Payment Gateways

Accept Payments From Anywhere 💳

The checkout experience can make or break a sale. When customers reach the payment stage, any friction—limited options, unfamiliar providers, or complicated processes—can lead to abandoned carts. Trinavo's payment gateway system removes these barriers by offering a flexible, plugin-based architecture that supports multiple payment methods tailored to your customers' preferences and regional requirements.

Whether your customers prefer credit cards, digital wallets, buy-now-pay-later services, or cash on delivery, Trinavo handles it all through a unified interface. Store owners configure payment methods once and provide a seamless checkout experience across all channels—web, mobile, and beyond.

Plugin-Based Payment Architecture

Trinavo uses a modular plugin system for payment processing. Each payment gateway operates as an independent plugin with its own configuration, behavior, and integration requirements. This architecture offers significant advantages over hardcoded payment solutions.

Why Plugins Matter

The plugin approach means new payment methods can be added without modifying core platform code. When a new regional payment provider emerges or a popular service releases an API update, the plugin can be updated or added independently. Your store benefits from the latest payment innovations without waiting for platform upgrades.

Each plugin encapsulates all the complexity of communicating with payment providers—handling API authentication, processing webhooks, managing refunds, and dealing with provider-specific quirks. You simply configure your credentials and let the plugin handle the rest.

Available Payment Plugins

Trinavo includes plugins for popular payment providers across different regions:

Moyasar: A leading payment gateway in Saudi Arabia, Moyasar supports credit card payments, Apple Pay, and local payment methods. Ideal for stores targeting Saudi customers who want familiar, trusted payment options.

Tabby: Buy Now, Pay Later is increasingly popular across the Middle East. Tabby allows customers to split payments into installments, often interest-free. This can significantly increase average order values and conversion rates for higher-priced items.

Tamara: Another BNPL provider with strong presence in Saudi Arabia and the UAE. Tamara offers similar installment payment options, giving customers financial flexibility while you receive payment upfront.

Alawneh Pay: For stores serving customers in Jordan, Alawneh Pay provides local payment processing that customers trust and recognize.

User Wallet: Trinavo's built-in wallet system lets customers maintain a balance in your store. They can top up their wallet and use it for faster checkout. Great for building customer loyalty and encouraging repeat purchases.

Offline Payments: Cash on delivery, bank transfers, and other manual payment methods remain important in many markets. The offline payment plugin handles these scenarios with proper order tracking and confirmation workflows.

Configuring Payment Methods

Setting up payment methods in Trinavo is straightforward. Each method has its own configuration page where you define how it appears to customers and how it connects to the payment provider.

Display Configuration

Customize how each payment method appears during checkout:

Display Name: The name customers see when selecting payment options. This can be different from the internal name you use for organization. Display names support multiple languages, so you can show "Credit Card" to English speakers and "بطاقة ائتمان" to Arabic speakers.

Description: Help customers understand what they're choosing. Explain any benefits, fees, or important information about the payment method. Like display names, descriptions are translatable.

Logo: Upload the payment provider's logo or a custom image. Familiar logos build trust—customers feel more confident when they recognize payment brands.

Sort Order: Control the order in which payment methods appear. Place your preferred or most popular methods at the top for better visibility.

Enable/Disable: Quickly turn payment methods on or off without deleting their configuration. Useful for seasonal promotions, maintenance periods, or testing new options.

Plugin Settings

Each payment plugin has unique configuration requirements based on the provider's API:

API Credentials: Enter your merchant ID, API keys, secret keys, or other authentication credentials. These are stored securely and used when processing payments.

Environment Mode: Switch between sandbox/test mode and live production mode. Test your integration thoroughly before accepting real payments.

Additional Options: Depending on the plugin, you may configure options like supported currencies, minimum/maximum transaction amounts, or specific features like 3D Secure authentication.

Configuration Testing

Before going live, Trinavo lets you test your payment configuration directly from the admin panel. The "Test Configuration" feature validates your credentials and connectivity with the payment provider, helping you catch configuration errors before customers encounter them.

