03 · Pay

Overview

TKAWEN Pay handles the full payment stack:

• Cards — major networks via global processor partners
• Wallets — Apple Pay, Google Pay, regional wallets
• Bank transfers — SEPA, ACH, local rails per market
• Recurring billing — subscriptions, trials, retries
• Multi-currency — 13 currencies, automatic FX conversion
• Invoicing — tax-compliant PDF generation per region
• Settlements — daily payout to your bank in your chosen currency

Replaces Stripe, Paddle, Recurly.

Quick start

# Create a checkout link
curl -X POST https://api.tkawen.com/v1/pay/checkouts \
  -H "Authorization: Bearer $TKAWEN_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 2900,
    "currency": "USD",
    "description": "Pro subscription · annual",
    "success_url": "https://your-app.com/success",
    "cancel_url": "https://your-app.com/cancel",
    "methods": ["card", "wallet", "transfer"]
  }'

Response:

{
  "checkout_id": "co_8xk29d",
  "checkout_url": "https://pay.tkawen.com/co_8xk29d",
  "expires_at": "2026-05-18T17:30:00Z",
  "amount": 2900,
  "currency": "USD"
}

Endpoints

Method	Path	Purpose
POST	/v1/pay/checkouts	Create a hosted checkout
GET	/v1/pay/checkouts/{id}	Checkout state
POST	/v1/pay/charges	Direct charge (no UI)
GET	/v1/pay/transactions/{id}	Transaction details
POST	/v1/pay/refunds	Issue a refund
POST	/v1/pay/subscriptions	Recurring subscription
POST	/v1/pay/invoices	Generate tax-compliant PDF invoice
GET	/v1/pay/settlements	Daily settlement statements

Pricing (processing fees)

Method	Fee
Card payments	2.9% + $0.30 (standard)
Wallets (Apple Pay, Google Pay)	2.9% + $0.30
Bank transfer (SEPA / ACH)	$0.80 flat
Refunds	Free (fees returned proportionally)
Invoice generation	Free
Daily settlement	Free

Volume discount: above $100k / month settles at 2.4% + $0.20. Contact for Enterprise rates.

SDK examples

const checkout = await tk.pay.checkouts.create({
  amount: 2900,
  currency: 'USD',
  description: 'Annual subscription',
  successUrl: 'https://your-app.com/success',
  methods: ['card', 'wallet'],
});
res.redirect(checkout.checkoutUrl);

$checkout = $tk->pay->checkouts->create([
    'amount'      => 2900,
    'currency'    => 'USD',
    'description' => 'Annual subscription',
    'success_url' => 'https://your-app.com/success',
    'methods'     => ['card', 'wallet'],
]);
return redirect($checkout->checkout_url);

checkout = tk.pay.checkouts.create(
    amount=2900, currency='USD',
    description='Annual subscription',
    success_url='https://your-app.com/success',
    methods=['card', 'wallet'],
)
return redirect(checkout.checkout_url)

Recurring subscriptions

curl -X POST https://api.tkawen.com/v1/pay/subscriptions \
  -H "Authorization: Bearer $TKAWEN_KEY" \
  -d '{
    "customer_id": "cus_8xk2",
    "plan": "pro_annual",
    "amount": 29900,
    "currency": "USD",
    "interval": "year",
    "trial_days": 14
  }'

Automatic renewal, 7-day notice email before charge, self-service cancellation portal.

Invoicing

Every transaction can generate a region-appropriate PDF invoice:

curl -X POST https://api.tkawen.com/v1/pay/invoices \
  -H "Authorization: Bearer $TKAWEN_KEY" \
  -d '{
    "transaction_id": "tx_8xk2",
    "include_tax": true,
    "tax_region": "EU",
    "language": "en"
  }'

Supports US sales tax, EU VAT, UK VAT, regional tax models — PDF returned inline.

Webhooks

checkout.completed   checkout.expired
charge.succeeded     charge.failed
refund.completed     refund.failed
subscription.created subscription.cancelled
subscription.renewed subscription.payment_failed
invoice.generated

Limits + SLA

• Rate limit: 100 checkouts/min, 50 charges/sec
• Latency p99: under 2s for checkout creation, under 5s for charge processing
• Reconciliation: daily at 02:00 UTC, bank payout within 24 hours

Compliance

• PCI DSS Level 1 — card data handled by certified processor partners
• 3-D Secure 2 — automatic strong customer authentication where required
• SCA-compliant for European cards
• Regional tax — automatic invoice formats per market

Related

• Next: 04 · Commerce