Help Center

By default, the amount of an installment payment is credited in monthly parts, depending on the number of payments selected by the customer at checkout.

For example, if the amount was split into 10 payments, the funds will be credited as 1/10 of the amount over 10 months, as the customer’s card is charged.

However, the business can receive the full amount upfront — together with the first payout. The customer will still be charged in parts according to the regular installment schedule.

When using the «sherut nikayon» (שירות ניכיון) service, the credit company pays the business the full amount upfront (deducts an additional commission), and then collects the funds from the customer in parts.

Requirements

Since receiving the full amount upfront uses a credit mechanism, two conditions must be met before the service can be activated:

1. Allpay must be used for at least three months.
2. Total turnover for the entire period must be at least 15,000 ILS.

These criteria allow the credit company to assess the business’s payment activity and reduce chargeback risks — situations where the business receives a payout for a significant amount, and the cardholder later claims that the charge was unauthorized.

Activation

The service is activated in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment modules</span> ➙ <span class="u-richtext-element">Installments upfront</span>

After the activation request, we will send the documents for signature. Once approved by the credit company, the module will be enabled. The review usually takes 5–7 business days.

All installment payments received after the service is approved will automatically be processed using the full-amount crediting mechanism.

The service does not apply retroactively, meaning it does not apply to payments made before it was activated.

Deactivation

You can deactivate the module in the same modules section. Deactivation takes 5–7 business days. After deactivation, you will receive an email notification.

The module can be reactivated only after 30 days.

Commissions

The credit company charges an additional commission for accelerated crediting. The commission amount and calculation method are shown on the plan page.

It is not possible to split payments between regular installments without an additional commission and installments upfront with an additional commission. While the service is active, all installment payments will be processed through the upfront installments mechanism.

A payment can be refunded fully or partially. To do this, click the <span class="u-richtext-element">Refund</span> button in the payment details. The amount will be returned to the customer’s card within 7 business days and deducted from your next payout.

If the payment was made with an Israeli card and the refund was issued on the same day, the charge will not actually be debited from the customer’s account, and the transaction record will soon disappear from their statement.

Commission

The customer receives the full refunded amount. The processing commission charged to the business for the payment is not refunded.

A refund commission is also charged according to the pricing.

Refund receipt

If you have enabled integration with Morning or EasyCount, the original receipt will be automatically canceled, and a refund receipt will be generated:

• For Esek Patur: a Kabala (receipt) with a minus sign will be created.
• For Esek Murshe and companies:
  1. a Heshbonit Zikuy (credit tax invoice), and
  2. a Kabala (receipt) with a minus sign will be created.

These documents will be automatically sent to the customer’s email.

Refund errors

Insufficient funds available for refund

Refunds are made using the funds from other payments that are ready for payout. You must receive new payments and wait until they are processed and become available for payout.

Payments must be in the same currency as the refund. For example, it is not possible to issue a refund in shekels using payments received in euros.

Refunds for installment payments

If the customer paid for the order in installments and you issued a refund, it is important to note that the installments will continue to be charged from the customer’s card. In this case, each month the customer will have two transactions: the next installment charge and a partial refund back to the card.

This means that in the customer’s bank statement, they will see two transactions: one negative and one positive.

If the refund is not for the full payment amount, but only for part of it, the refund amount will be split according to the number of installment payments.

For example, the customer paid 4,000 ILS in 4 installments. After two charges, you decided to refund the customer 2,000 ILS. In this case, the refund will be split into 4 parts of 500 ILS each. The customer will receive a refund of 500 ILS per month for 4 months.

Chargeback

A chargeback is a refund initiated not by the business but by the customer through their credit institution when they believe that the charge was unauthorized.

It is a separate procedure and, unlike a standard refund, may have negative consequences for the business.

Read more: Chargeback (transaction dispute)

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 request contents

The transaction details show its history. By clicking a history record, you can view the API request body and webhook.

This feature allows you to manage the payment amount via URL, pass customer data filled out on your platform to the payment page, and control the customer's path after a successful payment.

First, you need to create a payment link in the Allpay dashboard and set its type to <span class="u-richtext-element">Customer indicates amount</span>.

You can add the parameters <span class="u-richtext-element">amount</span> for the payment amount, <span class="u-richtext-element">client_name</span>, and <span class="u-richtext-element">client_email</span> for customer data to the payment link URL.

For example, https://allpay.to/~pay/dynamic?amount=100&client_name=Jason%20Statham&client_email=jason@go.com

‍
If the values for the parameters <span class="u-richtext-element">client_name</span> and <span class="u-richtext-element">client_email</span> are not specified, we will request them from the customer during payment.

This way, you can use a single payment link for all customers, specifying an individual amount for each of them.

Supported parameters

<span class="u-richtext-element">amount</span> — payment amount.

<span class="u-richtext-element">client_name</span> — customer name.

<span class="u-richtext-element">client_email</span> — customer email.

<span class="u-richtext-element">client_tehudat</span> — the Tehudat Zehut (Social ID number). This is included in the payment receipt. To hide this field from the page, pass nine zeros.

