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Accept a payment

Technical Author Note

Draft content to be reviewed and verified.

Use a sale to charge a card and settle the funds in a single step.

A sale is the standard flow for a one-time payment. The card is charged and the funds are settled in the same request, with no separate capture step. Use it whenever the final amount is known at the time of payment and won't need adjusting afterwards.

If you need to reserve funds now and settle a possibly different amount later, use Authorise a payment instead. To return funds from a completed sale, use Refund a payment.

How it works​

  1. Authenticate — attach your Bearer token and Integrator ID to the request headers.
  2. Place card details inside sender.custom_data: PAN, expiry month, expiry year, and holder name. CVC is submitted separately at root custom_data.authentication.cvc.
  3. Set intent: transfer, channel: ecommerce, and routing.payment_flow: credit_card.
  4. Send a card payment with intent: transfer; the gateway debits the cardholder immediately. A successful sale returns status: pending (accepted and queued for the network) and an id — save it as your payment_id.

Key rules​

note
  • intent: transfer debits funds immediately — there is no separate capture step.
  • sender holds the card; receiver holds the configuration_id.
Request body
{
  "amount": 1000,
  "currency": "EUR",
  "sender": {
    "type": "credit_card",
    "custom_data": {
      "pan": "4000000000000000",
      "expiry_month": "12",
      "expiry_year": "2030",
      "holder_name": "NAME NAME"
    }
  },
  "receiver": {
    "configuration_id": "idid+001"
  },
  "routing": {
    "payment_flow": "credit_card"
  },
  "intent": "transfer",
  "channel": "ecommerce",
  "custom_data": {
    "authentication": {
      "cvc": "123"
    }
  }
}
Try it

Call this flow directly in the API Reference.

  • POST Create Direct payment