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Online payments

Take payments online. Keep more of them.

Cards, wallets and 20+ local methods in one checkout, with retries, fraud checks and disputes handled. As merchant of record, we take care of tax too.

Start buildingRead the docs

Explore the payment dashboard.

Interactive preview

/Linework
Product preview

Volume today

$380.66

pay_8Fk2

$53.35

Linework · Visa •••• 4242

Succeeded

  1. Created

  2. Authorized

  3. Captured

  4. Refunded

Subtotal
$49.00
Sales tax · NY
$4.35
Pandabase fee
−$3.65
You receive
$45.35

Tax is calculated, collected and filed by Pandabase as merchant of record.

Ways to get paid

Four ways to accept payments

Start with a link today and move to your own checkout later. Every option uses the same payments, tax and payouts.

Compare integrations

  1. Payment links

    Get paid with a link.

    Create a link from the dashboard and share it in an email, a DM or a QR code. No website needed.

    No code

    New payment linkNo code

    Pro plan

    $49.00

    pandabase.link/linework/pro-plan-430

    Share it anywhere. Prices show in the customer's currency.

  2. Hosted checkout

    Send customers to a page we run.

    Create a session on your server and redirect. Local methods, tax and 3D Secure are handled on our page, then customers come back to yours.

    Low code

    Hosted checkoutOne API call
    const session = await pandabase.checkout.sessions.create({
  items: [{ price: "price_pro_monthly" }],
  success_url: "https://linework.app/welcome",
});

return redirect(session.url);
    1. Customer clicks Upgradelinework.app/pricing
    2. Pays on our hosted pagecheckout.pandabase.io
    3. Lands back on your sitelinework.app/welcome

  3. Embedded checkout

    Keep customers on your site.

    Drop the same checkout into your own page. Customers never leave, and you choose how it looks.

    Some code

    Embedded checkoutYour page, our form
    linework.app/checkout

    Linework

    Pro plan

    $49.00

    Your layout, fonts and copy stay yours.

    Email
    Card number
    MM / YY · CVC
    Pay $49.00

    One component. Match your brand with a few options.

  4. Elements and API

    Build the whole flow yourself.

    Use Elements for the sensitive fields and the API for everything else. You control every screen.

    Full control

    Elements and the API
    const elements = pandabase.elements({ clientSecret });
elements.create("payment").mount("#payment");

form.addEventListener("submit", async (event) => {
  event.preventDefault();
  const { error } = await elements.confirmPayment({
    return_url: "https://linework.app/done",
  });
  if (error) showError(error.message);
});

    Build your own form. Card data still never touches your servers.

More payments approved

Recovering declined payments

Each square is one card payment. Turn on the tools that run on every Pandabase payment and watch declines turn into revenue.

Monthly card volume$500,000
Approval rate
88.0%
Won back each month
+$0
Still declined
120 / 1,000

Declines left

  • Insufficient funds38
  • Suspected fraud25
  • Expired or replaced card22
  • Do not honor20
  • Issuer unavailable15
  • Approved on the first try
  • Declined
  • Won back by network tokens
  • Won back by card updater
  • Won back by adaptive 3d secure
  • Won back by smart retries

Illustrative figures for 1,000 card payments. Results depend on your customers, markets and card mix.

Fraud protection

Fraud checks on every payment

Every payment gets a risk score in under 800ms. Move the thresholds to see the trade-off between catching fraud and letting good customers through.

Fraud stopped
90.8%
Sent to 3D Secure
5.2%
Good customers blocked
0.0%

Risk score

  • Good payments
  • Fraud

0–51Approve

52–79Ask for 3D Secure

80–100Block

Live payments

Why this score

¥7,400 · j•••@outlook.com

Approved · 2
  • Device seen before-14
  • Normal typing speed-6
  • Card used here before-10

Scores start at 32 and move with each signal. On orders we sell as merchant of record, fraud losses are ours.

Sample data. Move the thresholds to see how the trade-off shifts.

Local pricing

Prices in your customers' currencies

Customers see a clean local price with tax handled the way they're used to. You get paid in US dollars.

$/ month

Conversion is about 3–4% and paid by the customer. Payouts are always in US dollars. Example exchange rates.

Market
Customer pays 
56,00 €
MwSt. includedCollected and filed by Pandabase
8,64 €
Currency conversionPaid by the customer
1,89 €
Pandabase fee 
−$4.85

You receive from Germany

$44.57

Per sale, after tax and fees. Paid out in USD.

Merchant of record rate: 5.9% + 50¢, plus 1.5% outside the US.

Developers

The Payments API

A small, predictable API with SDKs for Node.js, Python and Go. Test mode, webhooks and idempotency built in.

  • Tax calculated for every country
  • Local methods picked for each customer
  • Idempotency keys on every request
Explore the docs
import Pandabase from "@pandabase/node";const pandabase = new Pandabase(process.env.PANDABASE_SECRET_KEY);const session = await pandabase.checkout.sessions.create(  {    items: [{ price: "price_pro_monthly", quantity: 1 }],    customer_email: "maria@example.com",    success_url: "https://linework.app/welcome",    cancel_url: "https://linework.app/pricing",  },  { idempotencyKey: "upgrade-user-1042" },);return Response.redirect(session.url, 303);

Create a checkout

One call creates a checkout with local methods, tax and 3D Secure. Send customers to it or embed it.

FAQ

Frequently asked questions

Answers about payments, pricing and getting paid. Ask us anything else.

  • Cards (Visa, Mastercard, Amex and Discover), Apple Pay and Google Pay everywhere, plus local methods where customers expect them, such as iDEAL in the Netherlands, Pix in Brazil, UPI in India and Alipay and WeChat Pay. Checkout shows the right ones for each customer automatically.