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After a successful payment, you can redirect the customer to an external link or customize the Allpay success page that the customer sees.

Setup

‍In the <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Payment links</span>, enable the option “Customize successful payment page”.

Now, when creating a payment link, you can:

1. Set a URL for redirecting the customer.
2. Customize the Allpay success page by adding your own title, text, and button.

API payments

This setting does not apply to payments received via API (from external websites). For those, please refer to the API documentation.

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Weekly (accelerated) payouts let you receive money more often than with the standard once-a-month schedule.

How it works

After a customer makes a payment, it is processed within 3–7 business days. Immediately after processing, the payment is added to your payout balance and becomes available for transfer to your bank account.

Every Monday, an automatic payout of available funds is executed. As a rule, the money appears in your bank account within three business days.

If needed, you can request a payout manually without waiting for Monday.

Examples

• A payment made on Sunday and processed on Thursday will be included in the payout on the nearest Monday.
• A payment made on Friday and processed on Tuesday will skip the Monday that fell within the processing period and will be paid the next Monday, unless you request the payout earlier manually.

Requirements

Before enabling the module, two conditions must be met:

1. Using Allpay for at least three months.
2. Total turnover of at least 15,000 ILS during that time.

These criteria help assess your business’s payment activity and reduce chargeback risks — situations where a business receives a large payout and the cardholder reports an unauthorized charge.

The module applies only to payments received after it is activated (it is not retroactive).

Activation

The module is enabled in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment modules.</span>

After you request activation, we will send documents for signature. Once the acquiring institution approves them, the module will be turned on. The review usually takes 5–7 business days.

After approval, payouts will automatically switch from monthly to weekly.

Deactivation

You can deactivate the module in the same section. Deactivation takes 5-7 business days. After that you will receive e-mail notification.

Reactivation is only possible after 30 days.

Fees

Since weekly payouts are considered accelerated, the credit company charges an additional fee on each payment. The fee amount and the calculation method are shown on the pricing page.

The fee is charged even if you temporarily use the manual payout mode, because the accelerated processing has already been completed and the payment is available for payout.

To stop paying the additional fee and return to the standard monthly schedule, disable the weekly payouts module. The new terms apply only to payments made after the module is disabled.

Notifications and documents

Payout notifications are sent by e-mail and in Telegram if these options are enabled in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Notifications.</span>

On the 11th day of each month, the payout history shows a monthly payment breakdown and a fee receipt, which can be used for accounting.

The payment page supports four languages: English, Russian, Hebrew, and Arabic.

The language is detected automatically based on the customer’s browser language, so each customer sees the payment page in their own language. If the browser language is not supported or cannot be detected, English will be set by default.

To manually control the language of the payment page, go to <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment links</span> and enable the <span class="u-richtext-element">Language settings</span> toggle.

Then, in the payment link settings, you can set the language in which the customer will see the payment page, regardless of their browser language. The language switcher will still remain available on the payment page.

Translation of additional fields

If you add custom fields to the payment page, their labels can be translated into all four languages. This makes the payment page convenient for a multilingual audience. For more details, see the article about additional fields.

Language control via API

For payments initiated from your website (i.e., not through payment links created in Allpay), the payment page language can be controlled via the API according to the documentation.

By default, automatic detection based on the browser settings applies.

A payment can be refunded fully or partially. To do this, click the <span class="u-richtext-element">Refund</span> button in the payment details. The amount will be returned to the customer’s card within 7 business days and deducted from your next payout.

If the payment was made with an Israeli card and the refund was issued on the same day, the charge will not actually be debited from the customer’s account, and the transaction record will soon disappear from their statement.

Commission

The customer receives the full refunded amount. The processing commission charged to the business for the payment is not refunded.

A refund commission is also charged according to the pricing.

Refund receipt

If you have enabled integration with Morning or EasyCount, the original receipt will be automatically canceled, and a refund receipt will be generated:

• For Esek Patur: a Kabala (receipt) with a minus sign will be created.
• For Esek Murshe and companies:
  1. a Heshbonit Zikuy (credit tax invoice), and
  2. a Kabala (receipt) with a minus sign will be created.

These documents will be automatically sent to the customer’s email.

Refund errors

Insufficient funds available for refund

Refunds are made using the funds from other payments that are ready for payout. You must receive new payments and wait until they are processed and become available for payout.

Payments must be in the same currency as the refund. For example, it is not possible to issue a refund in shekels using payments received in euros.

Refunds for installment payments

If you refund a payment that was made in installments, the customer will have both a charge and a refund transaction each month. In their bank statement, two entries — one positive and one negative — will appear for each installment.

Chargeback

A chargeback is a refund initiated not by the business but by the customer through their credit institution when they believe that the charge was unauthorized.

It is a separate procedure and, unlike a standard refund, may have negative consequences for the business.

Read more: Chargeback (transaction dispute)

When creating a payment link, you can enable the option for installment payments by specifying the maximum number of payments the customer can choose.

If the customer selects two or more payments, the total amount will be charged to their card and transferred to you in monthly installments until the full amount is paid.

Installment payments work only with credit cards issued in Israel!

<span class="u-richtext-counter">1</span> Create a payment link

When creating the link, open the <span class="u-richtext-label">More</span> section, select <span class="u-richtext-element">Installments</span> as the payment type, and specify the maximum number of payments the customer will be able to choose.

<span class="u-richtext-counter">2</span> Send the link to the customer

On the payment page, the customer will see an option to choose the number of payments. If they leave it as one payment, the full amount will be charged immediately.

