ePay via Skrill Quick Checkout

ePay is an eWallet that consumers can use to pay utility bills or transfer money online. Consumers register their debit or credit card when signing up for an ePay account, and may use it to top up their balance. Consumers can then make a payment directly from their eWallet. Their eWallet must be topped up before they can make a payment.

ePay at a glance

Payment type	eWallet
Consumer markets	Bulgaria
Currencies	Consumer currency: EUR Processing currency: EUR
Transaction types	Payments: YES Payouts: NO Refunds: NO Partial refunds: NO Chargebacks/ reversals: NO Recurring payments: NO
Limits	600 EUR per transaction
Guarantee	YES (optional)
Reporting	You can review your transactions in the Skrill Merchant Portal.
Funding	For all payments, Paysafe settles the net amount (payments - fees) directly to your bank account.
Supported languages	EN, BG
Dynamic descriptor	NO

Prerequisites

To create accounts in both the sandbox and production environments, we need the following details:

Your Skrill Pay to email address.
Your Skrill account API/MQI password.

NOTE: To offer ePay, you must be onboarded with Skrill.

Integration options

We offer the following integration options for ePay:

Payments API: YES

Paysafe Checkout: NO

Paysafe JS: NO

Mobile SDKs: NO

Best practice

We recommend that you follow these best practice guidelines:

Use a webhook or query so that you always know the latest status - for example, you cannot rely on the consumer returning to your website as some consumers may close their browser.
To pay with ePay, the consumer must have a sufficient balance in their ePay wallet. You may advise them to top up their wallet before initiating the payment.

Use case 1: Payments

This use case enables your consumer to choose ePay as a payment option on your webstore and to make a payment.

Implementation

Call the following endpoints in sequence:

/paymenthub/v1/paymenthandles

Initializes the payment process and provides you with a URL to redirect the consumer.

Redirect the consumer to the provided URL so that they can complete the payment over ePay from their eWallet, or from the credit or debit card linked to their account.
/paymenthub/v1/payments
Call the payments endpoint to complete the payment within 15 minutes - after this, the payment handle expires.

NOTE: For code examples and detailed explanations of the parameters, refer to the Payments API Reference.

STEP 1: Call paymenthandles

Call endpoint /paymenthub/v1/paymenthandles
- transactionType: PAYMENT
- paymentType: EPAY
Pass the required parameters in the profile object.

Paysafe creates a payment handle and returns our standard gateway response, indicating either a positive or negative outcome.

Happy path: consumer initiates payment

Outcome	Paysafe HTTP Status Code	LPM Error Code/ Message	Can be simulated?	How to simulate?	Payment handle status	Next action
The consumer initiates a payment request.	201		YES	Pass INTERNAL as the simulator field value in your request header.	INITIATED	Go to step 2 to redirect and complete the payment.

The payment handle status depends on the outcome of the request:
- For positive scenarios, the payment handle is created with status INITIATED.
- For negative scenarios, the payment handle is created with status FAILED.

STEP 2: Redirect consumer

Redirect the consumer to the URL provided in the payment handle response.
- The payment handle status changes to PROCESSING.
The consumer completes the transaction by logging in to their ePay wallet.
- The payment handle status changes to PAYABLE.

Paysafe returns our standard gateway response, indicating either a positive or negative outcome:

Happy path: the payment was successful

Outcome	Paysafe HTTP Status Code	LPM Error Code/ Message	Can be simulated?	How to simulate?	Payment handle status	Next action
The payment is authorized.			YES	Pass INTERNAL as the simulator field value in your request header. Select COMPLETED in the payment status dropdown.	PAYABLE	Go to step 3 to process the payment.

Outcome

Paysafe
HTTP
Status Code

LPM Error
Code/ Message

Can be
simulated?

How to
simulate?

Payment
handle
status

Next
action

The payment
is authorized.

YES

Pass INTERNAL
as the simulator
field value in your
request header.

Select COMPLETED
in the payment
status dropdown.

PAYABLE

Go to step 3 to
process the
payment.

