S2S Payment using Card Token

Charge a previously saved card by sending cardToken instead of the full PAN.

Get cardToken from Get Saved Card Tokens. Still send secret (CVV). customerToken is required for this flow. To send both tokens explicitly with saveCard, see S2S Payment with Card Token and Customer Token.

Endpoint Information

Name: S2S Payment using Card 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

{
    "reference": "test26080001",
    "customerToken": "{{customerToken}}",
    "currency": "USD",
    "amount": "100.00",
    "ttl": 5,
    "tagName": "Tag",
    "webhookUrl": "https://example.test",
    "merchantAccountId": "{{merchantAccountId}}",
    "cardToken": "{{cardToken}}",
    "secret": "123",
    "customerBrowserUserAgent": "Mozilla 52.0",
    "customerIP": "127.0.0.1"
}

Do not send card, expiryDate, or cardName when paying with cardToken.

Key Parameters

Parameter	Type	Required	Description
reference	string	Yes	Unique payment reference (10+ characters, no special characters)
customerToken	string	Yes	Customer token associated with the saved card
cardToken	string	Yes	Saved card token from Get Saved Card Tokens
secret	string	Yes	CVV/CVC
currency	string	Yes	ISO 4217 currency code
amount	string	Yes	Transaction amount
merchantAccountId	string	Yes	Your merchant account ID
customerBrowserUserAgent	string	Yes	Browser user agent (used for 3DS)
customerIP	string	Yes	Customer IP address (used for 3DS)
ttl	number	No	Time to live in minutes
tagName	string	No	Optional tag for the payment
webhookUrl	string	No	URL for payment status notifications

Response

Success Response (3DS redirect)

When 3DS is required, redirect the customer to redirect_to.

{
  "success": true,
  "message": "Payment Request Processing",
  "data": {
      "success": true,
      "reference": "6be4b237-ca3f-47c2-890b-411b7a54e121",
      "reference_id": "6be4b237-ca3f-47c2-890b-411b7a54e121",
      "container_type": "redirect",
      "redirect_to": "https://api.sandbox.checkout.com/sessions-interceptor/sid_rl64ulqb5v6ytnjorexz55rwfm",
      "errors": []
  }
}

Response Fields

Field	Type	Description
data.reference	string	Payment reference
data.reference_id	string	Internal reference ID
data.container_type	string	redirect when 3DS is required
data.redirect_to	string	3DS / session URL. Redirect the customer here when not null