A worldwide online payment system called Digital River was developed to increase revenue and enhance conversions. Digital River collaborates with the top fintech, payment processors, and payment gateways around the globe to provide you with the finest in the business in a single, all-inclusive payment solution.

Requirements

Your shop must adhere to the general and product criteria outlined in Digital River’s guidelines in addition to being situated in an approved country to utilize the service. Before logging in to Digital River, all other payment interfaces must be disabled.

Global payment methods

To increase your conversions, Digital River supports several different payment methods in addition to credit cards:

Cards

The most common form of payment worldwide is the use of cards. By entering their card information at the checkout, customers may pay for an online transaction using a debit or credit card.

Electronic wallets

These transactions, often known as e-wallets, enable customers to save a chosen payment method or bank account inside of a digital or mobile application.

Get it now, and pay later

Buyers may use Buy Now Pay Later alternatives to make purchases and pay for them later via installment payments, financing, or invoicing methods based on a credit agreement.

Cash

Cash-based payment systems enable online ordering while requiring payment in person at a predetermined location, such as a convenience shop, or when the purchase is delivered.

Money Transfer

Shoppers may safely pay for their goods from their bank accounts through bank transfer payments. In general, bank transfers are handled in 3 to 4 business days.

Wire transfer

Payments may be electronically sent from one bank account to another in real-time or almost real-time via wire transfers.

You must activate every payment option from your Digital River dashboard. There are currently no Apple Pay, SEPA Direct Debit, IBP, or Korea Bank Transfer integrations available.

Credit cards

Customers may buy products or services on credit using the credit card payment option, which offers a quick and safe purchasing experience. American Express, Diners Club, Discover, JCB, Maestro, MasterCard, and Visa are among the card brands that are accepted.

Merchant conditions

You must allow credit cards in your Digital River account. Once enabled, all acceptable card brands must be accepted. The supported currency must be specified for the payment method inside your Digital River account.

Fraud avoidance

The internal fraud engine of Digital River is called Transaction Defender. Depending on their assessment of the transaction, Digital River either accepts or rejects transactions. To activate and use this function, no manual setup is necessary.

Sending queries to the Digital River API

To begin sending queries to the Digital River API:

Establish a test account

Create a test account on the dashboard before you can start sending queries to the Digital River API. You may obtain your account’s API keys after you successfully log in to Dashboard. A total of four keys are given to your account: a public and private API Key for submitting requests in both test and production modes. To examine your public keys, switch between Test and Production on the Dashboard. Click Reveal test token or Reveal token to reveal your secret key. Your API calls are authenticated by Digital River using these keys. Whether a request is in production mode or test mode depends on the API key you provide to authenticate it. The API produces an error if you fail to supply your key or if you use an invalid or out-of-date key.

Make a test request

You should make a test request as soon as you get access to your API credentials. The actions listed below show you how to achieve this:

• Visit the GitHub page for the Digital River API postman collection.
• Click Run in Postman and choose Postman for Windows to install the Digital River API Postman Collection.
• On the newly imported Digital River Collection, choose Edit by clicking the ‘…’ button.
• Pick the Variables tab in the Edit Collection window.
• Paste your private test key into the Initial Value and Current Value boxes for the secretKey variable.
• Press Save.
• Go back to the collection and open the Create a physical SKU request after expanding the Create a Client-fulfilled SKU folder.
• Select Send. A 201 Created status code appears in the response when a request is successful in creating an SKU.

Examine possible integrations

You are now prepared to go further after completing a straightforward test request. To meet your company objectives, Digital River provides several integration options:

Built-in check

A ready-made checkout and payment process that doesn’t involve a lot of front-end work and is low-code

Streamlined integrations

A method to create checkout and payment experiences that is more configurable. Use Digital River’s safe front-end elements and adaptable API suite with this option.

Connectors

You may connect to Digital River’s payment processing, fraud detection, tax exemption, and disclosure services via pre-built partner interfaces.