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Allpay lets you display the price in one currency that is convenient for the customer, while charging in another currency.

For example, for customers in Canada you can display the price in CAD, while charging in ILS, so the funds are paid out to the merchant bank account without additional conversion.

In this scenario, the customer will see the amount in two currencies on the payment page, for example: 100 CAD (226 ILS). The actual charge will be made in Israeli shekels (ILS).

This format helps to:

• show the customer the price in a currency they understand;
• clearly explain which currency will be charged;
• reduce confusion when the customer later sees the charge in their bank statement.

Exchange rates are taken from Google Finance at the moment the payment page is opened.

Payment currency

Payment currency (parameter <span class="u-richtext-element">currency</span>) is the currency in which the actual charge is made and the funds are paid out to the merchant bank account.

The customer’s card currency does not matter — after the charge, the customer’s bank will convert the amount using its own exchange rate if the card is denominated in another currency.

By default, after registering in Allpay only ILS payment currency is available. You can enable USD and EUR according to this instruction.

Supported payment currencies

Euro — EUR

Israeli new shekel — ILS

United States dollar — USD

Валюта отображения

Display currency (parameter <span class="u-richtext-element">currency_display</span>) is the currency shown to the customer on the payment page.

Send this parameter only when the display currency is different from the payment currency.

If <span class="u-richtext-element">currency_display</span> is provided:

• the <span class="u-richtext-element">price</span> must be sent in the display currency;
• Allpay automatically converts the amount from <span class="u-richtext-element">currency_display</span> to <span class="u-richtext-element">currency</span> using current Google Finance exchange rate;
• the customer is always charged in the payment currency (<span class="u-richtext-element">currency</span>).

For example, for Europe customer you can display the price in EUR and charge in ILS. Or for customer from Canada display the price in CAD and charge in USD.

Supported display currencies

Australian dollar — AUD

Azerbaijani manat — AZN

Canadian dollar — CAD

Chinese Yuan — CNY

Euro — EUR

Georgian lari — GEL

Israeli new shekel — ILS

Kazakhstani tenge — KZT

Norwegian krone — NOK

Pound sterling — GBP

Russian ruble — RUB

Thai baht — THB

Ugandan shilling — UGX

United Arab Emirates dirham — AED

United States dollar — USD

Ukrainian hryvnia — UAH

If the currency you need is not in the list, please contact support.

Examples of using <span class="u-richtext-element">currency_display</span> in API requests

Send <span class="u-richtext-element">currency_display</span> only when you need to display the price in one currency but charge in another.

Example 1

{  
  "items": [
    {
      "name": "Product name",
      "price": "100",
      "qty": "1",
      "vat": "0"
    }
  ],
  "currency": "USD",
  "currency_display": "CAD"
  }

‍

Allpay will convert 100 CAD to USD and the customer will be charged in USD.

At the time this article was written: 100 CAD = 72 USD, so the charge will be 72 USD.

If the account is not approved for USD, the system will automatically convert the amount to ILS (the default currency).

Example 2

{  
  "items": [
    {
      "name": "Product name",
      "price": "100",
      "qty": "1",
      "vat": "0"
    }
  ],  
  "currency_display": "CAD"
  }

‍

Because <span class="u-richtext-element">currency</span> is not provided, 100 CAD will be converted to ILS (the default currency), and the customer will be charged in ILS.

Example 3

{  
  "items": [
    {
      "name": "Product name",
      "price": "100",
      "qty": "1",
      "vat": "0"
    }
  ],  
  "currency": "CAD"
  }

‍

This request is invalid because CAD cannot be used as a payment currency. However, the system will not return an error. Instead, it will convert CAD to ILS (the default currency) and charge the customer in ILS.

To test different currency combinations, use the Allpay API tester.

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

Current rates are listed at pricing page.

The commission rate depends on four factors:

1. Business turnover

The higher the average monthly turnover of the business, the lower the commission rate.

Average monthly turnover is calculated as the total amount of all successful payments over the last 3 months, minus refunds and chargebacks, divided by 3.

If payments were made in different currencies, the turnover is converted to ILS.

Turnover is recalculated automatically at the end of each day. If the business moves into a different turnover tier, the corresponding commission rate is applied automatically.

2. Card brand

Visa and Mastercard have lower rates.

American Express and Diners have higher rates because these brands are considered premium and provide cardholders with various benefits, which are paid for by the business.

3. Local or international payment

Payments made with cards or wallets issued in Israel have lower rates.

International payments follow a longer processing path before they are included in a payout, so the commission rate for them is higher.

4. Whether the card is a business or personal card

Transactions made with business cards may include an additional fee of 1.5% to 1.75%.

