Case Study: Custom Online Payment Integration with Banco Sabadell (PAYCOMET)

Background

Our client required a reliable and flexible way to accept payments online using Banco Sabadell’s TPV Virtual system, powered by PAYCOMET. While traditional invoice-based payments were already in place, they needed an additional solution that allowed payments to be made quickly without requiring users to log in to a client portal.

This was particularly important for situations involving urgent payments, third-party payments (such as accounts departments), and users who may not have direct access to their account credentials.

Challenge

The main challenge was to create a standalone payment solution that was:

  • Simple and intuitive for end users
  • Secure and compliant with banking requirements
  • Flexible enough to handle payments without requiring login access
  • Fully integrated with Banco Sabadell’s PAYCOMET platform

Additionally, the integration had to meet strict compliance requirements, including clear visibility of sales terms and cancellation/refund policies at the point of payment.

Solution

Our solution was to design and build a fully customised online payment system that connects directly to Banco Sabadell via the PAYCOMET API.

The result is a fast, secure, and user-friendly payment experience that removes friction and allows payments to be completed in seconds.

The system includes:

  1. A clean, responsive payment page where users can enter payment details
  2. A backend API layer that securely communicates with PAYCOMET
  3. Dynamic generation of secure payment links
  4. Custom success and failure pages for clear user feedback
  5. Built-in validation and error handling

The payment process works as follows:

1. The user enters payment details on a secure payment page
2. The system validates the data and sends a request to our API
3. Our API communicates with PAYCOMET to generate a secure payment session
4. The user is redirected to Banco Sabadell’s hosted payment page
5. Upon completion, the user is returned to a custom success or failure page

Compliance Implementation

To meet Banco Sabadell’s requirements, we implemented:

  • Sales terms and conditions accessible at the point of payment
  • Cancellation and refund policy clearly displayed
  • Mandatory user acceptance via checkbox before payment
  • Secure handling of all payment data via PAYCOMET

These elements ensured the system passed compliance checks and could operate without transaction limits.

Technologies Utilised

  1. PHP
  2. PAYCOMET REST API
  3. Banco Sabadell TPV Virtual
  4. Bootstrap (Frontend UI)

Outcome

The final solution delivers a seamless payment experience that:

  • Allows payments without login access
  • Reduces friction for urgent and third-party payments
  • Meets all banking and compliance requirements
  • Provides clear user feedback on payment status

This integration demonstrates how a custom-built payment solution can significantly improve usability while maintaining enterprise-level security and compliance.

Shortlink: https://www.jucra.com/go/26403/

Craig Edmonds

Post Written by Craig Edmonds

Craig co-owns JUCRA Digital and brings a rich background in hospitality and finance. Transitioning from finance, he embarked on a sabbatical to Marbella, Spain in 2000 and has since made a significant shift into web design and wordpress development. Residing in Marbella ever since, Craig thrives on the dynamic challenges of the internet, has a strong affinity for WordPress, and is an enthusiast of Cpanel.

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