Cardstream

aid: cardstream
url: https://raw.githubusercontent.com/api-evangelist/cardstream/refs/heads/main/apis.yml
name: Cardstream
kind: company
description: Cardstream is an independent United Kingdom payment gateway providing a white-label payment platform that banks,
  PSPs, ISOs, acquirers and software companies resell under their own brand. It connects merchants to card schemes (Visa,
  Mastercard), digital wallets and 150+ Alternative Payment Methods from a single integration, with PCI DSS Level 1 processing,
  tokenisation, recurring billing, 3-D Secure 2 authentication, risk and fraud checking, and dynamic currency conversion.
  Its developer surface is a mature form-post gateway API exposed through three integration methods — Hosted (Hosted Payment
  Pages and Hosted Payment Fields), Direct (server-to-server), and Batch — documented in a public GitBook integration guide
  and supported by SDKs for PHP, Java, Node.js, Go, Ruby, C#, iOS and Android plus e-commerce modules. Requests are HTTP POST
  with application/x-www-form-urlencoded fields authenticated by merchantID plus optional password, HMAC message signing and
  IP allow-listing; the gateway does not publish a downloadable OpenAPI/Swagger definition or a JSON/REST surface.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- Payment Gateway
- Payment Processing
- White Label
- Card Payments
- Acquiring
- Hosted Payment Pages
- Tokenization
- 3-D Secure
- Alternative Payment Methods
- Subscriptions
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: cardstream:cardstream-gateway-hosted
  name: Cardstream Gateway - Hosted Integration
  description: Hosted Payment Pages (HPP) integration. The merchant's browser POSTs a URL-encoded request to the Gateway,
    which collects and processes the cardholder's payment details on a Cardstream-hosted page (lightbox, redirect or iframe)
    and POSTs the signed result back to the merchant's redirectURL. Removes cardholder data from the merchant's PCI scope.
  humanURL: https://guides.gitbook.io/integrationguide/getting-started/introduction-to-our-gateway/integration-methods
  baseURL: https://gateway.cardstream.com/hosted/
  tags:
  - Hosted Payment Pages
  - Card Payments
  properties:
  - type: Documentation
    url: https://guides.gitbook.io/integrationguide/
  - type: APIReference
    url: https://guides.gitbook.io/integrationguide/gateway-functionality/features/new-transactions/request-fields
- aid: cardstream:cardstream-gateway-direct
  name: Cardstream Gateway - Direct Integration
  description: Server-to-server integration. The merchant collects payment details on its own secure server and sends a URL-encoded
    HTTP POST directly to the Gateway for processing, supporting sales, refunds, cancellations, 3-D Secure 2, tokenisation
    and management requests. Optionally used with Hosted Payment Fields so sensitive card data is tokenised by the Gateway
    before the Direct request.
  humanURL: https://guides.gitbook.io/integrationguide/getting-started/introduction-to-our-gateway/integration-methods
  baseURL: https://gateway.cardstream.com/direct/
  tags:
  - Card Payments
  - Refunds
  - 3-D Secure
  - Tokenization
  properties:
  - type: Documentation
    url: https://guides.gitbook.io/integrationguide/
  - type: APIReference
    url: https://guides.gitbook.io/integrationguide/gateway-functionality/features/new-transactions/request-fields
  - type: Authentication
    url: https://guides.gitbook.io/integrationguide/getting-started/setting-up-your-integration/authentication
- aid: cardstream:cardstream-gateway-batch
  name: Cardstream Gateway - Batch Integration
  description: An enhancement to the Direct Integration that submits multiple transactions in a single multipart/mixed HTTP
    POST. The Gateway queues the transactions and returns a batch reference number used to download a status file; useful
    for capturing many transactions or collecting recurring subscription and loan-repayment charges. Does not support interactive
    flows such as 3-D Secure or wallet checkouts.
  humanURL: https://guides.gitbook.io/integrationguide/getting-started/introduction-to-our-gateway/integration-methods
  baseURL: https://gateway.cardstream.com/direct/
  tags:
  - Batch
  - Subscriptions
  - Recurring
  properties:
  - type: Documentation
    url: https://guides.gitbook.io/integrationguide/
  - type: APIReference
    url: https://guides.gitbook.io/integrationguide/getting-started/setting-up-your-integration/integration-details
- aid: cardstream:cardstream-hosted-payment-fields
  name: Cardstream Hosted Payment Fields
  description: A client-side library where only the individual input fields that collect sensitive cardholder data are hosted
    by the Gateway while the rest of the payment form is served by the merchant. On submission the Gateway returns a payment
    token representing the card data, which the merchant then processes via the Direct Integration without ever handling raw
    cardholder data.
  humanURL: https://guides.gitbook.io/integrationguide/references/code-references/integration-libraries/hosted-payment-fields-library
  baseURL: https://gateway.cardstream.com/hosted/
  tags:
  - Tokenization
  - Hosted Payment Pages
  properties:
  - type: Documentation
    url: https://guides.gitbook.io/integrationguide/references/code-references/integration-libraries/hosted-payment-fields-library
common:
- type: DomainSecurity
  url: security/cardstream-domain-security.yml
- type: Website
  url: https://cardstream.com/
- type: DeveloperPortal
  url: https://cardstream.com/developer/
- type: Documentation
  url: https://guides.gitbook.io/integrationguide/
- type: APIReference
  url: https://guides.gitbook.io/integrationguide/gateway-functionality/features/new-transactions/request-fields
- type: GettingStarted
  url: https://guides.gitbook.io/integrationguide/getting-started/setting-up-your-integration
- type: Authentication
  url: https://guides.gitbook.io/integrationguide/getting-started/setting-up-your-integration/authentication
- type: GitHubOrganization
  url: https://github.com/cardstream
- type: StatusPage
  url: https://status.cardstream.com/
- type: HelpCenter
  url: https://support.cardstream.com/hc/
- type: Login
  url: https://mms.cardstream.com/
- type: Blog
  url: https://cardstream.com/blog/
- type: PrivacyPolicy
  url: https://cardstream.com/privacy-policy/
- type: LinkedIn
  url: https://www.linkedin.com/company/cardstream
- type: Packages
  url: packages/cardstream-packages.yml
- type: SDKs
  url: packages/cardstream-packages.yml
- type: Authentication
  url: authentication/cardstream-authentication.yml
- type: Conventions
  url: conventions/cardstream-conventions.yml
- type: Idempotency
  url: conventions/cardstream-conventions.yml
- type: ErrorCatalog
  url: errors/cardstream-problem-types.yml
- type: DeclineCodes
  url: errors/cardstream-decline-codes.yml
- type: Conformance
  url: conformance/cardstream-conformance.yml
- type: Compliance
  url: https://guides.gitbook.io/integrationguide/getting-started/introduction-to-our-gateway/security-and-compliance
- type: Lifecycle
  url: lifecycle/cardstream-lifecycle.yml
- type: ChangeLog
  url: changelog/cardstream-changelog.yml
- type: Sandbox
  url: sandbox/cardstream-sandbox.yml
- type: Components
  url: components/cardstream-components.yml
- type: Webhooks
  url: asyncapi/cardstream-webhooks.yml
- type: LLMsTxt
  url: llms/cardstream-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com