API Reference

Welcome

Welcome to the UPayments Gateway API, This API, powered by UInterfaceV2, lets you easily add secure payment processing to your e-commerce store, web, or mobile application.

Welcome to UInterface API

Integrate secure, seamless, and fast payment experiences into your website, app, or ecommerce store using the UPayments Payment Gateway, powered by UInterfaceV2.

Whether you're building on web or mobile, our API is designed to get you up and running quickly—with robust tools, modern features, and full support for Kuwait’s most trusted payment methods.

What is UInterfaceV2?

UInterfaceV2 is the next-generation payment gateway API by UPayments, built for simplicity, scalability, and security.

As a licensed financial services provider regulated by the Central Bank of Kuwait, UPayments ensures that every transaction you process is backed by industry-grade reliability and security.

Accepted Payment Methods

UInterface supports a broad range of local and international payment options, including:

  • KNET (Kuwait debit cards)
  • Credit Cards (Visa, Mastercard, etc.)
  • Apple Pay
  • Google Pay
  • Samsung Pay

Your customers can pay the way they prefer—with confidence and ease.

How It Works: The Payment Flow

Integrating payment functionality is more than just capturing money—it's about ensuring trust, speed, and smooth operation. Here’s a simplified look at how transactions are processed:

1. Initiation

  • Your customer starts the payment journey and selects a payment method.
  • You call the Add Charge endpoint to create a payment request.

2. Processing

a. Encryption & Transmission
Payment details are securely encrypted and transmitted to our gateway for processing.

b. Authorization Flow

  • The acquiring bank routes the request through the card network.
  • The issuing bank verifies the account and either approves or declines the transaction.
  • This response flows back through the network to you.

3. Transaction Response

  • If the transaction is successful, your customer is redirected to the returnUrl you provided.
  • If the transaction fails, is canceled, or remains pending, the customer is redirected to your cancelUrl.

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Tip: For the most reliable updates, implement a Webhook to receive real-time server-to-server payment status notifications.

4. Verifying Status

In case of network issues or redirect failures, use the Check Payment Status endpoint to verify the outcome at any time.

Beyond Payments

UInterfaceV2 goes beyond basic payments, offering tools that help you manage post-payment actions and streamline customer experiences.

💸 Refunds & Settlements

  • Use the Refund endpoint to issue full or partial refunds.
  • Funds are typically settled to your merchant bank account by the next business day.

🔐 Card Tokenization & Saved Cards

Allow returning customers to check out faster with saved payment methods:

🧾 More API Capabilities

Get Started

🚧 Test Environment

Set up and explore our sandbox environment:
👉 Test Environment Checklist

🚀 Production Access

To access your production API token:

  • Contact us at [email protected] or call +965 1809888

  • Or retrieve it from your Merchant Dashboard:

    1. Login to your UPayments account
    2. Go to the Payment Gateway section
    3. Access your credentials via the Gateway Details Page

API Access Screenshot


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