Quick Comparison
| Capability | Payments Library | REST API |
|---|---|---|
| Integration method | npm package | Direct HTTP calls |
| Card collection | We handle it | You handle it |
| PCI compliance | Out of scope | Your responsibility |
| UI control | Pre-built components | Full customization |
| 3D Secure | Built-in | Manual implementation |
| Digital wallets | Native support | API integration required |
| Deployment speed | Rapid | Custom development |
Choose Library if you:
- Want the fastest path to accepting payments
- Prefer to stay out of PCI scope
- Need Google Pay, Apple Pay, or bank transfers quickly
- Want battle-tested payment UX
- Don’t want to build payment UI from scratch
Choose REST API if you:
- Have existing payment flows you want to enhance
- Need pixel-perfect UI control
- Already handle PCI compliance
- Use third-party tokenization providers
- Prefer backend-only integration