How To Design Payments API

Many of the factors to consider when building an application program for accepting payments are the same as those for building any other software application. An API, or application program interface, is a set of instructions that tell a computer how to do something. When you want to create a payments API, you need to consider:

  • Some objects are already defined. You don’t get to decide how things like credit cards, ACH debits, authorizations, or refunds are handled, these have already been determined.
  • You don’t have to do everything. You may be used to dealing with cobbled together legacy code. When you start from scratch, you don’t have to follow those old rules. You can determine processes can be eliminated.
  • Users can tell when it’s done right. When it comes to payments, if your software is flawed, your users will let you know immediately.

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