Integration Mode Overview
Credit Extension Mode (CREDIT_EXTENSION)
Cardholder’s actual assets, including deposits and withdrawals, are managed in a closed loop on the merchant’s side. All cardholder funds are managed by the merchant themselves. Merchants complete credit extension through fund transfers and need to recharge reserve funds. When cardholders consume, funds are deducted from the reserve. Applicable Scenarios:- Merchant manages cardholder funds independently
- Requires complete account system and transfer functionality
- Relatively low real-time requirements
Authorization Mode (AUTHORIZATION)
Cardholder’s actual assets, including deposits and withdrawals, are managed in a closed loop on the merchant’s side. All cardholder funds are managed by the merchant themselves. When cardholders make purchases, KeySecure sends authorization confirmation to the merchant, which must be completed within 800 milliseconds, otherwise the transaction fails. Applicable Scenarios:- Requires real-time authorization confirmation for transactions
- High performance requirements
- Supports multiple card BIN combinations
Mode Selection Guidelines
Pre-Integration Preparation
Complete the following preparations to ensure smooth API integration:Complete API Basic Configuration
Environment Information
All examples and curl requests default to using sandbox domain. Replace with production domain for production environment.