Direct Card Payment

Process a credit card payment via Server-to-Server API.

Endpoint Information

Name: Make Direct Server to Server Payments
Method: POST
URL: {{base_url}}/api/v1/payment/process-transaction

Authentication

Type: Basic Auth

• Username: App Key
• Password: Secret Key

Request Body

Content-Type: application/json

{
  "firstName": "John",
  "lastName": "Doe",
  "reference": "DuqXNBv0Q",
  "email": "[email protected]",
  "dob": "1990-01-01",
  "contactNumber": "+12345678",
  "address": "SE",
  "country": "Sweden",
  "city": "N/A",
  "zipCode": "1212",
  "currency": "USD",
  "amount": "55.00",
  "ttl": 5,
  "merchantAccountId": "{{your_account_no}}",
  "card": "{{test_card}}",
  "secret": "123",
  "expiry_date": "06/24",
  "card_name": "MD X",
  "customerBrowserUserAgent": "Mozilla 52.0",
  "customerIP": "1.1.1.1"
}

Key Parameters

Parameter	Type	Required	Description
card	string	Yes	The 16-digit card number
secret	string	Yes	CVC/CVV code
expiry_date	string	Yes	Expiration date (MM/YY)
customerIP	string	Yes	Customer's IP address (crucial for 3DS)
customerBrowserUserAgent	string	Yes	Browser User Agent (crucial for 3DS)

Response

Success Response

{
  "success": true,
  "message": "Payment Request Processed",
  "data": {
    "success": true,
    "reference_id": "11-DuqXNBv0Q2",
    "redirect_to": null
  }
}

3DS Redirect Response

If the card requires 3D Secure, you will get a redirect_to URL.

{
  "success": true,
  "message": "Payment Request Failed",
  "data": {
    "success": true,
    "reference_id": "11-DuqXNBv0Q",
    "redirect_to": "https://staging.centralisera.com/three_d/acs/redirect?payment_id=11-DuqXNBv0Q"
  }
}