Unhappy path: the payment was declined by Skrill's provider/ internal fraud engine

Outcome	Paysafe HTTP Status Code	LPM Error Code/ Message	Can be simulated?	How to simulate?	Payment handle status	Next action
The payment is declined i.e. it fails.			YES	Pass INTERNAL as the simulator field value in your request header. Select FAILED in the payment status dropdown.	FAILED

Outcome

Paysafe
HTTP
Status Code

LPM Error
Code/ Message

Can be
simulated?

How to
simulate?

Payment
handle
status

Next
action

The payment
is declined
i.e. it fails.

YES

Pass INTERNAL
as the simulator
field value in your
request header.

Select FAILED
in the payment
status
dropdown.

FAILED

The payment handle status depends on the outcome:
- For positive scenarios, the status changes to PAYABLE.
- For negative scenarios, the status changes to FAILED.

STEP 3: Call payments

Call endpoint /paymenthub/v1/payments using the paymentHandleToken.

Paysafe returns our standard gateway response, indicating either a positive or negative outcome:

Happy path: the payment is successfully submitted

Outcome	Paysafe HTTP Status Code	LPM Error Code/ Message	Can be simulated?	How to simulate?	Payment handle status	Next action
The payment is completed.	201		YES	Pass INTERNAL as the simulator field value in your request header. Select COMPLETED in the payment status dropdown.	COMPLETED

Outcome

Paysafe
HTTP
Status Code

LPM Error
Code/ Message

Can be
simulated?

How to
simulate?

Payment
handle
status

Next
action

The payment
is completed.

201

YES

Pass INTERNAL
as the simulator
field value in your
request header.

Select COMPLETED
in the payment
status dropdown.

COMPLETED

The payment status depends on the outcome of the request:
- For positive scenarios, the status changes to COMPLETED.
- For negative scenarios, the status changes to FAILED.
- For negative scenarios where the token expires after 15 minutes, the status changes to EXPIRED.

Webhooks

You receive a webhook when the payment handle status or payment status changes. You can also look up the status by executing a GET payment handle or GET payment call.

Payment handle status	Payment status	Event
PROCESSING	-	The consumer has been redirected to the redirection link.
PAYABLE	-	The consumer successfully authorized the transaction by logging in to their ePay wallet.
COMPLETED	COMPLETED	You initiated the payments call and the transaction was successful.
COMPLETED	FAILED	You initiated the payments call and the transaction failed. NOTE: Regardless of the payments call response status, the payment handle status always changes to COMPLETED when a payments call is made.
FAILED	-	The payment handle was created, and the consumer was redirected to ePay. However, the consumer either abandoned the transaction or failed to authorize it.
EXPIRED	-	The payment handle has expired because it was not used in the payments call within 15 minutes (TTL).

GET calls

Use the following GET calls to look up the payment handle or payment status:

GET payment handle using the payment handle ID returned in the response to your original /paymenthandles call.

Test: https://api.test.paysafe.com:443/paymenthub/v1/paymenthandles/<paymentHandleId>
Production: https://api.paysafe.com:443/paymenthub/v1/paymenthandles/<paymentHandleId>

GET payment handle using the merchant reference number returned in the response to your original /paymenthandles call.

Test: https://api.test.paysafe.com:443/paymenthub/v1/paymenthandles?merchantRefNum=<merchantrefNum>
Production: https://api.paysafe.com:443/paymenthub/v1/paymenthandles?merchantRefNum=<merchantrefNum>

GET payment using the payment ID returned in the response to your original /payments call.

Test: https://api.test.paysafe.com:443/paymenthub/v1/payments/<paymentId>
Production: https://api.paysafe.com:443/paymenthub/v1/payments/<paymentId>

GET payment using the merchant reference number returned in the response to your original /payments call.

