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Who should use this guideThis guide is intended for merchants who:
  • Use Payrails as a payment orchestrator
  • Use HiPay to accept card payments in Europe
HiPay is a server-to-server card connector with no hosted payment page. Your shopper enters card details directly in your checkout through the Payrails SDK’s secure fields, and a redirect to HiPay happens only for the 3DS challenge, when one is required.

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Create and configure a HiPay integration in Payrails

Follow these steps to set up HiPay:
  1. Log in to the Payrails portal.
  2. Go to Settings → Integrations → Payments.
  3. Select Add instance to create a new HiPay integration configuration.
  4. Select the workspaces where this integration should be available.
About workspacesWorkspaces determine where this integration is available. They let you isolate provider setups by region or business line, or share the same configuration across multiple workspaces.

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Step 2: Choose the provider

Select HiPay and continue to the next step. Payrails provider selection set to HiPay

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Step 3: Configure your HiPay integration

What you’ll need from HiPayBefore you begin, make sure you have access to your HiPay Console and the following. HiPay uses two separate credential pairs for two separate hosts, so copy each into the matching field:
  • Private credentials—Username and Password (used to authorize, capture, cancel, and refund payments)
  • Secret Passphrase (used to verify HiPay’s notification signatures)
  • Public credentials—Username and Password (used only to tokenize the card)

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Integration instance name

An integration instance is a specific payment provider setup in Payrails. You can create multiple instances for each provider based on region, currency, or business needs. Choose a clear, consistent name, since it’s used in routing.
In Payrails
  • Enter an Instance name for your integration.
Payrails integration instance name field for HiPay

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Private credentials

In HiPay
  • Log in to the HiPay Console (stage or production).
  • Switch to the “Old Interface,” since it has more options.
HiPay Console login screen HiPay Console toggle for switching to the Old Interface
  • Go to Integration → Security Settings and copy your private Username and Password.
HiPay Console security settings showing private username and password fields In Payrails
  • Paste the values into the Private username and Private password fields.
Payrails private username and password fields for HiPay

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Secret Passphrase

In HiPay
  • Still in Integration → Security Settings, copy your Secret Passphrase.
  • Set the Hashing Algorithm to SHA-256.
HiPay Console security settings showing secret passphrase and hashing algorithm fields In Payrails
  • Paste the value into the Secret Passphrase field.
Payrails secret passphrase field for HiPay Store your merchant secret passphrase securely. Payrails uses it to verify that notifications genuinely come from HiPay.

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Public credentials

In HiPay
  • In the same Security Settings section, copy your public Username and Password.
HiPay Console security settings showing public username and password fields In Payrails
  • Paste the values into the Public username and Public password fields.
Payrails public username and password fields for HiPay
The public credentials are only used to tokenize the card on HiPay’s vault host. The raw card number never reaches Payrails or your systems: it is sentas a vault placeholder through the Payrails vault proxy.

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Payment methods

In Payrails
  • Under Payment methods, enable Card.

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Configure notifications in the HiPay Console

Unlike some providers, HiPay requires you to configure the notification (webhook) URL yourself, on the HiPay side. In Payrails
  • After saving your HiPay configuration, copy the generated notification URL from the provider config.
In HiPay
  1. In the HiPay Console, go to Integration → Notifications.
  2. Paste the Payrails notification URL.
  3. Select the transaction statuses to be notified on. At minimum, enable: 109–115, 116–119, 124–126, 163, 165, and 173–175.
HiPay Console notification settings with transaction status selection
  1. Enable the operation[...] fields in the notification settings. These are off by default.
HiPay Console notification settings showing the operation fields toggle
Enable the operation[...] fields—this step is required. Without them, Payrails cannot match partial captures and partial refunds back to the correct operation, and notifications for those operations may be dropped.

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Enable the integration

In Payrails
  • Select Save account to save the configuration and enable the integration.
  • The Enabled status confirms that the HiPay integration is active.
Your HiPay integration is now ready to process payments.

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Next steps

  1. Run a test payment in test mode using a HiPay test card, in EUR:
    • Frictionless: Visa 4111 1111 1111 1111, any near-future expiry, any three-digit CVV.
    • 3DS challenge: Visa 4242 4242 4242 4242, any near-future expiry, any three-digit CVV—complete the challenge on HiPay’s page.
  2. Verify that:
    • The payment appears in your HiPay Console.
    • The payment status updates correctly in Payrails.
  3. Once verified in test mode, repeat the setup in live mode.
Continue to: Test a payment
Last modified on September 28, 2026