<span class="u-richtext-element">currency</span> — payment currency. For example, ILS, USD, EUR. If the currency is not approved for the account, it will be converted to ILS.

<span class="u-richtext-element">currency_display</span> — display currency. For example, you can show the price in USD and charge in ILS at the current exchange rate. List of supported display currencies.

<span class="u-richtext-element">lang</span> — language of the payment page. It is auto-detected by the customer's browser language, but you can control it by passing values AR (Arabic), EN (English), HE (Hebrew), or RU (Russian).

Product name

The product or service name cannot be passed this way, as it creates a possibility for manipulation. For example, it would allow changing the name of the provided product or service, which is automatically included in the receipt generated after payment.

Parameter add_field

You can also use the parameter <span class="u-richtext-element">add_field</span>, the value of which will be passed unchanged in the redirect URL after a successful payment (see the article Redirect after payment for how to set up the redirect URL).

For example, https://allpay.to/~pay/dynamic?amount=100&add_field=any_text

In the example above, the parameter <span class="u-richtext-element">add_field=any_text</span> will be passed unchanged in the redirect URL after payment. This allows you to track conversions, direct the customer to the desired stage of your chatbot funnel, and perform other necessary actions after payment.

If needed, you can set the value of <span class="u-richtext-element">add_field</span> to a string with multiple parameters and parse them on your server side. For example, <span class="u-richtext-element">add_field=par1-value1,par2-value2</span>.

If Webhook sending is enabled for the link, the <span class="u-richtext-element">add_field</span> parameter will be included in the request body.

Video tutorial

Creating payment forms

Using this approach and basic web development skills, you can create payment forms for placement on your website. These forms do not replace full capacity of our API but provide a simple and convenient solution for accepting payments.

You can allow customers to select product modifications or quantities, calculate the total based on selected options, and redirect the customer to proceed the payment.

Example in action:

You can view the source code for the forms used in the video at the following links:

https://allpay.to/demo/snippet-example-1.html

https://allpay.to/demo/snippet-example-2.html

Using ChatGPT, you can customize the functionality of the forms to suit your specific needs.

We help Amuta (Non-Profit Organization) connect payment system to accept donations.

Amuta is a non-profit organization that aims to promote socially significant goals or ideas in society.

Documents required to enable payments

1. Identity document (תעודת זהות) of the founder or director.
2. Certificate of registration of the amuta (תעודה לרישומה של עמותה).
3. Bank account details confirmation (אישור ניהול חשבון בנק).
4. Minutes specifying the authorized signatories (פרוטוקול מורשי חתימה). Must be notarized by a lawyer. Download a sample.
5. Certificate of proper management (אישור ניהול תקין) or a confirmation of document submission signed by an accountant (אישור הגשת מסמכים).

The Certificate of proper management confirms the legality and continuity of the amuta’s activity over a two-year period. The Confirmation of document submission serves as a temporary equivalent of the Certificate of proper management.

Registration steps

1. Make sure that the amuta site matches requirements.
2. Fill in registration form.
3. Within 24 hours, an Allpay manager will contact you to request missing documents.
4. If everything is in order, you will receive approval within 2-3 days and will be able to start accepting payments.

Technical capabilities

Allpay allows non-profit organizations to conveniently accept donations online. You can:

• create payment links, including links with an amount input field where the donor enters the donation amount;
• automatically create documents such as receipt (קבלה) and donation receipt (קבלה על תרומה) according to rules implemented in 2026;
• accept automatic monthly donations (subscriptions);
• embed a payment form on your website;
• accept donations via Bit and Apple Pay;
• and use other Allpay features.

Chargeback comes from the English words «charge» (debit) and «back» (return), which literally means «return of funds back». This term refers to the procedure by which a bank refunds money to the payer after funds were mistakenly or fraudulently withdrawn from their account.

It is a consumer protection mechanism that allows the cancellation of credit or debit transactions and the return of funds if the customer did not authorize the purchase, did not receive the goods or services, or if billing errors occurred.

Participants in a chargeback

The chargeback process involves:

• Customer: Initiates the chargeback through the issuing bank (the bank that issued the card).
• Issuing bank: Conducts the investigation and, if necessary, refunds the money to the customer. In Israel, the issuing banks can be Isracard, CAL, MAX and few others.
• Merchant (seller): Must provide evidence of the legitimacy of the transaction. If the chargeback is justified, the merchant refunds the money to the bank.

Possible reasons for a chargeback

• The customer requested a refund because they did not recognize a charge in the bank statement or forgot about an actual payment.
• The goods or services were not provided by the merchant.
• Fraudulent charges were made on the card without the customer’s knowledge (the card was stolen or compromised).

Chargeback procedure

After the customer files a request, the issuing bank opens a case, determines the reason for the chargeback, and decides whether to return the money to the customer or leave it with the merchant. As part of the investigation, the bank will contact the merchant and request proof of service delivery.

