API Differences

The Payment APIs and Collection APIs currently use different protocols and authentication mechanisms. In most cases, you will need to integrate with both APIs, so this section discusses the high-level differences between them.

API Differences

Compare the main feature and technology differences between the Payment APIs and the Collection APIs.

Payment APIs

Collection APIs

Protocol

SOAP

REST

Usually used by

Mobile Network Operators
Money Transfer Organizations

Merchants
E-commerce use-cases
Bi-directional use-cases

Includes portal access

Access reports in Portal

  • Access reports in Portal
  • Initiate transactions in Portal

Supports funds disbursements

Sync or Async

Async Only

Supports funds collections

No

Yes

Supports forex rates retrieval

Yes

No

Supports Webhooks (IPNS)

Yes

Yes

Supports retrieval of other objects

Account Balance Only

Account Balances,
Contacts, Transactions, Currencies,
Networks, Banks, Events and others

Includes client libraries

No

Yes


What’s Next

Get an overview of the first set of APIs - the Payment APIs