API-first payment aggregator

Payments builtfor the arena.

Forge one integration. Accept GCash, InstaPay, Maya, cards, and bank transfers through a single blade. Test mode that feels like production — webhooks, dashboards, ledger, and a sandbox that simulates real providers, not fake stubs.

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99.9% uptimeAES-256 at restIdempotent by default
The Six Disciplines
API-first
壱

REST + JSON. Stripe-style envelopes. Idempotency keys. Full OpenAPI spec. No SDK required.

Pluggable providers
弐

Adapter pattern means adding new payment rails (Xendit, PayMongo, Stripe) is a single file.

Sandbox that feels real
参

Our sandbox simulates provider latency, webhooks, and edge cases — drive outcomes deterministically.

Signed webhooks
肆

HMAC-SHA256 with timestamp tolerance, retry with backoff, and a replay button in the dashboard.

Self-service dashboards
伍

Merchants manage keys, webhooks, and payments. Admins oversee merchants, providers, fees, ledger.

Secure by default
陸

Secrets bcrypted, provider creds AES-256-GCM at rest, rate-limited APIs, strict session cookies.

One request. One charge.
$ curl -X POST https://jcpay.innoserver.cloud/v1/payments \
    -H "Authorization: Bearer sk_test_..." \
    -H "Idempotency-Key: $(uuidgen)" \
    -H "Content-Type: application/json" \
    -d '{
      "amount": 500.00,
      "currency": "PHP",
      "method": "gcash_qr",
      "description": "Order #1042",
      "return_url": "https://yoursite.com/thanks"
    }'