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Paytend

Paytend is a comprehensive digital banking solution offering IBAN accounts to users in the European Economic Area (EEA).

Supports in this guide: Payments

Provider website: paytend.com

Provider regulatory status

Per Paytend's own website, the Bank of Lithuania revoked Electronic Money Institution Licence No. 41 issued to UAB "Paytend Europe". As of 3 March 2026 the company is no longer authorised to issue electronic money, and it states that "no new payment transactions will be executed". Confirm current availability with Paytend and with your Corefy account manager before connecting a new account.


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

  1. Get your credentials (from Paytend)
  2. Connect in Dashboard
  3. Send an API request

Prerequisites: get from Paytend

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

  • Agent ID -> Corefy field agent_id.
  • Merchant ID -> Corefy field merchant_id.
  • Agent private key -> Corefy field agent_rsa_pri_key -> a file (your own RSA private key); used to sign every outgoing request and to decrypt Paytend's responses. Updatable after connection.
  • Paytend public key -> Corefy field paytend_rsa_pub_key -> a file (Paytend's RSA public key); used to encrypt the AES key sent with every request.

Payments processing (connect H2H Merchant account, create payment-invoice)

Connect H2H Merchant account in Corefy Dashboard

Step 1 - Open connection form

Open Paytend in the provider directory and press Connect at Paytend Provider Overview page in the New connection section. Choose H2H Merchant account.

Step 2 - Fill in fields and select settings

  • Agent ID
  • Merchant ID
  • Agent private key
  • Paytend public key
  • Test Mode -> (enable if you are using sandbox credentials)

Success

You have connected Paytend H2H Merchant account!


First request to Corefy API (MIN)

What it does: creates a payment-invoice; card data itself is collected and submitted separately by Corefy's checkout/SDK layer, not as part of this request.

Payment - MIN

POST /api/payment-invoices

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "6be05631-8710-4b14-a369-1928a2b70eda",
      "service": "payment_card_eur_hpp",
      "currency": "EUR",
      "amount": 100
    }
  }
}

Payment - MAX

POST /api/payment-invoices

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "199be985-c243-478a-86a8-4b8c902e5bb6",
      "service": "payment_card_eur_hpp",
      "currency": "EUR",
      "amount": 100,
      "customer": {
        "reference_id": "cus_123",
        "name": "John Doe",
        "email": "johndoe@email.com",
        "phone": "+441234567890",
        "address": {
          "full_address": "123 Baker street",
          "country": "GB",
          "city": "London",
          "post_code": "NW16XE"
        }
      }
    }
  }
}

Important

  • customer.address is entirely optional - if none of its fields are sent, the billing address block is simply left out of the request to Paytend, there is no fallback value sent in its place.
  • For Mastercard transactions specifically, Paytend requires an explicit 3-D Secure directive; Corefy sets it automatically from your account's 3DS configuration, no extra request field is needed on your side.

Extended request (MAX)

Why add extra fields (typical reasons): - Provide additional customer details for compliance/reconciliation - Positively influence conversion rate - Include optional fields required by your specific flow


Constants (fallback fields)

Constants are static values that Corefy can send to Paytend instead of dynamic data from your API request, when those fields are missing in the request.

Priority (predictable rule): 1. If a value is present in the request -> Corefy uses the request value 2. Else if the constant is set -> Corefy uses the constant 3. Else -> provider may reject the request or apply its defaults (depends on provider)

Currently available constants (constant -> Corefy API field)

  • REFUND_REASON -> sent with every refund request as refund_reason, not tied to a customer/payment field. Falls back to Refund operation if neither the request nor the Constant provides a value.

Refunds

Paytend supports partial refunds.

Important

Only one refund is allowed per payment - a second refund attempt against the same payment is not supported. Every refund can be actively reconciled afterwards to confirm its final status.


Additional info

  1. Request/response encryption - every request body is AES-encrypted; the AES key is itself encrypted with your Paytend public key before sending, and the full payload is signed using your Agent private key. Paytend's responses are encrypted and signed the same way, and are decrypted using the same Agent private key you provided - no separate key is needed to read responses.
  2. Active reconciliation - a callback from Paytend only signals that something happened; Corefy does not trust the callback payload's authenticity or its status on its own, and always sends an active reconciliation request to Paytend to confirm the real transaction status before finalizing it.
  3. No recurring - this connector does not support saving/charging a token through Corefy.
  4. Service naming - services follow the pattern payment_card_{currency}_hpp (e.g. payment_card_eur_hpp); confirm with your Corefy account manager which currencies/services are enabled for your Paytend account.

FAQ / Troubleshooting

  • Invalid credentials / signature or decryption errors -> verify that Agent ID, Merchant ID, Agent private key, and Paytend public key are an exactly matching set issued by Paytend, and that Test Mode matches the credential environment
  • Payment stays pending -> Corefy actively reconciles the transaction once Paytend's callback arrives; no action is normally needed on your side
  • Refund fails -> Paytend allows only one refund per payment; confirm no refund has already been issued for this payment and that the amount is valid
  • Currency or service is not supported -> confirm available currencies/services with Paytend and your Corefy account manager
  • Is Paytend still accepting new connections? -> Paytend's Electronic Money Institution Licence was revoked by the Bank of Lithuania effective 3 March 2026; confirm current availability directly with Paytend and your Corefy account manager before connecting

Question

Still looking for help connecting your Paytend account? Please contact our support team!