--- title: "SimplePay" description: "Take bank card payments with 3D Secure through OTP SimplePay in HUF, EUR and USD." url: "https://docs.poltura.com/en/apps/simplepay/" lang: en alternates: en: "https://docs.poltura.com/en/apps/simplepay/" hu: "https://docs.poltura.com/hu/apps/simplepay/" --- # SimplePay Take bank card payments with 3D Secure through OTP SimplePay in HUF, EUR and USD. - Where: App Store → SimplePay The SimplePay app takes bank card payments through OTP SimplePay, the largest Hungarian payment provider. Shoppers pay on SimplePay's secure page, with 3D Secure handled there. The app works on every plan, but only for stores that sell in Hungary. You can install it when Hungary is in one of your [markets](https://docs.poltura.com/en/settings/markets/#countries). Otherwise the App Store marks it as not available. Only card payments are available. SimplePay's other methods (bank transfer, Qvik and SZÉP card) are not supported. ## Before you start - You need a SimplePay merchant contract. SimplePay then gives you a merchant account for each currency you sell in: HUF, EUR or USD. - For each of those accounts you need the `MERCHANT` id and the `SECRET_KEY`. You find them in the SimplePay admin on the **Technical data** tab. - SimplePay lets you go live only after you have run its mandatory test cases in the sandbox and its staff has checked your store. ## Set up SimplePay 1. Open **Apps → App Store** and open **SimplePay**. New Hungarian stores have it installed already. If yours does not, select **Install**. Installing works the same for every app, see [App Store](https://docs.poltura.com/en/apps/#install). ![The SimplePay page in the App Store, installed and active, with Hungary as its only country and the Setup guide and Settings sections below](https://docs.poltura.com/screenshots/en/apps/simplepay.webp) _In a new Hungarian store, SimplePay is already installed._ 2. In the **Settings** section, leave **Environment** on `sandbox` and enter the merchant ID and the secret key for each currency you sell in. 3. Select **Save** in the save bar. 4. Select **Check the credentials**. The message **The credentials work.** confirms that SimplePay accepted every account you entered. 5. On the app page, open **System endpoints** and copy the **IPN URL**. 6. In the SimplePay admin, paste this address into **Technical data**. Do it for the sandbox account and for the live account as well: the two are fully separate. 7. Back in Poltura, select **Turn on**. The status of the app changes to **Active**. 8. Shoppers now see SimplePay at checkout when they pay in HUF, EUR or USD, on every domain. Ask SimplePay for an account in every one of these currencies your store sells in. 9. Run SimplePay's mandatory test cases in the sandbox, then ask for go-live at `itsupport@simplepay.com`. 10. When SimplePay has activated your live account, change **Environment** to `production` and save. In the sandbox the payment page offers a list of test cards that simulate a successful or a failed payment. The 3D Secure test code `1234` succeeds and `1111` fails. ## Settings - **Environment**: `sandbox` or `production`. The same credentials work in both systems. New installs start on `sandbox`. - **HUF merchant ID**: the `MERCHANT` id of your HUF account. Only needed if you sell in HUF. - **HUF secret key**: the `SECRET_KEY` of your HUF account. It is stored encrypted and is never shown again after you save it. - **EUR merchant ID** and **EUR secret key**: the same two values of your EUR account. Only needed if you sell in EUR. - **USD merchant ID** and **USD secret key**: the same two values of your USD account. Only needed if you sell in USD. - **Two-step (authorise then capture)**: when ticked, the amount is only blocked at checkout and charged when you capture it. Tick it only if SimplePay's IT support has activated two-step payment on your account. When it is not ticked, the card is charged at once. ## What shoppers see at checkout The payment step lists **Bank card payment (SimplePay)** with the SimplePay logo. Before paying, the shopper has to accept SimplePay's data transfer declaration, which names your company and the data passed to OTP Mobil. They then pay on SimplePay's page and return to your store, where the result is shown together with the SimplePay transaction ID. ## Day to day - Without two-step payment there is nothing to capture: the order is paid as soon as SimplePay confirms it. - With two-step payment, open the order and select **Capture payment** when you ship. The admin captures the full amount. See [Payments and refunds](https://docs.poltura.com/en/orders/payments/#capture). - You can refund a payment in full or in part with **Create Refund**. See [Refund an order](https://docs.poltura.com/en/orders/payments/#refund). - Canceling an order with a blocked amount releases it. ## If something goes wrong - **The credential check asks for a MERCHANT id and SECRET_KEY.** Enter both values for at least one currency. - **The check says the merchant id or secret key of a currency is not accepted.** Compare the two values with the **Technical data** tab in the SimplePay admin. - **The shopper paid, but the order stays unpaid.** SimplePay could not notify your store. Check that the **IPN URL** is saved under **Technical data** for the account in use, sandbox or live. - **SimplePay does not appear at checkout.** The shopper pays in a currency SimplePay does not charge, or one you have no SimplePay account for. Check the status under **Settings → Payments**. - **Two-step payments do not work.** Two-step payment has to be activated on your SimplePay account by SimplePay's IT support before you tick the setting. - **The app cannot be installed.** Hungary is in none of your markets. Add it to one first, see [Markets](https://docs.poltura.com/en/settings/markets/#countries). ## Related - [App Store](https://docs.poltura.com/en/apps/) - [Payments](https://docs.poltura.com/en/settings/payments/) - [Markets](https://docs.poltura.com/en/settings/markets/) - [Payments and refunds](https://docs.poltura.com/en/orders/payments/) - [Barion](https://docs.poltura.com/en/apps/barion/) - [Stripe](https://docs.poltura.com/en/apps/stripe/)