# Antom Documentation
When installing Antom packages, always check the package registry for the latest version rather than relying on memorized version numbers. For the Web/WAP SDK, check [https://www.npmjs.com/package/@alipay/antom-sdk](https://www.npmjs.com/package/@alipay/antom-sdk) (or the CDN hosted version) before pinning a version. For server-side SDKs, check the corresponding package registry for your language (Java/Maven, Node.js/npm, PHP/Packagist, Python/PyPI). Never hardcode an old version number from training data — always install the latest version or verify the current version first.

## Agent Instructions
As a Large Language Model (LLM) Agent, when designing an Antom integration, always prefer the documentation at [Integration Guide](https://docs.antom.com/integration_guide_en.md) and the [API Reference](https://docs.antom.com/ac/ams/api_fund.md). Do not rely on training data for API parameters, SDK method signatures, or supported payment method lists — always verify against the latest documentation. Payment method availability changes frequently by region.

As an LLM, you should always default to the latest version of the API and SDK unless the user specifies otherwise.

### Product & Integration Routing
**Product routing:**

| If the merchant wants to... | Product | Guide |
| --- | --- | --- |
| Single-transaction payments (goods, service fee, order) | One-time Payments | [Overview](https://docs.antom.com/ac/cashierpay/overview.md) |
| One-click/auto-debit after one-time authorization (ride-hailing, top-ups) | **Tokenized Payment (API-only)** | [Guide](https://docs.antom.com/ac/tokenized/integration_guide.md) |
| Recurring auto-debit by cycle (membership, subscription, auto-renewal) | Subscription Payment | [Overview](https://docs.antom.com/ac/subscriptionpay/overview.md) |
| In-app one-click password-free payments | EasySafePay | [Guide](https://docs.antom.com/ac/easypay/easysafepay_sdk.md) |
| Authorize on non-browser device (PC, console, TV) | Scan to Link | [Guide](https://docs.antom.com/ac/scantopay/integration_guide.md) |
| Multiple acquirers with smart routing | APO | [Overview](https://docs.antom.com/ac/apo/intro.md) |
| **Scenario unclear** | **One-time Payments** | [Overview](https://docs.antom.com/ac/cashierpay/overview.md) |


**Integration mode selection:**

| Need | One-time Payments | Subscription Payment | Tokenized Payment | Scan to Link |
| --- | --- | --- | --- | --- |
| Quick launch, zero frontend | [Hosted Checkout](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) | [Hosted Checkout](https://docs.antom.com/ac/subscriptionpay/HOSTEDCKP_subscription.md) | — | — |
| Brand embedding, low-code | [Embedded Checkout](https://docs.antom.com/ac/cashierpay/embeddedckp.md) | — | — | — |
| Partial customization (balanced) | [Payment Element](https://docs.antom.com/ac/cashierpay/element.md) | [Payment Element](https://docs.antom.com/ac/subscriptionpay/element_subscription.md) (PC/H5 only) | — | — |
| Full control, API-only | [APM API](https://docs.antom.com/ac/cashierpay/apm_api.md) / [Card S2S](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) | [APM API](https://docs.antom.com/ac/subscriptionpay/apm_api_subscription.md) / [Card S2S](https://docs.antom.com/ac/subscriptionpay/cardinfocallmerchant_subscription.md) | **API-only** (only option) | **API-only (only option)** |
| No PCI certification | [Element](https://docs.antom.com/ac/cashierpay/element.md) / [Hosted](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md) | [Element](https://docs.antom.com/ac/subscriptionpay/element_subscription.md) / [Hosted](https://docs.antom.com/ac/subscriptionpay/HOSTEDCKP_subscription.md) | — | — |


**Key constraints:**

+ **Tokenized Payment: API-only.** Element/CKP not supported. Merchant builds own authorization page. Single wallet authorization per request.
+ **Subscription Payment Element: PC/H5 only.** For App, use Hosted Checkout or API-only.
+ **No PCI certification: Use Element or Hosted Checkout.** Card data stays with Antom.

## Guardrails
+ **ALWAYS handle asynchronous notifications.** Never rely solely on synchronous API responses to determine payment results. Implement the notifyPayment webhook to receive final payment status. This is not optional — payment results may only arrive asynchronously for many payment methods.
+ **ALWAYS use idempotency.** Pass a unique paymentRequestId (or refundRequestId for refunds) to prevent duplicate transactions on retry. See [Idempotency](https://docs.antom.com/ac/ams/idempotency.md).
+ **When asked about supported payment methods**, always refer to [Payment Methods Overview](https://docs.antom.com/ac/pm/overview.md) or [Supported Payment Methods](https://docs.antom.com/payment_methods.md) rather than relying on training data. Supported methods and regional coverage change frequently.
+ **For Amount values**, always use the smallest currency unit (e.g., cents for USD, fen for CNY). See [Amount Object Rules](https://docs.antom.com/ac/ref/cc.md) for currency-specific formatting.

## Key Technical Patterns
**Standard Client SDK flow (One-time Payments / Subscription):**  
Server calls `createPaymentSession` → receives `paymentSessionData` → passes to Client SDK (`loadAntom` → `createElement` → `mount`) → SDK renders payment UI and handles full payment flow → server receives `notifyPayment` async callback with final result.

**API-only flow (One-time Payments):**  
Server calls `pay` → receives redirect URLs (`normalUrl` / `schemeUrl` / `applinkUrl`) or QR code → merchant handles buyer redirect or QR display → server receives `notifyPayment` callback.

**Tokenized Payment flow:**  
Call `consult` to get authorization URL → redirect user to authorize → receive `notifyAuthorization` → call `applyToken` to exchange auth code for `accessToken` → call `pay` (Tokenized) with `accessToken` for each subsequent charge → receive `notifyPayment` for each charge.

**Subscription flow:**  
Server calls `create` → redirect user to authorize subscription → receive `notifySubscription` on success → Antom automatically deducts each period → server receives `notifyPayment` for each deduction. Use `update` to change plan; `cancel` to stop.

## Quick Start
+ [Welcome to Antom Docs](https://docs.antom.com/documentation.md): Overview of all Antom products, integration paths, and developer resources.
+ [Integration Guide](https://docs.antom.com/integration_guide_en.md): Step-by-step checklist covering account setup, sandbox testing, and go-live requirements. Complete this before launching in production.
+ [Release Notes](https://docs.antom.com/releasenotes.md): Track all API and SDK changes, new features, and deprecations.
+ [Glossary](https://docs.antom.com/glossary.md): Definitions of Antom-specific terms — paymentSessionData, accessToken, paymentRequestId, etc.
+ [Support](https://docs.antom.com/support.md): Contact channels and troubleshooting resources.

