Payment Methods and Management

Q: Can I disconnect a connected payment account myself?

If the payment account has never had a successful order and has no pending balance, you can disconnect and reselect it in account settings. However, if the account has generated successful orders, the system prevents manual disconnection to ensure you can still process online refunds, reconciliation, and dispute resolution for historical orders. If you no longer wish to use the provider, simply drag it to "Disabled" in "Payment Management."

About 8 minBeginner

Overview

Go to "Website Settings › Payments" in your dashboard. The system will automatically list the payment providers available for application and integration based on your "Business Location."

Kanorio’s payment architecture is highly flexible: you can connect multiple payment accounts simultaneously (e.g., apply for two aggregators as backups, and connect multiple digital wallets). Use the "Payment Management" panel to drag and drop to decide which payment options appear on your checkout page and which one is selected by default.

Two Types of Payments: Aggregators vs. Direct Wallets

Kanorio categorizes payment providers into "Aggregators" and "Direct Wallets." They have different coexistence rules on the checkout page:

Payment Type	Included Providers	Description	How many can be enabled on the checkout page at once?
Multi-payment	• ；• ；•	Multiple payment tools in one account (e.g., domestic and international credit cards, installments, Apple Pay, Google Pay, ATM virtual accounts, convenience store codes, or Buy Now, Pay Later).	Enable up to 1 at a time on the checkout page. (You can apply for two multi-payment providers; enable one for collection and keep the other as a backup in "Disabled" status, ready to switch anytime.)
Mobile Payment	• ；•	Dedicated e-wallet payment flow. After the buyer confirms the order, the mobile app is triggered to authorize the payment.	Multiple providers can be enabled simultaneously. You can display them alongside the multi-payment provider on the checkout page, or use mobile payment exclusively without a multi-payment provider.

Comprehensive Comparison of Supported Payment Providers

The payment cards displayed in your dashboard depend on the "Business Location" set in "Website Settings › General", and your store's "Currency" must be within the supported range of the payment provider:

Payment Provider	Type	Applicable Region & Currency	Eligibility & Activation	Supported Payment Tools	Platform Fee Collection	Best For
	Multi-payment	42 countries (including HK, Japan, Singapore, US/EU; excludes Taiwan); Currency: Supports `USD`, `HKD`, `JPY`, `EUR`, `GBP`, `SGD`, `TWD`, etc.	Individuals/Businesses; online guided setup, ready upon completion	Credit/Debit cards, Apple Pay, Google Pay, Link	Real-time split payment at transaction (no credit card binding required)	Creators and global brands operating outside of Taiwan.
	Multi-payment	Taiwan (`TW`); Currency: `TWD` only	Individuals (200k limit/30 days) / Businesses (1M limit/30 days); no API key required for review, approx.

About PayPal: PayPal integration is not currently available. If your business location is overseas, please prioritize using , which supports multiple currencies and international cards.

Adjusting Checkout Order, Disabling, and Switching Backup Payments

Once at least one payment method is approved and enabled, go to "Website Settings › Payments" and click the "Payment Management" button in the top right corner to open the sorting and activation panel:

1. Understanding the "Visible to Buyers" and "Disabled" Sections

Visible to Buyers: Payment methods listed here will appear on your public checkout page. You can hold the drag handle on the left to reorder them—the payment method at the "1st position" is the one selected by default when a buyer enters the checkout page.
Disabled: Payment methods listed here will not appear on the checkout page, but your account connections, credentials, and all historical order records are preserved. You can drag them back to "Visible to Buyers" at any time to resume collection.
After making adjustments, click "Save" at the bottom of the panel, and the changes will take effect on your live checkout page immediately.

2. Four Automatic Protection Rules for Payment Management

Keep at least one payment method: To prevent checkout interruptions, the system locks the disable button when only one item remains in "Visible to Buyers," ensuring buyers can always pay.
One-click switch for backup aggregators (Automatic mutual replacement): If you have applied for both SHOPLINE Payments and PAYUNi (the second one is set to "Disabled" by default upon approval), dragging the second aggregator into "Visible to Buyers" will automatically move the first one to "Disabled," allowing for seamless switching between primary and backup providers.
LINE Pay deduplication (No duplicate LINE Pay options): SHOPLINE Payments includes LINE Pay. If you enable both SHOPLINE Payments and a direct LINE Pay connection, the system will prioritize your direct LINE Pay to avoid showing duplicate options. If you prefer the built-in LINE Pay, simply drag the direct LINE Pay to "Disabled."
Disabling PAYUNi will pause 7-ELEVEN and Black Cat logistics: Since logistics labels for 7-ELEVEN and Black Cat in Taiwan are generated via the PAYUNi payment page, moving PAYUNi to "Disabled" will trigger a reminder that these shipping methods will be hidden from checkout (your logistics settings remain intact and will resume once PAYUNi is re-enabled; FamilyMart and Hi-Life are unaffected).

Two-Layer Control: Managing Providers and Payment Tools

For aggregators, you can precisely control which tools buyers can use (e.g., enabling credit cards and ATM transfers, but disabling 24-month installments):

Layer 1 (Payment Management Panel): Determines whether "this payment provider" appears on the checkout page.
Layer 2 ("Account Information" Panel for each provider): Click the provider card in "Website Settings › Payments" to enter "Account Information." You can toggle individual payment tools on or off:
- PAYUNi: Toggling switches triggers real-time API calls to the provider to enable or disable tools (e.g., adding 12/18/24/30-month installments or AFTEE).
- SHOPLINE Payments: All supported tools are submitted for review upon application. Once approved, you can toggle them here to change checkout options instantly (e.g., enabling LINE Pay, Zhongzu Zero-Card installments, or disabling specific installment plans; at least one must remain enabled).

4 Checks to Ensure Smooth Payment Approval

Whether you are applying for Stripe, PAYUNi, SHOPLINE Payments, or LINE Pay, risk control reviewers will check your live website. Spending 5 minutes on these 4 points can significantly reduce rejection or resubmission time:

Website is published with "Real, understandable products and pricing": Do not leave blank pages, Test 123, or $1 test products. List at least 1–2 products with clear names, descriptions, delivery methods, and reasonable prices (you can modify the system's built-in sample products and publish them).
Public "Return Policy" and "Terms of Service": Enable and publish these pages in "Edit Website" › "Page Management › Terms" (see ).
Clear contact information in the footer: Ensure your website footer or contact section displays a customer service email, phone number, or business information.
Applicant name/company name matches the bank account holder: For individuals, use your own ID and local currency bank account. For businesses, prepare your company registration number, the person-in-charge's ID, and a copy of the company bank passbook. Ensure photos are clear and glare-free.

FAQ

If the payment account has never had a successful order and has no pending balance, you can disconnect and reselect it in account settings. However, if the account has generated successful orders, the system prevents manual disconnection to ensure you can still process online refunds, reconciliation, and dispute resolution for historical orders. If you no longer wish to use the provider, simply drag it to "Disabled" in "Payment Management."

Only one aggregator can be used at a time. When you already have one active aggregator, the newly approved second one is set to "Disabled" by default to prevent unexpected changes to your live checkout. Go to "Payment Management," drag the new provider into "Visible to Buyers," and save.