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Allpay is designed for different types of businesses in Israel. It is important to understand that the payment system works only with legal entities — not with private individuals.

Let’s review which types of businesses can be connected.

Osek Patur / Osek Zair

Osek Patur (or Osek Zair) is a sole proprietor with a small turnover. If your annual revenue is below the установленный threshold (around 130,000 ILS per year), you can operate as an Osek Patur and not charge VAT.

This type of business uses simplified accounting. When using Allpay, all payments are automatically recorded in the system, and digital receipts (kabalot) are generated through the connected accounting service.

Osek Murshe

Osek Murshe is a sole proprietor registered for VAT. This structure requires full accounting and regular reporting.

If you have higher turnover or many corporate customers, this is usually the preferred structure.

Company

A company (Hevra Ba’am) is a legal entity registered with the Israeli Companies Registrar. A company may have multiple shareholders and is subject to stricter regulation.

Companies use Allpay to accept online payments, integrate with their website, and automate financial processes.

Non-profit organization (Amuta)

A non-profit organization (Amuta) is a legal entity registered in Israel for charitable, educational, or social purposes. It can use Allpay to accept donations or collect payments for events and programs.

Allpay supports non-profit organizations in compliance with regulatory requirements and also assists NGOs in the process of obtaining acquiring approval.

What is required for registration

To connect Allpay, you will need to provide the following basic documents:

• Certificate of business registration (company or sole proprietor status)
• Teudat Zehut (Israeli ID) of the business owner
• Bank account confirmation letter with account details
• A link to your website or landing page describing your business activity

The main requirement is official business registration in Israel.

Allpay is a payment system for businesses in Israel that allows you to accept online payments and automate acquiring. With Allpay, you can receive payments from customers and get payouts directly to your bank account.

The solution is designed for companies, sole proprietors (atzmai), and non-profit organizations.

How it works

You create a payment link or integrate Allpay into your website. The customer is redirected to a secure payment page and completes the payment using a bank card, Apple Pay, Google Pay, or Bit.

After a successful transaction, you can see the payment in your dashboard, and the funds are transferred to your account according to your selected payout schedule. If needed, you can issue a full or partial refund.

When a business needs a payment system

If you accept payments online.
An online store, service sales, online courses, appointment bookings — anywhere a customer clicks “Pay,” you need a reliable payment processing solution.

If you want to automate your processes.
All transactions go through a unified acquiring channel in Israel. For each successful payment, a digital receipt is automatically generated and can be used for accounting purposes. You don’t need to manually track transfers or reconcile incoming funds. This saves time and reduces the risk of accounting errors.

If professionalism matters to you.
An official payment page looks more reliable and convenient than asking for a transfer to a phone number. The customer gets a clear payment interface, and you maintain full control over your transactions.

What your business gets

• Acceptance of online payments by bank cards
• Support for Apple Pay, Google Pay, and Bit
• Payment links and website integration
• A dashboard with full transaction history
• Automatic digital receipts
• The ability to issue refunds
• Compliance with security requirements

Allpay acts as a payment bridge between your business and your customer: the customer pays online, the system processes the transaction, and you receive the funds in your bank account.

If you are looking for a simple and clear solution to accept online payments in Israel, Allpay helps you set it up without unnecessary complexity.

To have the Bit payment button appear on your payment pages, activate the Bit module in the <span class="u-richtext-element">Settings</span> ➙ <span class="u-richtext-element">Modules</span> ➙ <span class="u-richtext-element">Bit</span> section.

Payment via Bit is only possible from a mobile device on which the Bit app is installed. When paying from a computer, the system will display a QR code for scanning and switching to payment from a mobile device.

Payments received through Bit are credited to the business's bank account along with the payout in the same way as other payments.

Bit button for foreign customers

Since Bit is an Israeli system, we make it possible to hide the Bit button for customers who pay from abroad. The system determines the client's geolocation by its IP.

The corresponding switch can be found in the module settings.

Restrictions

Up to 5000 ILS. Payment via Bit cannot exceed 5,000 shekels. The sum of all payments per month from all customers cannot exceed 20,000 shekels.

ILS. Bit only supports payments in shekels.

