Developers Guides Payment Methods

Payment Methods

Activate, deactivate, and list payment methods for a merchant. Manage card, Swish, Klarna, AMEX, Vipps, MobilePay, and more via the API or Partner Portal.

Online API Payment Methods In-Store

Overview

Card payments are enabled by default for all merchants. Use the Payment Methods API to activate or deactivate additional methods like Swish, Klarna, AMEX, Vipps, MobilePay, B2B invoicing, and account-to-account transfers. Payment methods can be set at the merchant or store level.

Available Payment Methods

MethodParameterDescription
CardcardVisa, Mastercard (enabled by default)
AMEXamexAmerican Express
SwishswishSwedish mobile payments
KlarnaklarnaBuy now, pay later
B2B Invoiceb2binvB2B invoice payments
Account-to-Accountacc2accBank transfer
VippssvippsNorwegian mobile payments
MobilePaysmobilepayDanish mobile payments

Activate Payment Methods

Enable one or more payment methods for a merchant in a single request. Set each method to true to activate it.

POST /merchants/:merchantId/payment-methods

Request

{
  "card": true,
  "swish": true,
  "klarna": true,
  "b2binv": true
}

Response

{
  "status": "SUCCESS",
  "data": [
    {
      "method": "card",
      "paymentMethodId": "pm_abc123",
      "status": "SUCCESS"
    },
    {
      "method": "swish",
      "paymentMethodId": "pm_def456",
      "status": "SUCCESS"
    }
  ],
  "message": "Payment methods activated successfully"
}

Each activated method returns a paymentMethodId you’ll need for fetching details or deactivating later.

Via Partner Portal

  1. Log in to the Partner Portal > Merchants > select the merchant > Payment Methods
  2. Select the payment methods you want to enable
  3. Click Activate Selected Methods

List All Payment Methods

Retrieve all available payment methods and their activation status for a merchant.

GET /merchants/:merchantId/payment-methods

Response

{
  "status": "SUCCESS",
  "data": [
    {
      "paymentMethodId": "pm_abc123",
      "paymentMethod": "CARD"
    },
    {
      "paymentMethodId": "pm_def456",
      "paymentMethod": "SWISH"
    }
  ],
  "message": "Payment methods retrieved successfully"
}

Get Payment Method Details

Fetch the configuration and status of a specific payment method.

GET /merchants/:merchantId/payment-methods/:paymentMethodId

Response

{
  "status": "SUCCESS",
  "data": {
    "paymentMethodId": "pm_abc123",
    "paymentMethod": "CARD",
    "status": "ACTIVATED",
    "acquirerMID": "12345678"
  },
  "message": "Payment method retrieved successfully"
}

The status field is either ACTIVATED or DEACTIVATED. For AMEX, the response includes an amexMID. For card payments, it includes an acquirerMID.

Deactivate a Payment Method

Remove a payment method from a merchant using its paymentMethodId.

DELETE /merchants/:merchantId/payment-methods/:paymentMethodId

Response

{
  "status": "SUCCESS",
  "message": "Payment method deactivated successfully"
}

Via Partner Portal

  1. Log in to the Partner Portal > Merchants > select the merchant > Payment Methods
  2. Find the method to remove and click the Delete icon

Store-Level Configuration

You can scope payment methods to a specific store by including storeId in the activation request:

{
  "storeId": "YOUR_STORE_ID",
  "swish": true,
  "klarna": true
}

This lets different stores under the same merchant accept different payment methods.

Other Guides

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Self-Hosted Checkout

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Server-to-Server API

Process online payments entirely from your backend with Merchant Initiated Transactions. Full control over recurring payments, subscriptions, and tokenized card flows.

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Create an Order

Learn how to create orders with line items, tax, customer details, and control functions. The starting point for accepting payments with the Surfboard API.

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Merchant Onboarding

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Payment Lifecycle

Manage the full payment lifecycle from order creation through capture, void, cancel, and refund operations using the Surfboard Payments API.

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Capture a Payment

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Terminal & Device Management

Manage payment terminals and devices via the Surfboard API. Register in-store and online terminals, configure settings, and handle device operations.

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Cancel a Payment

Stop an in-progress payment before it completes. Use cancellation when a customer abandons checkout or a payment needs to be halted mid-process.

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Webhooks & Notifications

Receive real-time event notifications via webhooks, email, Slack, and SFTP. Subscribe to payment events and settlement reports for merchants and partners.

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Recurring Payments

Implement subscription billing and recurring charges using tokenization, recurring payment configuration, and Merchant Initiated Transactions.

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Void a Payment

Reverse a completed payment before settlement. Voiding stops funds from transferring to the merchant's account, avoiding incorrect transactions.

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Receipts

Generate, email, print, and customise receipts for in-store transactions using the Surfboard Receipts API.

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Refund an Order

Process a full refund by creating a return order with negative quantities. Covers the complete refund flow with API examples and payment method requirements.

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Partial Refund

Refund specific items or a reduced amount from a completed order. Process partial returns by creating a return order with only the items to be refunded.

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Tips Configuration

Configure tipping on Surfboard payment terminals at the merchant, store, or terminal level using a hierarchical override model.

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NFC Tag Reading

Use the NFC Reading API to create tag-reading sessions on payment terminals, scan NFC/RFID-tagged products, and retrieve scanned tag data.

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Partial Payments

Split an order across multiple payment methods or transactions. Accept card, cash, and Swish in any combination to settle a single order.

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Multi-Merchant Terminals

Set up shared payment terminals for multiple merchants using the Multi-Merchant Group API. Ideal for food courts, events, and co-located businesses.

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Store Management

Create, update, verify, and manage in-store and online stores using the Surfboard Payments Store APIs.

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Product Catalog

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Settlements & Reporting

Retrieve settlement reports, view adjustments, manage merchant charges, and register customer profiles for reconciliation and billing.

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Account & Service Provider Management

Create merchant and partner accounts, manage user roles, register service providers, and configure external notifications via the Surfboard API.

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Client Auth Tokens

Generate client-side authentication tokens for secure API access from browsers and mobile apps without exposing your API key or secret.

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Partner Branding

Configure white-label branding for terminals and payment pages. Set colors, fonts, logos, and cover images at the partner level via API or Partner Portal.

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