• What is Brick?

    Brick is a convenient way to accept payments online, charge credit and debit cards on your website or in-app.

  • Interested in online payments?

    Brick gives you a merchant account to handle credit card processing. Choose your preferred API and start accepting payments from all over the world.

  • Can’t find your answer?

    Brick has your back. Contact our support team at support@brickpaments.com so we can assist you.

General

What is Brick?

Brick is an innovative credit card processor that allows online businesses to accept credit card payments in a quick, simple, and easy way. We deal with the payments angle, for you to focus on your business' growth.

From which countries will I be able to process payments with Brick?

Brick processes payments from over 180 countries, excluding those under U.S. Department Of The Treasury sanctions, such as Syria, North Korea, Iran, Sudan, and Burma.

Who can integrate Brick?

Brick is available for businesses from 29 countries:
United States, Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom.

Which currencies does Brick support?

Brick processes payments in more than 75 currencies, including USD, EUR, GBP, RUB, JPY, CHF, CND, CNY, BRL.

Can I use Brick for my iOS / Android application to receive credit card payments?

Yes. Android SDK and iOS SDK are available for use.

Integration

What are the steps needed to integrate Brick on my website?

  1. Implement Brick Checkout (Retrieving Credit Card Information)

    The purpose of the checkout is for you to get your customer's credit card details, which would then be passed to the backend for processing.

    The process is PCI DSS compliant, assuring you and your customers that the information is safe.
    Also for security, payment pages are require to be loaded via https:// (at least TLSv1.1 is recommended).
    Frontend will tokenize the collected details for processing on the backend.
  2. Integrate Brick API (Charging the Credit Card)

    The backend script functions as a billing service for the token retrieved by the frontend script.

    The retrieved token allows the backend script to check if the credit card information is verified.
  3. Testing and setting up a pingback

    For testing purposes (to check if forms for getting credit card information are working, and/or if a credit card is to be charged), your merchant area allows you to use these API keys:

    4242424242424242

    4000000000000002

    Additional Information:
    Details on the test CVV/CSC values are found on the Documentation page.

What programming language can be used to integrate Brick?

PHP
Python
Ruby
Node.js
Java
.NET
Web API

How do I request for Brick Live Keys upon approval of my project?

  1. From the home page of your merchant account, click on My Projects tab located on the left side of the screen.

  2. On the same project, click on Brick Live Keys and click GET LIVE KEYS, the green button below.

  3. A pop up page appears. Click on PROVIDE YOUR PAYOUT DETAILS AND DOCUMENTS.

  4. On the Payout and Compliance tab, please provide all your documents in order for us to speed up your application approval.

    Note:
    Before you receive the Brick Live Keys, you have to submit the necessary Compliance documents.

Does Brick support shopping cart plugins?

Yes, Brick has plugins for several shopping carts and we continuously add more, including:

If you do not see a plugin that you use on our list, please email us at support@brickpayments.com so we can add your preferred shopping cart plugin.

Pingback

What is a pingback?

When a user makes a payment, we send you an HTTP/HTTPS server-to-server notification communicating their user id and the details of the purchase. We call this notification a pingback.

How can I set up a pingback?

You can refer to the documentation page for instructions on how to set up a pingback. Upon receiving a pingback and processing the order on your side, we also recommend implementing the Delivery Confirmation API so Brick can track the order status (in case of non-instant delivery) and update users if they inquire about the payment status. Brick can then dispute possible chargebacks.

How can I add custom pingback parameters?

You can set up custom pingback parameters in My Projects > Settings > Custom Pingback Parameters section. Any custom parameters can be added by specifying their name and value. For elaborate instructions, check out the pingback parameters page.

What is the difference between HTTP and Email pingback?

HTTP request is sent from our servers to your Pingback listener script where we communicate to the details about the payment to your server so it can process the pingback and deliver the product or virtual currency to the according user automatically.

With Email Pingback, an email is sent to the address that you configure once a user pays or completes an offer. Once you receive the email, you should deliver the product manually to the user.

Note:
We highly recommend using HTTP Pingback for an automatic processing of orders.

My pingback script stopped working after I started using Cloudflare/another third-party program for routing traffic. How do I fix this?

If there is any third-party provider (e.g. Cloudflare) that routes the traffic to you and your pingback script stopped working, the IP whitelist check in your pingback script may be the reason. In order to resolve this you can do one of the following:

  1. Check the request headers and server variables to see if the original IP of the request is present in another variable or header (e.g. X-Real-IP header). If so, use this variable for IP whitelist checks.

  2. Add IPs of the third party provider into whitelist of IP addresses in pingback script. (not recommended) Remove IP whitelist check from pingback script. Pingback signature check still needs be in place.

    Please add the following IP Addresses as authorized IP addresses to access the script:

    174.36.92.186

    174.36.92.187

    174.36.92.192

    174.36.96.66

    174.37.14.28

Checkout

What is Brick Checkout?

Brick Checkout is a multi-platform payment form that can be embedded on a site or app for one-click payments.

Can I use a custom checkout form?

Yes. The checkout form can also be integrated in small, transparent iframes.

Which API parameters do I need to integrate in order to start accepting payments with Brick?

Brick API
Delivery Confirmation API
User Profile API.

Recurring Billing

Does Brick support recurring billing for subscriptions?

