https://kukopay.com/blog Hands-on guides to payment APIs, webhooks, chargebacks, fees and taking international payments, from the team that runs KukoPay's payment stack. en KukoPay Wed, 04 Nov 2026 00:00:00 GMT https://kukopay.com/blog/3d-secure https://kukopay.com/blog/3d-secure What 3D Secure is, how 3DS authentication works, frictionless vs challenge flows, why a 3D Secure check fails, and how to test it before going live. Wed, 04 Nov 2026 00:00:00 GMT 3D Secure 3DS authentication 3D Secure failed strong customer authentication card fraud https://kukopay.com/blog/card-decline-codes https://kukopay.com/blog/card-decline-codes Card decline codes explained: what do not honor, insufficient funds and incorrect CVC mean, soft vs hard declines, and how to recover the sale. Wed, 04 Nov 2026 00:00:00 GMT card decline codes do not honor card declined insufficient funds soft decline https://kukopay.com/blog/hosted-payment-page https://kukopay.com/blog/hosted-payment-page What a hosted payment page is, how it compares with an integrated checkout, what it means for PCI scope, and how to brand it and bring buyers back. Wed, 04 Nov 2026 00:00:00 GMT hosted payment page hosted checkout PCI compliance checkout branding payment page https://kukopay.com/blog/idempotency-key https://kukopay.com/blog/idempotency-key What an idempotency key is, why payment APIs need one, how the Idempotency-Key header replays a response, and how to retry without double-charging. Wed, 04 Nov 2026 00:00:00 GMT idempotency key Idempotency-Key header idempotent API API retries duplicate payments https://kukopay.com/blog/kyb-verification https://kukopay.com/blog/kyb-verification What KYB verification is, how it differs from KYC, the documents a payment provider asks for, how review works, and how to pass KYB the first time. Wed, 04 Nov 2026 00:00:00 GMT KYB verification KYB documents KYB vs KYC merchant account verification business verification https://kukopay.com/blog/partial-refunds https://kukopay.com/blog/partial-refunds How partial refunds work for online payments: issuing one, how long a refund takes, why processing fees are not refunded, refund deadlines and disputes. Wed, 04 Nov 2026 00:00:00 GMT partial refund refund processing fees how long does a refund take refund pending online payment refunds https://kukopay.com/blog/payment-links https://kukopay.com/blog/payment-links What a payment link is, how to create a payment link in the dashboard or API, where to share it, how to cap it, and when to use the checkout API. Wed, 04 Nov 2026 00:00:00 GMT payment link how to create a payment link payment link for small business pay by link accept payments online https://kukopay.com/blog/payment-receipt https://kukopay.com/blog/payment-receipt What a payment receipt is, what it should include, how to send one automatically after payment, and how it differs from an invoice or tax invoice. Wed, 04 Nov 2026 00:00:00 GMT payment receipt receipt vs invoice online payment receipt send receipt email tax invoice https://kukopay.com/blog/payment-reconciliation https://kukopay.com/blog/payment-reconciliation A practical guide to payment reconciliation: match orders to payments, explain your balance with the ledger, tie payouts to bank deposits, and fix gaps. Wed, 04 Nov 2026 00:00:00 GMT payment reconciliation payment gateway reconciliation reconcile payouts balance transactions daily reconciliation https://kukopay.com/blog/payment-settlement https://kukopay.com/blog/payment-settlement What payment settlement is, how long it takes, available vs withdrawable balance, how payouts reach your bank, and what can hold money back along the way. Wed, 04 Nov 2026 00:00:00 GMT payment settlement settlement period available balance merchant payout withdrawable balance https://kukopay.com/blog/test-credit-card-numbers https://kukopay.com/blog/test-credit-card-numbers Test credit card numbers for success, declines and 3D Secure, how to use them in a sandbox, and the webhook, refund and wallet tests that matter too. Wed, 04 Nov 2026 00:00:00 GMT test credit card numbers test card numbers payment sandbox 4242 4242 4242 4242 payment testing https://kukopay.com/blog/webhook-not-received https://kukopay.com/blog/webhook-not-received Payment webhook not received? Check the delivery history, the URL, timeouts, signatures and subscriptions, then recover missed events from the events API. Wed, 04 Nov 2026 00:00:00 GMT webhook not received webhook retries failed webhook delivery missed webhook events webhook debugging https://kukopay.com/blog/accept-alipay-wechat-pay https://kukopay.com/blog/accept-alipay-wechat-pay How to accept Alipay and WeChat Pay online as a merchant outside China: how buyers pay, enabling both wallets, fees, refund deadlines and sandbox tests. Mon, 02 Nov 2026 00:00:00 GMT accept Alipay accept WeChat Pay Alipay for business Chinese customers cross-border payments https://kukopay.com/blog/accept-international-payments https://kukopay.com/blog/accept-international-payments How to accept international payments on your website: a multi-currency checkout, cards and wallets, what it costs, payouts and a go-live checklist. Mon, 02 Nov 2026 00:00:00 GMT accept international payments international payment gateway multi-currency payments accept payments in multiple currencies cross-border payments https://kukopay.com/blog/chargeback-guide https://kukopay.com/blog/chargeback-guide How a chargeback freezes the disputed amount, why a balance can go negative, the 0.65% and 0.9% chargeback-rate thresholds, and the evidence to submit. Fri, 02 Oct 2026 00:00:00 GMT chargeback chargeback rate dispute evidence chargeback fee card disputes https://kukopay.com/blog/cross-border-payment-fees https://kukopay.com/blog/cross-border-payment-fees A worked example of percentage-plus-fixed-fee pricing: the fixed fee in USD, HKD and CNY, why small orders cost more, and what refunds and payouts add. Fri, 02 Oct 2026 00:00:00 GMT payment processing fees cross-border payment fees card processing fees effective rate payout fees https://kukopay.com/blog/epay-integration-guide https://kukopay.com/blog/epay-integration-guide How epay's submit.php, mapi.php and api.php fit together, how to compute the MD5 signature, set the order timeout and debug missing notifications. Fri, 02 Oct 2026 00:00:00 GMT epay epay integration payment gateway integration MD5 signature payment notification https://kukopay.com/blog/individual-cross-border-payments https://kukopay.com/blog/individual-cross-border-payments Individuals aged 18 or over can accept payments with KukoPay using their own ID: what to prepare, excluded categories, payment limits and payout rules. Fri, 02 Oct 2026 00:00:00 GMT accept payments as an individual no business license individual merchant account payment limits sole trader payments https://kukopay.com/blog/payment-webhook-idempotency https://kukopay.com/blog/payment-webhook-idempotency Payment webhooks are retried, so one payment can reach you twice. Fulfil it exactly once with HMAC-SHA256 checks, a unique event ID and a transaction. Fri, 02 Oct 2026 00:00:00 GMT payment webhook webhook idempotency duplicate webhook HMAC-SHA256 prevent double fulfillment https://kukopay.com/blog/return-url-vs-notify-url https://kukopay.com/blog/return-url-vs-notify-url A buyer landing back on your site does not mean the money arrived. How return_url differs from notify_url, and the right way to decide an order is paid. Fri, 02 Oct 2026 00:00:00 GMT return_url notify_url payment confirmation payment redirect payment webhook