ISX

Supports in this guide: Payments, Payouts

Provider website: isx.financial

What you need to do for start processing transactions (brief summary)

1. Choose your account type
2. Get your credentials (from ISX)
3. Connect in Dashboard
4. Send an API request

Choose account type

ISX can be connected in different ways (depending on your needs):

• H2H Merchant account -> card Payments.
• Provider account -> bank transfer Payouts.

Prerequisites: get from ISX

Contact your ISX account manager to get your account verified and receive the following credentials.

For H2H Merchant account (Payments):

• Merchant ID -> Corefy field merchant_id.
• Client Name -> Corefy field client_name -> identifies Corefy to ISX on every request.
• Workflow -> Corefy field workflow -> an account-specific processing workflow identifier, given by ISX.
• Bearer Token -> Corefy field bearer_token -> used to authenticate every request.
• Notification Token -> Corefy field notification_token -> used to verify callback notifications from ISX.
• Save Instant Token (optional) -> Corefy field save_instant_token -> enable to allow recurring charges (see Recurring below).

For Provider account (Payouts):

• Merchant ID -> Corefy field merchant_id.
• API Key -> Corefy field api_key.
• Callback Secret -> Corefy field callback_secret -> used to verify payout callback notifications from ISX.
• API URL (optional) -> Corefy field api_url.

USD, JPY (Payments). Payout currencies depend on your ISX account setup - check with your Corefy account manager.

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "8e3dbbb0-17af-4c9a-bedb-93bdac6900a2",
      "service": "payment_card_usd_hpp",
      "currency": "USD",
      "amount": 10,
      "customer": {
        "reference_id": "cus_123"
      }
    }
  }
}

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "6795502c-e27d-4d07-85e0-93245aab9a3f",
      "service": "payment_card_usd_hpp",
      "currency": "USD",
      "amount": 10,
      "customer": {
        "reference_id": "cus_123",
        "name": "John Smith",
        "email": "johnsmith@gmail.com",
        "phone": "+15551234567",
        "address": {
          "country": "US",
          "city": "New York",
          "street": "1 Main street",
          "post_code": "10001"
        }
      }
    }
  }
}

{
  "data": {
    "type": "payout-invoice",
    "attributes": {
      "reference_id": "a1c9f6a0-2d5e-4a7b-9b1e-6a3f0d8c7b2a",
      "service": "bank_transfer_eur",
      "currency": "EUR",
      "amount": 100,
      "customer": {
        "reference_id": "cus_123"
      },
      "fields": {
        "beneficiary_first_name": "John",
        "beneficiary_last_name": "Smith",
        "beneficiary_iban": "DE89370400440532013000"
      }
    }
  }
}

Additional info

1. Callback routing is automatic (Payments) - Corefy generates the callback/return URLs per transaction, nothing to configure in ISX's own back-office.
2. Payouts use a signed callback - ISX signs every payout callback with an HMAC-SHA512 signature in the X-Content-Signature header, verified by Corefy against your Callback Secret - a callback that fails this check is rejected.
3. Active payout reconciliation is also available - in addition to the signed callback, Corefy can actively check a payout's status with ISX.
4. Account types are independent - the H2H Merchant account (Payments) and Provider account (Payouts) are two separate Dashboard connections with their own credential sets.

FAQ / Troubleshooting

• Recurring charge rejected with an invalid-amount error -> by default, a recurring charge must match the original sale's amount exactly - enable send_money_in_tokenize_request if you need to charge a different amount
• Invalid credentials / auth error (Payments) -> verify Merchant ID/Bearer Token for the selected environment
• Callback signature fails (Payments) -> verify the Notification Token matches what's configured on your ISX account
• Refund fails on a second attempt -> only one refund per payment is supported
• Currency or service is not supported -> confirm allowed currencies/features in your ISX account and in Corefy
• Invalid credentials / auth error (Payouts) -> verify Merchant ID/API Key for the selected environment
• Payout callback signature fails -> verify the Callback Secret matches what's configured on your ISX account
• Payout fails for CAD/AUD/USD/NOK/NZD -> these currencies route through ISX's remittance rail; confirm the beneficiary's bank details match what that rail expects (IBAN, or sort code + account number)