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Subscription API

Overview​

A subscription is an agreement between a merchant and a customer in which the customer pays a recurring fee (monthly, weekly, quarterly, annually) in exchange for access to a product or service. Common examples include streaming services, gym memberships, magazine subscriptions, and more.

The 88Pay Subscription API enables merchants to create and manage subscriptions for their customers.

How to Create a Subscription with 88Pay​

To set up a subscription, the following steps must be completed:

  1. Register a Plan: A plan defines the billing cycle with a fixed periodicity and amount. Plans can be configured with different billing cycles, such as monthly, quarterly, semi-annually, or annually, depending on the merchant's preferences and business model.

  2. Register a Subscription: A customer subscribes to a specific plan.

Customers can complete subscription payments through two different methods:

  • Automatic Debit from Credit/Debit Card
  • Payment Reminders

Automatic Debit from Credit/Debit Card​

With this method, the API automatically debits the subscription amount from the customer’s credit or debit card at the chosen billing frequency.

  • The merchant must send the customer’s card details to the API when creating the subscription.
  • The API processes payments automatically on each due date.

Payment Reminders​

With this method, the API sends periodic payment reminders to the customer’s email, including a checkout link to complete the payment.

  • The customer can pay using digital payment methods (credit/debit card).
  • The merchant does not send credit/debit card details to the API when creating the subscription.
  • The customer selects their preferred payment method during checkout.

A single subscription plan can have customers subscribed using both payment methods: automatic debit and payment reminders.

Additional Considerations​

  • Merchants should ensure they comply with payment regulations and obtain proper authorization from customers for recurring charges.
  • Customers should be able to manage or cancel their subscriptions through the merchant’s platform.
  • The API provides endpoints for subscription management, including updates, cancellations, and retrieval of subscription details.

For more details on API endpoints, authentication, and request examples, refer to the API documentation.