This fee is added by payment systems and issuing banks and does not depend on Allpay.

Subscriptions are recurring charges from the customer’s card without the need to re-enter card details. In Hebrew, this is called "Oraat Keva", which literally means "standing instruction".

Activate the subscriptions module in the <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Modules</span> section.

Creating a subscription

<span class="u-richtext-counter">1</span> When creating a payment link, clock "More" button to expand settings section and change payment type to “Subscription”.

<span class="u-richtext-counter">2</span> Specify when the subscription should start and end, then click the “Create Link” button.

<span class="u-richtext-counter">3</span> Once the customer subscribes using this link, the subscription will appear on the main screen under the “Subs” (Subscriptions) menu.

Subscription start options

Immediately — the first charge will occur at the moment the subscription is created, and then recur on the same day each month.

‍In N days — the first charge will occur after the specified number of days from the subscription start date, and then continue monthly on that same day.“Date” — the first charge will occur on the selected date. If the selected date is in the past, the subscription cannot be created.

‍Day of month — the first charge will occur on the specified day of the month and repeat monthly on that same day. If the selected day matches the subscription start date, the charge will happen immediately. If the 30th or 31st is selected but the month doesn’t have that date, the charge will occur on the last day of the month (e.g., February 28th).

Date — the first charge will occur on the selected date. If the selected date is in the past, the subscription cannot be created.

Subscription end options

No end date — charges will continue until the subscription is manually canceled in the dashboard.

Date — charges will continue until the selected date. For example, if the end date is set to August 15, 2030, and charges occur on the 16th of each month, the last charge will take place on July 15, 2030, and there will be no charge in August.

After N charges — the subscription will end after the specified number of charges. For example, to create a one-year subscription, set it to 12.

Subscription statuses

<span class="u-richtext-element" style="background-color: rgba(68, 203, 138, 0.5)">Active</span> — charges are being processed successfully.

<span class="u-richtext-element" style="background-color: rgba(113, 124, 144, 0.2)">Completed</span> — all scheduled charges have been successfully processed.

<span class="u-richtext-element" style="background-color: rgba(242, 201, 76, 0.8)">Cancelled</span> — you manually cancelled the subscription charges.

<span class="u-richtext-element" style="background-color: rgba(221, 94, 94, 0.4)">Failed</span> — a charge attempt failed; the system will make up to 6 more retry attempts.

Tracking subscriptions

Charges from subscriptions appear in two sections:

1. On the main payments screen, alongside other payments;
2. In the “Subs” section, where you can view the full charge schedule for each subscription.

Notifications about subscription charges are sent by email and Telegram — just like regular payments — if the notification option is enabled in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Notifications</span>.

Cancelling a subscription

In the settings of the desired subscription, select “Cancel subscription”. The customer will receive an email notification that their subscription has been cancelled.

It is not possible to resume charges on a cancelled subscription. The customer will need to re-subscribe.

Failed charge

A scheduled subscription charge may fail if the card has insufficient funds, the credit limit is exceeded, the card has expired, or it has been cancelled.

If a charge fails, the system will automatically make up to 6 more attempts — one per day. If all attempts fail, the subscription will remain in “Failed” status, and the charge history will include a note: “Subscription stopped”.

In the subscription management menu, a “Retry charge” option will appear, allowing you to manually initiate a new charge. Before retrying, we recommend checking with the customer to make sure their card is working properly.

If, when setting up a subscription with the first charge set to “Immediately”, the first charge attempt fails, for example because the card has insufficient funds, the subscription will still be created with the “Failed” status. The system will then automatically schedule a retry attempt.

Subscriptions vs installments

Since installment payments work only with Israeli credit cards, some businesses use subscriptions to collect payments from international customers in multiple parts.

It’s important to understand the difference: With installments you are guaranteed to receive the full amount — even if the customer’s card has insufficient balance on future dates. With subscriptions, each charge is a separate transaction, and if the card has no funds at the time of billing, the charge will fail.

After a customer completes a payment, the funds are automatically transferred to your bank account. This process is called a payout.

There is no need to manually request transfers — Allpay automatically processes payouts according to the selected schedule.

Standard payout schedule

By default, payouts are made once per month.

All payments received during a calendar month are transferred on the 6th day of the following month. This option works well for most businesses, especially when daily transfers are not required.

The payout schedule is always available in your Allpay dashboard.

Weekly payouts

If you need to receive funds more frequently, you can activate the weekly payout option.

In this case, funds are transferred every week. An additional commission applies for this option.

What is deducted from payouts

Payouts are made after deducting the payment provider commission and VAT.