## Product Guides
### One-time Payments
+ [Overview](https://docs.antom.com/ac/cashierpay/overview.md): Features, advantages, supported payment methods, and use cases for one-time online transactions.
+ [Integration Path Selection](https://docs.antom.com/ac/cashierpay/use_cases.md): Compare all integration options and choose based on UX requirements and technical capability.
+ [Payment Element](https://docs.antom.com/ac/cashierpay/element.md): **Recommended.** Drop-in component with full code examples for web integration.
+ [Hosted Checkout](https://docs.antom.com/ac/cashierpay/HOSTEDCKP.md): Redirect to Antom-hosted page. Minimal integration effort.
+ [Embedded Checkout](https://docs.antom.com/ac/cashierpay/embeddedckp.md): Embed Antom checkout via iframe. Balance of control and simplicity.
+ [APM API](https://docs.antom.com/ac/cashierpay/apm_api.md): API-only for alternative payment methods when SDK is not an option.
+ [Card API — Hosted](https://docs.antom.com/ac/cashierpay/cardcollant.md): Card collection via Antom-hosted form.
+ [Card API — S2S](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md): Server-to-server card processing. Requires PCI compliance.
+ [SDK Card Payments](https://docs.antom.com/ac/cashierpay/sdk_card.md): Card payment integration via Client SDK.
+ [SDK APM Payments](https://docs.antom.com/ac/cashierpay/apm.md): APM payment integration via Client SDK.
+ [Apple Pay (Element)](https://docs.antom.com/ac/cashierpay/apay_element.md): Accept Apple Pay through Payment Element.
+ [Apple Pay (Hosted)](https://docs.antom.com/ac/cashierpay/apay_hosted.md): Accept Apple Pay through Hosted Checkout.
+ [Apple Pay (Embedded)](https://docs.antom.com/ac/cashierpay/apay_embedded.md): Accept Apple Pay through Embedded Checkout.
+ [Apple Pay (APM API)](https://docs.antom.com/ac/cashierpay/apay_apm_api.md): Accept Apple Pay via API-only integration.
+ [Google Pay (Element)](https://docs.antom.com/ac/cashierpay/gpay_element.md): Accept Google Pay through Payment Element.
+ [Google Pay (Hosted)](https://docs.antom.com/ac/cashierpay/gpay_hosted.md): Accept Google Pay through Hosted Checkout.
+ [Google Pay (Embedded)](https://docs.antom.com/ac/cashierpay/gpay_embedded.md): Accept Google Pay through Embedded Checkout.
+ [Google Pay (APM API)](https://docs.antom.com/ac/cashierpay/gpay_apm_api.md): Accept Google Pay via API-only integration.
+ [PayPay Smart Payment](https://docs.antom.com/ac/cashierpay/paypay_smart.md): PayPay integration with smart payment flow.
+ [Indian APM](https://docs.antom.com/ac/cashierpay/indian_apm.md): Alternative payment methods for India (UPI, Net Banking, etc.).
+ [Indian Cards](https://docs.antom.com/ac/antomop/indian.md): Card payment specifics for the Indian market.
+ [South Korean Issuer-Auth Cards](https://docs.antom.com/ac/cashierpay/kr_issuer_auth.md): Korean cards requiring issuer authentication.
+ [Appearance Customization](https://docs.antom.com/ac/cashierpay/appearance.md): Customize Payment Element visual style, layout, and branding.
+ [Adding Payment Methods](https://docs.antom.com/ac/cashierpay/addpaymeth.md): Add new payment methods to an existing integration.
+ [Payment Method Types](https://docs.antom.com/ac/cashierpay/pay_type.md): Which payment methods are supported by One-time Payments.
+ [Capture](https://docs.antom.com/ac/cashierpay/capture.md): **Only needed when manual capture mode is enabled** (default is auto-capture). Check merchant configuration before using.
+ [Notifications](https://docs.antom.com/ac/cashierpay/notifications.md): Integrate payment result webhooks.
+ [Cancel](https://docs.antom.com/ac/cashierpay/cancel.md): **One-time Payment cancel.** Cancel pending payments within the allowed window. Not the same as Subscription cancel.
+ [Refund](https://docs.antom.com/ac/cashierpay/refund.md): Initiate full or partial refunds against completed payments.
+ [Reconciliation](https://docs.antom.com/ac/cashierpay/reconcile.md): Post-settlement reconciliation using Antom financial reports.
+ [Best Practices](https://docs.antom.com/ac/cashierpay/best_practice.md): Optimize payment experience, conversion, and success rates.
+ [Payment Continuation URL](https://docs.antom.com/ac/cashierpay/config.md): Best practices for handling redirect URLs across web, mobile web, and app.
+ [URLs Returned by Payment Methods](https://docs.antom.com/ac/cashierpay/urls.md): URL types (normalUrl, schemeUrl, applinkUrl) per payment method and client type.
+ [Payment Status Description](https://docs.antom.com/ac/cashierpay/payment_status_desc.md): Status values and logic for querying, canceling, and refunding.
+ [Production Test Cases](https://docs.antom.com/ac/cashierpay/testcases.md): End-to-end validation checklist for going live.

### Subscription Payment
+ [Overview](https://docs.antom.com/ac/subscriptionpay/overview.md): Antom-managed recurring billing — automatic deductions, retry logic, period management.
+ [Integration Path Selection](https://docs.antom.com/ac/subscriptionpay/use_cases.md): Choose between Payment Element, Hosted CKP, or API-only for subscription setup.
+ [Payment Element Recurring](https://docs.antom.com/ac/subscriptionpay/element_subscription.md): **Recommended.** Drop-in recurring payment integration.
+ [Apple Pay Recurring](https://docs.antom.com/ac/subscriptionpay/apay_element_subscription.md): Accept recurring payments with Apple Pay via Payment Element.
+ [Google Pay Recurring](https://docs.antom.com/ac/subscriptionpay/gpay_element_subscription.md): Accept recurring payments with Google Pay via Payment Element.
+ [Apple Pay Recurring (API)](https://docs.antom.com/ac/subscriptionpay/apay_api_subscription.md): API-only Apple Pay recurring subscription.
+ [Google Pay Recurring (API)](https://docs.antom.com/ac/subscriptionpay/gpay_api_subscription.md): API-only Google Pay recurring subscription.
+ [Hosted Recurring](https://docs.antom.com/ac/subscriptionpay/HOSTEDCKP_subscription.md): Subscription via Antom-hosted checkout page.
+ [APM Recurring (API)](https://docs.antom.com/ac/subscriptionpay/apm_api_subscription.md): API-only subscription for alternative payment methods.
+ [Card Recurring — Hosted](https://docs.antom.com/ac/subscriptionpay/cardcollant_subscription.md): Card-based subscription via hosted collection form.
+ [Card Recurring — S2S](https://docs.antom.com/ac/subscriptionpay/cardinfocallmerchant_subscription.md): Server-to-server card subscription. Requires PCI compliance.
+ [Query subscription information](https://docs.antom.com/ac/subscriptionpay/query_subscription_info.md)
+ [Subscription Trial](https://docs.antom.com/ac/subscriptionpay/subscription_trial.md): Configure free or discounted trial periods before paid billing starts.
+ [Subscription Cancellation](https://docs.antom.com/ac/subscriptionpay/subscription_cancellation.md): **Subscription cancel.** Stops recurring billing. Not the same as One-time Payment cancel.
+ [Reconciliation](https://docs.antom.com/ac/subscriptionpay/reconcile.md): Reconcile subscription payments using Antom reports.
+ [Best Practices](https://docs.antom.com/ac/subscriptionpay/best_practice.md): Subscription-specific optimization strategies.

### Tokenized Payment
+ [Overview](https://docs.antom.com/ac/tokenized/overview.md): Merchant-controlled recurring charges — user authorizes once, merchant triggers payments on demand.
+ [Accept Payments](https://docs.antom.com/ac/tokenized/integration_guide.md): Full integration guide covering authorization, token management, and payment triggering.
+ [ACH Direct Debit](https://docs.antom.com/ac/tokenized/ach_guide.md): Accept tokenized ACH Direct Debit payments in the US.
+ [Cancel](https://docs.antom.com/ac/tokenized/cancel.md): Cancel a pending tokenized payment within the allowed window.
+ [Revoke Authorization](https://docs.antom.com/ac/tokenized/revoke_auth.md): **Tokenized Payment revoke.** Cancel user's authorization, accessToken becomes invalid. For EasySafePay deauthorization, see [EasySafePay Revoke](https://docs.antom.com/ac/easypay/revoke.md).
+ [Notifications](https://docs.antom.com/ac/tokenized/notifications.md): Notification integration for authorization, payment, and revocation events.
+ [Refund](https://docs.antom.com/ac/tokenized/refund.md): Refund rules and process for tokenized payment transactions.
+ [Reconciliation](https://docs.antom.com/ac/tokenized/settle_reconcile.md): Reconcile tokenized payment transactions.
+ [Best Practices](https://docs.antom.com/ac/tokenized/practice.md): Optimize tokenized payment flows and authorization rates.
+ [URLs Returned](https://docs.antom.com/ac/tokenized/redirection_details.md): URL types returned for different payment methods.
+ [Authorization URL Best Practices](https://docs.antom.com/ac/tokenized/best_practice.md): Handle authorization redirect URLs across client types.