Test: https://api.test.paysafe.com:443/paymenthub/v1/payments?merchantRefNum=<merchantrefNum>
Production: https://api.paysafe.com:443/paymenthub/v1/payments?merchantRefNum=<merchantrefNum>

Example webhook packets for payments

{

  "payload": {

    "accountId": "1026527631",

    "id": "66523323-afd4-4305-9f5a-a7c75c5af42d",

    "merchantRefNum": "cedcac83-4fd8-4945-a642-86288a5969c6",

    "paymentHandleToken": "PHSquWevMlGqJ7Mt",

    "transactionType": "PAYMENT",

    "amount": 100,

    "currencyCode": "EUR",

    "status": "PROCESSING",

    "paymentType": "EPAY",

    "billingDetails": {

      "street1": "100 Queen",

      "street2": "Unit 201",

      "zip": "123456",

      "city": "Toronto",

      "country": "CA"

    },

    "statusTime": "2026-02-23T11:34:23Z",

    "updatedTime": "2026-02-23T11:34:23Z",

    "gatewayReconciliationId": "12329d19-c53e-4d55-a66c-c7aa6f81653d",

    "customerIp": "172.0.0.1",

    "profile": {

      "firstName": "kranthi",

      "lastName": "kumar",

      "email": "test@paysafe.com",

      "dateOfBirth": {

        "day": 1,

        "month": 1,

        "year": 1901

      },

      "phone": "1234567890"

    },

    "usage": "SINGLE_USE",

    "executionMode": "SYNCHRONOUS",

    "gatewayResponse": {

      "processor": "SKRILL_QCO",

      "sid": "9eea5af5fb5370f3730cb18b1e6d4157"

    },

    "txnTime": "2026-02-23T11:34:09Z"

  },

  "eventType": "PAYMENT_HANDLE_PROCESSING",

  "attemptNumber": "1",

  "resourceId": "66523323-afd4-4305-9f5a-a7c75c5af42d",

  "eventDate": "2026-02-23T11:34:09Z",

  "links": [

    {

      "href": "https://api.qa.paysafe.com/alternatepayments/v1/accounts/1026527631/paymenthandles/66523323-afd4-4305-9f5a-a7c75c5af42d",

      "rel": "payment_handle"

    }

  ],

  "mode": "live",

  "eventName": "PAYMENT_HANDLE_PROCESSING"

}

{

  "payload": {

    "accountId": "1026527631",

    "id": "baff51f4-009d-42a3-b146-218075ae7e35",

    "merchantRefNum": "5a462240-1960-4c50-95ca-664c7bb62a4f",

    "paymentHandleToken": "PHIvU9KQvPo2BVbb",

    "transactionType": "PAYMENT",

    "amount": 100,

    "currencyCode": "EUR",

    "status": "PAYABLE",

    "paymentType": "EPAY",

    "billingDetails": {

      "street1": "100 Queen",

      "street2": "Unit 201",

      "zip": "123456",

      "city": "Toronto",

      "country": "CA"

    },

    "statusTime": "2026-02-23T11:35:14Z",

    "updatedTime": "2026-02-23T11:35:14Z",

    "gatewayReconciliationId": "700994c0-2171-4c92-b117-6fd8f051f931",

    "customerIp": "172.0.0.1",

    "profile": {

      "firstName": "kranthi",

      "lastName": "kumar",

      "email": "test@paysafe.com",

      "dateOfBirth": {

        "day": 1,

        "month": 1,

        "year": 1901

      },

      "phone": "1234567890"

    },

    "usage": "SINGLE_USE",

    "executionMode": "SYNCHRONOUS",

    "gatewayResponse": {

      "transaction_id": "700994c0-2171-4c92-b117-6fd8f051f931",

      "amount": "1.0",

      "merchant_id": "982842053",

      "payerIban": "c0320c31685941d883d546d6a08c97e1",

      "processor": "SKRILL_QCO",

      "sid": "894ba8ac15a248578b63e4f6b08f20ba",

      "mb_transaction_id": "1262997306",

      "pay_from_email": "fake@email.com",

      "pay_to_email": "elvisstoyanov.qco@sun-fish.com",

      "payerName": "kranthi kumar",

      "currency": "EUR",

      "id": "1262997306",

      "status": "2"

    },

    "txnTime": "2026-02-23T11:34:58Z"

