Payment gateways

A gateway is the payment provider that moves the money for a payment. Comecero sends each payment to one of your gateways and keeps the result. You can get paid in two ways:

In test mode every account already has the Comecero Test Gateway, so you can build and test before you choose.

Choose how you get paidCopy Anchor Link

In the dashboard, click Choose how you get paid on the banner at the top. It opens How do you want to get paid?

• Comecero Express Payments: you go to Express and fill in your business, its owners and your bank account, then accept the terms. If something more is needed later, the Express page lists it under Actions Required. You do not add an Express gateway yourself: it is made for you.
• Your own gateway: connect it under Gateways as below.

Connect your own gatewayCopy Anchor Link

You can do the same with the API: Get gateway options lists the providers and the fields each needs, and Create a gateway adds one with a secret token.

curl -X POST https://api.comecero.com/api/v1/gateways \
  -H "Authorization: Bearer $COMECERO_TEST_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "provider_id": "stripe",
    "payment_method_types": ["credit_card"],
    "card_types": ["Visa", "MasterCard", "American Express"],
    "currencies": ["USD", "EUR"],
    "active": true,
    "fields": { "secret_key": "sk_test_..." }
  }'

• A new gateway is inactive unless you send "active": true.
• provider_id and payment_method_types cannot be changed later. Make a new gateway instead.
• Card brands are written as shown in the options, such as Visa and MasterCard.
• A live gateway that has payments cannot be deleted. Turn it off instead.

How Comecero picks a gatewayCopy Anchor Link

For each payment, Comecero:

1. Takes your active gateways that accept the payment's currency and payment method. For cards, the card brand must be in Card Types.
2. Puts them in a random order weighted by Weight. A gateway with weight 0 goes last.
3. Sends the payment to the first one.

If that gateway declines the card, Comecero can send the same payment to the next gateway in the list, up to Maximum Gateway Attempts under Settings > Payment (new accounts start at 2; set 1 to never try a second gateway). It does not try again after a failed security code or address check, after a timeout, or on Comecero Express Payments. Each try is kept on the payment. See Gateway weight for more.

A secret or trusted token can also pick the gateway: send gateway_id on the payment.

3-D SecureCopy Anchor Link

3-D Secure is the bank's own check, where the shopper confirms the payment in their banking app. It works on Comecero Express Payments, PayPal cards and Elavon gateways. When the bank asks for it, the payment comes back waiting for the shopper. See Payments that wait for the shopper.

Test your gatewayCopy Anchor Link

• With the Comecero Test Gateway, use the test cards. They also let you test declines, timeouts and failed refunds.
• With your own provider's sandbox gateway, use that provider's test cards.

Before you go live, see the Going live checklist.