Karma Payments’ solutions are incorporated multiple ways within a website or mobile platform. Options vary based on ease of integration, required resources, features, and additional security.

We partner with Trustwave to provide free PCI vulnerability scan for our partners. We also offer EMV Chip Card SDK for organizations that interface directly with EMV devices.

Three Step Redirect API

The easiest API for customized, web-based payment processing allows organizations to quickly integrate with our services, without sacrificing programmatic control over workflow. This method significantly reduces a merchant's PCI footprint without sacrificing end-user look and feel.

Three Step Redirect API is required when using Verified by Visa/Mastercard SecureCode (3D Secure). 3D Secure service allows organizations to accept foreign or domestic transactions with confidence, thanks to additional security verification provided by Verified by Visa/Mastercard.

Direct Post API

This is the preferred integration method for both web-based and non web-based payment applications; organizations must pass a PCI vulnerability scan before use. With Karma Payments, PCI vulnerability scans care included with a merchant account.

Direct Post API allows for native integration with Apple Pay, acquires retail data (magnetic stripe data for several vendors), and provides a recurring payments options while securely storing patron details.

Karma Payments’ Direct Post API supports partial payments, enabling donors to pay in installments.

We provide code examples for several languages and platforms.

Mobile SDK

Mobile SDK supports iOS and Android devices. They include a mobile card reader library to simplify integrations for applications requiring encrypted mobile card readers. An end-to-end encryption library is also included, allowing merchants to send swiped and keyed-in payment information, without ever touching any sensitive data.

Query API

Our Query API allows merchants to download a detailed stream of transaction data. This dataset can then be used to create in-house reports and analytics.

QuickClick Shopping Cart

QuickClick is a great option for e-commerce merchants who do not have an IT team or developer on staff. A button-generator is included, which allows merchants to create website links to products and services without any previous development experience.

EMV Chip Card SDK

The EMV Chip Card SDK is a Windows-based software development kit that abstracts the complexities of interfacing directly with hardware terminals.

Third Party Shopping Carts

There are numerous third party shopping carts integrated with the payment gateway. This is the best option for merchants who need a full featured turn-key shopping cart, conveniently out of the box.

Impeccable customer service paired with industry leading features will magnify your success.

Partner with us today!