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Float lets your customers split a purchase into interest-free monthly instalments on the credit card they already have — no new credit agreements, no sign-up friction. Float handles card authorisation, 3-D Secure, and collections.

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How the integration works

Float is a redirect-based payment method. Your integration only ever does three things:
  1. Create a checkout — a server-to-server POST /api/checkouts call that returns a payment_url.
  2. Redirect the shopper to that payment_url. Float hosts the entire payment experience: instalment selection, card entry, and 3-D Secure.
  3. Receive the result — Float POSTs a signed callback to your notify_url and redirects the shopper back to your success_url or cancel_url.
Card data never touches your servers, so your PCI scope stays minimal.
🇬🇧 Building for the United Kingdom? Switch territory with the selector at the top of the sidebar — base URLs and currency differ, the API is otherwise identical.

Quickstart

Create your first checkout in under five minutes.

Accepting payments

The full custom-integration walkthrough, end to end.

Callbacks

Handle Float’s signed payment notifications correctly.

API Reference

Every endpoint, parameter, and error code.

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Ways to integrate

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Environments

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Getting credentials

Float issues each merchant an integration consisting of:
  • a client secret (shown as API Key) — the Bearer token that authenticates your API calls, and
  • a signing key — a shared HMAC key used to sign requests and verify Float’s callbacks.
Both are self-serve in the Merchant Portal: log in and open Merchant settings — your integration section shows the API Key and Signing Key with copy buttons. If you don’t have portal access or an integration set up yet, contact your Float account manager or support@float.co.za. See Authentication for how to use the credentials.