### EasySafePay
+ [Overview](https://docs.antom.com/ac/easypay/overview.md): One-click password-free payments within the merchant's own app or website.
+ [SDK Integration](https://docs.antom.com/ac/easypay/easysafepay_sdk.md): Integrate EasySafePay using Client SDK. First payment enables password-free; subsequent payments are one-click.
+ [Notifications](https://docs.antom.com/ac/easypay/notifications.md): Payment notification webhooks for EasySafePay.
+ [Cancel](https://docs.antom.com/ac/easypay/cancel.md): Cancel a pending EasySafePay transaction.
+ [Revoke](https://docs.antom.com/ac/easypay/revoke.md): **EasySafePay deauthorization.** Cancel password-free authorization. For Tokenized Payment revoke, see [Tokenized Revoke](https://docs.antom.com/ac/tokenized/revoke_auth.md).
+ [Refund](https://docs.antom.com/ac/easypay/refund.md): Refund rules for EasySafePay transactions.
+ [Reconciliation](https://docs.antom.com/ac/easypay/settle_reconcile.md): Reconcile EasySafePay transactions.
+ [Best Practices](https://docs.antom.com/ac/easypay/practice.md): Maximize EasySafePay adoption and performance.
+ [Security Module Fields](https://docs.antom.com/ac/easypay/security_module_fields.md): Data collected by the SDK security module.

### Scan to Link
+ [Overview](https://docs.antom.com/ac/scantopay/overview.md): QR code authorization for non-browser devices — PC, console, smart TV.
+ [Integration Guide](https://docs.antom.com/ac/scantopay/integration_guide.md): Obtain buyer authorization and payment tokens via QR code scanning.
+ [Revoke Authorization](https://docs.antom.com/ac/scantopay/revoke.md): Handle authorization revocation for Scan to Link.
+ [Notifications](https://docs.antom.com/ac/scantopay/notification.md): Notification integration for Scan to Link.
+ [Cancel](https://docs.antom.com/ac/scantopay/cancel.md): Cancel a pending Scan to Link payment.
+ [Refund](https://docs.antom.com/ac/scantopay/refund.md): Refund a completed Scan to Link transaction.
+ [Reconciliation](https://docs.antom.com/ac/scantopay/settle_reconcile.md): Reconcile Scan to Link transactions.

### Antom Payment Orchestration (APO)
+ [Product Introduction](https://docs.antom.com/ac/apo/intro.md): Multi-acquirer payment management with smart routing for maximizing approval rates.
+ [APO Payment Methods](https://docs.antom.com/ac/apo/payment_methods.md): Supported payment methods and card brands in APO.
+ [Get Started](https://docs.antom.com/ac/apo/get_started.md): Registration, sandbox testing, and live activation for APO.
+ [Transactions](https://docs.antom.com/ac/apo/transactions.md): View and manage APO transaction records.
+ [Enable Payment Methods](https://docs.antom.com/ac/apo/enable_payment_methods.md): Activate payment methods for APO.
+ [Apple Pay Configuration](https://docs.antom.com/ac/apo/apple_pay_config.md): Configure Apple Pay for APO.
+ [Acquirer Management](https://docs.antom.com/ac/apo/acquirer_management.md): Manage acquirer connections and configurations.
+ [Order Number Management](https://docs.antom.com/ac/apo/order_number.md): Configure order number rules for APO.
+ [Orchestration Rules](https://docs.antom.com/ac/apo/payment_operation_rules.md): Create and manage smart routing rules across acquirers.
+ [Risk Management Methods](https://docs.antom.com/ac/apo/risk_methods.md): Risk control configuration for APO transactions.
+ [Payment Status Description](https://docs.antom.com/ac/apo/payment_status.md): Status values and logic for APO transactions.
+ [Asset Data Migration](https://docs.antom.com/ac/apo/data_migration.md): Migrate card asset data between acquirers and APO securely.
+ [Hosted CKP](https://docs.antom.com/ac/apo/HOSTEDCKP.md): Low-code hosted payment page through APO.
+ [Embedded CKP](https://docs.antom.com/ac/apo/embeddedckp.md): Embedded checkout page through APO.
+ [Card — Hosted](https://docs.antom.com/ac/apo/cardcollant.md): Card payment via hosted collection mode.
+ [Card — S2S](https://docs.antom.com/ac/apo/cardinfocallmerchant.md): Server-to-server card processing through APO.
+ [APM API](https://docs.antom.com/ac/apo/apm_api.md): APM integration through APO.
+ [Card Payments (SDK)](https://docs.antom.com/ac/apo/card_sdk.md): Card payment via APO SDK.
+ [SDK Integration](https://docs.antom.com/ac/apo/sdk_integration.md): General APO SDK integration guide.
+ [Popup Web/WAP](https://docs.antom.com/ac/apo/popup_web.md): APO popup integration for web and WAP.
+ [Popup Android](https://docs.antom.com/ac/apo/popup_android.md): APO popup integration for Android.
+ [Popup iOS](https://docs.antom.com/ac/apo/popup_ios.md): APO popup integration for iOS.
+ [Embedded Web/WAP](https://docs.antom.com/ac/apo/embedded_web.md): APO embedded integration for web and WAP.
+ [Embedded Android](https://docs.antom.com/ac/apo/embedded_android.md): APO embedded integration for Android.
+ [Embedded iOS](https://docs.antom.com/ac/apo/embedded_ios.md): APO embedded integration for iOS.
+ [APM Web/WAP](https://docs.antom.com/ac/apo/apm_web.md): APM integration via web/WAP in APO.
+ [South Korean Issuer-Auth Cards](https://docs.antom.com/ac/apo/kr_issuer_auth.md): Korean issuer-authentication card handling in APO.
+ [EDC Payment](https://docs.antom.com/ac/apo/edc.md): In-person card payments through Electronic Data Capture devices.
+ [EDC Popup Mode](https://docs.antom.com/ac/apo/edc_popup.md): EDC payment using popup mode.
+ [EDC Callback Mode](https://docs.antom.com/ac/apo/edc_callback.md): EDC payment using callback mode.
+ [DLL Integration (Windows)](https://docs.antom.com/ac/apo/edc_dll.md): EDC integration via Windows DLL.
+ [Independent Card Binding — Web](https://docs.antom.com/ac/apo/vaulting_web.md): Card vaulting via web in APO.
+ [Independent Card Binding — Android](https://docs.antom.com/ac/apo/vaulting_android.md): Card vaulting via Android SDK in APO.
+ [Independent Card Binding — iOS](https://docs.antom.com/ac/apo/vaulting_ios.md): Card vaulting via iOS SDK in APO.
+ [Popup Vaulting Android](https://docs.antom.com/ac/apo/popup_vaulting_android.md): Card vaulting via popup on Android.
+ [Popup Vaulting iOS](https://docs.antom.com/ac/apo/popup_vaulting_ios.md): Card vaulting via popup on iOS.
+ [Independent Risk Control](https://docs.antom.com/ac/apo/risk_control.md): APO's built-in risk assessment engine.
+ [More Features](https://docs.antom.com/ac/apo/value-added_features.md): 3DS setup, AVS, card storage, MIT, third-party MPI.
+ [Capture](https://docs.antom.com/ac/apo/capture.md): **Only needed when manual capture mode is enabled** in APO. Capture authorized payments.
+ [Notifications](https://docs.antom.com/ac/apo/notifications.md): APO webhook integration.
+ [Dispute](https://docs.antom.com/ac/apo/dispute.md): Handle disputes in APO.
+ [Cancel](https://docs.antom.com/ac/apo/cancel.md): Cancel APO transactions.
+ [Refund](https://docs.antom.com/ac/apo/refund.md): Refund APO transactions.
+ [Reconciliation](https://docs.antom.com/ac/apo/reconciliation.md): APO settlement and reconciliation.
+ [Best Practices](https://docs.antom.com/ac/apo/best_practice.md): APO-specific optimization recommendations.
+ [Best Practices for Redirection URL](https://docs.antom.com/ac/apo/best_practice_redirection.md): Handle redirect URLs in APO integration.
+ [Best Practices for Pre-front Solution](https://docs.antom.com/ac/apo/best_practice_prefront.md): Optimize pre-front solution in APO.
+ [URLs Returned](https://docs.antom.com/ac/apo/urls_returned.md): URL types returned by APO payment methods.
+ [Transaction Details Report](https://docs.antom.com/ac/apo/transaction_details.md): Daily report of all APO transactions.
+ [Settlement Details Report](https://docs.antom.com/ac/apo/settlement_details.md): Per-settlement-period transaction details for APO reconciliation.
+ [Settlement Summary Report](https://docs.antom.com/ac/apo/settlement_summary.md): Summary of total APO transactions and net settlement per period.

