Introduction

Aera Online Payments

Aera Online Payments empowers merchants with a flexible, secure, and scalable way to accept payments and manage the full transaction lifecycle — from checkout through authorization, settlement, and reconciliation.

Built on a modern platform trusted by leading Nordic and European brands, Aera’s solution is designed to help businesses:

• Maximise conversion with optimized checkout flows tailored for digital commerce
• Offer shoppers a familiar and frictionless payment experience across cards, wallets, and alternative methods
• Support both redirect-based Aera Hosted Checkout and embedded checkout form integrations
• Adapt to complex commerce use cases such as split shipments, partial operations, and stored credentials
• Respond to operational challenges with fallback and recovery options

Whether you’re a small eCommerce shop or an enterprise retailer, Aera’s unified API lets you control payment flows, reduce integration complexity, and scale with confidence.
The platform is built with strong authentication, idempotency safety, standardized formats, and compliance at scale — so you can focus on growth, not infrastructure.

flowchart LR
    %% Actors
    M[Merchant<br/>]
    A[Aera<br/>Unified Commerce Platform]
    
    subgraph PP[Payment Providers]
        ACQ[Acquirers]
        APM[Alternative Payment Methods]
        WAL[Wallets / BNPL]
    end

    %% Main integration arrow (spec focus)
    M -->|Online Payment API <br/>Single Integration Point| A

    %% Aera to providers
    A --> ACQ
    A --> APM
    A --> WAL

Built for Unified Commerce

Aera Online Payments is built on the same core platform as Aera’s in-store payment solutions.

If you use both online and in-store products, you benefit from:

• A single transaction processing engine across channels
• Consolidated reporting and reconciliation
• Unified settlement logic
• Consistent payment lifecycle handling
• Shared merchant configuration and payment method enablement
• Cross-channel data insights

This unified foundation enables cross-channel innovation such as:

• Combined online and in-store transaction views
• Consistent customer experiences across touchpoints
• Centralized control of capture and refund operations
• Shared tokenization and stored credential capabilities
• Future-ready omnichannel features

Rather than managing separate payment stacks for ecommerce and physical retail, Aera provides one platform — reducing operational complexity while enabling seamless customer journeys.

This documentation guides you through:

• Configuring authentication and API access
• Creating and managing checkout sessions
• Implementing redirect or embedded flows
• Performing full lifecycle operations
• Handling webhooks and reconciliation
• Following integration best practices