In your dashboard, you can see transaction history, payout amounts, and detailed calculations.

Allpay provides a transparent and predictable payout process so you can better manage your business cash flow.

Read the detailed article about payouts.

By default, the amount of an installment payment is credited in monthly parts, depending on the number of payments selected by the customer at checkout.

For example, if the amount was split into 10 payments, the funds will be credited as 1/10 of the amount over 10 months, as the customer’s card is charged.

However, the business can receive the full amount upfront — together with the first payout. The customer will still be charged in parts according to the regular installment schedule.

When using the «sherut nikayon» (שירות ניכיון) service, the credit company pays the business the full amount upfront (deducts an additional commission), and then collects the funds from the customer in parts.

Requirements

Since receiving the full amount upfront uses a credit mechanism, three conditions must be met before the service can be activated:

1. Business owner must be at least 21 years old.
2. Allpay must be used for at least three months.
3. Total turnover for the entire period must be at least 15,000 ILS.

These criteria allow the credit company to assess the business’s payment activity and reduce chargeback risks — situations where the business receives a payout for a significant amount, and the cardholder later claims that the charge was unauthorized.

Activation

The service is activated in <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Payment modules</span> ➙ <span class="u-richtext-element">Installments upfront</span>

After the activation request, we will send the documents for signature. Once approved by the credit company, the module will be enabled. The review usually takes 5–7 business days.

All installment payments received after the service is approved will automatically be processed using the full-amount crediting mechanism.

The service does not apply retroactively, meaning it does not apply to payments made before it was activated.

Deactivation

You can deactivate the module in the same modules section. Deactivation takes 5–7 business days. After deactivation, you will receive an email notification.

The module can be reactivated only after 30 days.

Commissions

The credit company charges an additional commission for accelerated crediting. The commission amount and calculation method are shown on the plan page.

It is not possible to split payments between regular installments without an additional commission and installments upfront with an additional commission. While the service is active, all installment payments will be processed through the upfront installments mechanism.

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, three conditions must be met:

1. Business owner must be at least 21 years old.
2. Using Allpay for at least three months.
3. 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.

After connecting Allpay, you can immediately start accepting payments in Israeli shekels (ILS).

Customers can pay you from Israel or from abroad. The currency of the customer’s card does not matter — the payment will be processed successfully, and you will receive the amount in shekels. The customer’s bank will handle the currency conversion at the time of the charge.

Displaying prices in different currencies

For customer convenience, the amount on the payment page can be displayed in different currencies — for example, US dollars, euros, hryvnias, rubles, or even Norwegian kroner.

It is important to understand that this is only a visual display. The actual transaction is processed in shekels at the current exchange rate.

Accepting payments in USD or EUR without conversion

If you want to accept payments in US dollars or euros without conversion to shekels, this option is also available.

To enable it, you need to activate the relevant currency module in your Allpay dashboard and wait for approval. The approval process usually takes about a week.

Once activated, you will be able to create payment links in USD or EUR, and the funds will be transferred to your account in the same currency — without additional conversion.

Supported payment methods

Allpay supports major international card brands, including:

• Visa
• Mastercard
• American Express
• Diners
• and others

Fast payment methods are also available:

• Apple Pay
• Google Pay
• Bit

When paying with Bit, the customer does not need to enter a phone number. They simply click the Bit button on the payment page and confirm the transaction in the Bit app on their phone.

Customers can choose the payment method that is most convenient for them. All available payment methods are displayed on the payment page opened by the customer.

Allpay is a payment service that is responsible for the external, visible part of accepting payments: checkout pages, the application, and integrations with websites and online stores.

Isracard, CAL, and other credit companies are acquirers (from the verb “to acquire” — to accept or receive). They are the ones who directly accept payments and transfer funds to the business.

In Israel, a payment service and an acquirer are usually separate companies.

Allpay provides checkout pages and an API and ensures the operation of the application and integrations with websites and online stores. At the same time, Allpay does not hold customers’ funds.

Acquirers such as Isracard, CAL, and others issue the business an acquiring authorization (in Hebrew — “slika”), accept and accumulate payments, transfer funds to the business’s bank account, and are responsible for security, fraud prevention, and chargeback handling.

In Israel, only a few credit organizations, including Isracard and CAL, are licensed by the Central Bank to issue acquiring authorizations.

When you submit an application, Allpay transfers the business details to the acquirer. The acquirer makes the decision and issues the acquiring authorization. Without this authorization, Allpay cannot connect a business to accept payments.

Since the main financial risks lie with the acquirer, they may request additional documents or ask clarifying questions about the business.

Allpay is your technical representative in the world of online payments. The acquirer is your “banker”.