Earn additional revenue by referring our Payment Gateway?
If you are a developer implementing payment solutions, you could earn additional revenue simply by referring Cashflows as your payment solution.
Payment integration made simple
Developer resources
We provide simple integrations through our rest APIs, using JavaScript Object Notation (JSON) to provide a structured and consistent way for you to send requests to our payment gateway.
Connect with powerful APIs
Our API uses standard HTTP response codes and familiar verbs, ensuring development remains simple and consistent.
Connect with powerful APIs
Our API uses standard HTTP response codes and familiar verbs, ensuring development remains simple and consistent.

Why Choose Cashflows Payment Gateway API?
Experience a developer-friendly payment API that makes integration effortless. Send JSON requests for seamless system connectivity, while enhanced security features like Configuration IDs and SHA512 hashes safeguard your data. Execute a comprehensive range of payment operations with ease, backed by clear documentation, standard HTTP response codes, and practical code examples in languages like Python, C#, Java, and more.
Why we think you will love Cashflows
Simple integrations
Connect with our payments technology quickly and easily with REST APIs and simple documentation. Integrates wirh the majority of CRM's old and new.
Monetisation Opportunities
As a developer, you can build, customise, or integrate applications with Cashflows, earning a percentage of the revenue generated from each transaction processed through the platform.
Referral Incentives
For high-performing contributors or creators who generate significant traffic or usage, Cashflows offers additional incentives, such as bonuses or higher revenue share percentages.
Dedicated relationship managers
Dedicated relationship managers who will focus on growing your business and our relationship together. Plus flexible commercial models, designed to help you win more business.
Plug-ins with the industry’s big tech players
We’ve built partnerships with some of the most innovative companies. Help your customers integrate with platforms such as Woocommerce, Bigcommerce, Magento and Operncart.
Get customers set up rapidly
With our Fast Onboarding tool, 86% of customers are boarded within 24 hours of submitting an application (March 2024)
Why your clients will love Cashflows
Excellent Customer Service
We all know technology can sometimes be frustrating. At Cashflows we pride ourselves on amazing customer service when it matters.
All major payment methods
We support all major payment methods including Visa, Mastercard, Apple Pay, and Google Pay so you never miss a sale.
Secure Payment Links
Send a ‘pay now’ button in an email, or include a link on quotes and invoices. So customers have a way to pay easily and securely at their fingertips.
Keep payments data safe and secure
With robust fraud prevention technology, our hosted payment pages include free PCI compliance. Plus 3DS 2.2 authentication as standard.
Honest Pricing
Our tiered pricing engine automatically matches rates to your transaction volume, so your client will never overpay.
Partner focused
Dedicated relationship managers who will focus on growing your business and our relationship together. Plus flexible commercial models, designed to help you win more business.
Plug-ins with the industry’s big tech players
We’ve built partnerships with some of the most innovative companies. Help your customers integrate with platforms such as WooCommerce, BigCommerce, Magento and Opencart.
Excellent Customer Service
We all know technology can sometimes be frustrating. At Cashflows we pride ourselves on amazing customer service when it matters.
Interchange++ and blended pricing
We offer a choice of pricing options, blended or Interchange ++. Different pricing models can help to win a wider-range of merchants – large and small.
Get customers set up rapidly with Fast Onboarding
With our Fast Onboarding tool, over 80% of customers are boarded within 24 hours of submitting an application.
All major payment methods
We support all major payment methods including Visa, Mastercard, Apple Pay, Google Pay and PayPal, so your merchants never miss a sale.
Included with our gateway

Virtual terminal

Pay by link

Real-time reporting
Wherever you are. Quick summary or nitty-gritty detail. Your online account lets you see your transactions in real-time, anytime. We put you in control.
Our customer reviews
Frequently Asked Questions
What is the Cashflows Gateway API and how does it work?
Our Gateway API is a REST-based interface designed to simplify your payment processes. You can send us requests in JSON format, and we'll handle all the secure transmission, extensive validation, and processing with our payment gateway. We then return the transaction status directly to your system.
Reference:
https://developer.cashflows.com/api_reference/cashflows_gateway.html#Introduction
What essential security measures do I need to implement when using the API?
Security is built into our core. Our API includes authentication and authorization checks by default. You'll use your unique Configuration ID and a SHA512 hash in the HTTP header of every API call. This hash isn't just for authentication; it ensures your messages are consistent and protected from tampering. All payment details are sent securely via HTTPS POST requests, and for added security, you might also need to whitelist specific IP addresses.
References: https://developer.cashflows.com/api_reference/cashflows_gateway.html#Authentication
https://developer.cashflows.com/api_reference/cashflows_gateway.html#section/IP-Whitelisting
How do I handle authentication and authorisation for API calls?
It's straightforward: just include your Configuration ID and the SHA512 hash in the HTTP header of each request. This combination authenticates your application and ensures the integrity of your data.
Reference: https://developer.cashflows.com/api_reference/cashflows_gateway.html#section/Authentication
What types of payment methods and currencies does the API support?
We support a wide range of global currencies, all compliant with ISO-4217, including GBP, EUR, USD, JPY, AUD, and CAD, among many others. For payment methods, you can process card payments easily, and we also support popular options like iDEAL, PayPal, and AfterPay. You can even use our API to dynamically retrieve a list of all supported payment methods via the SupportedPaymentMethods endpoint.
References:
https://developer.cashflows.com/api_reference/cashflows_gateway.html#tag/SupportedPaymentMethods
How can I test my integration before going live?
We provide a dedicated integration environment specifically for testing. This sandbox lets you simulate transactions and experiment with different payment scenarios without affecting any live data. Just reach out to us at techsupport@cashflows.com to request your integration account credentials—they're separate from your live production credentials.
Reference: https://developer.cashflows.com/api_reference/cashflows_gateway.html#section/Testing
How are transaction statuses communicated to my system?
For immediate feedback, our gateway uses standard HTTP response codes (e.g., 2xx for success and 4xx for issues) to indicate the status of your request directly. Our current documentation on the provided page does not explicitly detail the use of webhooks for asynchronous transaction status updates.
Reference: https://developer.cashflows.com/api_reference/cashflows_gateway.html#section/HTTP-header
What common error codes will I encounter and how should I handle them?
You'll see standard HTTP response codes to indicate the general status of a request. Beyond that, our API provides detailed error reports that include specific error and warning indicators, language, and a fatal error flag. These reports also link to relevant data, actions, and documentation to help you quickly understand and resolve any issues.
Reference: https://developer.cashflows.com/api_reference/cashflows_gateway.html#section/HTTP-header
How do I process refunds, cancellations, and recurring payments via the API?
Our API provides clear pathways for these operations:
- Refunds: You can easily initiate refunds through specific API calls by using the post method.
- Cancellations: Both entire payment jobs and individual payments can be cancelled using a patch method, with clear endpoints like /api/gateway/payment-jobs/{paymentJobReference}/payments/{paymentReference}/cancel. You'll receive a 200 Payment cancelled successfully response upon completion.
- Recurring Payments: We support recurring payment flows with options like "IsRecurringPaymentJobParent" and the recurrenceCriteria parameter, which you can use when setting up new payment jobs and refunds.
References: https://developer.cashflows.com/api_reference/cashflows_gateway.html#operation/post-api-gateway-payment-jobs-paymentjobreference-payments-paymentreference-1
What are the costs associated with using the Payment Gateway API?
Pricing is individual and tailored to your needs. We pride ourselves on being competitive and great value. Speak to one of our friendly sales team today to discuss your needs.