Payment Providers

Payment providers handle the actual transaction processing when customers pay online. Each payment method you create can be linked to a provider, which determines how the payment is collected and confirmed.

Itsy does not have a separate settings page for payment providers. Instead, you configure provider credentials directly on each payment method in Data > Payment Methods. This means you can use different providers for different payment methods -- for example, Stripe for international card payments and Teya for domestic Icelandic transactions.

Supported Providers

Itsy supports five payment providers plus a manual option for offline payments:

Stripe Checkout

Stripe is the most widely used provider for agencies that serve international customers. It supports cards (Visa, Mastercard, American Express), digital wallets (Apple Pay, Google Pay), and dozens of local payment methods depending on the customer's country. Stripe handles currency conversion and fraud detection automatically.

When a customer pays through Stripe, they are redirected to a Stripe-hosted checkout page. After payment, Stripe notifies Itsy and the order's payment status updates automatically.

Rapyd Checkout

Rapyd offers a broad range of payment methods across many countries, including bank transfers, e-wallets, and cards. It is a good fit for agencies that operate across multiple regions and need payment methods beyond standard card processing.

Like Stripe, customers are redirected to a Rapyd-hosted checkout page. Rapyd sends payment confirmations back to Itsy through webhooks that you configure in the Rapyd backoffice.

Teya Web Payments

Teya (formerly Borgun) is a popular payment processor in Iceland and Northern Europe. It is commonly used by Icelandic travel agencies for domestic card transactions. Teya supports Visa, Mastercard, and local Icelandic debit cards.

Straumur Checkout

Straumur is an Icelandic payment processor that provides card payment services. It is an alternative to Teya for agencies operating in Iceland.

Valitor Web Payments

Valitor is a legacy Icelandic payment processor. It remains available as a provider option for existing integrations, but new configurations should use Teya or Straumur instead. Valitor does not require credential configuration in the admin interface.

Provider Configuration

When you create or edit a payment method and select a provider, the relevant credential fields appear inside a collapsible Provider Configuration section. Each provider requires different credentials.

Stripe Checkout

You can find your API key in the Stripe Dashboard under Developers > API Keys. Use the secret key (starting with sk_), not the publishable key.

Rapyd Checkout

After entering your Rapyd credentials, you also need to register a webhook URL in the Rapyd backoffice so that payment confirmations reach Itsy. The webhook setup instructions and URL are displayed in the configuration panel. The events to listen for are: Payment Succeeded, Payment Completed, Payment Failed, and Refund Completed.

Teya Web Payments

Straumur Checkout

How Provider Choice Affects Orders

The provider you assign to a payment method determines what happens when a customer pays:

1. Payment link generation -- When an order is created (either by your team or through the booking portal), Itsy generates a payment link using the provider configured on the order's payment method. The customer clicks this link to complete payment.
2. Payment confirmation -- Each provider notifies Itsy when a payment succeeds or fails. The order's payment status updates automatically based on these notifications.
3. Deposit handling -- All providers support deposit payments. When deposits are enabled, the payment link collects only the deposit amount. A second payment link is generated for the remaining balance.
4. Refunds -- Refund support depends on the provider. Stripe and Rapyd support automated refunds; other providers may require manual processing.

If a payment method is set to Manual, no payment link is generated. Your team records payments manually on the order's Payments tab.

Common Tasks

Setting Up a Payment Provider

1. Navigate to Data > Payment Methods
2. Click Add to create a new payment method
3. Select the payment provider from the provider dropdown
4. Expand the Provider Configuration section
5. Enter the required credentials
6. Save your changes

Testing a Provider

Before going live, create a test order and attempt a payment to verify that:

• The payment link redirects correctly
• The payment completes without errors
• The order's payment status updates automatically

For Stripe, you can use test mode API keys to process test payments without real charges.

Switching Providers on a Payment Method

1. Navigate to Data > Payment Methods
2. Click on the payment method you want to update
3. Select the new provider from the dropdown
4. Enter the new credentials in the provider configuration section
5. Save your changes

Existing orders that already have payment links will continue using the previous provider until those links expire or are replaced.

How It Connects

• Data > Payment Methods -- Payment methods define how payments are categorized and labeled. Provider credentials are configured directly on each payment method.
• Orders -- Online payments from customers are processed through the provider linked to the order's payment method. Payment status updates automatically when the provider confirms a transaction.
• Workspace Settings -- Deposit settings (amount, timing, and calculation type) work together with the payment provider to determine how much is collected at checkout.
• Workspace API -- Orders created through the API generate payment links using the provider configured on the relevant payment method.
• Managed Emails -- Payment Receipt and Payment Reminder templates reference payment data that flows through the provider.