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Payments (or Charges) represent the actual movement of funds from the customer to your account.

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Payment Intents

Credibill uses a Payment Intent workflow to handle complex payment flows like 3D Secure (SCA) authentication.
  1. Create Intent: You express an intent to collect money.
  2. Confirm: The customer confirms payment (enters card details).
  3. Authenticate (if needed): The customer performs 3DS verification.
  4. Capture: Funds are captured.

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Supported Methods

  • Cards: Visa, Mastercard, Amex, Discover, JCB, Diners Club.
  • Digital Wallets: Apple Pay, Google Pay.
  • Bank Debits: ACH (US), SEPA (Europe), Bacs (UK).

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Refunds

You can issue refunds fully or partially via the API or Dashboard. 
await credibill.refunds.create({
  charge: 'ch_...',
  amount: 500 // Partial refund of $5.00
});

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Disputes

If a customer disputes a charge (chargeback), funds are withdrawn from your account. You can submit evidence via the Dashboard to contest the dispute.