Accept Online Payments with the Paydios Checkout API

Paydios lets you accept one-time payments globally through hosted checkout sessions. Create a session server-side, redirect your customer to the Paydios-hosted checkout page, and then verify the result — all without building or maintaining your own payment UI.

How checkout works

Create a checkout session server-side using the Paydios API or PHP SDK.
Redirect the customer to the checkout_url returned in the session response.
Customer pays using their preferred method — card, wallet, crypto, or local rail.
Verify the session by polling the verify endpoint or listening for a webhook notification to confirm payment status.

Create a checkout session

Call the sessions endpoint with your merchant ID, the amount in the smallest currency unit (e.g. cents for USD), currency, and an optional description.

PHP SDK
cURL

use Paydios\Client;

$pk = new Client(['secret_key' => 'sk_live_xxx']);

$session = $pk->sessions()->create($merchantId, [
    'amount'      => 2999,          // amount in cents
    'currency'    => 'USD',
    'description' => 'Order #1042',
    'source'      => 'custom_php',
]);

$sessionId   = $session['session_id'];
$checkoutUrl = $session['checkout_url']; // redirect your customer here

curl -X POST https://api.paydios.io/merchant-api/{merchant_id}/checkout-sessions \
  -H "Authorization: Bearer sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 2999,
    "currency": "USD",
    "description": "Order #1042",
    "source": "custom_php"
  }'

Request parameters

integer

required

The payment amount in the smallest currency unit — for example, cents for USD. To charge $29.99, send 2999.

string

required

ISO 4217 currency code, e.g. USD, EUR, GBP. Paydios supports 135+ currencies.

string

A human-readable description of the purchase shown to the customer on the checkout page, e.g. Order #1042.

string

An optional identifier for the integration source, used to tag sessions in the dashboard. For example, custom_php, wordpress, or laravel.

Verify payment status

After the customer completes checkout, verify the session to confirm whether the payment succeeded.

PHP SDK
cURL

$status = $pk->sessions()->verify($merchantId, $sessionId);

if ($status['status'] === 'paid') {
    // fulfil the order
} elseif ($status['status'] === 'pending') {
    // payment is still processing — check again shortly
} else {
    // payment failed — prompt the customer to retry
}

curl -X GET https://api.paydios.io/merchant-api/{merchant_id}/{session_id} \
  -H "Authorization: Bearer sk_live_xxx"

The response includes a status field with one of the following values:

Status	Meaning
`paid`	Payment completed successfully. Safe to fulfil the order.
`pending`	Payment is still processing. Poll again after a short delay.
`failed`	Payment was not completed. Prompt the customer to retry.

Supported payment methods

Paydios automatically shows all available payment methods at checkout based on your customer’s location and device. Credit & Debit Cards

Visa
Mastercard
American Express
JCB
Discover
Diners Club
Maestro

Digital Wallets

Google Pay
Apple Pay
Revolut Pay

Cryptocurrencies

Bitcoin (BTC)
Ethereum (ETH)
Solana (SOL)
Tether (USDT)
USD Coin (USDC)
TRON (TRX)
BNB Chain (BNB)

Local Rails

PIX — Brazil instant bank transfer

Buy Now, Pay Later

Klarna BNPL — available in Europe and the US

Use webhooks for automated, real-time payment notifications instead of polling the verify endpoint. Webhooks fire the moment a payment status changes, making them the recommended approach for production fulfilment flows. Configure your webhook endpoint from Settings → Webhooks in the dashboard.

Get Started

Core Features

Merchant Account

Integrations

Platform & Security

Accept Online Payments with the Paydios Checkout API

How checkout works

Create a checkout session

Request parameters

Verify payment status

Supported payment methods

​How checkout works

​Create a checkout session

​Request parameters

​Verify payment status

​Supported payment methods

How checkout works

Create a checkout session

Request parameters

Verify payment status

Supported payment methods