Before merchants can process credit card payments in real time, they will need to have a merchant services agreement with their bank. They must also choose an integration option with Realex Payments which links their website, sales system or call centre application with Realex’s Payment Gateway. We have a number of integration options available to suit the needs of merchants, which are detailed below.

Online Resource Centre

To ease the process of integration, we provide an online resource centre for merchants who have signed up to one of our services. If you do not have your login details for the resource centre website, please email us This e-mail address is being protected from spambots. You need JavaScript enabled to view it

This resource site provides a wealth of information such as online tutorials, sample code and our FAQ and forum. However, our dedicated support team will always be ready to help with any integration issues that may arise.

Redirect Integration

• Merchant does not need a secure server.
• Can be hosted anywhere, and on any platform as long as CGI scripts are enabled.
• Merchant does not collect the card details and do not have access to them.
• The customer is redirected to the RealAuth application on a secure Realex Payments server by a script on the merchant’s website.
• Realex Payments hosts a secure, merchant-branded web page. We collect the card details and process the payment. The customer and the results of the transaction are sent back to the merchant via another script on a merchant’s website. (Realex Payments can provide sample scripts to get you started).

Services available for redirect integration:

• Credit and Debit Card Authorisations - RealAuth
• Dual Currency Conversion - RealFX
• Card storage facility - Real Vault
• Fraud Scoring (Real Score) and 3D Secure

Remote Integration

• Merchant needs a secure server or can integrate into a desktop application.
• The card details are collected by the merchant and passed to Realex Payments as XML messages. Realex Payments respond with an XML message containing the results of the transaction in a matter of seconds. (We can provide sample scripts to get you started)
• The merchant controls the full process, screen flow. The customer may never know Realex Payments were involved in the process.
• Fraud Scoring (Real Score) and 3D Secure

Services available for remote integration:

• Credit and Debit Card Authorisations - RealAuth
• Card Holder Authentication - RealMPI
• Direct Debits - RealEFT
• Dual Currency Conversion - RealFX
• Card Storage facility - Real Vault