Yes. Brick allows you set up due dates to automatically charge subscribers.

How much does it cost to use recurring billing for subscriptions with Brick?

There are no setup fees or monthly fees in order to use the recurring billing feature of Brick. Charges only apply per transaction.

How can I activate recurring billing for subscriptions?

Recurring billing can be activated in the Merchant Area. Go to Analytics, then enter details for recurring billing in Subscriptions.

What happens if a recurring transaction fails?

Brick will make two more attempts to charge the customer. Brick will stop the recurring billing if all attempts fail.

Can I create coupons or promotional periods in my pricing plans?

Yes. Please refer to Marketing Tools found in the Merchant Area.

Security

How secure is Brick?

Brick is PCI DSS Level 1 Compliant, the highest level for online credit card security standards.

What is PCI DSS?

PCI DSS (Payment Card Industry Data Security Standard) is a set of protocols to develop, protect, and implement proper handling of debit and credit card transactions. More information on PCI DSS standards can be found here. .

Do I need to be compliant with PCI DSS regulations?

Yes. You are required to be PCI DSS compliant if your business needs to accept credit card payments. Brick requires businesses to fill out and submit a PCI DSS SAQ A (Self-Assessment Questionnaire A) form during merchant account verification. Compliance with PCI DSS regulations means that transactions done on your site are secure, and that your business is a safe and trusted site for customers and financial institutions to work with.

How can I stay PCI DSS compliant with Brick?

  • Secure your payment page with Transport Layer Security (TLS) 1.1 or higher and use HTTPS connection.
  • Use brick.js to accept payment data, which is securely transmitted directly to our servers without it passing through your servers.
  • Fill out an annual Self-Assessment Questionnaire (SAQ).

There are multiple SAQs, which one do I need to fill out?

The table below shows PCI DSS requirements for each integration type.

Integration Type SAQ Type
Widget integration (iframe) SAQ-A
Brick.js SAQ-A-EP
Direct API / Server-to-server SAQ-D
Other Contact us

What happens if PCI standards are not met?

Your ability to accept credit and debit card payments will be suspended.

Who can help me to better understand PCI DSS requirements?

You can always reach us at support@brickpayments.com to get assistance from our team.

Rates & Fees

How much does it cost to use Brick?

We don't charge any monthly or setup fees. We take a revenue share from the volume of transactions you process. This means that we won’t charge you anything if you did not have any payments.

What are the rates and commissions per transaction?

United States: 2.7% + $.30
European Union: 2.7% + €.30
Volume pricing is available for businesses who process more than $100,000 per month.

Where can I see an amount charged per transaction?

Transaction details can be found in the Analytics tab in your Merchant Area. You can generate a transaction report by entering the User ID or Reference ID.

What is a cross-border fee?

A cross-border fee is a charge applied by VISA and Mastercard for transactions that require currency conversions. This occurs when a transaction is made between two countries, where a buyer uses a different currency to make a purchase. Read more about cross-border fee on VISA or Mastercard website.

Payouts

How can I receive my payout?

We can pay you via the following methods:

Bank and Wire transfer
Check (US only)
PayPal

Why is my payout delayed? (payout schedule, stopped processing)

The payout can be put on hold for a prescriptive period of time (no less than one month) if we see that you have stopped processing payments. This is to cover any possible chargebacks the users may file. Once the prescriptive period is over, we pay the remaining balance back to you, excluding any refunds or chargebacks that might occur during the prescriptive period.

In which currency can I receive my payout?

We can send the payout in USD or EUR, depending on the currency denominated by the bank used for the deposit.

How often can I receive my payouts?

You receive payouts once a month. We can only send payouts twice a month if your monthly revenues are greater than $100,000.

I am still a minor. Can I receive my payout?

If you are a minor and would like to use our service, kindly ask your parents or legal guardians to accept the payout on your behalf. In compliance with international laws, we require the beneficiary of the payout to be of legal age.

Is there any minimum payout amount that I need to meet?

There is a $100 minimum payout threshold. Once the $100 threshold is met, we will automatically send you the payout as long as all compliance documents are submitted and approved.

Chargebacks & Refunds

How can I issue a refund for my user?

Go to Research and Refund in your Merchant Area. You can add refund ticket by selecting transaction for refund by entering User ID or Reference ID.

Why was my customer’s charge declined?

The in-house developed risk scoring system can put on hold customer's charge if fraud is suspected. Brick’s risk monitoring team will review it and make a decision to decline or accept suspected charge.

How can I avoid declines?

Please pass as much User Profile API information as possible along with every Charge or Subscription API creation request. This is to ensure that Brick's team of risk analysts and in-house risk scoring system have all the necessary data to score transactions accurately.

What is a chargeback?

A chargeback is when a customer contacts their own bank and demands for a refund stating the charge is fraudulent. If it happens, the transaction is refunded to the customer and the merchant is charged a fee by the card issuing bank.

Is there a fee for each chargeback?

There is a minimum and fixed chargeback fee of $15 USD.

How can I prevent chargebacks from occurring?

You can prevent them by implementing a User Profile API to ensure that Brick's team of risk analysts and in-house risk scoring system have all the necessary data to score transactions accurately.

Can I dispute chargebacks?

Yes. Please send us an email at support@brickpayments.com and we’ll help you win chargeback disputes.