# Payment gateways

> Take customer payments through your own Stripe or GoCardless account, and choose which payment methods your customers can use.

- URL: https://kb.voipcloud.online/us/partners/whitelabel/payment-gateways/
- Section: Partners › White-label partners
- Type: guide
- Applies to: All countries
- Last reviewed: 2026-11-10

As a white-label partner, your customers pay you through your own payment gateways. The partner portal supports Stripe, SecurePay, GoCardless, PayPal and Monoova (PayID, PayTo and bank deposits in Australia). This guide covers Stripe (credit cards) and GoCardless (direct debit).

Channel partners don't have these settings: their customers pay through the provider's gateways.

## How payment gateway settings work

Go to **Settings** › **Payments**. The **Payment Gateways Settings** list on the left has a group for each area, and the **Configuration List** on the right shows the settings in the selected group:

| Group | What it holds |
| --- | --- |
| **fraud protection** | Credit card fraud limits: **Fraud: Maximum daily payments limit**, **Fraud: Topup transactions limit**, **Fraud: Account age** (newer accounts are checked), **Maximum number of new credit cards in one day**, **Maximum number of new credit cards in the last 30 days** and **Days before refund unconfirmed cards**. |
| **gateways availability** | Which payment methods are turned on: **Accepting AMEX**, **Disable credit card functionality**, **Disable GoCardless functionality**, **Disable PayPal functionality**, **Disable Monoova direct bank deposits**, **Disable PayID and PayTo functionality**. |
| **general** | **Default credit cards payment gateway**, **Credit card failures threshold**, **Credit card failures disable**, **Minimum invoice amount**, **Cancel pending transactions after days**, **Maximum number of auto top-ups per day** and **IIN List API key** (optional, for checking card details). |
| **gocardless** | **GoCardless access token**, **GoCardless webhook secret**, the addresses of your direct debit mandate and cancellation forms, and **Cancel GoCardless pending transactions after days**. |
| **Monoova** | PayID, PayTo and credit cards in Australia through Monoova: your Monoova account number, API key and PayID domain, the bank account Monoova pays into and its **Cutoff time**, and the SWIFT details for direct deposits from overseas. |
| **paypal** | Your PayPal Express Checkout username, password and signature, and **PayPal debug logs**. |
| **securepay** | The SecurePay XML API addresses and login, and **Securepay Cutoff Time**. |
| **stripe** | **Publishable key**, **Secret key**, **Webhook endpoint ID**, **Webhook secret**, **Cutoff Time** and **Cancel Stripe pending transactions after days**. |
| **surcharges** | **Surcharge system status**, **Credit card surcharge configuration** (by country and card network), **PayPal surcharge percentage** and **PayPal surcharge transaction fee**. |

![The Payment Gateways Settings list with the gateways availability group selected](https://kb.voipcloud.online/us/images/partners/whitelabel-payment-gateways.webp)

After you enter a gateway's details, choose it in **general** and turn it on in **gateways availability**.

You can also limit how each customer pays: select the customer in **Customers** and use the **Payments** section of the **Details** tab (for example **Payment limits**, **Daily limit** and **Disable surcharges**).

For SecurePay or PayPal set-up, contact the support team through a [support ticket](https://kb.voipcloud.online/us/partners/partner-support/).

## Set up Stripe

**Note:** Menus can change between versions. If a label is different, check the vendor's own help.

### Before you start

- A Stripe account. See Stripe's website for sign-up and documentation.
- Your Stripe API **Publishable key** and **Secret key**, from your Stripe dashboard.

### Steps

1. Go to **Settings** › **Payments** and select **stripe**.
2. Enter your keys in **Publishable key** and **Secret key**.
3. Select **general** and set **Default credit cards payment gateway** to **Stripe**.
4. Select **gateways availability** and set **Disable credit card functionality** to **No**.

To change a setting, double-click its row in the **Configuration List**, change the **Value** and click **Update**. **Default credit cards payment gateway** offers **Stripe** or **SecurePay**, and the **Disable** switches offer **Yes** or **No**.

Once Stripe is turned on, the system creates the webhook in your Stripe account and fills in **Webhook endpoint ID** and **Webhook secret**. The webhook listens for successful, failed and cancelled payments.

### Check it works

1. Add a card to a test customer account in the payments section.
2. The system sends a verification email to the customer's email address to authorise the payment.
3. Once the email is authorised, the customer's balance is topped up by the verified amount.

### If a Stripe payment fails

- **The card was charged but the balance didn't go up:** in your Stripe dashboard, check the webhook events for failed attempts, especially the `payment_intent.succeeded` event.
- **Other failures:** check the Stripe logs for the error from the bank, such as the bank not honouring the transaction. The cardholder may need to contact their bank.

## Set up GoCardless (direct debit)

### Before you start

- A GoCardless account.
- Your partner ID. It's the number at the end of the **Default signup URL** in **Settings** › **Customer Portal**.
- Your own Direct Debit application (mandate) form and Direct Debit cancellation form, each at its own web address. As a white-label partner, you create these yourself.

### Steps

1. In GoCardless, open **Developers** in the left menu and create a new webhook endpoint. Its URL ends in `/api/payment/status/` followed by your partner ID (the number only). To get the full URL for your region, raise a [support ticket](https://kb.voipcloud.online/us/partners/partner-support/).

2. GoCardless shows the endpoint's ID, secret and URL. Copy the webhook **Secret**.
3. In **Developers**, create or copy an access token.
4. In the partner portal, go to **Settings** › **Payments** and select **gocardless**.
5. Enter the token in **GoCardless access token** and the secret in **GoCardless webhook secret**.
6. Enter the addresses of your forms in **URL for Direct debit mandate form** and **URL for Direct debit cancellation form**.
7. Select **gateways availability** and set **Disable GoCardless functionality** to **No**.

### Add direct debit to a customer

The customer must already be on postpaid billing. See [Prepaid and postpaid](https://kb.voipcloud.online/us/billing/prepaid-and-postpaid/).

1. Go to **Customers** and select the customer.
2. Open the **Payment Accounts** tab and click **Add direct debit**.
3. In the GoCardless window, enter the customer's details from their signed mandate form.

### Check it works

The direct debit shows on the customer's **Payment Accounts** tab, and the mandate appears in your GoCardless dashboard.

## Next steps

- [Account overview boxes](https://kb.voipcloud.online/us/partners/whitelabel/account-overview-boxes/): how customer payments affect your reseller balance.
- [Automatic payments](https://kb.voipcloud.online/us/billing/automatic-payments/)
- [Customer billing](https://kb.voipcloud.online/us/partners/customer-billing/)