Cardcom Payment Gateway

{
  "skill": "cardcom-payment-gateway",
  "version": "2.1.0",
  "updated_at": "2026-05-20",
  "audit_basis": "Phase 3 WebSearch + WebFetch on cardcom.solutions, Israeli VAT sources, and Cardcom support docs",
  "claims": [
    {
      "id": 1,
      "claim": "Cardcom V11 is the current REST API as of 2026; no public V12 exists.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs",
      "where_in_skill": "SKILL.md Overview, references/api-endpoints.md API Version section",
      "confidence": "high"
    },
    {
      "id": 2,
      "claim": "Production base URL is https://secure.cardcom.solutions/api/v11/",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs",
      "where_in_skill": "SKILL.md Step 3, references/api-endpoints.md",
      "confidence": "high"
    },
    {
      "id": 3,
      "claim": "Every V11 endpoint returns ResponseCode (int) and Description (string); ResponseCode == 0 means success.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (OpenAPI response schema)",
      "where_in_skill": "SKILL.md Step 8, Gotchas",
      "confidence": "high"
    },
    {
      "id": 4,
      "claim": "Cardcom supports Bit, PayPal, Apple Pay, and Google Pay as alternative payment methods alongside credit cards.",
      "source": "https://www.cardcom.solutions/ (homepage 'one-stop-shop', 'respects all credit brands including Bit and digital wallets')",
      "where_in_skill": "SKILL.md Alternative Payment Methods table, Example 5",
      "confidence": "high"
    },
    {
      "id": 5,
      "claim": "Bit payments are returned as a separate UrlToBit field on CreateLowProfileResponse.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (CreateLowProfileResponse schema)",
      "where_in_skill": "SKILL.md Step 3a, references/api-endpoints.md",
      "confidence": "high"
    },
    {
      "id": 6,
      "claim": "PayPal is returned as a separate UrlToPayPal field on CreateLowProfileResponse.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (CreateLowProfileResponse schema)",
      "where_in_skill": "SKILL.md Step 3a, references/api-endpoints.md",
      "confidence": "high"
    },
    {
      "id": 7,
      "claim": "Apple Pay and Google Pay are rendered as wallet buttons inside the hosted Low Profile page itself once enabled on the terminal; no separate URL field exists in the API response.",
      "source": "Inference: cardcom.solutions confirms wallet support; CreateLowProfileResponse schema in V11 docs exposes only UrlToBit and UrlToPayPal as alternative-method URL fields.",
      "where_in_skill": "SKILL.md Alternative Payment Methods table, Gotchas",
      "confidence": "medium"
    },
    {
      "id": 8,
      "claim": "DocumentTypeToCreate is a string enum (e.g. 'TaxInvoiceAndReceipt'), not an integer code. Integer codes belong to legacy .aspx interfaces.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (DocumentToCreate enum)",
      "where_in_skill": "SKILL.md Step 4, Gotchas",
      "confidence": "high"
    },
    {
      "id": 9,
      "claim": "V11 Document object field spellings: Languge (missing second 'a'), ISOCoinID/ISOCoinId, IsSendByEmail, TaxId.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (Document schema)",
      "where_in_skill": "SKILL.md Step 4, Gotchas, references/document-types.md",
      "confidence": "high"
    },
    {
      "id": 10,
      "claim": "ApiPassword is required for Documents/CreateDocument and Transactions/RefundByTransactionId, but not for normal LowProfile/Create or Transaction charges.",
      "source": "https://secure.cardcom.solutions/Api/v11/Docs (per-endpoint required-fields lists)",
      "where_in_skill": "SKILL.md Step 2, Step 6, Gotchas",
      "confidence": "high"
    },
    {
      "id": 11,
      "claim": "Israeli VAT rate is 18% as of 2026 (raised from 17% in January 2025; the 2026 budget proposal to raise to 19% was rejected).",
      "source": "https://www.vatcalc.com/v