

The payment email notification is sent to the customer in the same language that was selected on the payment page at the time the payment was made. For example, if the payment page was opened in Hebrew, the email notification will also be sent in Hebrew. Example of a payment email notification.

Translation of additional fields

If you add custom fields to the payment page, their labels can be translated into all four languages. This makes the payment page convenient for a multilingual audience. For more details, see the article about additional fields.

Language control via API

For payments initiated from your website (i.e., not through payment links created in Allpay), the payment page language can be controlled via the API according to the documentation.

By default, automatic detection based on the browser settings applies.

Keep reading
Payment links

Customer email notification after payment

After payment, customer receives an email notification about the payment. Make sure this feature is enabled in <span class="u-richtext-element">Settings</span> -> <span class="u-richtext-element">Notifications</span>

An email notification by itself is not a receipt.

The notification is sent in the same language that was selected on the payment page at the time the payment was made. For example, if the payment page was opened in English, the customer will receive the notification in English as well.

If you enable integration with EasyCount or Morning digital invoicing systems, the receipt will be created automatically, and a button for downloading it will be added to the notification.

Example of email notification

Keep reading
Documents
Integrations

Commission for bank card payments

Allpay supports Visa, Mastercard, American Express, Diners, Discover, JCB, and Isracard bank cards.

Current rates are listed at pricing page.

The commission rate depends on four factors:

1. Business turnover

The higher the average monthly turnover of the business, the lower the commission rate.

Average monthly turnover is calculated as the total amount of all successful payments over the last 3 months, minus refunds and chargebacks, divided by 3.

If payments were made in different currencies, the turnover is converted to ILS.

Turnover is recalculated automatically at the end of each day. If the business moves into a different turnover tier, the corresponding commission rate is applied automatically.

2. Card brand

Visa and Mastercard have lower rates.

American Express and Diners have higher rates because these brands are considered premium and provide cardholders with various benefits, which are paid for by the business.

3. Local or international payment

Payments made with cards or wallets issued in Israel have lower rates.

International payments follow a longer processing path before they are included in a payout, so the commission rate for them is higher.

4. Whether the card is a business or personal card

Transactions made with business cards may include an additional fee of 1.5% to 1.75%.

This fee is added by payment systems and issuing banks and does not depend on Allpay.

Keep reading
Pricing

How to withdraw money from Allpay to a bank account

After a customer completes a payment, the funds are automatically transferred to your bank account. This process is called a payout.

There is no need to manually request transfers — Allpay automatically processes payouts according to the selected schedule.

Standard payout schedule

By default, payouts are made once per month.

All payments received during a calendar month are transferred on the 6th day of the following month. This option works well for most businesses, especially when daily transfers are not required.

The payout schedule is always available in your Allpay dashboard.

Weekly payouts

If you need to receive funds more frequently, you can activate the weekly payout option.

In this case, funds are transferred every week. An additional commission applies for this option.

What is deducted from payouts

Payouts are made after deducting the payment provider commission and VAT.

In your dashboard, you can see transaction history, payout amounts, and detailed calculations.

Allpay provides a transparent and predictable payout process so you can better manage your business cash flow.

Read the detailed article about payouts.

Keep reading
How Allpay works

Currencies and payment methods supported by Allpay

After connecting Allpay, you can immediately start accepting payments in Israeli shekels (ILS).

Customers can pay you from Israel or from abroad. The currency of the customer’s card does not matter — the payment will be processed successfully, and you will receive the amount in shekels. The customer’s bank will handle the currency conversion at the time of the charge.

Displaying prices in different currencies

For customer convenience, the amount on the payment page can be displayed in different currencies — for example, US dollars, euros, hryvnias, rubles, or even Norwegian kroner.

It is important to understand that this is only a visual display. The actual transaction is processed in shekels at the current exchange rate.

Accepting payments in USD or EUR without conversion

If you want to accept payments in US dollars or euros without conversion to shekels, this option is also available.

To enable it, you need to activate the relevant currency module in your Allpay dashboard and wait for approval. The approval process usually takes about a week.

Once activated, you will be able to create payment links in USD or EUR, and the funds will be transferred to your account in the same currency — without additional conversion.

Supported payment methods

Allpay supports major international card brands, including:

  • Visa
  • Mastercard
  • American Express
  • Diners
  • and others

Fast payment methods are also available:

  • Apple Pay
  • Google Pay
  • Bit

When paying with Bit, the customer does not need to enter a phone number. They simply click the Bit button on the payment page and confirm the transaction in the Bit app on their phone.

Customers can choose the payment method that is most convenient for them. All available payment methods are displayed on the payment page opened by the customer.

Keep reading
How Allpay works
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FAQ

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Is there an additional fee for payments via Bit, Google Pay and Apple Pay?

No. Commission for payments via Bit, Google Pay and Apple Pay is the same as for regular card payments.

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Do you have webhooks?

Yes, Allpay can send a webhook for a successful payment. Learn more.

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Is there an additional fee for integrations?

No, any number of integrations is included in the plan's price.

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Does Allpay only work as an app?

No, your customer won't need to install Allpay. They will access the payment page just like any other website page.

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How often are withdrawals processed?

Payments for the month are processed on the 6th of the following month. Also we have option of weekly withdrawals. More information about withdrawals.

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Does Allpay connect to ChatGPT and Claude?

Yes. Allpay supports MCP (Model Context Protocol) for connecting to Claude, ChatGPT, Gemini, Grok, and other AI assistants. Learn more

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Installments

Split the amount into monthly payments that will be deducted from the customer's card automatically (tashlumim).

Recurrent billing

Streamline recurring billing: automate customer card charges for subscriptions.

Digital receipts

Automatic generation of digital receipts (kabalot and hashbonit mas) through integration with a licensed service.

Apple Pay, Google Pay and Bit

Fast and convenient payment methods with no additional fees.