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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.

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.

‍

1. Open this link in Safari: Allpay App
2. Go to your browser's menu and select Add to Home Screen.
3. Save it.

When creating a payment link, switch the selector from «I indicate the amount» to «Customer indicates amount» and provide the name of the product or service.

You can also add buttons with predefined amounts, allowing the payer to choose one or enter their own amount in the input field. To make one of the buttons preselected on the payment page, mark it with a star.

The payer will select the desired amount button or enter their own amount and proceed with the payment. The transaction will appear on the main payment screen like any other. еее

Passing the amount through a URL link

If you add <span class="u-richtext-element">?amount=AMOUNT</span> to the end of the URL link, the buttons and input fields will disappear, and the amount will be fixed.

For example, https://allpay.to/~pay/dynamic?amount=300

This helps avoid creating multiple payment links for a single service with a frequently changing price. You only need to create one link and insert the required amount into its URL when sending it to the customer.

In the article "Passing parameters through the payment link URL" you can learn about other options of this feature.

You can set a date and time for a payment link to automatically turn off and no longer accept payments.

For example, when selling tickets, you can set the event start time as the deadline for buying a ticket.

<span class="u-richtext-counter">1</span> In <span class="u-richtext-element">Settings</span> --> <span class="u-richtext-element">Payment links</span>, activate the <span class="u-richtext-element">Disable links by</span> time option.

<span class="u-richtext-counter">2</span> When creating a new payment link, expand <span class="u-richtext-element">Advanced</span> and set the shutdown timer to the exact time to one minute.

The payment link will automatically stop working at the specified time. This is the same as manually selecting “Stop accepting payments” from the link menu.

You can also automatically deactivate a link after selling a certain number of tickets, goods, or services. To do this, watch quantity management article.

Some types of businesses are considered high-risk and credit companies require more thorough verification when connecting a payment system.

In particular, these include advice in the field of finance and health, the sale of medicines and dietary supplements, the sale of tobacco and smoking mixtures, trading on the stock exchange, esoterics and spiritual practices, dating sites, and some others.

Before being approved to accept payments, such a business must undergo full verification, which includes security checks and signing a physical agreement with a credit company (Isracard, CAL, or MAX).

Verification process

<span class="u-richtext-counter">1</span> Fill in registration form.

<span class="u-richtext-counter">2</span> We will pre-check the data provided, request additional documents if necessary, and let you know if any changes to your site are required.

For activities in the field of health, psychology, coaching and business consulting, we will ask for a higher education diploma in the relevant field and certificates of completion of specialized programs.

<span class="u-richtext-counter">3</span> We will ask you to pay 150 ILS. These are the costs we bear for connecting each business, regardless of whether it is approved by the credit company or not.

The funds are non-refundable. But if the business is approved, they will be credited for the first three months of using Allpay. At the same time, we will do everything possible to ensure that approval is granted, and we expect maximum assistance from you.

<span class="u-richtext-counter">4</span> We will transfer the data to the credit company, which will verify it and appoint an agent to meet you and sign a physical contract. The review takes from one week to a month.

<span class="u-richtext-counter">5</span> An agent will contact you to arrange a meeting and sign a contract.

Often, an agent only speaks Hebrew, but all you have to do is arrange a meeting where you don't need to have a dialogue.

In some cases, verification can be done remotely by filling out an online form and recording a video. However, this depends on the credit company's decision.

<span class="u-richtext-counter">6</span> Usually, the agreement is approved within a week after signing, after which it is possible to accept payments via Allpay.

We will fully support you in this process and provide full support, waiting for your cooperation. However, we reserve the right to refuse at any stage.

List of special business categories

Spiritual practices

Dating

Investments

Financial, health and career advice

Drugs and supplements

Alternative medicine

Tobacco, smoking mixes

Stock exchange trading

Esotericism

And some others.