Kaptl — Integrations Knowledge Base

Combined, searchable reference for the three payment / lending integrations. Each vendor has an Overview, Authentication, an interactive API, and a reference.

Use the search bar (top right) for full-text search across every vendor, or the top navigation.

Vendors at a glance

Vendor	What it's for	Auth model	Spec
IRIS (IrisPay)	PSD2 Open Banking — account information (AIS) + payment initiation (PIS), pay-by-link, bulk payments	Layered hash headers + user tokens; JWKS	Official OpenAPI V6 (101 endpoints)
EasyPay / ePay.bg	Card / account / cash (EasyPay office) / ATM payments; recurring Billing for utilities	Per-merchant CIN/SECRET + HMAC-SHA1	Authored from kb.epay.bg
TurnKey Lender	Loan origination / servicing platform; full Public API + integrations	tkLender_ApiKey + tkLender_UserAuthToken	OpenAPI v7.12 (100 endpoints)

Sandbox access checklist

IRIS · IrisPay

developer.sandbox.irispay.bg

1. Request sandbox agent credentials from IRIS Solutions.
2. Confirm the Authorization header format & token TTL.
3. Get test IBANs / sandbox users provisioned.

Layered hash headers + user tokens · Authentication →

EasyPay · ePay.bg

demo.epay.bg

1. Register a legal entity at epay.bg.
2. Submit the merchant request and sign the contract.
3. Obtain your CIN / 64-char SECRET.
4. Confirm whether demo reuses production credentials.

CIN/SECRET + HMAC-SHA1 · Authentication →

TurnKey Lender

{tenant}.turnkey-lender.com/PublicApi/v7-12

1. Get admin access to the staging tenant.
2. Generate scoped API-client keys (System › Security).
3. Confirm the API host & tkLender_ApiKey header.

API key + user auth token · Authentication →

See each vendor's Authentication page for full detail and the [confirm on onboarding] items.