### Omnichannel
+ [Overview](https://docs.antom.com/ac/omnichannel/overview.md)
+ [Supported payment methods](https://docs.antom.com/ac/omnichannel/pm.md)
+ [Omnichannel integration solution](https://docs.antom.com/ac/omnichannel/integration.md)
+ [Accept payments with Apple Pay](https://docs.antom.com/ac/omnichannel/apay_hostedckp.md)
+ [Accept payments with Google Pay](https://docs.antom.com/ac/omnichannel/gpay_hostedckp.md)
+ [N950 EDC integration guide](https://docs.antom.com/ac/omnichannel/n950.md)
+ [Overview](https://docs.antom.com/ac/omnichannel/api_fund.md)
+ [diagnosis](https://docs.antom.com/ac/omnichannel/diagnosis.md)
+ [pay](https://docs.antom.com/ac/omnichannel/pay.md)
+ [inquiryPayment](https://docs.antom.com/ac/omnichannel/inquiry_payment.md)
+ [refund](https://docs.antom.com/ac/omnichannel/refund.md)
+ [inquiryRefund](https://docs.antom.com/ac/omnichannel/inquiryRefund.md)
+ [initConnection](https://docs.antom.com/ac/omnichannel/initConnection.md)
+ [diagnosis](https://docs.antom.com/ac/omnichannel/usb_diagnosis.md)
+ [pay](https://docs.antom.com/ac/omnichannel/usb_pay.md)
+ [inquiryPayment](https://docs.antom.com/ac/omnichannel/usb_inquiryPayment.md)
+ [Structure](https://docs.antom.com/ac/omnichannel/usb_structures.md)

## Payment Methods
> Antom supports 80+ payment methods across 50+ countries. Use the regional routing table below to quickly identify the right payment methods.  
For the full list with details, see [Supported Payment Methods](https://docs.antom.com/payment_methods.md).
>

### Regional Quick Reference
| Region | Top Methods | Card Support | Notes |
| --- | --- | --- | --- |
| Southeast Asia | GCash, GoPay, OVO, DANA, ShopeePay, Touch'n Go, TrueMoney, MoMo | Visa, MC, JCB | E-wallets dominant; QRIS (ID), QRPH (PH), PromptPay (TH) |
| East Asia | KakaoPay, Toss Pay, NAVER Pay, LINE Pay, PayPay, Alipay, AlipayHK | Visa, MC, JCB, UnionPay | KR: cards require 3DS; JP: Konbini for cash; CN: Alipay |
| Europe | iDEAL, Bancontact, BLIK, EPS, MB WAY, Bizum, Swish, TWINT | Visa, MC, Amex, CB, Maestro | 3DS mandatory (PSD2/SCA); Pay by Bank growing |
| Latin America | Pix, Mercado Pago | Visa, MC, Amex (BR/CL/MX/PE cards) | Pix instant; BNPL available |
| South Asia | UPI, Net Banking | Visa, MC, Indian cards | UPI dominant in India |
| Middle East | Tabby, Tamara | Visa, MC | BNPL dominant |
| North America | Apple Pay, Google Pay, PayPal, Venmo, Cash App Pay | Visa, MC, Amex, Discover | ACH Direct Debit for bank transfers |
| Central Asia | Kaspi | Visa, MC | Kaspi dominant in Kazakhstan |


### Payment Method Integration
+ [Overview](https://docs.antom.com/ac/pm/overview.md): Essential integration info for all payment methods — required parameters, supported products, and UX flows.
+ [APM Integration Guide](https://docs.antom.com/ac/pm/apm_integration.md): Consolidated guide for alternative payment method (non-card) integration across all Antom products.
+ [Card Integration Guide](https://docs.antom.com/ac/pm/card_integration.md): Consolidated guide for card payment integration including 3DS, tokenization, and saved cards.
+ [Card Features](https://docs.antom.com/ac/pm/card_features.md): Advanced card capabilities — installments, MIT, COF, co-badged cards, and network tokenization.
+ [3D Secure 2](https://docs.antom.com/ac/pm/3ds.md): 3DS authentication for enhanced card payment security. **Required for most European transactions (PSD2/SCA).**
+ [Antom 3DS-Retry](https://docs.antom.com/ac/pm/3ds_retry.md): Intelligent auto-retry for transactions soft-declined due to incomplete 3DS authentication.
+ [Store a Card (SDK)](https://docs.antom.com/ac/pm/cvsdk.md): Pre-built UI component for card vaulting through the Antom SDK.
+ [Store a Card (API)](https://docs.antom.com/ac/pm/cv.md): API-based card vaulting for saving cards at any stage of the payment process.
+ [Antom Tokenization](https://docs.antom.com/ac/pm/tokenization.md): Network tokenization to replace real card numbers with tokens for improved approval rates and security. **Required for India (RBI tokenization).**
+ [Merchant-Initiated Transaction (MIT)](https://docs.antom.com/ac/pm/mit.md): Initiate payments without buyer presence using stored credentials.
+ [Card-on-File (COF)](https://docs.antom.com/ac/pm/cof.md): Process payments using previously saved card details.
+ [Installment Payments](https://docs.antom.com/ac/pm/installment.md): Allow buyers to split card payments into monthly installments.
+ [Co-badged Cards](https://docs.antom.com/ac/pm/co-badged_cards.md): Handle cards that carry multiple network brands.
+ [Payment Method Enumeration Values](https://docs.antom.com/ac/pm/enumeration_values.md): Programmatic identifiers for all payment methods across Antom products.
+ [Payment Method Default Timeout](https://docs.antom.com/ac/pm/default_timeout.md): Default expiration times per payment method.
+ [Specify a Payment Method](https://docs.antom.com/ac/pm/specify_pm.md): Control which payment methods appear in the SDK checkout UI.
+ [Pre-front Solution](https://docs.antom.com/ac/pm/prefront.md): Present bank lists, payment details, QR codes, or payment passwords directly on your page.

