/lovable-integrations

Lovable and Sage Pay integration: Step-by-Step Guide 2025

Integrate Lovable with Sage Pay effortlessly. Follow our step-by-step guide to streamline your payment processing and boost business efficiency.

Matt Graham, CEO of Rapid Developers

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How to integrate Lovable with Sage Pay?

To integrate Lovable.dev with Sage Pay (now called Opayo), you connect via its HTTPS-based API endpoints for payment transactions. Lovable acts as the middle layer: it hosts your UI for collecting payment data, securely handles temporary tokens, then calls Opayo’s API server-side using HTTP requests. API credentials from Sage Pay (Vendor name, Encryption password, Integration key, and Integration password) live in Lovable’s project secrets panel — never exposed in client-side code. The actual charge flow runs completely within Lovable using its built-in HTTP blocks or API connector actions.

 

Understand the Basics

 

Sage Pay (Opayo) provides a REST API for secure payments. You’ll use endpoints like /payments to create a transaction. Lovable will:

  • Display a payment form to the user (card number, expiry, CVV).
  • Send that data to Opayo’s API securely — never directly from the browser, always via Lovable's backend logic block.
  • Handle success or error webhooks from Opayo to confirm transactions.

Data flow example: User submits payment form → Lovable sends HTTPS POST to Opayo with credentials from Lovable Secrets → Opayo replies with a transaction ID → Lovable updates UI or DB with payment status.

 

Set Up Credentials in Lovable

 

  • Log in to Sage Pay / Opayo test portal to get Integration Key and Integration Password.
  • In Lovable.dev, open your project → Secrets tab.
  • Add entries:
    • OPAYO\_KEY = your Opayo Integration Key
    • OPAYO\_PASSWORD = your Opayo Integration Password

These secrets are encrypted and accessible only inside server-side blocks in Lovable.

 

Make a Payment Request

 

Below is a simple example of how you’d call the Opayo Payments API from Lovable’s HTTP Request block. Lovable has the ability to define a block that runs on the backend — all sensitive keys stay there.

 

// Example Lovable backend block (runs securely on server side)
// Create a payment request to Sage Pay (Opayo) REST API

const response = await fetch("https://pi-test.sagepay.com/api/v1/payments", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "Authorization": "Basic " + btoa(`${secrets.OPAYO_KEY}:${secrets.OPAYO_PASSWORD}`)
  },
  body: JSON.stringify({
    transactionType: "Payment",
    paymentMethod: {
      card: {
        merchantSessionKey: input.merchantSessionKey, // obtained from Opayo client session
        cardIdentifier: input.cardIdentifier,
      }
    },
    vendorTxCode: `ORDER-${Date.now()}`, // unique reference
    amount: 1000, // amount in smallest currency units, e.g. pence
    currency: "GBP",
    description: "Test charge from Lovable integration"
  })
});

const data = await response.json();
return data;

 

Handle Payment Webhooks

 

Opayo sends asynchronous notifications when transaction status changes. In Lovable:

  • Create a new Webhook Endpoint endpoint, set to POST.
  • Configure the URL in Opayo’s test account notifications panel.
  • Inside your Lovable webhook logic, verify Opayo’s signature or response code, then update UI or send confirmation message.

 

// Lovable webhook handler for Opayo
// Receives JSON payload with transaction details

const { status, transactionId } = input.body;
if (status === "Ok") {
  // Update your database / UI
  return { success: true, message: "Payment successful", transactionId };
} else {
  return { success: false, message: "Payment failed", status };
}

 

Where Things Run

 

  • In Lovable: UI for payment form, backend logic calling Opayo API, webhook handler, and secret storage.
  • Outside Lovable: Actual Opayo payment processing and card security validation.

Always remember that Lovable never stores raw card data — use Opayo’s client-side key generation flow (Merchant Session Key) for PCI compliance. You can collect card details via Opayo Components or their JavaScript SDK, then pass the resulting identifiers into Lovable's secure backend block.

 

Limits and Practical Notes

 

  • API rate limits on Opayo: typically 60–100 requests/minute per account — handle graceful retries using Lovable's conditional logic if Opayo times out.
  • Never run long-lived loops or polling inside Lovable; instead use a webhook to handle asynchronous updates.
  • Keep timeouts under ~10 seconds per backend call, since Lovable blocks wait synchronously for completion.

If the integration grows complex (refund flows, multi-site management), offload those to a small external Node.js or Python service and call it from Lovable via REST — that keeps your Lovable UI and logic layers lightweight and clear.

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