> ## Documentation Index
> Fetch the complete documentation index at: https://docs.jupico.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Accept Payments with Jupico: Cards, ACH, and Wallets
> Choose your Jupico payment path: hosted products for fast launch, custom tokenization flows for native checkout, or in-person terminal payments.
Jupico gives your platform three distinct paths for accepting payments. Choose **hosted payments** when you want a fast launch with minimal UI work and Jupico handles the payment page. Choose **custom payments** when checkout must live natively inside your product and you need precise control over transaction sequencing, fee logic, and saved payment methods. Choose **in-person payments** when your merchants accept payments at a physical location through a terminal or semi-integrated point-of-sale flow.
## Payment acceptance paths
| Path | Best for | Who hosts the payment experience |
| ------------------------------ | ------------------------------------------------------ | ----------------------------------------------- |
| Hosted Payments | Fast launch, minimal payment UI work, lower PCI burden | Jupico |
| Tokenization + Custom Payments | Native platform checkout and custom transaction logic | Platform UI with Jupico tokenization components |
| In-person Payments | Terminal or point-of-sale acceptance | Terminal / semi-integrated flow |
## Hosted payments
Hosted products let Jupico handle the payment page, tokenization, and customer-facing collection experience. Use hosted products when you want a faster launch or when you do not need to fully control the checkout UI.
Hosted products include:
* **Checkout** — a Jupico-hosted payment page you redirect customers to
* **Payment Links** — shareable links that open a hosted payment experience
* **Invoicing** — send and collect invoice payments through Jupico-hosted pages
* **Subscriptions** — recurring billing managed by Jupico
* **Installments** — split-payment plans hosted and managed by Jupico
## Custom payments
Custom payments let your platform own the payment form and transaction sequence while using Jupico tokenization to keep sensitive card and bank-account data out of your environment. All the UI stays inside your product; Jupico handles the security-sensitive parts.
Use custom payments when you need:
* Native checkout inside your product
* Authorization followed by later capture
* Dynamic fee logic
* Tax withholding and release behavior
* Customer-specific saved payment methods
* Card, ACH/eCheck, and wallet choices in a single platform flow
### Custom payment building blocks
| Building block | Purpose |
| ----------------------------- | --------------------------------------------------------------------------------------- |
| Browser authorization session | Defines the merchant and enabled payment methods for the payment page |
| Web components | Collect card, bank, or wallet details securely |
| Payment token | Represents the payment method without exposing sensitive data |
| Transaction API | Executes sale, authorization, capture, void, refund, or rollback operations |
| Metadata | Connects Jupico payments to your platform orders, customers, and reconciliation records |
| Webhooks / queries | Keep your platform synchronized with payment status |
## Tokenization first
For custom payments, begin with tokenization. Your customer enters payment details through a Jupico web component — a lightweight, framework-agnostic element that handles data collection, validation, and secure transmission entirely within Jupico's environment. Jupico returns a token that your backend uses for a sale, authorization, subscription, installment, or saved payment method flow. Sensitive card and bank-account data never passes through your servers.
## Card transaction operations
The Transaction API supports the full set of card operations you need to build a complete payment lifecycle:
* **Sale** — authorize and capture funds immediately in one step
* **Authorization** — reserve funds on the card for later capture
* **Capture** — complete and confirm a prior authorization
* **Void** — cancel an unsettled transaction before settlement
* **Refund** — return funds to the customer after settlement
* **Rollback** — reverse a transaction when a communication or system issue prevents a reliable response
## How to choose
Choose **hosted payments** when speed and simplicity matter most and you are comfortable delegating the checkout UI to Jupico.
Choose **custom payments** when the payment experience must be native to your platform or when you need precise control over transaction sequencing, fees, and saved methods.
Choose **in-person payments** when your merchants accept payments at a physical location and need terminal-based acceptance connected to Jupico reporting and payout flows.
## Explore custom payment topics
Understand how Jupico replaces sensitive payment data with secure tokens and how the authorization session flow works.
Embed Jupico's framework-agnostic components for card, bank account, Apple Pay, and Google Pay collection.
Reference for Sale, Authorization, Capture, Void, Refund, and Rollback operations.
Accept bank account payments using the eCheck web component and tokenization flow.
Add Apple Pay and Google Pay to your checkout with plug-and-play wallet web components.