Collect APIs

Direct card charge allows you to charge both local cards (issued in your country of operation) and international cards. This is useful if your customers are predominantly credit/debit card users, and you'd prefer for them to manage payments via your app.

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Compliance required

Using direct card charge involves handling some very sensitive customer data, so a PCI DSS compliance certificate is required. When you've got one, contact your Relationship Manager to enable this feature on your account.

Payment flow

Card charge involves three main steps:

1. Create Order: You send the transaction details and the customer's payment details to the charge card endpoint.

JavaScript

const axios = require('axios');
let data = JSON.stringify({
  "customer": {
    "firstname": "transact",
    "lastname": "pay",
    "mobile": "[phone]",
    "country": "NG",
    "email": "[email protected]"
  },
  "order": {
    "amount": 100,
    "reference": "",
    "description": "Pay",
    "currency": "NGN"
  },
  "payment": {
    "RedirectUrl": "https://www.hi.com"
  }
});

let config = {
  method: 'post',
  maxBodyLength: Infinity,
  url: 'https://payment-api-service.transactpay.ai/payment/order/create',
  headers: { 
    'api-key': 'PGW-PUBLICKEY-TEST-26795CB9393A4AF8BA931E8DA967FF3E', 
    'Content-Type': 'application/json'
  },
  data : data
};

axios.request(config)
.then((response) => {
  console.log(JSON.stringify(response.data));
})
.catch((error) => {
  console.log(error);
});

2. Pay Order: We tell you the details needed to authorise the charge, you get those from the customer, and you send to the same charge card endpoint.

JavaScript

const axios = require('axios');
let data = JSON.stringify({
  "reference": "",
  "paymentoption": "C",
  "country": "NG",
  "card": {
    "cardnumber": "5123450000784608",
    "expirymonth": "01",
    "expiryyear": "39",
    "cvv": "193"
  }
});

let config = {
  method: 'post',
  maxBodyLength: Infinity,
  url: 'https://payment-api-service.transactpay.ai/payment/order/pay',
  headers: { 
    'api-key': 'PGW-PUBLICKEY-TEST-26795CB9393A4AF8BA931E8DA967FF3E', 
    'Content-Type': 'application/json'
  },
  data : data
};

axios.request(config)
.then((response) => {
  console.log(JSON.stringify(response.data));
})
.catch((error) => {
  console.log(error);
});

3. Verify Order: As a failsafe, you'll call our API to verify that the payment was successful before giving value (the verify transaction endpoint).

const axios = require('axios');
let data = JSON.stringify({
  "reference": ""
});

let config = {
  method: 'post',
  maxBodyLength: Infinity,
  url: 'https://payment-api-service.transactpay.ai/payment/order/verifyt',
  headers: { 
    'api-key': 'PGW-PUBLICKEY-TEST-26795CB9393A4AF8BA931E8DA967FF3E', 
    'Content-Type': 'application/json'
  },
  data : data
};

axios.request(config)
.then((response) => {
  console.log(JSON.stringify(response.data));
})
.catch((error) => {
  console.log(error);
});