Payment Gateways
Shopvo supports eight payment gateways. Enable one or several from Settings → Payments in each store.
Overview
Each gateway is configured independently per store. At checkout, customers see only the gateways you have enabled. You can enable multiple gateways simultaneously so customers can choose their preferred payment method.
Stripe
RecommendedCards, Apple Pay, Google Pay. Global coverage. PCI-compliant via Payment Intents.
PayPal
PayPal Smart Buttons. Supports PayPal balance, linked bank accounts, and cards.
Viva Wallet
Greek/EU payment gateway with card and BNPL support.
Alpha Bank
Alpha Bank e-commerce redirect payment gateway.
Eurobank
Eurobank redirect payment gateway for Greece/EU merchants.
Piraeus Bank
Piraeus Bank redirect payment gateway for Greece/EU merchants.
Mastercard (MPGS)
NewMastercard Payment Gateway Services — hosted checkout, global card acceptance.
IRIS
Greek instant bank payment network via DIAS. Near-instant transfers from any Greek bank.
Stripe
Stripe supports cards (Visa, Mastercard, Amex), Apple Pay, Google Pay, and many local payment methods. It is recommended for stores selling globally.
Required keys (from your Stripe Dashboard):
STRIPE_SECRET_KEY=sk_live_... STRIPE_PUBLISHABLE_KEY=pk_live_... STRIPE_WEBHOOK_SECRET=whsec_... # for payment webhooks
Add these to your store's environment variables or paste them into the Stripe gateway settings form in the admin. Shopvo uses Stripe Payment Intents for PCI-compliant card processing.
PayPal
PayPal renders the PayPal Smart Buttons at checkout. Customers can pay with their PayPal balance, linked bank account, or credit card.
Required credentials (from PayPal Developer):
PAYPAL_CLIENT_ID=... PAYPAL_CLIENT_SECRET=... PAYPAL_MODE=live # or "sandbox" for testing
Banking gateways (Greece / EU)
Shopvo has native integrations with six Greek/EU banking payment providers. These use a redirect-based flow: the customer is redirected to the bank's secure payment page and returned to your store after payment.
Viva Wallet
Configure Merchant ID, API Key, and environment (sandbox / live) in Settings → Payments → Viva Wallet.
Alpha Bank
Configure Merchant ID, API Key, and environment (sandbox / live) in Settings → Payments → Alpha Bank.
Eurobank
Configure Merchant ID, API Key, and environment (sandbox / live) in Settings → Payments → Eurobank.
Piraeus Bank
Configure Merchant ID, API Key, and environment (sandbox / live) in Settings → Payments → Piraeus Bank.
IRIS
Configure Merchant ID, API Key, and environment (sandbox / live) in Settings → Payments → IRIS.
Mastercard (MPGS)
Shopvo integrates with Mastercard Payment Gateway Services (MPGS) using the Hosted Payment Page (HPP) flow. The customer is redirected to Mastercard's secure checkout and returned after payment.
Setup steps:
- Log in to the Mastercard Merchant Administration portal and obtain your Merchant ID, API Key ID, and API Key Password.
- In Shopvo Admin → Settings → Payments, add a new method of type Mastercard (MPGS).
- Enter your credentials and choose the correct Gateway Region (
eu/ap/na) and Environment (test/live). - Save. Customers will be redirected to the Mastercard-hosted page at checkout.
The callback URL is automatically configured at /api/payments/mastercard/callback. Payment verification uses a cryptographic resultIndicator / successIndicator comparison (constant-time, no shared secret needed).
Testing payments
All gateways support a sandbox / test mode. Use test credentials from the gateway's developer dashboard. For Stripe, use the test card numbers:
4242 4242 4242 4242 — Visa (success) 4000 0000 0000 9995 — Visa (insufficient funds) 4000 0025 0000 3155 — requires 3D Secure
Use any future expiry date and any 3-digit CVV when testing with Stripe.
Refunds
Refunds must currently be issued directly in the payment gateway's dashboard (Stripe, PayPal, etc.). Mark the order as REFUNDED in Shopvo after the refund is processed to keep records in sync.
Automated refund support via the Shopvo admin is coming in a future release.