Introduction
Monek TransactDirect lets you take card payments online: on your website, by payment link, or directly from your own systems.
How a payment works
Every online payment with Monek follows the same three steps:
- Create the payment. Your website, shopping cart or system sends Monek the amount and your order reference.
- Customer pays. The customer enters their card on a secure Monek page or secure card fields, and completes 3-D Secure if their bank asks for it. Card details never touch your servers.
- Get the result. The customer is sent back to your site, and Monek sends your server the result by webhook so you can confirm the order.
Repeat charges, such as a monthly subscription, skip step 2: your server charges a card the customer has already saved, using the Payments API.
Choose your integration
The options below all follow this flow. They differ in how much of it you build yourself.
| Option | Best for | Coding needed |
|---|---|---|
| WooCommerce plugin | WordPress and WooCommerce shops | None |
| Payment Link and Virtual Terminal | Invoices, phone orders and one-off payments, from the Monek Portal | None |
| Checkout Page | Most websites. Send customers to a secure Monek-hosted payment page | Minimal |
| Checkout SDK | Card fields embedded in your own checkout page | Some JavaScript |
| Payments API | Recurring charges, refunds and back-office systems, server to server | Full integration |
Not sure? Start with the Checkout Page. It's the quickest way to go live, and card details never touch your servers.
Common tasks
- Take your first payment: Quick Start
- Take subscriptions or recurring payments: Recurring Payments
- Create a payment link from your own system: Prepared Payments
- Get notified of payment results: Webhooks
- Refund a payment: Payments API, or from the Monek Portal
Get test credentials
Contact support@monek.com for a test Merchant ID. Then use our Test Cards to try out payments.
Both Monek gateways are live, so never test with your live Merchant ID.
Monek Portal
Every merchant has access to the Monek Portal. Use it to view transactions, process refunds, and take payments by Payment Link or Virtual Terminal. For anything you do regularly, the APIs above let you automate it.
Security
3-D Secure (Strong Customer Authentication) is handled for you automatically on the Checkout Page, the Checkout SDK and the WooCommerce plugin. If you build your own payment journey with the Payments API, see 3-D Secure.