Payment Operations and Integrations
The operational and technical side of payments: settlement, reconciliation, webhooks, idempotency, batch files vs APIs, environments and error codes.
Practical answers for teams running and integrating payments, covering settlement and reconciliation, webhooks and callbacks, integration models and day-to-day operational hygiene.
Topics in this section
- Clearing, Settlement and Reconciliation Explained
- How Does Merchant Settlement Work and What Are Reserves?
- Why Are Payment Statuses Asynchronous?
- What Are Payment Webhooks and Callbacks?
- What Is Idempotency and How Do You Prevent Duplicate Payments?
- How Do You Handle Payment Retries and Stuck Payments?
- Which Payment Integration Model Should You Choose?
- Batch Files vs APIs: Which Integration Is Right for You?
- How Do API Authentication and Request Signatures Work?
- Sandbox, UAT and Production Environments Explained
- How Do Payment Error and Reason Codes Work?
- Logging, Data Masking and Audit Trails for Payments
- How Does API Versioning and Change Management Work?
National Payment System
An overview of the national payment system, the role of the SARB, PASA and BankservAfrica, and the clearing streams that move money in South Africa.
Clearing and Settlement
How cleared transactions become settled funds, why settlement timing differs by payment method, and how reconciliation ties it all back to your books.