Overview
Here some information to help get you started using the LINK Payment API.
LINK Mobility's payment integration platform API consists of a set of functions that you can use to:
- Request payment from a Mobile user and allow the user to choose payment method (Phone/SMS or Card).
- Initiate transactions directly when you already know the payment method.
- See transaction status and billing information.
- Define your own callback URL's for receiving status information.
- Define your own URL's for user navigation and landingpages.
Before you can start using the API, you will receive 2 pieces of information that will be provided by LINK Mobility:
- A Company identification number.
- A secret key. (Important: This key is highly confidential and you must keep it secure at all times!)
If you want to accept Card payment, you will also need a Merchant account (see below).
Typical Flow of a Credit Card Payment
(click on the image to enlarge)
Before we get started, there are some key concepts to introduce—the Merchant (you) and the Payment Gateway.
What is a merchant account?
The merchant account is basically an online bank account that will temporarily hold your money (you are the merchant) until it is moved into your actual bank account. After a successful sale, money will be transferred into your merchant account and it will sit there for a predefined period of time, then, in most cases, it will automatically be transferred into your bank account – the one that you actually think of as your bank account where you withdraw funds and so forth. You can sort of think of your merchant account as a temporary holding tank for the money that comes in from online sales. LINK Mobility can help you get started with merchant accounts depending on the type of payments you want to accept. If you only need Mobile Subscription billing, a merchant account with LINK Mobility will be provided. If you also want to support credit card payment, you will need an external merchant account and provide LINK Mobility with your Merchant account information. LINK Mobility can assist you with acquiring a merchant account.
What is a Payment Gateway?
A Payment Gateway is the service that processes credit card or mobile phone billing transactions for you. When your customers are buying something, they enter their payment information (like credit card number) during the checkout process. The Payment Gateway is responsible for authorizing the transaction and processing the payment. In case of Card payment, if the credit card information submitted to the payment gateway matches the information on file with the credit card company and the charge is approved, the payment gateway will then transfer the money from your customers credit card into your merchant account. In the case of Phone billing, the system submits the payment request to the user's mobile operator, and if the user has sufficient funds on their subscription, the user will receive an SMS receipt that the funds have been deducted. The money from all the SMS transactions will be transferred to your bank account from LINK Mobility once a month.
The LINK Payment system is integrated with several payment gateways, and is continually expanding your options. Currently you can choose between the following:
- Credit/Debet card payments.
- Mobile phone subscription billing via premium SMS
What is a Pre-Transaction?
You can think of a pre-transaction as the
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How it works
- Your app or web front-end requests a client token from your server in order to initialize the client SDK
- Your server generates and sends a client token back to your client with the server SDK
- Once the client SDK is initialized and the customer has submitted payment information, the SDK communicates that information to Braintree, which returns a payment method nonce
- You then send the payment nonce to your server
- Your server code receives the payment method nonce from your client and then uses the server SDK to create a transaction or perform other Braintree functions detailed in theguides
- See our example integrations for a working demonstration.
API keys
Get your sandbox or production API keys from the Control Panel to complete your integration. Once you're ready to go live, be sure to switch from your sandbox API keys to production.
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