  },

  "eventType": "PAYMENT_HANDLE_PAYABLE",

  "attemptNumber": "1",

  "resourceId": "baff51f4-009d-42a3-b146-218075ae7e35",

  "eventDate": "2026-02-23T11:34:58Z",

  "links": [

    {

      "href": "https://api.qa.paysafe.com/alternatepayments/v1/accounts/1026527631/paymenthandles/baff51f4-009d-42a3-b146-218075ae7e35",

      "rel": "payment_handle"

    }

  ],

  "mode": "live",

  "eventName": "PAYMENT_HANDLE_PAYABLE"

}

{

  "payload": {

    "accountId": "1026527631",

    "id": "baff51f4-009d-42a3-b146-218075ae7e35",

    "merchantRefNum": "5a462240-1960-4c50-95ca-664c7bb62a4f",

    "paymentHandleToken": "PHIvU9KQvPo2BVbb",

    "transactionType": "PAYMENT",

    "amount": 100,

    "currencyCode": "EUR",

    "status": "COMPLETED",

    "paymentType": "EPAY",

    "billingDetails": {

      "street1": "100 Queen",

      "street2": "Unit 201",

      "zip": "123456",

      "city": "Toronto",

      "country": "CA"

    },

    "statusTime": "2026-02-23T11:37:00Z",

    "updatedTime": "2026-02-23T11:37:00Z",

    "gatewayReconciliationId": "700994c0-2171-4c92-b117-6fd8f051f931",

    "customerIp": "172.0.0.1",

    "profile": {

      "firstName": "kranthi",

      "lastName": "kumar",

      "email": "test@paysafe.com",

      "dateOfBirth": {

        "day": 1,

        "month": 1,

        "year": 1901

      },

      "phone": "1234567890"

    },

    "usage": "SINGLE_USE",

    "executionMode": "SYNCHRONOUS",

    "gatewayResponse": {

      "transaction_id": "700994c0-2171-4c92-b117-6fd8f051f931",

      "amount": "1.0",

      "merchant_id": "982842053",

      "payerIban": "c0320c31685941d883d546d6a08c97e1",

      "processor": "SKRILL_QCO",

      "sid": "894ba8ac15a248578b63e4f6b08f20ba",

      "mb_transaction_id": "1262997306",

      "pay_from_email": "fake@email.com",

      "pay_to_email": "elvisstoyanov.qco@sun-fish.com",

      "payerName": "kranthi kumar",

      "currency": "EUR",

      "id": "1262997306",

      "status": "2"

    },

    "txnTime": "2026-02-23T11:34:58Z"

  },

  "eventType": "PAYMENT_HANDLE_COMPLETED",

  "attemptNumber": "1",

  "resourceId": "baff51f4-009d-42a3-b146-218075ae7e35",

  "eventDate": "2026-02-23T11:34:58Z",

  "links": [

    {

      "href": "https://api.qa.paysafe.com/alternatepayments/v1/accounts/1026527631/paymenthandles/baff51f4-009d-42a3-b146-218075ae7e35",

      "rel": "payment_handle"

    }

  ],

  "mode": "live",

  "eventName": "PAYMENT_HANDLE_COMPLETED"

}

{

  "payload": {

    "accountId": "1026527631",

    "id": "ee1ba660-e47b-438a-bd18-1048e604e7f9",

    "merchantRefNum": "6cc5b4ff-66ea-412e-8f7d-50c14a0a7079",

    "paymentHandleToken": "PH3ubKU1HFZmWx1s",

    "transactionType": "PAYMENT",

    "amount": 100,

    "currencyCode": "EUR",

    "status": "EXPIRED",

    "statusReason": "AUTH_EXPIRED",

    "paymentType": "EPAY",

    "billingDetails": {

      "street1": "100 Queen",

      "street2": "Unit 201",

      "zip": "123456",

      "city": "Toronto",

      "country": "CA"

    },

    "statusTime": "2026-02-23T11:48:37Z",

    "updatedTime": "2026-02-23T11:48:37Z",

    "gatewayReconciliationId": "75fe8289-612e-49a6-aabc-b9008003fce6",

    "customerIp": "172.0.0.1",

    "profile": {

      "firstName": "kranthi",

      "lastName": "kumar",

      "email": "test@paysafe.com",

      "dateOfBirth": {

        "day": 1,

        "month": 1,

        "year": 1901

      },

      "phone": "1234567890"