### Supported Payment Methods by Category
**Digital Wallets:** [Alipay](https://docs.antom.com/ac/antomop/alipay_cn.md), [AlipayHK](https://docs.antom.com/ac/antomop/aplusalipayhk.md), [Apple Pay](https://docs.antom.com/ac/antomop/applepay.md), [Google Pay](https://docs.antom.com/ac/antomop/googlepay.md), [GCash](https://docs.antom.com/ac/antomop/gcash.md), [GoPay](https://docs.antom.com/ac/antomop/gopay.md), [DANA](https://docs.antom.com/ac/antomop/DANA.md), [OVO](https://docs.antom.com/ac/antomop/ovo.md), [ShopeePay](https://docs.antom.com/ac/antomop/shopeepay.md), [PayPay](https://docs.antom.com/ac/antomop/paypay_mdx.md), [LINE Pay](https://docs.antom.com/ac/antomop/rabbitlinepay.md), [Kakao Pay](https://docs.antom.com/ac/antomop/kakaopay.md), [Toss Pay](https://docs.antom.com/ac/antomop/tosspay.md), [NAVER Pay](https://docs.antom.com/ac/antomop/naverpay.md), [TrueMoney](https://docs.antom.com/ac/antomop/truemoney.md), [GrabPay MY/PH](https://docs.antom.com/ac/antomop/grabpay_.md), [GrabPay SG](https://docs.antom.com/ac/antomop/grabpay_sg.md), [Boost](https://docs.antom.com/ac/antomop/boost.md), [Touch'n Go](https://docs.antom.com/ac/antomop/touchngo.md), [MoMo](https://docs.antom.com/ac/antomop/momo.md), [ZaloPay](https://docs.antom.com/ac/antomop/zalopay.md), [TWINT](https://docs.antom.com/ac/antomop/twint.md), [Mercado Pago](https://docs.antom.com/ac/antomop/mp_mdx.md), [Samsung Pay](https://docs.antom.com/ac/antomop/samsung_pay.md), [merpay](https://docs.antom.com/ac/antomop/merpay.md), [Rakuten Pay](https://docs.antom.com/ac/antomop/rakuten_pay.md), [au PAY](https://docs.antom.com/ac/antomop/aupay.md), [dBarai](https://docs.antom.com/ac/antomop/dbarai.md), [FamiPay](https://docs.antom.com/ac/antomop/famipay.md), [Maya](https://docs.antom.com/ac/antomop/maya.md), [LinkAja](https://docs.antom.com/ac/antomop/linkaja.md), [Viettel Money](https://docs.antom.com/ac/antomop/viettelmoney.md), [MPay](https://docs.antom.com/ac/antomop/mpay.md), [JKOPay](https://docs.antom.com/ac/antomop/jkopay.md), [Hipay](https://docs.antom.com/ac/antomop/hipay.md), [Changi Pay](https://docs.antom.com/ac/antomop/changipay.md), [Klarna](https://docs.antom.com/ac/antomop/klarna.md), [MB WAY](https://docs.antom.com/ac/antomop/mbway.md), [Bizum](https://docs.antom.com/ac/antomop/bizum.md), [PayPal](https://docs.antom.com/ac/antomop/paypal.md), [Venmo](https://docs.antom.com/ac/antomop/venmo.md), [Cash App Pay](https://docs.antom.com/ac/antomop/cashapppay.md), [K PLUS](https://docs.antom.com/ac/antomop/kplus.md), [Octopus](https://docs.antom.com/ac/antomop/octopus.md), [PayMe](https://docs.antom.com/ac/antomop/payme.md), [Swish](https://docs.antom.com/ac/antomop/swish.md).

**Cards:** [Visa](https://docs.antom.com/ac/antomop/visa_mdx.md), [Mastercard](https://docs.antom.com/ac/antomop/mastercard_mdx.md), [American Express](https://docs.antom.com/ac/antomop/amex.md), [JCB](https://docs.antom.com/ac/antomop/jcb_mdx.md), [UnionPay](https://docs.antom.com/ac/antomop/unionpay_mdx.md), [Discover](https://docs.antom.com/ac/antomop/discover.md), [Diners](https://docs.antom.com/ac/antomop/diners.md), [Maestro](https://docs.antom.com/ac/antomop/maestro.md), [Cartes Bancaires](https://docs.antom.com/ac/antomop/cartes_bancaires_mdx.md), [Brazilian Cards](https://docs.antom.com/ac/antomop/brazilian_mdx.md), [Chilean Cards](https://docs.antom.com/ac/antomop/chilean_mdx.md), [Indian Cards](https://docs.antom.com/ac/antomop/indian.md), [Mexican Cards](https://docs.antom.com/ac/antomop/mexican_mdx.md), [South Korean Cards](https://docs.antom.com/ac/antomop/south_korean_mdx.md), [Turkish Cards](https://docs.antom.com/ac/antomop/turkish_mdx.md), [Peruvian Cards](https://docs.antom.com/ac/antomop/peruvian_mdx.md). See [Cards Overview](https://docs.antom.com/ac/antomop/card_overview.md).

**Bank Transfers & Online Banking:** [iDEAL](https://docs.antom.com/ac/antomop/ideal.md), [Bancontact](https://docs.antom.com/ac/antomop/bancontact.md), [BLIK](https://docs.antom.com/ac/antomop/blik.md), [Przelewy24](https://docs.antom.com/ac/antomop/przelewy24.md), [EPS](https://docs.antom.com/ac/antomop/eps.md), [Pix](https://docs.antom.com/ac/antomop/pix.md), [PromptPay](https://docs.antom.com/ac/antomop/promptpay.md), [VietQR](https://docs.antom.com/ac/antomop/vietqr.md), [FPX](https://docs.antom.com/ac/antomop/fpx.md), [UPI](https://docs.antom.com/ac/antomop/upi.md), [ACH Direct Debit](https://docs.antom.com/ac/antomop/ach.md), [QRIS](https://docs.antom.com/ac/antomop/qris.md), [PayNow](https://docs.antom.com/ac/antomop/paynow.md), [QRPH](https://docs.antom.com/ac/antomop/qrph.md), [Net Banking](https://docs.antom.com/ac/antomop/net_banking.md), [Pay by Bank](https://docs.antom.com/ac/antomop/pay_by_bank.md), [Pay-easy](https://docs.antom.com/ac/antomop/payeasy.md), [PayU](https://docs.antom.com/ac/antomop/payu.md), [Korean Virtual Account](https://docs.antom.com/ac/antomop/virtual_account.md), [Express Bank Transfer](https://docs.antom.com/ac/antomop/express_bank_transfer.md), [BPI](https://docs.antom.com/ac/antomop/aplusbpi.md), [UnionBank](https://docs.antom.com/ac/antomop/unionbank.md), and Thai banks ([Bangkok Bank](https://docs.antom.com/ac/antomop/bangkok_bank.md), [Kbank](https://docs.antom.com/ac/antomop/kbank.md), [SCB](https://docs.antom.com/ac/antomop/scb.md), [KTB](https://docs.antom.com/ac/antomop/kyb.md), [Bank of Ayudhya](https://docs.antom.com/ac/antomop/bay.md), [GSB](https://docs.antom.com/ac/antomop/gsb.md)), [Kaspi](https://docs.antom.com/ac/antomop/kaspi.md), [PicPay](https://docs.antom.com/ac/antomop/picpay.md), [Satispay](https://docs.antom.com/ac/antomop/satispay.md), [Tinaba](https://docs.antom.com/ac/antomop/tinaba.md), [BANCOMAT Pay](https://docs.antom.com/ac/antomop/bancomat_pay.md).

**Buy Now Pay Later:** [BillEase](https://docs.antom.com/ac/antomop/billease.md), [Kredivo](https://docs.antom.com/ac/antomop/kredivo.md), [Paidy](https://docs.antom.com/ac/antomop/paidy.md), [Tabby](https://docs.antom.com/ac/antomop/tabby.md), [Tamara](https://docs.antom.com/ac/antomop/tamara.md), [seQura](https://docs.antom.com/ac/antomop/sequra.md), [Pagaleve](https://docs.antom.com/ac/antomop/Pagaleve.md).

**Other:** [Direct Carrier Billing](https://docs.antom.com/ac/antomop/dcb.md), [Konbini](https://docs.antom.com/ac/antomop/Konbini_mdx.md), [Konbini 7-Eleven](https://docs.antom.com/ac/antomop/Konbini_711_mdx.md).

