Benefit Payment Gateway (PG)

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Start accepting payments using Benefit Payment Gateway (PG), a fast and secure payment method in Bahrain.

Benefit Payment Gateway (PG) is a solution that enables merchants to process transactions through debit cards. Payments can be processed via websites or mobile applications.

To use Benefit PG, merchants must register via one of Benefit’s supported acquirers.

Use the details below to set up your request. To get a detailed view of all required and optional fields, see our API reference.

json
1{
2    "source": {
3        "type": "benefit"
4    },
5    "reference": 368,
6    "currency": "BHD",
7    "amount": 1000,
8    "processing_channel_id": "pc_ekaubqrravqupfxde7kxvd2t3i",
9    "success_url": "https://example.com/payments/success",
10    "failure_url": "https://example.com/payments/failure"
11}

If you receive a 202 response with status Pending, Benefit PG has accepted your transaction request.

json
1{
2    "id": "pay_qexughhq5l2unjpevzxovl5ksu",
3    "status": "Pending",
4    "reference": "368",
5    "_links": {
6        "self": {
7            "href": "https://gwc.ckotech.co/gateway/payments/pay_qexughhq5l2unjpevzxovl5ksu"
8        },
9        "redirect": {
10            "href": "https://www.test.benefit-gateway.bh/payment/paymentpage.htm?PaymentID=145202215328911475"
11        }
12    }
13}

To learn about payment status, you can set up webhooks to receive notifications.

You may receive the following webhooks when using Benefit PG:

You can use the id found in the payment response to retrieve details about an existing Benefit PG payment.

json
1{
2  "id": "pay_qexughhq5l2unjpevzxovl5ksu",
3  "requested_on": "2022-06-02T08:17:02.0430752Z",
4  "source": {
5    "type": "benefit"
6  },
7  "amount": 1000,
8  "currency": "BHD",
9  "payment_type": "Regular",
10  "reference": "368",
11  "status": "Pending",
12  "_links": {
13    "redirect": {
14      "href": "https://www.test.benefit-gateway.bh/payment/paymentpage.htm?PaymentID=145202215328911475"
15    },
16    "self": {
17      "href": "https://gwc.ckotech.co/gateway/payments/pay_qexughhq5l2unjpevzxovl5ksu"
18    },
19    "actions": {
20      "href": "https://gwc.ckotech.co/gateway/payments/pay_qexughhq5l2unjpevzxovl5ksu/actions"
21    }
22  }
23}

Benefit PG supports full, partial and multiple partial refunds. Note that you need to request partial refund enablement from Benefit when you sign up with them.

You can process a refund through the Dashboard or using the Refund API.

Disputes and chargebacks can be raised through the buyer's bank or through your acquiring company.

json
1{
2  "action_id": "act_mg6cqtudpuzund46uee3yrkvrm",
3  "_links": {
4    "payment": {
5      "href": "https://gwc.ckotech.co/gateway/payments/pay_soaizebivsxubh2pvdpsiaop6q"
6    }
7  }
8}

To start testing, you'll need to:

1. Register via Benefit’s supported acquirer.
2. Contact your Customer Success Manager to activate Benefit PG payments in the sandbox environment.
3. Create a Benefit PG payment transaction.
4. Check the transaction response in the sandbox environment.
5. Complete the payment transaction and check the result status.

You can use the following Benefit test cards to test a transaction