Introduction

Welcome to the PayGlobe Payment Gateway, your complete platform for payment management, dispute handling, and chargeback prevention.

Dashboard

The dashboard is your control center for monitoring all activities in your merchant account.

Overview

At the top you'll find summary statistics:

• Transactions Today - Total number of transactions for the day
• Volume Today - Total amount processed today
• Success Rate - Percentage of successfully completed transactions
• Open Disputes - Number of disputes awaiting response

Available Tabs

Transactions

View and manage all transactions processed by the gateway.

Available Filters

• Status - Filter by status (Completed, Failed, Refunded, etc.)
• Date - Date range
• Amount - Amount range
• Method - Card, PayPal, Voucher, etc.

Transaction Actions

Disputes (Chargebacks)

The Disputes tab shows all chargebacks received from card networks and pre-dispute alerts.

Dispute Status

Responding to a Dispute

1. Click the icon to open the dispute details
2. Review the details: amount, reason, deadline
3. Upload evidence (receipts, shipping tracking, customer emails, etc.)
4. Write a response in the "Merchant Response" field
5. Click "Submit Response" before the deadline

Accepted Evidence Types

• RECEIPT - Receipt or invoice
• SHIPPING_PROOF - Proof of shipment (tracking)
• DELIVERY_CONFIRMATION - Delivery confirmation with signature
• CUSTOMER_COMMUNICATION - Emails or chats with the customer
• TERMS_OF_SERVICE - Terms of service/refund policy
• PRODUCT_DESCRIPTION - Description of the product sold

Pre-Dispute Alerts

Pre-dispute alerts allow you to prevent chargebacks by refunding BEFORE they become formal.

Alert Sources

Auto-Refund Engine

Configure the system to automatically refund alerts that meet certain criteria:

Risk Analytics

Monitor your dispute rate to avoid sanctions from card networks.

Card Network Thresholds

Monitored Metrics

• Current Dispute Rate - Dispute/transaction ratio for the current month
• Risk Level - LOW, MODERATE, HIGH, CRITICAL
• Win Rate - Percentage of disputes won
• Amount at Risk - Total amount in open disputes
• Prevention Rate - Effectiveness of the alert prevention system

Risk Levels

Payment Links

Create shareable payment links via email, SMS, WhatsApp, or QR code.

Creating a Payment Link

1. Click "Create Payment Link" in the Payment Links tab
2. Enter amount, description, and customer data
3. Choose the mode: LINK, MAIL (IGFS sends email), or SMS
4. Set the expiration (1-365 days)
5. Click "Create" and copy the link or QR code

Common Uses

• Invoicing - Send invoices with payment link via email
• QR Code POS - Print QR codes for in-person payments
• Social Commerce - Share links on WhatsApp/Instagram
• Remote Sales - Accept payments without integrated checkout

Bank Account (AIS)

Monitor incoming bank transfers to your business bank account for automatic order matching and reconciliation.

Supported Banks

PayGlobe integrates with major European banks via PSD2 Open Banking APIs (Account Information Services - AIS):

How to Connect Your Bank Account

1. Click "Connect Bank Account" - In the Bank Account tab, click the green "Connect Bank Account" button to start the process
2. Select your bank - Choose your bank from the list of supported institutions
3. Authorize access via SCA - You will be redirected to your bank's website (e.g., Unicredit Online Banking) to log in and authorize PayGlobe to access your account information
4. Select accounts - Choose which bank accounts you want to monitor for incoming transfers
5. Confirm consent - Review and confirm the consent (valid for 90 days, then renewal required)

Automatic Polling

Once connected, the system automatically fetches new incoming transfers:

• Frequency - Up to 4 times per day (PSD2 regulatory limit)
• Schedule - Recommended: 8:00, 12:00, 16:00, 20:00
• Manual refresh - You can trigger a manual sync from the dashboard (counts toward daily limit)

Transfer Matching

The system tries to automatically match incoming transfers to your orders using:

• Payment Reference - Searches for order IDs/references in the transfer description (causale)
• Amount - Exact match of the expected payment amount
• Customer Name - Cross-reference with customer data when available
• Manual Matching - For unmatched transfers, you can manually link them to orders from the dashboard

Use Cases

Workflows

Automate actions based on payment events with the visual workflow builder.

Available Templates

• Personalize Orders - Send personalized emails after payment
• Dispute Response - Automatic notification when a dispute arrives
• Refund Processing - Workflow for refund approval

Available Triggers

API Keys

Manage API keys for programmatic integration.

Key Types

API Authentication

Authorization: Bearer sk_test_YourSecretKey

Webhooks

Receive real-time notifications when events occur in the gateway.

Configuration

1. Go to Settings > Webhook Configuration
2. Enter your Webhook URL (e.g.: https://yourserver.com/webhook)
3. Copy the automatically generated Webhook Secret
4. Implement signature verification in your backend

Signature Verification

Each webhook includes an X-PayGlobe-Signature header with HMAC-SHA256 signature:

// Node.js example
const crypto = require('crypto');

function verifyWebhook(payload, signature, secret) {
    const hmac = crypto.createHmac('sha256', secret);
    hmac.update(payload);
    return hmac.digest('base64') === signature;
}

Webhook Events

• payment.completed - Payment completed
• payment.failed - Payment failed
• refund.issued - Refund issued
• dispute.opened - New dispute
• dispute.resolved - Dispute resolved
• alert.received - Pre-dispute alert received

Payment Methods

Configure accepted payment methods.

Available Gateways

2FA Authentication

Two-factor authentication protects access to the dashboard.

2FA Setup

1. On first login, you will be shown a QR code
2. Scan the QR code with Google Authenticator or similar app
3. Enter the 6-digit code generated by the app
4. From now on, you'll need to enter the TOTP code at each login

Transaction Status Codes

Glossary

ARN (Acquirer Reference Number)

Unique transaction identifier assigned by the acquirer. Used to track the transaction in banking systems.

Chargeback

Forced refund request by the cardholder through their bank. Costs approximately €15-25 in fees plus the disputed amount.

Dispute Rate

Ratio between number of disputes and number of transactions in a period. Networks impose limits (Visa 0.9%, MC 1.0%).

IGFS

Internet Gateway Financial Services - Payment gateway for card transactions.

Pre-Dispute Alert

Early notification of a potential dispute, before it becomes a formal chargeback. Allows for preventive refunding.

PSP (Payment Service Provider)

Payment service provider that processes transactions (e.g.: IGFS, PayPal, Stripe).

RDR (Rapid Dispute Resolution)

Visa program for rapid dispute resolution through automatic refund.

SCA (Strong Customer Authentication)

Strong customer authentication required by PSD2. Includes 3D Secure for online payments.

TOTP (Time-based One-Time Password)

Time-based one-time password, used for 2FA authentication.

Webhook

HTTP notification sent by the gateway to your server when an event occurs (payment, dispute, etc.).

Support