Plugipay

Merchant Quickstart

This guide walks you through taking your first payment on Plugipay in about 10 minutes. You'll create an account, connect a provider, create a Plan, make a test checkout, and confirm the webhook fires.

No code required for the merchant path. If you're a developer integrating the API, see the developer quickstart instead.

What you'll need

  • A Plugipay account (free signup)
  • One of:
    • Nothing — choose "Plugipay managed" during onboarding and we provision an Xendit sub-account for you
    • A Xendit account — if you want to bring your own
    • A Midtrans account — for Indonesia-first merchants with an existing setup
    • A PayPal REST app — if your audience is international

Step 1 — Create your account

Go to plugipay.com/signup and sign in with Huudis. Huudis is the identity platform shared across every Forjio product — one account works everywhere.

You'll land on the onboarding wizard at /onboarding/setup once signed in.

Step 2 — Choose a payment provider

The first step of onboarding is the provider picker. Four options:

  • Plugipay managed (recommended, default) — We create an Xendit sub-account under our platform. You get QRIS, VA, e-wallets, and cards active immediately. Nothing to paste.
  • Bring your own Xendit — You already have a Xendit account. Paste your secret key + callback token. Setup guide →
  • Bring your own Midtrans — Paste your server key, client key, and merchant ID. Setup guide →
  • Bring your own PayPal — Paste your REST client ID + secret. Setup guide →

If you're not sure, pick Plugipay managed. You can switch later.

Step 3 — Set your default currency

Pick the currency you'll bill in. Most Indonesian merchants pick IDR. You can take payments in multiple currencies later; this is just the default for new Plans.

Step 4 — Create your first Plan

A Plan is a recurring charge template. Give it a name (e.g. "Pro Monthly"), an amount (e.g. Rp 99,000), and a billing interval (e.g. month).

Plugipay stores the Plan and exposes a checkout URL you can link from your website or in-app upgrade button.

Step 5 — Take a test payment

On the last step, the wizard generates a CheckoutSession for your new Plan and opens it in test mode. Pick a payment method (QRIS is fastest) and complete the payment with the sandbox credentials shown.

Plugipay will:

  1. Mark the CheckoutSession completed.
  2. Create an Invoice and mark it paid.
  3. Emit plugipay.checkout_session.completed.v1 and plugipay.invoice.paid.v1 webhooks.
  4. Write matching entries to the double-entry Ledger.

Flip your provider from test to live in Settings → Providers once you've verified the flow works.

Next steps

  • Set up webhooks — Point Plugipay events at your backend so your app learns about successful payments, refunds, and churn in real time.
  • Configure dunning — Edit the default DunningPolicy so failed recurring charges get retried with your preferred cadence + messaging.
  • Build a customer portal — Use PortalSession to give customers a 15-minute self-service link to update payment methods and cancel.
  • Read Concepts — One paragraph on every entity Plugipay exposes.

Stuck?

Plugipay — Payments that don't tax your success