Card Payments API

You can use the card payment APIs if you want to manage the payment flow from end to end. This means you'll build your own user interfaces and customer experiences end to end.


Card Payments Requirement

If you want to use our card payments API, a PCI DSS compliance certificate is needed.

The card payments usually consists of 1-2 steps:

1. Purchase: this is the payment call you make after collecting the customer's card information. Depending on the configuration tied to the card and your business profile, this call can either be sent to the bank for immediate authorization (and you get a successful or failed response), or if there's an authentication required, you get a relevant response code that tells you whether an OTP has been sent to the customer's phone (T0) or the card requires a 3D secure authentication (S0). You can check the Card Payment API reference.

2. Authorization : this is the call made after the customer has provided the OTP received on their phone to complete the transaction, or has finished authenticating on the 3D secure redirect that has happened. This call validates the customer's authentication, before proceeding to make an authorization call to the issuing bank to process the transaction. You can check the Authenticate OTP reference.

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