Integration Questions ​

Quick answers for integrating Checus payments

Merchant onboarding and order flow ​

1. Preparation ​

• How to check which payment methods are enabled?

  Log in to the Merchant Portal → 'Service Settings' → 'Information Management' → 'Contract Information'.

• Can a test account be provided?

  Checus provides card details for card payments. Other non-card payment methods do not require a test account; refer to the transaction testing docs.

2. Placing orders and the cashier

• How to troubleshoot order placement failures?

  See the Error Codes and adjust request parameters based on the returned error, then retry. If failures persist, contact Checus technical support.

• Can payment methods on the cashier be sorted/custom-ordered?

  Not supported at present; ordering follows local payment preferences automatically.

• How to specify which payment methods the cashier shows?

  • During integration: use the specified cashier mode, where the merchant controls which payment methods display and in what order.
  • For full hosted cashier already integrated: to adjust or hide certain methods, contact your account/business manager to configure.

• Can the merchant name displayed on the cashier be changed?

  Contact your account/business manager.

• Possible reasons a payment method does not appear on the cashier?

  Check:

  • Whether the method is enabled in your contract;
  • Whether the amount meets min/max limits and fee requirements.

User payment and transaction status

1. Status descriptions

• Success: The user paid successfully. Checus will settle according to your cycle; proceed to fulfillment.
• Failed: Payment not completed; will not be settled.
• Closed: The user did not complete payment or it was manually closed; treated as failed.
• Processing: Not yet confirmed successful; do not fulfill. A callback will notify when the status is updated.

2. Common payment issues

• User claims payment succeeded, but order shows Processing/Failed?

  Collect and submit the following to Checus technical support for investigation:

  • Order number
  • User ID
  • Screenshot of payment proof Common causes include:
  • Channel status update delay
  • The order has been refunded; ask the user to check account history
  • The payment actually failed (interruption, verification failure, etc.)

• Why did we receive a success callback for an order marked failed?

  Some payment methods do not support refunds. After confirming the user's payment succeeded, Checus may correct the order status. In rare cases a failed order may change to success and a success callback will be sent. Fulfill based on the final callback.

• Why didn't we receive a payment callback?

  Callbacks are sent only when the order reaches a terminal state (Success/Failed/Closed) and a callback URL is configured. Please confirm:

  a. Whether a callback URL was passed or configured;

  b. Whether the cashier interaction completed (e.g., in mocked failure scenarios, if the user does not click "Return to Merchant", no callback will be sent).

Operations-related questions

1. Payment configuration and experience

• What FX rate is used?

  In the Merchant Portal, go to 'FX Management' → 'Real-time Rates' to view the current rate in effect.

• How many saved cards can the cashier show at most?

  Up to 10. Priority is by most recent successful payments; the rest by binding time.

2. Settlement

• Why hasn't the order been settled yet?

  Only successful orders generate settlement statements after the settlement cycle. See the cycle in the Contract Information page.

• Reasons a settlement to bank card might fail?

  • Amount does not meet the threshold (e.g., min 1000 USD)
  • The payment method does not support settlement to card (e.g., some Egypt methods)

• How long does settlement to card take to arrive?

  Finance processes within T+3; you can track progress in the portal.

3. Refunds

• Refund eligibility?

  Refunds are supported only when:

  • The order succeeded and is within 180 days;
  • The payment method supports refunds;
  • The merchant account balance is sufficient to cover the refund.

• How to initiate a refund?

  Either:

  • From the order details page in the Merchant Portal; or
  • Via the refund API.

• Refund arrival time?

  After channel acceptance, funds are typically returned to the user's account within 1–15 business days.

• Why does it show refund successful but the user hasn't received funds?

  It means the channel has accepted the request. Arrival time depends on channel processing, typically within 1–15 days. You may reply to users accordingly.