    },

    "usage": "SINGLE_USE",

    "executionMode": "SYNCHRONOUS",

    "gatewayResponse": {

      "processor": "SKRILL_QCO",

      "sid": "215b4d8dde2bfee0cdc2c6b460f8e422"

    },

    "txnTime": "2026-02-23T11:33:33Z"

  },

  "eventType": "PAYMENT_HANDLE_EXPIRED",

  "attemptNumber": "1",

  "resourceId": "ee1ba660-e47b-438a-bd18-1048e604e7f9",

  "eventDate": "2026-02-23T11:33:33Z",

  "links": [

    {

      "href": "https://api.qa.paysafe.com/alternatepayments/v1/accounts/1026527631/paymenthandles/ee1ba660-e47b-438a-bd18-1048e604e7f9",

      "rel": "payment_handle"

    }

  ],

  "mode": "live",

  "eventName": "PAYMENT_HANDLE_EXPIRED"

}

{

  "payload": {

    "accountId": "1026527631",

    "id": "47b5b49d-c7de-4af5-bbed-c8229f11b894",

    "merchantRefNum": "e01fa95d-11bd-4757-96a2-3c30acb3dac3",

    "paymentHandleToken": "PHIvU9KQvPo2BVbb",

    "amount": 100,

    "currencyCode": "EUR",

    "status": "COMPLETED",

    "gatewayResponse": {

      "transaction_id": "700994c0-2171-4c92-b117-6fd8f051f931",

      "amount": "1.0",

      "merchant_id": "982842053",

      "payerIban": "c0320c31685941d883d546d6a08c97e1",

      "processor": "SKRILL_QCO",

      "sid": "894ba8ac15a248578b63e4f6b08f20ba",

      "mb_transaction_id": "1262997306",

      "pay_from_email": "fake@email.com",

      "pay_to_email": "elvisstoyanov.qco@sun-fish.com",

      "payerName": "kranthi kumar",

      "currency": "EUR",

      "id": "1262997306",

      "status": "2"

    },

    "paymentType": "EPAY",

    "source": "SingleAPI",

    "availableToSettle": 0,

    "txnTime": "2026-02-23T11:34:58Z",

    "billingDetails": {

      "street1": "100 Queen",

      "street2": "Unit 201",

      "zip": "123456",

      "city": "Toronto",

      "country": "CA"

    },

    "customerIp": "172.0.0.1",

    "profile": {

      "firstName": "kranthi",

      "lastName": "kumar",

      "email": "test@paysafe.com",

      "dateOfBirth": {

        "day": 1,

        "month": 1,

        "year": 1901

      },

      "phone": "1234567890"

    },

    "settleWithAuth": true,

    "statusTime": "2026-02-23T11:37:00Z",

    "updatedTime": "2026-02-23T11:37:00Z",

    "gatewayReconciliationId": "700994c0-2171-4c92-b117-6fd8f051f931"

  },

  "eventType": "PAYMENT_COMPLETED",

  "attemptNumber": "1",

  "resourceId": "47b5b49d-c7de-4af5-bbed-c8229f11b894",

  "eventDate": "2026-02-23T11:34:58Z",

  "links": [

    {

      "href": "https://api.qa.paysafe.com/alternatepayments/v1/accounts/1026527631/payments/47b5b49d-c7de-4af5-bbed-c8229f11b894",

      "rel": "payment"

    }

  ],

  "mode": "live",

  "eventName": "PAYMENT_COMPLETED"

}

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On this Page

ePay at a glance
Prerequisites
Integration options
Best practice
Use case 1: Payments
Webhooks

Search Overlay

ePay via Skrill Quick Checkout

Payment handle status: PROCESSING

Payment handle status: PAYABLE

Payment handle status: COMPLETED

Payment handle status: EXPIRED

Payment status: COMPLETED

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