Online payment integration
We connect your site to a secure online card-payment system. The same solution powers ticket sales, web stores, bookings and deposits.
- Card payments (Visa, Mastercard)
- Ticket & pass purchasing
- Web-store checkout
- Bookings & deposits
- Secure transactions
Ticket purchasing for ŽPCG
Passengers now buy train tickets online and pay by card, and the ticket arrives by email. No more queuing at the counter.
Our goal is to give passengers a simpler, faster and more accessible way to buy train tickets, without going to the counter.— Dragana Lukšić, Executive Director, ŽPCG
- International trains Bar–Zemun and seasonal Bar–Subotica
- All domestic routes across Montenegro
- Seat reservation and extra services
- Card payment, PDF ticket by email
- Live since July 2026
How the work goes
What is being charged
First we establish what exactly you charge for and at which moment: a ticket, a product from the shop, a booking or a deposit for a service. That decides how the flow looks — whether the buyer pays the full amount at once, part in advance, or only on confirmation. We also want to know what the buyer receives after paying, because the confirmation has to arrive fast and read clearly.
Preparation on your side
Card payment online requires a contract that you, as the merchant, sign with the side that processes payments. We tell you which data the integration needs and which questions to ask; who you contract with is your decision. Your own sales terms and refund rules belong here too, prepared together with your accountant. This step usually decides when the whole thing can actually go live.
Integrating the payment
Then the payment is built into your site or system, so the buyer never leaves the flow he started. Card details are entered on the side that processes the payment, confirmed through 3D Secure, and your site neither sees nor stores them. What comes back is only whether the transaction went through, and the order or booking is carried forward on that basis.
Testing the flow
Before going live we walk through every outcome, not only a successful purchase: a declined transaction, an interrupted payment, an expired session and a refund. We also check what the buyer sees in each of those cases, because a bare something went wrong message costs both trust and money. We make sure an order never ends up marked as paid when the payment did not actually go through.
Going live
Once everything passes testing, payment goes live and we watch the first real transactions together with you. After that comes regular monitoring: whether confirmations arrive, whether failed payments pile up and whether anything changed on the processing side. The same solution later powers a web shop, and we described how it looks from the buyer side in how online card payment works.
Frequent questions
01
What do I need to accept cards?
You need a contract for online card payments, signed by you as the merchant with the side that processes payments. Your sales terms, refund rules and the company details that side asks for belong to the same package. We do not sign on your behalf and we do not promise terms — we tell you what the integration needs technically and help you ask the right questions. Who you work with is your decision.
02
How long does activation take?
The technical integration is the predictable part; the paperwork is not. The timeline depends mostly on how quickly you prepare the documentation on your side and how long approval takes with the side you contract for payments. Neither we nor you fully control that part, so we do not promise it. What we can do is have the integration finished and tested before the approval arrives, so nothing is waited for twice.
03
How safe is it and what is 3D Secure?
3D Secure is an extra confirmation of the buyer identity during a card payment: besides the card details, the buyer confirms the purchase with his own bank, usually in a phone app. For the merchant that means fewer disputed transactions, and for the buyer the assurance that nobody else can use his card. That step is run by the side processing the payment; your site only receives the outcome.
04
Do you store my card details?
No. Card details are entered on the side that processes the payment, not on your site, and we neither see nor keep them. What returns to the site is only whether the transaction succeeded and a reference that ties the payment to the order. This is deliberate: the less sensitive data passes through the site, the smaller the risk for you and for the buyer alike.
05
What does a refund or cancelled order look like?
A refund is initiated on the side that processed the payment, while the system keeps a record that the order was cancelled and the money returned. What matters is that refund rules exist before the first case appears, because otherwise the decision is made in a hurry and usually badly. You write those rules; we make sure the system applies them consistently and that the buyer gets a clear message.
06
Does the same solution work for tickets and shops?
It does. The same approach to collecting money is used for ticket sales, for a shop and for bookings — what changes is only what is being charged and what the buyer receives afterwards. For the Railway Transport of Montenegro we built train ticket purchasing with card payment and the ticket arriving by email, as described on this page. The same flow works when a product or a deposit is charged.