Adapter Configuration
Quick reference for per-gateway differences that may affect your admin or API configuration.
Supported Adapters
| Adapter Code | Name | Integration Type | Real-time API |
|---|---|---|---|
EMP |
Emerchantpay Genesis | CSV + API | Yes |
VENDO |
Vendo Services | API (JSON) | Yes |
FINXP |
Finxp | CSV | No |
NOVALNET |
Novalnet AG | CSV | No |
Mandate Verification Behavior
| Gateway | Verification | /pay/ can return awaiting_verification |
|---|---|---|
| EMP | Synchronous (no customer redirect) | No |
| Vendo | Asynchronous (customer redirected to sign mandate) | Yes |
| Finxp | CSV only — no real-time payment flow | N/A |
| Novalnet | CSV only — no real-time payment flow | N/A |
When using Vendo gateways, always handle the awaiting_verification status by redirecting to verification_url, then calling POST /verify/.
Sandbox / Test Configuration
| Gateway | How to test |
|---|---|
| EMP | Separate sandbox endpoint — your account manager configures this as a test gateway |
| Vendo | Same endpoint as production; test mode activated via gateway configuration |
| Finxp | Upload test CSVs through the admin panel |
| Novalnet | Upload test CSVs through the admin panel |
CSV Import Amount Conventions
If you import settlement or chargeback CSVs from your processors, amounts may be in different units:
| Adapter | Transaction Amounts | Chargeback Amounts |
|---|---|---|
| EMP | Major units (e.g., 29.99) |
Minor units (e.g., 2999) |
| Finxp | Major units | Major units |
| Novalnet | Minor units (e.g., 2999) |
Minor units (e.g., 2999) |
CatalystPay converts amounts automatically during import — upload CSVs as-is from your processor.
Transaction Types
All gateways are normalized to CatalystPay's standardized transaction types:
| CatalystPay Type | Meaning |
|---|---|
sdd_sale |
SEPA Direct Debit sale (initial or one-time) |
sdd_refund |
Merchant-initiated refund |
sdd_rebill |
Recurring rebill (Vendo only) |
other_type |
Unmapped transaction type |
Retry Behavior (EMP)
EMP classifies decline reasons into soft and hard declines:
- Soft declines (retry eligible): Timeouts, pending states, SCA challenges
- Hard declines (no retry): Issuer declines, blacklisted accounts, fraud flags, insufficient funds, invalid accounts
CatalystPay uses this classification to determine whether a failed payment session still has retries available (retry_allowed: true in the /pay/ response).
Gateway Selection
Gateways are assigned to your tenant by your account manager. In the API:
- Campaign mode — gateway resolved automatically from the campaign's offer
- Override — pass
gateway_idin the session creation request to route to a specific gateway - CSV import — select the adapter and optionally the gateway when uploading