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The Payment Coordinator is Lobyco’s single entry point for taking money. It orchestrates across payment methods and providers, and it handles the POS check-in that identifies the customer in the first place.
Do these first. Payments assume a payment location exists and the customer has checked in:
  1. Setting up a payment location
  2. Registering at POS

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What it covers

Transactions are visible in the Lobyco Admin Tool, where capture, refund and cancel can also be performed by hand.

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Checking a customer in

A customer must check in before they can see personalised content — bonus balance, personal offers, digital receipts — or pay with anything held in their account. The Payment Coordinator supports check-in and reverse check-in using any of: The flows themselves are covered in Registering at POS.

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App payment with customer confirmation

The standard flow: the POS creates the payment, the customer confirms it in the app, the POS captures it.

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Payment states

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POS payment without customer confirmation

A simpler flow: the POS creates the payment and captures it immediately, with no need to poll the state in between.
Only bonus payments may be taken without end-user confirmation. Card and wallet payments always require the customer to confirm.

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Payment Card Provider

Card handling sits behind a generic provider service, so the acquirer can change without changing your integration. Worldline, Rapyd and Moneris are supported today, and new providers can be added. Supported scenarios:
  • Save a card against the customer’s account and reuse it for recurring payments
  • Pay without storing card details
  • Apple Pay and Google Pay
  • Loyalty subscription top-ups
  • A web interface for card management, where one is needed
Capturing a payment does not record the sale. Send the finalized transaction to the Purchase API as well — see Transaction Data.

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API reference

Endpoint documentation: Payment Coordinator.
Last modified on August 12, 2026