## APIs & SDKs
### Core APIs (every integration uses these)
+ [createPaymentSession (One-time)](https://docs.antom.com/ac/ams/session_cashier.md): **Recommended entry point** for One-time Payments. Returns encrypted paymentSessionData for SDK initialization. Use this instead of `pay`.
+ [pay (One-time)](https://docs.antom.com/ac/ams/payment_cashier.md): API-only path. Returns redirect URL. **Use ONLY when SDK is not feasible.** Lower conversion than createPaymentSession + SDK.
+ [notifyPayment](https://docs.antom.com/ac/ams/paymentrn_online.md): **[CRITICAL]** Async webhook for final payment result. You MUST implement this. This is the source of truth — do NOT rely on synchronous responses.
+ [inquiryPayment](https://docs.antom.com/ac/ams/paymentri_online.md): Query payment status. **Fallback only** — use when notifyPayment is not received within 5 minutes. Do NOT poll this API as primary result source.
+ [refund](https://docs.antom.com/ac/ams/refund_online.md): Full or partial refund. Multiple partial refunds allowed up to original amount.
+ [cancel](https://docs.antom.com/ac/ams/paymentc_online.md): Cancel a pending payment within the cancellation window.
+ [Idempotency](https://docs.antom.com/ac/ams/idempotency.md): **Required for all write APIs** (pay, refund, cancel, capture). Pass unique paymentRequestId/refundRequestId to prevent duplicate transactions.
+ [Sign a Request](https://docs.antom.com/ac/ams/digital_signature.md): RSA/SHA256 signature. Use [Server-side SDKs](https://docs.antom.com/ac/sdks/server_sdks.md) instead of manual implementation.

### Tokenized Payment APIs
+ [consult (Authorization)](https://docs.antom.com/ac/ams/authconsult.md): Get authorization URL. **First step** in tokenized flow.
+ [applyToken](https://docs.antom.com/ac/ams/accesstokenapp.md): Exchange auth code for accessToken. **Prerequisite: user completed authorization via consult URL and notifyAuthorization received.**
+ [pay (Tokenized)](https://docs.antom.com/ac/ams/payment_agreement.md): Charge using accessToken. **Do NOT confuse with pay (One-time)** — this requires a valid accessToken, not paymentSessionData.
+ [createPaymentSession (Tokenized)](https://docs.antom.com/ac/ams/session_autodebit.md): Create a session for SDK-based Tokenized Payment.
+ [consult (Pre-debit)](https://docs.antom.com/ac/ams/consult_auto.md): Check if a tokenized payment method can complete the payment before calling pay.
+ [revoke](https://docs.antom.com/ac/ams/authrevocation.md): Cancel authorization. **Tokenized Payment only.** For EasySafePay deauthorization, see [EasySafePay Revoke](https://docs.antom.com/ac/easypay/revoke.md).

### Subscription APIs
+ [create](https://docs.antom.com/ac/ams/create_sub.md): Create subscription. Returns authorization URL for user approval.
+ [update](https://docs.antom.com/ac/ams/update.md): Modify subscription metadata (description, period). **No billing change.**
+ [change](https://docs.antom.com/ac/ams/change_sub.md): Change subscription plan with **prorated billing adjustments**. For metadata-only changes, use [update](https://docs.antom.com/ac/ams/update.md) instead.
+ [cancel (Subscription)](https://docs.antom.com/ac/ams/cancel_sub.md): Cancel or terminate subscription. **Not the same as cancel (One-time)** — this stops recurring billing.

### EasySafePay APIs
+ [createPaymentSession (EasySafePay)](https://docs.antom.com/ac/ams/createpaymentsession_easypay.md): Create a payment session for EasySafePay SDK integration.

### Card Vaulting APIs
+ [createVaultingSession](https://docs.antom.com/ac/ams/vaulting_session.md): Create vaulting session for SDK-based card binding. **Use this for SDK integration.** For API-only, see [vaultPaymentMethod](https://docs.antom.com/ac/ams/vault_method.md).
+ [vaultPaymentMethod](https://docs.antom.com/ac/ams/vault_method.md): Vault a card via API. **Use for API-only integration** or when SDK is not available.
+ [inquireVaulting](https://docs.antom.com/ac/ams/inquire_vaulting.md): Query the status of a card vaulting request.
+ [fetchNonce](https://docs.antom.com/ac/ams/fetchnouce.md): Collect card info securely when the merchant does not have PCI qualification.

### Payment Lifecycle APIs
+ [capture](https://docs.antom.com/ac/ams/capture.md): Capture authorized funds. **Only needed when manual capture mode is enabled** (default is auto-capture). Check merchant configuration before using.
+ [notifyRefund](https://docs.antom.com/ac/ams/notify_refund.md): Async notification of refund result.
+ [notifyCapture](https://docs.antom.com/ac/ams/notify_capture.md): Async notification of capture result. **Only for manual capture mode.**
+ [notifyReversal](https://docs.antom.com/ac/ams/notify_reversal.md): Abnormal transaction notification. Requires merchant action.

### Notification Webhooks
+ [notifyAuthorization](https://docs.antom.com/ac/ams/notifyauth.md): User authorization result — success or cancellation.
+ [notifyVaulting](https://docs.antom.com/ac/ams/notify_vaulting.md): Card vaulting reaches final state (success or failure).
+ [notifySubscription](https://docs.antom.com/ac/ams/notify_sub.md): Subscription creation result — success or failure.
+ [notifyPayment (Subscription)](https://docs.antom.com/ac/ams/notify_subpayment.md): Each subscription period's automatic deduction result.
+ [notifyDispute](https://docs.antom.com/ac/ams/notify_dispute.md): Dispute (chargeback) raised against a transaction.

### Dispute APIs
+ [acceptDispute](https://docs.antom.com/ac/ams/accept.md): Accept a dispute and agree to refund.
+ [supplyDefenseDocument](https://docs.antom.com/ac/ams/supply_evidence.md): Upload evidence to defend against a chargeback within the time limit.
+ [downloadDisputeEvidence](https://docs.antom.com/ac/ams/download.md): Download dispute evidence template and previously uploaded files.

### APO APIs
+ [pay (APO)](https://docs.antom.com/ac/ams/payment_cashier.md): APO payment API.
+ [verifyAndCompletePayment](https://docs.antom.com/ac/ams/verify_complete.md): Verify and complete APO payment.
+ [createPaymentSession (APO)](https://docs.antom.com/ac/ams/session_cashier.md): Create payment session for APO SDK integration.
+ [capture (APO)](https://docs.antom.com/ac/ams/capture.md): Capture authorized APO payment.
+ [cancel (APO)](https://docs.antom.com/ac/ams/paymentc_online.md): Cancel APO transaction.
+ [refund (APO)](https://docs.antom.com/ac/ams/refund_online.md): Refund APO transaction.
+ [inquiryPayment (APO)](https://docs.antom.com/ac/ams/paymentri_online.md): Query APO payment status.
+ [notifyPayment (APO)](https://docs.antom.com/ac/ams/paymentrn_online.md): APO payment notification.
+ [notifyCapture (APO)](https://docs.antom.com/ac/ams/notify_capture.md): APO capture notification.
+ [notifyDispute (APO)](https://docs.antom.com/ac/ams/notify_dispute.md): APO dispute notification.
+ [notifyRefund (APO)](https://docs.antom.com/ac/ams/notify_refund.md): APO refund notification.
+ [inquiryRefund (APO)](https://docs.antom.com/ac/ams/ir_online.md): Query APO refund status.
+ [createVaultingSession (APO)](https://docs.antom.com/ac/ams/vaulting_session.md): Create vaulting session in APO.
+ [vaultPaymentMethod (APO)](https://docs.antom.com/ac/ams/vault_method.md): Vault a card via API in APO.
+ [notifyVaulting (APO)](https://docs.antom.com/ac/ams/notify_vaulting.md): APO vaulting notification.
+ [inquireVaulting (APO)](https://docs.antom.com/ac/ams/inquire_vaulting.md): Query APO vaulting status.

