Accepting credit card payments

Overview

For card payments (Visa, Mastercard, Amex – including Apple Pay and Google Pay as wallet variants) you connect Kyvento to a payment service provider: Stripe or Unzer. PayPal can additionally be run in parallel.

Connecting Stripe

Under "Settings" → "Payments" → the "Stripe" tab you have two options:

• "Connect with Stripe" (recommended) – the guided Stripe Connect process: you go through the Stripe onboarding, and Kyvento shows the connection status (pending/connected). No key management required.
• "Configure manually" – you store your own API keys (publishable key, secret key, webhook secret) from your Stripe dashboard.

Kyvento charges exclusively via your Stripe connection – if there is no complete connection, the payment fails with a clear error message, never through a third-party account.

Connecting Unzer

In the "Unzer" tab you store the private key and public key and choose the mode (test/live). Stripe and Unzer are mutually exclusive – exactly one card provider is always active.

On saving, Kyvento verifies the keys directly with Unzer. If they do not belong together, or if a key belongs to the other mode (a test key in live operation), saving is rejected rather than accepted — otherwise the mistake would only surface on the first real payment. If the keys check out, Kyvento sets up the required webhooks at Unzer itself; there is nothing to configure by hand over there.

Which card brands and payment methods your Unzer contract covers is managed in the Unzer merchant portal. Kyvento shows what is enabled there — if you activate a new method, it appears here after the next synchronisation.

Enabling credit card

Once a provider is connected, you activate the "Credit card" payment method in the "General" tab – it then appears in the hosted checkout and the customer portal.

Strong customer authentication (3-D Secure)

Kyvento supports SCA/3DS in all relevant situations:

• In the checkout – if the bank requires confirmation, the 3DS prompt opens directly during the payment process.
• During a manual collection by your team – the customer automatically receives an email with a secure link to confirm the payment in the customer portal.
• On renewals – if the bank exceptionally requests renewed confirmation, Kyvento triggers the same confirmation flow.

Next steps

• Direct debit as a second payment method – see "Setting up SEPA direct debit"
• Add PayPal – see "Integrating PayPal"