Offline Payment Methods 💵

Not all payments happen online. Cash on delivery remains popular in many regions, and bank transfers are common for larger orders or B2B transactions. Trinavo's offline payment system handles these scenarios professionally.

Types of Offline Payments

Configure offline methods for different purposes:

Deposits: Customers can deposit money to their store wallet using bank transfers or other manual methods. You receive the funds, verify the deposit, and credit their wallet.

Withdrawals: For marketplace scenarios where vendors need to receive payouts, offline withdrawal methods let you configure bank transfer options with associated fees.

Both: Some payment methods work for both deposits and withdrawals, streamlining configuration for bidirectional financial flows.

Fee Configuration

Offline payment methods can include fee structures:

Deposit Fees: Charge a percentage fee on deposits to cover processing costs or bank charges.

Withdrawal Fees: Configure withdrawal fee percentages for vendor payouts or customer wallet withdrawals.

These fees are displayed transparently to users before they initiate transactions, ensuring no surprises.

Multi-Language Checkout

Your customers may speak different languages, and the checkout experience should feel native to each. Every element of Trinavo's payment system supports multiple languages:

• Payment method names display in the customer's language
• Descriptions and instructions are translated
• Error messages and confirmations appear in the appropriate language
• Success and failure pages respect language preferences

This localization extends through the entire payment flow, from method selection to order confirmation.

Security and Compliance 🔒

Payment security isn't optional—it's essential. Trinavo implements multiple layers of protection for payment processing.

PCI Compliance

Trinavo's payment integrations follow PCI-DSS guidelines. Sensitive card data is never stored on your server; instead, it's handled directly by payment providers through secure tokenization. This reduces your compliance burden and protects customer data.

SSL Encryption

All payment pages use SSL encryption (HTTPS). Every Trinavo store receives a free SSL certificate, ensuring data transmitted between customers and your store is encrypted and protected from interception.

Provider Security

Each payment provider implements their own security measures—fraud detection, 3D Secure authentication, velocity checks, and more. These layers work together to protect both you and your customers from fraudulent transactions.

Transaction Management

After payments are processed, you need visibility into what's happening. Trinavo provides tools for monitoring and managing transactions.

Payment Status Tracking

Every order displays its payment status—pending, paid, failed, or refunded. You can see at a glance which orders require attention and which are ready for fulfillment.

Refund Processing

When refunds are necessary, supported payment plugins handle them through the same interface. Process full or partial refunds without logging into separate payment provider dashboards.

Transaction History

Maintain complete records of all payment activity. Filter and search transactions by date, status, payment method, or customer for accounting and reconciliation purposes.

Buy Now, Pay Later Benefits

BNPL services like Tabby and Tamara offer specific advantages for e-commerce:

Higher Conversion Rates

Customers who might hesitate at checkout due to price can proceed when offered installment options. The ability to split payments removes financial barriers to purchase.

Increased Average Order Value

With payment spread over time, customers often feel comfortable adding more to their cart. Studies consistently show BNPL customers spend more per order than those paying in full.

Reduced Cart Abandonment

Price shock is a leading cause of cart abandonment. BNPL addresses this directly by reframing the total as smaller, manageable payments.

Risk-Free for Merchants

BNPL providers pay you the full amount upfront. The customer's obligation is to the BNPL provider, not to you. You get paid immediately while customers pay over time.

Regional Payment Considerations

Different markets have different payment preferences. Trinavo's plugin system lets you cater to regional needs:

Saudi Arabia: Moyasar for card payments, Tabby and Tamara for BNPL, cash on delivery for traditional buyers.

UAE: Similar gateway options with strong BNPL adoption and increasing digital wallet usage.

Jordan: Alawneh Pay for local processing, alongside international options.

Other Regions: The plugin architecture allows for additional gateways as your business expands to new markets.

Start Accepting Payments Today

Payment processing shouldn't be complicated. Trinavo's payment gateway system gives you flexibility to offer multiple payment methods, the security to process transactions safely, and the visibility to manage everything from a single dashboard.

Configure your preferred gateways, customize how they appear to customers, and start accepting payments. Whether your customers pay by card, wallet, installments, or cash—Trinavo handles it seamlessly.