### Utility APIs
+ [Message Encoding](https://docs.antom.com/ac/ams/me.md): Base64 and URL encoding for special characters in API messages.
+ [initializeAuthentication](https://docs.antom.com/ac/ams/init_auth.md): Collect device and browser data for 3D Secure transactions before payment.
+ [ISO Codes](https://docs.antom.com/ac/ams/isocode.md): Valid response codes for Visa, Mastercard, AMEX network messages.
+ [Merchant Advice Code](https://docs.antom.com/ac/ams/mac.md): Mastercard-specific codes returned for approved and declined payments.
+ [declare](https://docs.antom.com/ac/ams/declare.md): Transmit payment info to customs for cross-border transactions requiring customs declaration.
+ [inquiryDeclarationRequests](https://docs.antom.com/ac/ams/inquirydeclare.md): Query customs declaration status.
+ [registration](https://docs.antom.com/ac/ams/registration_online.md): Register a sub-merchant with Antom (for platform/aggregator models).
+ [inquiryRegistrationStatus](https://docs.antom.com/ac/ams/irs_online.md): Query sub-merchant registration status.
+ [uploadInvoiceShippingFile](https://docs.antom.com/ac/ams/uploadInvoiceShippingFile.md): Upload invoice or logistics files. Required for UPI, Net Banking, and Indian card payments.

### Full API Reference
+ [Antom APIs](https://docs.antom.com/ac/ams/api.md): Complete list of all Antom APIs with parameters and response codes.
+ [API Overview](https://docs.antom.com/ac/ams/api_fund.md): Request format, authentication, and common response codes.

### Server-side SDKs
+ [Server-side SDKs](https://docs.antom.com/ac/sdks/server_sdks.md): Official libraries for Java, Node.js, PHP, and Python. Handle API signatures, request construction, and response parsing automatically. Always use these instead of raw HTTP calls.
+ [SDK Overview](https://docs.antom.com/ac/sdks/overview.md): Architecture overview of Antom's server-side and client-side SDK system.

### Client-side SDKs
+ [Web/WAP SDK](https://docs.antom.com/ac/sdks/web.md): Integrate payment UI into web and mobile web applications. Supports npm and CDN installation.
+ [Android SDK](https://docs.antom.com/ac/sdks/android.md): Native Android SDK integration via Maven or manual import.
+ [iOS SDK](https://docs.antom.com/ac/sdks/ios.md): Native iOS SDK integration via CocoaPods or manual import.

### Web SDK Key Methods
+ [loadAntom()](https://docs.antom.com/ac/sdks/web_loadAntom.md): Entry function. Must be called first.
+ [antom.createElement()](https://docs.antom.com/ac/sdks/web_antom-createElement.md): Create payment or card binding element by type.
+ [AMSElement](https://docs.antom.com/ac/sdks/web_AMSElement.md): Configuration for Payment Element (env, locale, paymentSessionData).
+ [submitPayment()](https://docs.antom.com/ac/sdks/web_submitPayment.md): Initiate payment after buyer completes form.
+ [element.on()](https://docs.antom.com/ac/sdks/web_element-on.md): Register event listeners (ready, error, payment completion).
+ [Full SDK Reference →](https://docs.antom.com/ac/sdks/web.md): mount(), unmount(), destroy(), confirmPayment(), confirmCardSetup(), CVVElement, VaultingElement, updateConfig(), and more.

### Testing Tools
+ [Sandbox](https://docs.antom.com/ac/ref/sandbox.md): Simulated environment for testing payments without real transactions. Always validate here before going live.
+ [Test Cards](https://docs.antom.com/ac/ref/card.md): Simulate card payment scenarios — approval, decline, 3DS challenge, and various error cases.
+ [Test Wallet](https://docs.antom.com/ac/ref/testwallet.md): Mobile app for simulating digital wallet payments end-to-end.
+ [Test Other Methods](https://docs.antom.com/ac/ref/other.md): Simulate bank transfer, BNPL, and other non-card, non-wallet payments in sandbox.
+ [Testing Resources](https://docs.antom.com/ac/ref/test_resource.md): Complete list of test credentials and resources for all supported payment methods.
+ [How to Test Digital Wallet](https://docs.antom.com/ac/ref/test_digital_wallet.md): Guide for testing digital wallet payment flows in sandbox.
+ [Integration Skill](https://docs.antom.com/ac/ref/skill.md): AI-powered tool that generates payment integration code from natural language instructions.

### Reference
+ [Integration Mode](https://docs.antom.com/ac/ref/oy9921.md): Three business models — merchant/ACQ, ISV, and system integrator. Choose based on your business structure.
+ [MCC Codes](https://docs.antom.com/ac/ref/mcccodes.md): Merchant Category Code list for merchant classification.
+ [Amount Object Rules](https://docs.antom.com/ac/ref/cc.md): Currency codes and value formatting. All amounts must be in the smallest currency unit.
+ [Risk Management Methods](https://docs.antom.com/ac/ref/risk_methods.md): AVS and CVV verification for fraud prevention in card payments.
+ [Secure File Transmission](https://docs.antom.com/ac/ref/xgcpey.md): Security requirements for file upload and download.
+ [Brand Assets](https://docs.antom.com/ac/ref/brandasset.md): Download official payment method logos for display on checkout pages.

## Post-Payment Operations
### Reconciliation and Settlement
+ [Overview](https://docs.antom.com/ac/reconcile/overview.md): Antom's settlement process and how to reconcile transactions.
+ [Settlement Rules](https://docs.antom.com/ac/reconcile/rules.md): Settlement schedule, currencies, and calculation methods.
+ [Settlement Lifecycle](https://docs.antom.com/ac/reconcile/lifecycle.md): How currency conversion modes affect settlement timing.
+ [Perform Reconciliation](https://docs.antom.com/ac/reconcile/perform.md): Match transactions using reports or the Antom Dashboard.
+ [Transaction Details Report](https://docs.antom.com/ac/reconcile/transaction_details.md): Daily report of all successful transactions (generated T+1).
+ [Settlement Details Report](https://docs.antom.com/ac/reconcile/settlement_details.md): Per-settlement-period transaction details for reconciliation.
+ [Settlement Summary Report](https://docs.antom.com/ac/reconcile/settlement_summary.md): Summary of total transactions and net settlement per period.
+ [Report Field Summary](https://docs.antom.com/ac/reconcile/field_summary.md): Compare fields across different reconciliation reports.

### Dispute Management
+ [Overview](https://docs.antom.com/ac/dispute/overview.md): Dispute procedures, key terms, and best practices for chargebacks.
+ [How Disputes Work](https://docs.antom.com/ac/dispute/process.md): Three-stage process — retrieval request, refund escalation, chargeback.
+ [Dispute Process by Payment Method](https://docs.antom.com/ac/dispute/process_payment_methods.md): Method-specific dispute procedures.
+ [Responsibilities](https://docs.antom.com/ac/dispute/pr.md): Merchant vs Antom obligations in dispute resolution.
+ [Dispute Resolution](https://docs.antom.com/ac/dispute/dispute_resolution.md): Four mechanisms — retrieval, chargeback, RDR, compliance request.
+ [Handle a Chargeback](https://docs.antom.com/ac/dispute/handle_chargeback.md): Response options, documentation requirements, and deadlines.
+ [Defend a Chargeback](https://docs.antom.com/ac/dispute/defendchargeback.md): Use Antom's AI assistant and auto-defense tools for chargeback defense.
+ [Minimize Chargebacks](https://docs.antom.com/ac/dispute/bp.md): Prevent disputes through better customer service and transaction clarity.
+ [Chargeback Reason Codes](https://docs.antom.com/ac/dispute/reason_code.md): Reference codes for [Visa](https://docs.antom.com/ac/dispute/visa.md), [Mastercard](https://docs.antom.com/ac/dispute/mastercard.md), [AMEX](https://docs.antom.com/ac/dispute/amex.md), [Discover/Diners](https://docs.antom.com/ac/dispute/diners.md), [UnionPay](https://docs.antom.com/ac/dispute/oc.md), [JCB](https://docs.antom.com/ac/dispute/jcb.md), [Cartes Bancaires](https://docs.antom.com/ac/dispute/cb.md), [Other](https://docs.antom.com/ac/dispute/cs.md).
+ [Card Monitoring Programs](https://docs.antom.com/ac/dispute/monitor.md): Visa and Mastercard chargeback/fraud ratio monitoring.
+ [RDR](https://docs.antom.com/ac/dispute/rdr.md): Rapid Dispute Resolution — automatic refund for eligible chargebacks.
+ [CDRN](https://docs.antom.com/ac/dispute/cdrn.md): Proactive dispute alerts to prevent chargebacks.
+ [Chargeback Time Frames](https://docs.antom.com/ac/dispute/timeframe.md): Deadlines for chargeback responses by card scheme.
+ [NoC Configuration](https://docs.antom.com/ac/dispute/noc.md): Configure webhook URL for chargeback alert notifications.
+ [Antom Fraud Control](https://docs.antom.com/ac/dispute/fraud.md): Anti-fraud tools and services.

