Communication between systems and services of stores, partners and platform is carried out through integration protocols. At VTEX, we use the Payment Provider Protocol (PPP), a protocol created to assist companies that carry out financial transaction operations.

Before continuing, make sure you are familiar with some terms that are frequently used in articles in this :

• Acquirer: a company that specializes in payment processing. For more information, access What is an acquirer?.
• Merchant or Client: an individual or business that holds its ecommerce or physical stores operations in the VTEX platform.
• Customer: an individual or business that purchases a product or service from a VTEX client.
• Provider: agent that will process the merchant's payments. It can be a payment system, payment provider, or a gateway.
• Partner: agent responsible to carry out the integration between the provider and the VTEX platform.
• VTEX Payment Gateway: VTEX system responsible for processing payments. The gateway communicates with the provider through the Payment Provider Protocol (PPP).
• Payment Service Provider (PSP): financial entity that is authorized to process financial transactions between merchants, acquiring banks, and card networks. It is a fast and cost-effective way to accept payments without needing to open a company in another country or having to create a merchant account.
• Payload: set of data sent in JSON format through a request body of an endpoint.
• Connector: provider affiliation that acts as a bridge between the provider and the VTEX checkout.
• Oauth: authorization protocol made for Application Programming Interfaces (APIs). It allows the provider system to access the customer data to process a payment transaction.

The articles listed below present the characteristics and mode of operation of our payment architecture, providing implementation information to allow you to integrate your payment service into VTEX or use the payment solutions already available.

To integrate a payment solution in VTEX, you must join our Partner Program to get access to your own VTEX account. If you are already a client or partner, you can open a support ticket if you have any questions.

If you are looking for endpoint-level technical details, such as request and response schemas and protocol operations, refer to the Payments content in the API Reference.

Article	Description
Payment Methods	Overview of payment method families accepted by VTEX: credit and debit cards, digital wallets, bank transfers, Pix, boleto, and alternative methods.
Purchase Flows	The three payment flow models available on VTEX: Transparent, Redirect, and Payment App.

Article	Description
Anti-fraud Provider Protocol	Overview of the anti-fraud integration protocol, including endpoints, testing, and certification.
Implementing a pre-analysis anti-fraud flow for debit card transactions	How to configure pre-authorization risk analysis for debit card transactions.
Cardholder document configuration	How to configure the cardholder document field for anti-fraud provider integration.

Article	Description
Managing a Customer Credit account	How to create and manage customer credit accounts via API.
Managing a Customer Credit invoice	How to create and manage credit invoices via API.

Article	Description
Gift Card system architecture	Overview of the Gift Card Hub, Provider Protocol, and native provider architecture.
Managing VTEX gift cards	How to create, update, and manage native VTEX gift cards via API.

Article	Description
Custom Auto Capture Feature	How to define a custom delay interval for automatic payment capture (settlement).
Setting up the type of interest rate	How to configure interest rate types for installment payments via the Gateway API.
Metadata information in payment transactions	How to send and retrieve custom metadata in payment transactions.

Article	Description
Payment App	How to implement a Payment App for custom payment UX during checkout.
Layout Development Guide for payment methods in Smart Checkout VTEX	How to develop a custom layout for your payment method in Smart Checkout.

Article	Description
Pix: Instant Payments in Brazil	How to implement Pix as a payment method for Brazilian stores.
PSE Payment Method	How to implement the PSE bank transfer method for Colombian stores.
Google Pay: processing information for payment providers and anti-fraud	How Google Pay transactions are identified and processed by providers and anti-fraud systems.
Setting up Merchant ID in Apple Pay	How to configure your Apple Developer Merchant ID for Apple Pay integration.

Article	Description
Payment Provider Protocol	Core concepts and overview of the PPP.
Integrating a new payment provider on VTEX	End-to-end step-by-step guide for integrating a new payment provider.
Implementing a Payment Provider	How to develop your middleware to communicate with the PPP endpoints.
Payment Provider Framework	Alternative method for developing payment connectors using VTEX IO.
PPP Versioning	How connector versioning works and how to upgrade to a new PPP version.
PPP for Point of Sale (POS) - VTEX Sales App	How to apply the PPP for payments on physical points of sale with VTEX Sales App.
Split Payouts on Payment Provider Protocol	How marketplace payment splits work within the PPP, including commission, seller payouts, and refund flows.

Article	Description
PCI - DSS Compliance	PCI DSS certification requirements and when they apply to your integration.
Secure Proxy	VTEX's solution for securely transferring sensitive card data without PCI DSS certification.

Article	Description
Payment Provider Homologation	How to run the test suite and request approval for your payment connector.

Article	Description
Implementing payments tokenization	How to implement tokenization in your payment connector.
Managing tokenized cards	How to query, import, and manage tokenized card data.