---
title: "Selecting the right integration"
slug: "payment-solution-comparison"
updated: 2025-02-20T12:25:33Z
published: 2025-02-20T12:25:33Z
canonical: "docs.apcopay.com/payment-solution-comparison"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.apcopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Solution Comparison

### Integration Types

Use this page to compare the features of our integration solutions:
 - Hosted Payment Page
 - Payment Operations API ( requires `'SAQ D PCI certification' when processing card payments with raw card data)
 - Payment Links

### Payment Flow

**Hosted Payment Page** and **Payment Links** are comprehensive, end-to-end solutions that manage card tokenization, processing of Alternative Payment Methods, payment requests, and authentication seamlessly.

The **Payments Operations API** requires a higher level of technical integration effort, including the implementation and management of 3D Secure authentication.


### Integrated payment methods
- Our Hosted Payment Page and Payments Links accept **cards payments** (Visa & Mastercard) along with a [full list of Alternative Payment Methods](/v1/docs/apm-specifications). 
</br>
- Our Payments API supports the payment types detailed in the table below:

| Payment Flow | Supported Methods |
| --- | --- |
| Deposit | Card Transactions |
| Withdrawal | Card Transactions <br> Alternative Payment Methods |

### Payment form configuration ###

Our hosted payment page presents customers with a payment form that offers diverse configuration and customisation options. Upon completing the payment, both the hosted payment page and payment links will redirect customers to a designated URL.

### PCI DSS certification level ###

To process payments using the full card details via the Payments API, you must have **`'SAQ D PCI Compliance'`**.

If you do not have the necessary PCI DSS certification, you must use our hosted payment page or Payment Links to collect raw card data.

### Solution Comparison Table ####
The table below outlines the available payment processing options for each product, along with the corresponding technical effort required and PCI responsibilities.

| Integration Method | Payment Processing | Support Transaction Types | Technical Effort Needed | Card Data Collection | PCI Responsibilities |
| --- | --- | --- | --- | --- | --- |
| [**Hosted Payment Page**](/v1/docs/create-a-hosted-payment-page-session) | Card Payments, APMs | **`Auth`**, **`Purc`** | Minimal effort needed for integration. The hosted page will handle the end-to-end flow of the transaction including the 3D-Secure authentication where applicable. <br> <br> **`Capt`**, **`Refund`**, **`OrginalCredit`** and **`Voids`** must be processed via the Payments API as no customer input is required.   | We handle the card data. The customer enters the card details directly on our page | As we host the webpage, the responsibility for PCI Compliance falls on us. |
| [**Payment Operations API**](/v1/docs/getting-started-1) | Card Payments | **`Auth`**, **`Capt*`**, **`Purc`**, **`Refund*`**, **`OrginalCredit*`**, **`void*`** |High effort for integration including the handling of 3DS authentication. | The merchant will collect the card information. | Submit a detailed SAQ-D form and potentially even require full PCI DSS certification. |
| **Payment Links** currently being implemented*| Card Payments, APMs | **`Auth`**, **`Purc`** | No effort. Generate payment links via our merchant portal. This can then be shared with the customer.</br></br>It is also possible to create payment links using our APIs. | We handle the card data. The customer will enter the card details directly on our hosted page. | As we host the webpage, the responsibility for PCI Compliance falls on us. |
* * *

:::(Info) (Note)
These transaction types typically do not require PCI compliance, provided that the card details were initially captured on the hosted payment page during authorisation or purchase.
:::

You can find the API details [here](https://api-reference.apcopay.com/).
    </details>