### Antom Shield (Risk Management)
+ [Overview](https://docs.antom.com/ac/antomshield/overview.md): Tiered intelligent risk control for fraud prevention.
+ [Understand Fraud](https://docs.antom.com/ac/antomshield/fraud.md): Types of online payment fraud — stolen cards, card testing, friendly fraud.
+ [Enhance Risk Assessment](https://docs.antom.com/ac/antomshield/getstarted.md): Improve data quality and integrate security SDKs for better risk scoring.
+ [Shield Score](https://docs.antom.com/ac/antomshield/risklevel.md): ML-based transaction risk score. Higher tiers get customized models.
+ [Lists](https://docs.antom.com/ac/antomshield/list.md): Manage allowlists and blocklists for user information.
+ [Rules](https://docs.antom.com/ac/antomshield/rules.md): Configure custom risk control rules — block, approve, or trigger 3DS.
+ [Supported Variables](https://docs.antom.com/ac/antomshield/supported-attributes.md): Variables available for rule configuration.
+ [Smart Simulation](https://docs.antom.com/ac/antomshield/simulation.md): Test new rules against historical data before deployment (Pro tier).
+ [Fraud Ring Detection](https://docs.antom.com/ac/antomshield/analysis.md): AI-powered detection of organized fraud networks (Pro tier).
+ [Expert Decisions](https://docs.antom.com/ac/antomshield/premium.md): Real-time risk assessment by Antom experts (Premium tier).
+ [Smart Defense](https://docs.antom.com/ac/antomshield/defense.md): AI-powered chargeback dispute defense with auto-generated templates (Premium tier).

## Revenue Optimization
+ [Revenue Booster](https://docs.antom.com/ac/revenuebooster/overview.md): AI-powered card payment optimization — smart routing, network tokenization, and adaptive messaging for higher approval rates.
+ [Combined Payment](https://docs.antom.com/ac/combinedpay/overview.md): Single checkout for multi-merchant purchases in marketplace/platform scenarios.
+ [Flexible Settlement](https://docs.antom.com/ac/flexiblesettlement/overview.md): Automatic fund splitting among multiple parties after transaction settlement.

## Antom Dashboard
+ [Overview](https://docs.antom.com/ac/merchant_service/overview.md): Guide to day-to-day business operations on the Antom Dashboard.
+ [Get Started](https://docs.antom.com/ac/merchant_service/antom_dashboard.md): Account registration, sandbox testing, and live mode activation.
+ [Merchant Onboarding](https://docs.antom.com/ac/merchant_service/merchant_onboard.md): Four-step account activation process.
+ [API Key Configuration](https://docs.antom.com/ac/merchant_service/key_config.md): Set up API keys before starting integration.
+ [Notification URL](https://docs.antom.com/ac/merchant_service/notification.md): Configure and test webhook endpoints for async notifications.
+ [Enable Payment Methods](https://docs.antom.com/ac/merchant_service/enable_payment.md): Activate payment methods on the dashboard.
+ [Settlement Plan](https://docs.antom.com/ac/merchant_service/settlement_plan.md): Configure settlement currency, bank account, and minimum amount.
+ [Transaction Management](https://docs.antom.com/ac/merchant_service/transactions.md): View, search, and manage transactions.
+ [Dispute Management](https://docs.antom.com/ac/merchant_service/dispute.md): Handle chargebacks and configure alert settings.
+ [Reports](https://docs.antom.com/ac/merchant_service/reports.md): Generate and download real-time or historical reports.
+ [Payment Links](https://docs.antom.com/ac/merchant_service/payment_links.md): Create shareable payment links for accepting payments without integration.
+ [Test Cases](https://docs.antom.com/ac/merchant_service/test_case.md): Mandatory integration verification before going live.
+ [Multi-operator](https://docs.antom.com/ac/merchant_service/multi_operator.md): Manage team member access and permissions.
+ [Account Management](https://docs.antom.com/ac/merchant_service/account_manage.md): View and manage merchant account information.

## Plugins
+ [Shopify plugin product overview](https://docs.antom.com/ac/plugins/shopify.md): Learn more about the product capabilities of the Shopify plugin.
+ [Shopify plugin installation guide](https://docs.antom.com/ac/plugins/shopify_installation.md): Discover the Shopify integration guide and learn about how to create and activate an account in the Shopify admin portal.
+ [WooCommerce plugin product overview](https://docs.antom.com/ac/plugins/woocommerce.md): Learn more about the product capabilities of the WooCommerce plugin.
+ [WooCommerce plugin installation guide](https://docs.antom.com/ac/plugins/woocommerce_installation.md): Learn how to install the Antom Payments plugin for your WooCommerce store.

## Compliance & Troubleshooting
### Compliance Routing
| Requirement | What you need | Key docs |
| --- | --- | --- |
| European card payments (PSD2/SCA) | 3DS authentication is mandatory | [3D Secure 2](https://docs.antom.com/ac/pm/3ds.md) |
| India RBI tokenization | Tokenized card storage required | [Antom Tokenization](https://docs.antom.com/ac/pm/tokenization.md) |
| PCI DSS compliance | Server-to-server card API requires your own PCI certification | [Card S2S](https://docs.antom.com/ac/cashierpay/cardinfocallmerchant.md) |
| Custom risk rules | Antom Shield rule configuration | [Shield Rules](https://docs.antom.com/ac/antomshield/rules.md) |


### Troubleshooting Routing
| Symptom | First check | Then check |
| --- | --- | --- |
| Payment always fails | [Sandbox test](https://docs.antom.com/ac/ref/sandbox.md) → verify credentials | [Test Cards](https://docs.antom.com/ac/ref/card.md) |
| No async notification received | [Notification URL config](https://docs.antom.com/ac/merchant_service/notification.md) | Network/firewall settings |
| 3DS challenge not triggered | [3DS integration](https://docs.antom.com/ac/pm/3ds.md) | [initializeAuthentication](https://docs.antom.com/ac/ams/init_auth.md) |
| Refund rejected | [Refund rules](https://docs.antom.com/ac/cashierpay/refund.md) | Transaction status and window |
| Card declined without 3DS | [Risk control rules](https://docs.antom.com/ac/antomshield/rules.md) | [Shield score](https://docs.antom.com/ac/antomshield/risklevel.md) |
| Wrong payment method shown | [Specify a payment method](https://docs.antom.com/ac/pm/specify_pm.md) | [Payment method availability](https://docs.antom.com/ac/pm/overview.md) |


## FAQ & Support
+ [General Questions](https://docs.antom.com/ac/questions/general_question.md): Common inquiries about Antom services and account setup.
+ [Payment (One-time)](https://docs.antom.com/ac/questions/pay.md): Integration, redirections, notifications, and result codes for One-time Payments.
+ [Refund](https://docs.antom.com/ac/questions/refund_question.md): Refund policies, timelines, and common issues.
+ [Sandbox](https://docs.antom.com/ac/questions/sandbox_question.md): Sandbox environment setup and troubleshooting.
+ [Settlement](https://docs.antom.com/ac/questions/settlement_question.md): Settlement timing, currencies, and common questions.
+ [Dashboard](https://docs.antom.com/ac/questions/dashboard_question.md): Dashboard operations and troubleshooting.
+ [Reports](https://docs.antom.com/ac/questions/report_question.md): Report generation, download, and field interpretation.
+ [Support](https://docs.antom.com/support.md): Contact channels and troubleshooting resources when integration issues arise.