Last changes: 09-18-2020


SmartPay is an end-to-end payment solution for selling to customers online. It may be thought of as the credit card terminal used to pay at the local grocery store. It makes sure customers’ payment information is transported safely and securely for processing.

When integrating with SmartPay, Volkswagen Payments S.A. provides a merchant account (which is used to route funds from customers’ accounts to the integrated party’s business bank account) and a payment gateway (connecting the integrated party to all banking institutions and payment processors that they need in order to collect money from their customers,) to facilitate their payment needs.

The integration takes place via the SmartPay Application Programming Interface (API) combined with the hosted SmartPay (JavaScript) Widget.

The Widget enables the acceptance of credit cards, PayPal, and many other payment methods.

The SmartPay Widget additionally enables acceptance of payments while maintaining PCI compliance without the need for meeting the comprehensive requirements of PCI DSS when accepting credit cards.

Following the guidance within this document, developers will be able to update the existing code of an online web shop to make requests to the SmartPay Servers using the API and Widget, enabling the automation of processes and customization of the way the shop interacts with the SmartPay solution.