# Payment solution

Galaxy Pay offers multiple payment workflows suitable for your online payment collection and disbursement strategy with diverse requirements and operational realities. Payment workflow is an integral part of customer’s shopping experience. After the customer adds the products to the shopping cart on merchant's website and checkout, merchant need to offer various payment modes to make the shopping experience complete.

## Payment workflow

<figure><img src="/files/9iDP9WIhIxGiV7kwRaTc" alt=""><figcaption></figcaption></figure>

## Types of Payment Method Integration

Galaxy Pay offers various types of Payment Method integration with your system to collect payments from customers using multiple payment modes.

After Payment Method integration, merchant can use various Integration APIs for further requests with banks, credit card providers, or wallet providers.

* [Modal checkout](/upc/payment-gateway/payment-solution/modal-checkout.md)
  * Requires minimal coding effort and makes integration easy.&#x20;
  * Merchant does not need to handle or store any payment details, thus reducing PCI compliance costs.&#x20;
  * Displays the payment interface as an iframe on the merchant's website. Users are not redirected, ensuring a seamless payment process and optimizing the overall payment journey.
* [Merchant checkout](/upc/payment-gateway/payment-solution/merchant-checkout.md)
  * Easier and faster integration.
  * Redirect your customers to pre-built pages of Galaxy Pay for making payments.
  * Low PCI-DSS certifications required.
* [Merchant Hosted checkout](/upc/payment-gateway/payment-solution/merchant-hosted-checkout.md)
  * Collect customer’s payment credentials directly through your payments interface.
  * Integrate with suite of Web Checkout-based products API with your custom interface.
  * PCI-DSS certifications required.
* [Pay with option](/upc/payment-gateway/payment-solution/pay-with-option.md)
  * Simple payment process enhances customer experience.
  * No need for complex system layout design.
  * Ensures secure handling of customer payment information without requiring PCI-DSS certification.

## API Operation

By using Galaxy Pay Payment Gateway, merchant can integrate using the below listed API Operations:

1. [Pay](/upc/payment-gateway/api-specification/payment/pay.md)
2. [Pay with token](/upc/payment-gateway/api-specification/payment/pay-with-token.md): enhances security by using tokens instead of sensitive card data, reducing breach risks and PCI compliance burdens. It streamlines payments by eliminating the need for customers to re-enter details, supports recurring transactions seamlessly, and reduces decline rates through automatic token updates.
   1. Step 1: Use API [Pay with create token](/upc/payment-gateway/api-specification/payment/pay-with-create-token.md) to create token
   2. Step 2: Use Token created in step 1 and API [Pay](/upc/payment-gateway/api-specification/payment/pay-with-token.md) (Pay with token) to pay
3. [Fast pay](/upc/payment-gateway/payment-solution/fast-pay.md): an automated payment method that doesn't require customer interaction. Instead of redirecting customers to an OTP input page, the system will immediately process the transaction by calling API Pay with the stored card information or token.


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://docs.galaxypay.vn/upc/payment-gateway/payment-solution.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.