Payment channels

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Each submerchant has its own set of payment channels (BLIK, bank transfers, cards, PayPal, deferred payments, etc.). You manage them through the SimPay Flow API - usually in the settings panel of your application, where the submerchant chooses which payment methods to offer.

All channel operations are available only for submerchants with the flow_submerchant_active status.

Default channels

After onboarding is approved, the submerchant automatically receives active and enabled channels for all payment methods that have an active default rate in your Flow service (see Commissions). Channels for methods enabled later must be registered.

Submerchant channel list

GET /flow/{flowServiceId}/submerchants/{submerchantId}/payment-channels returns all submerchant channels with:

A channel is available to payers only when it has the active status and is enabled (enabled: true).

Enabling and disabling channels

You enable and disable active channels with the PATCH /flow/{flowServiceId}/submerchants/{submerchantId}/payment-channels request:

curl -X PATCH "https://api.simpay.pl/flow/{flowServiceId}/submerchants/user-123/payment-channels" \
  -H "Authorization: Bearer YOUR_API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "channels": [
      { "slug": "blik", "enabled": true },
      { "slug": "paypal", "enabled": false }
    ]
  }'

Channels that don't exist, are not active yet or have no active commission in your Flow service are skipped without an error.

Registering a new channel

1. Get the list of channels the submerchant can register: GET .../payment-channels/available-for-registration. The list contains only channels for which your Flow service has an active commission and which the submerchant doesn't have yet.
2. Register the selected channel: POST .../payment-channels/register with the channel id.

curl -X POST "https://api.simpay.pl/flow/{flowServiceId}/submerchants/user-123/payment-channels/register" \
  -H "Authorization: Bearer YOUR_API_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{ "id": "paypo" }'

After registration:

• a channel that doesn't require verification (needs_verification: false) immediately gets the active status,
• a channel that requires verification gets the new status and is verified by SimPay (or registered with the payment method operator). We will notify you about the status change with the flow_submerchant_payment_channel:status_changed webhook.

Some channels (requires_company: true) are available only for submerchants with a registered business. For an unregistered business, the API returns the CHANNEL_REQUIRES_COMPANY error.

Special channels

BLIK Level 0 + OneClick

1. Register and activate the blik-level0 channel.
2. Send POST .../payment-channels/register with "id": "blik-level0-oneclick".
3. You'll find the OneClick request status in extra.blikOneClick of the blik-level0 channel: PENDING_REGISTRATION → REGISTERED_WAITING_ACTIVATION → ACTIVE (or REJECTED).

OneClick is available only for submerchants with a registered business. More about the service itself: BLIK Level 0 + OneClick.

BLIK Recurring Payments

You'll find the active recurring payment models (A - AUTO, O - OPEN, M - MANUAL) in extra.blikRecurrent.models of the blik-recurrent channel. More: BLIK Recurring Payments.

PayPal

For the paypal channel, set the submerchant's PayPal account email with the PUT .../payment-channels/paypal request. You'll find the current email in extra.paypalCheckoutEmail.