Example

For a service costing 6,000₪, you enabled up to 5 installments. The customer chose to pay in 3 installments. At the time of payment, 2,000₪ will be charged, another 2,000₪ a month later, and the final 2,000₪ in the third month.

A receipt for installment payments is generated for the full amount immediately. The payment schedule is shown in the receipt.

If the installment payment fails

The most likely reasons are:

1. The customer’s card is not a credit card but a debit card;
2. The card was not issued by an Israeli bank;
3. The card’s credit limit (misgeret) is lower than the total payment amount.

Why installments are not available for foreign cards

Installment payments work only with Israeli credit cards within their credit limit. Since the system cannot manage credit limits of foreign banks, payment splitting on such cards is not supported.

This is a limitation of the financial system. In essence, installments are a form of credit. If the customer doesn’t have sufficient funds in their account, you (the business) still receive the next payment because the bank provides credit to the customer. Managing credit limits and collecting debts in case of nonpayment can only be guaranteed within the country.

If the customer cancels the card

You will continue receiving installment payments even if the customer closes or cancels the credit card that was used for the payment.

Allpay supports Visa, Mastercard, American Express, Diners, Discover, JCB, and Isracard bank cards.

Current rates are listed at rate page.

The commission rate depends on the following three factors:

1. Card brand

For Visa and Mastercard the percentage is lower.

For American Express and Diners is higher as these brands are considered premium and give their owners various benefits that businesses pay for.

2. Foreign or local card

Payments with cards issued in Israel have a lower interest rate. Foreign payments go a longer way before they are paid out.

‍3. Is the card business or private

Business card transactions have an additional fee of 1.5% to 1.75%.

Chargeback comes from the English words «charge» (debit) and «back» (return), which literally means «return of funds back». This term refers to the procedure by which a bank refunds money to the payer after funds were mistakenly or fraudulently withdrawn from their account.

It is a consumer protection mechanism that allows the cancellation of credit or debit transactions and the return of funds if the customer did not authorize the purchase, did not receive the goods or services, or if billing errors occurred.

Participants in a chargeback

The chargeback process involves:

• Customer: Initiates the chargeback through the issuing bank (the bank that issued the card).
• Issuing bank: Conducts the investigation and, if necessary, refunds the money to the customer. In Israel, the issuing banks can be Isracard, CAL, MAX and few others.
• Merchant (seller): Must provide evidence of the legitimacy of the transaction. If the chargeback is justified, the merchant refunds the money to the bank.

Possible reasons for a chargeback

• The customer requested a refund because they did not recognize a charge in the bank statement or forgot about an actual payment.
• The goods or services were not provided by the merchant.
• Fraudulent charges were made on the card without the customer’s knowledge (the card was stolen or compromised).

Chargeback procedure

After the customer files a request, the issuing bank opens a case, determines the reason for the chargeback, and decides whether to return the money to the customer or leave it with the merchant. As part of the investigation, the bank will contact the merchant and request proof of service delivery.

In Israel, according to the Payment Services Law of 2020, if a transaction is considered an «insufficient documentation transaction» (i.e., made without the physical presence of the card, which applies to all online payments), the customer receives a full refund if they contact the issuing bank within 30 days of receiving the charge notification.

Thus, the law provides significant protection for the consumer but can also lead to fraud and cancellations of legitimate transactions where the customer actually received the agreed service. Therefore, merchants are advised to collect and keep evidence of goods or services provided to the customer, especially for large amounts (e.g., contracts, receipts, emails, delivery confirmations).

If the bank establishes that the funds were withdrawn from the customer’s card illegally, they will be returned to the customer and deducted from the merchant’s balance.

Risks for merchants

Frequent chargebacks can have serious consequences for merchants. The main risk is financial loss due to refunds to customers. However, that is not the only risk:

• Fines and fees: Banks may impose fines for each chargeback, increasing financial pressure on the business.
• Deterioration of banking relationships: Frequent chargebacks can damage relationships with acquiring banks. This can lead to higher fees, worse cooperation terms, or even termination of the contract.
• Risk of being blacklisted: A high chargeback rate can result in being added to blacklists of payment systems, making it difficult to work with new acquirers and other financial institutions.
• Loss of reputation: Frequent chargebacks can damage the merchant’s reputation, creating distrust among customers and partners.

Tips for prevention

To minimize chargeback risks, merchants should take the following measures:

• Use secure payment methods: Activate 3DS for payments — a two-factor authentication method where the bank asks the customer to confirm the payment via the banking app or by entering an SMS code.
• Improve communication with customers: Quick and transparent communication helps avoid misunderstandings. It is important to respond to customer inquiries promptly and provide full information about goods and services.
• Collect and store evidence: Systematically keep all documents confirming the provision of services or delivery of goods. This will help protect the business in case of a chargeback.
• Clear refund policy: A transparent and easy-to-understand return policy can reduce the number of chargebacks, as customers will know how to return a product or cancel a service.

Fees

The average fee charged for handling a chargeback is 50 ILS.

3DS is a technology that adds a layer of security to online payments by requiring the cardholder to confirm the payment in the bank's app or by entering a one-time SMS code.

It is used to protect against fraudulent transactions, helping businesses reduce risks of chargeback requests.

Connecting and configuring

You can activate 3DS and set the minimum payment amount from which it will be applied in the <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Modules</span> ➙ <span class="u-richtext-element">3DS</span>

Commission

An additional fee is charged for each payment processed with 3DS, according to the pricing.

The fee is applied even if the payment is unsuccessful — for example, when the cardholder confirms the payment via 3DS, but the bank declines the transaction.