Linked card. A card must be linked to the Bit app. Payments cannot be made using the internal Bit balance.

There are no installments. You can only pay with Bit in one payment.

There are no subscriptions. Bit does not allow you to save your customer card for future charges, so we hide the Bit button for “Subscription” payment links.

Ten minutes. From the moment you press the Bit button, the customer has 10 minutes to make a payment.

Diners. Diners and Discover brand cards are not supported by Bit.

Name and email

Bit does not give us the payer's name and e-mail address, so we request them ourselves when making a payment. The e-mail field is optional, and if it is not filled in by the customer, a payment confirmation will not be sent.

Integrations

For payment integrations from ours catalogue The Bit button will be shown on the payment page if the module is activated and hidden if not.

API

Software integration developers documentation<span class="u-richtext-element">, can control the display of the Bit button on the payment page by using the show_bit parameter.</span> However, the Bit module must first be activated through your Allpay account.

For test payments, use the real card attached to the Bit app. At the same time, don't forget to activate the test mode for payment integration.

Test mode allows you to test payments without processing real transactions. This mode is typically used by developers during website development.

For API integrations

Test mode is activated separately for each integration in the <span class="u-richtext-element">Settings</span> --> <span class="u-richtext-element">API Integrations</span> section.

The list of test cards is available in the API documentation.

For payment links

‍Test mode is also available for payment links created in the Allpay dashboard.

You can activate it in the settings of each individual payment link. Test card details will be provided on the payment page.

Test receipts

To generate test receipts in test mode, you need to enter the API keys from the test account of the corresponding service (e.g., Morning or EasyCount) in the module settings.

VAT 0% may apply to sales to foreign residents.

According to the law, a foreign resident is defined as an individual who permanently resides outside of Israel or a legal entity registered abroad.

When processing a payment, there is no reliable technical way to determine whether the payer is a foreign resident. Geolocation is unreliable, as an Israeli resident may be abroad at the time of payment.

Since the business is in direct contact with the customer to whom it sells goods or services and reports to the tax authorities, the business is responsible for correctly issuing the tax invoice.

Automatic application of VAT 0%

A relatively reliable approach is to rely on the country in which the customer's card was issued (with the understanding that this method also has exceptions).

By default, Allpay includes a built-in feature that generates receipts with 0% VAT for payments made with foreign cards.

For technical reasons, the system can determine whether a payment was made with a foreign card only after the payment is actually completed. Therefore, if 18% VAT is set in the payment link settings, the system will automatically apply 0% instead of 18% after the payment is completed.

Since the tax receipt (hashbonit mas/kabala) is generated after the payment is completed, the receipt will show 0% VAT, and the service price will be equal to the final payment amount.

Example:

Payment with Israeli card:

Service — 100 NIS

VAT — 17 NIS

Total — 117 NIS

Payment with foreign card:‍

Service — 117 NIS

VAT — 0 NIS

Total — 117 NIS

We recommend in payment link settings set <span class="u-richtext-element">VAT mode</span> → <span class="u-richtext-element">included in price</span> and display prices with VAT already included. This will appear more natural to international customers.

Applying VAT for foreign cards

If a business does not want to rely on determining foreign residency based on the card’s country, it is necessary to activate the checkbox <span class="u-richtext-element">Charge VAT on foreign cards</span> in <span class="u-richtext-element">Settings</span> → <span class="u-richtext-element">Company</span>. This will apply VAT to foreign cards the same way as to Israeli cards.

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”.

To allow customers to choose the quantity on the checkout 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">Manage quantity</span> option.

After that, when creating a payment link, you can set the minimum and maximum number of units a customer can select, as well as the total quantity available for all customers when paying via this link.

The remaining quantity is shown on the payment link tile. When the stock is depleted (equals zero), the payment link is automatically disabled.

If the total quantity is not set (that is, the customer can select any quantity without limits), an infinity symbol is displayed on the payment link.

Simultaneous purchase of the last item

When multiple customers try to purchase the last remaining items at the same time, the purchase will be successful for the customer who completes the payment first.

For example, if 5 units are left in stock and customer A tries to buy all 5, while at the same time customer B buys 2 units and completes the payment first, customer A will see a message that only 3 units are available.

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.