In Israel, according to the Payment Services Law of 2020, if a transaction is considered an «insufficient documentation transaction» (i.e., made without the physical presence of the card, which applies to all online payments), the customer receives a full refund if they contact the issuing bank within 30 days of receiving the charge notification.

Thus, the law provides significant protection for the consumer but can also lead to fraud and cancellations of legitimate transactions where the customer actually received the agreed service. Therefore, merchants are advised to collect and keep evidence of goods or services provided to the customer, especially for large amounts (e.g., contracts, receipts, emails, delivery confirmations).

If the bank establishes that the funds were withdrawn from the customer’s card illegally, they will be returned to the customer and deducted from the merchant’s balance.

Risks for merchants

Frequent chargebacks can have serious consequences for merchants. The main risk is financial loss due to refunds to customers. However, that is not the only risk:

• Fines and fees: Banks may impose fines for each chargeback, increasing financial pressure on the business.
• Deterioration of banking relationships: Frequent chargebacks can damage relationships with acquiring banks. This can lead to higher fees, worse cooperation terms, or even termination of the contract.
• Risk of being blacklisted: A high chargeback rate can result in being added to blacklists of payment systems, making it difficult to work with new acquirers and other financial institutions.
• Loss of reputation: Frequent chargebacks can damage the merchant’s reputation, creating distrust among customers and partners.

Tips for prevention

To minimize chargeback risks, merchants should take the following measures:

• Use secure payment methods: Activate 3DS for payments — a two-factor authentication method where the bank asks the customer to confirm the payment via the banking app or by entering an SMS code.
• Improve communication with customers: Quick and transparent communication helps avoid misunderstandings. It is important to respond to customer inquiries promptly and provide full information about goods and services.
• Collect and store evidence: Systematically keep all documents confirming the provision of services or delivery of goods. This will help protect the business in case of a chargeback.
• Clear refund policy: A transparent and easy-to-understand return policy can reduce the number of chargebacks, as customers will know how to return a product or cancel a service.

Fees

The average fee charged for handling a chargeback is 50 ILS.

Display in the interface and documents

If a chargeback was requested for a payment, a new transaction with a negative amount and the label <span class="u-richtext-element" style="background-color: rgba(221, 94, 94, 0.4)">chargeback</span> will appear on the payments screen.

A refund document will also be created: a credit invoice and/or a receipt with a negative amount — depending on the business type and the type of the previously issued document.

If the business disputed the chargeback and the dispute was resolved in favor of the business, the funds will be returned. In this case, a new transaction with a positive amount and the label <span class="u-richtext-element" style="background-color: rgba(68, 203, 138, 0.5)">chargeback revert</span> will appear on the payments screen.

A new income document will also be created: a receipt or a tax invoice/receipt — depending on the business type and document settings.

When a payment is created through an external website, API, or integration, Allpay by default considers that the transferred price of the product or service already includes VAT.

For example, if the website sends the following line item:

Product name: 116.82 ₪

Allpay displays this amount on the payment page as the final price of the line item:

Product name      116.82 ₪
Subtotal          99.00 ₪
VAT 18%           17.82 ₪
Total             116.82 ₪

This means that the line item price is displayed including VAT, while the breakdown below separately shows the amount before VAT, the VAT amount, and the total amount.

Why Allpay displays the line item price including VAT

There are two reasons for this: technical and legal.

Technical reason

When a payment is created through an external website or integration, Allpay receives already prepared data and assumes that the price submitted by the external website is the final price for the payer.

Allpay does not change the line item price and does not replace it with the price before VAT. We show the buyer the amount submitted by the website or integration.

This is especially important because the external website may have already calculated the price, discount, VAT, currency, subscription, or other conditions. Therefore, Allpay should not change the price of an individual line item at its own discretion.

Legal reason

The payment page is the screen the buyer sees before making the payment. Therefore, it is important to show a clear final price.

Israeli consumer protection law requires the full price of a product or service to be displayed to the consumer. The full price includes all mandatory charges, including VAT, if applicable.

The official explanation by the Consumer Protection and Fair Trade Authority also states that the full price of the product or service must be displayed.

Court practice usually interprets this requirement strictly: if the consumer is shown the price of a product or service without VAT, and VAT is added separately later, this may be considered a less transparent way of displaying the price.

Even if the total amount is shown below, a product line with a price before VAT may create the impression that the product is cheaper. It may also make it harder for the buyer to compare prices between different sellers.

For this reason, the safer and clearer approach for the payment page is to show each line item price including VAT, while displaying the breakdown separately below.

Accounting systems

Accounting systems may display the same payment differently.

For example, Morning may show the line item price before VAT, while EasyCount may show it including VAT.

Below is a screenshot with an example where the same payment is displayed differently in Morning and EasyCount:

Both options may be correct for an accounting document, as long as the final amounts match: the amount before VAT, the VAT amount, and the total amount.

However, the Allpay payment page is not an accounting document. It is the screen shown to the buyer before payment. Therefore, Allpay displays the line item price as the final price for the buyer, including VAT.

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.

“Donate” button

In the payment link settings, the “Pay” button label can be changed to “Donate”, which is better suited for charitable projects.

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.