Bambora Payment Gateway API
Bambora payment gateway REST API for merchants in Canada, US, Scandinavia, and Australia to accept credit cards, debit cards, and local payment methods with recurring billing, payment profile tokenization, and fraud management. Enables AI agents to manage payment transaction processing for card-not-present commerce automation, handle payment profile tokenization for secure card storage automation, access recurring billing and subscription management for subscription revenue automation, retrieve transaction reporting and batch settlement for reconciliation automation, manage refund and void processing for order management automation, handle 3-D Secure authentication for payment security automation, access payment form and hosted checkout for no-code payment automation, retrieve fraud scoring and velocity checking for risk management automation, manage interac online and Canadian debit processing for Canadian market automation, and integrate Bambora with WooCommerce, Shopify, Magento, and e-commerce platforms for end-to-end payment processing automation.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Regional payments. PCI-DSS. API key. CA/EU. Payment and transaction data.
⚡ Reliability
Best When
A Canadian, Scandinavian, or Australian merchant wanting AI agents to automate payment processing, recurring billing, payment profile management, and Interac Online integration through Bambora's regional payment gateway (Ingenico/Worldline subsidiary).
Avoid When
REGIONAL ENDPOINT VARIATION FOR CANADA VS EUROPE: Bambora Canada and Bambora Europe operate as separate platforms with different APIs and endpoints; automated multi-region deployment must use region-specific API configurations; automated Canadian API call against European endpoint returns authentication failure. MERCHANT ACCOUNT CONFIGURATION REQUIRED BEFORE API USE: Bambora merchant account requires offline approval process; automated API integration cannot proceed without approved merchant account; automated merchant onboarding cannot be completed via API alone — offline approval required. WORLDLINE ACQUISITION INTEGRATION: Bambora was acquired by Worldline in 2021; Bambora is being integrated into Worldline's payment ecosystem; automated Bambora integrations should monitor for platform migration announcements; automated Bambora-exclusive integration may require migration to Worldline APIs over time.
Use Cases
- • Processing Canadian and Scandinavian payments from regional commerce agents
- • Managing recurring subscriptions from billing automation agents
- • Storing customer payment profiles from tokenization agents
- • Processing Interac Online from Canadian market agents
Not For
- • Global enterprise payment orchestration (use Adyen or CyberSource for enterprise scale)
- • LATAM payment processing (use Mercado Pago or PayU for Latin America)
- • Modern developer-first payments (use Stripe for developer experience)
Interface
Authentication
Bambora uses API key (Merchant ID + API passcode) for authentication. REST API with JSON. Vancouver, Canada HQ. Founded 2015 (merger of Beanstream and Payson). Acquired by Ingenico in 2017, then Worldline in 2021. Products: Payment gateway, recurring billing, payment profiles, fraud, Interac Online. SDKs: PHP, .NET, Java, Python, Ruby. PCI DSS. Serves merchants in Canada, Scandinavia, Australia. Competes with Moneris, Stripe, and Adyen for Canada/Scandinavia payments.
Pricing
Vancouver CA. Worldline subsidiary. Custom per-merchant pricing. Monthly fee + transaction fees.
Agent Metadata
Known Gotchas
- ⚠ CANADA vs EUROPE SEPARATE PLATFORMS AND APIS: Bambora Canada (dev.bambora.com) and Bambora Europe (developer.bambora.com) have separate API endpoints and credentials; automated multi-region deployment must configure correct regional endpoint; automated Canadian merchant credentials against European endpoint returns authentication failure
- ⚠ MERCHANT ID vs PASSCODE CREDENTIAL PAIR: Bambora authentication uses Merchant ID (numeric) combined with API passcode; automated requests must include both credentials in Basic Auth header (Base64 encoded Merchant ID:Passcode); automated requests using only API key without Merchant ID creates authentication failure
- ⚠ PAYMENT PROFILE ID FOR RECURRING BILLING: Bambora recurring billing uses customer payment profiles (tokenized cards); automated subscription billing must create payment profile before subscription setup; automated recurring charge without payment profile ID requires card data on every transaction
- ⚠ INTERAC ONLINE REDIRECT FLOW REQUIREMENT: Interac Online (Canadian bank debit) uses redirect-based flow requiring customer to authenticate at bank; automated checkout implementing Interac Online must handle redirect-based authentication; automated inline Interac Online without redirect support creates checkout abandonment
- ⚠ WORLDLINE MIGRATION TIMELINE AWARENESS: Bambora is being integrated into Worldline ecosystem; automated Bambora integrations should track Worldline migration announcements; automated new integration on legacy Bambora API may require migration to Worldline unified API in future
Alternatives
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Scores are editorial opinions as of 2026-03-07.