S2S Payment with Card Token and Customer Token

Charge a saved card by sending both cardToken and customerToken on the same Server-to-Server request.

Use this when you already have the customer token and the saved card token from Get Saved Card Tokens. Unlike S2S Payment using Card Token, this body also sets saveCard and omits a 3DS redirect when the issuer does not require it (redirect_to is null).

Endpoint Information

Name: S2S Payment with Card Token and Customer Token
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

{
    "customerToken": "{{customerToken}}",
    "reference": "{{$guid}}",
    "currency": "USD",
    "amount": "70",
    "webhookUrl": "{{webhookUrl}}",
    "merchantAccountId": "{{merchantAccountId}}",
    "cardToken": "{{cardToken}}",
    "secret": "123",
    "saveCard": true,
    "customerBrowserUserAgent": "Mozilla 52.0",
    "customerIP": "127.0.0.1"
}

Key Parameters

Parameter	Type	Required	Description
customerToken	string	Yes	Customer token
cardToken	string	Yes	Saved card token
reference	string	Yes	Unique payment reference
currency	string	Yes	ISO 4217 currency code
amount	string	Yes	Transaction amount
merchantAccountId	string	Yes	Your merchant account ID
secret	string	Yes	CVV/CVC
saveCard	boolean	No	Set to true to keep / refresh the saved card
customerBrowserUserAgent	string	Yes	Browser user agent (used for 3DS)
customerIP	string	Yes	Customer IP address (used for 3DS)
webhookUrl	string	No	URL for payment status notifications

Response

Success Response

When 3DS is not required, redirect_to is null and the payment can complete without a customer redirect.

{
    "success": true,
    "message": "Payment Request Processed",
    "data": {
        "success": true,
        "reference": "d6da28b2-9eb8-43f7-bd4a-049971ebbcca",
        "container_type": "redirect",
        "redirect_to": null,
        "errors": []
    }
}

Response Fields

Field	Type	Description
data.reference	string	Payment reference
data.container_type	string	Container type for the next customer action
data.redirect_to	string | null	3DS URL when required; null when no redirect is needed

To delete a stored card, use Remove Saved Card.