Tokenize Charge

Use the Tokenize Charge API to process a transaction using a saved card token. This enables secure and seamless repeat payments for returning customers without collecting card details again.

👍 Good to Know

To initiate a tokenize charge:

Include your secret API key in the api-key header
Ensure the cardToken is obtained from the Save Card API

🛠️ Endpoint Details

Method	URL
`POST`	`https://payment-api-service.transactpay.ai/payment/tokenize/charge`

Headers

api-key: YOUR_SECRET_API_KEY
Content-Type: application/json

📦 Sample Payload

{
  "customer": {
    "firstname": "ideos",
    "lastname": "pay",
    "mobile": "+23481582333444",
    "country": "NG",
    "email": "[email protected]"
  },
  "order": {
    "amount": 2,
    "reference": "{{reference}}",
    "description": "Pay",
    "currency": "NGN"
  },
  "payment": {
    "RedirectUrl": "https://www.hi.com"
  },
  "authorization": {
    "cardToken": "TKNMDU4MzU4NzUwNTk0Mjg5NzQwMzgwNDA0NzQ1ODkz2173"
  }
}

📌 Important Notes

⚠️
Security Tip
Never expose your secret API key in frontend or public code repositories.

🧾
Reference Best Practice
Always generate a uniquereference per transaction to prevent duplicates and ensure proper tracking.

✅ Next Steps

Get the card token using the Save Card API
Initiate the charge using the token via this API
Verify the result using the Verify Order API

{
    "customer": {
        "firstname": "ideos",
        "lastname": "pay",
        "mobile": "+23481582333444",
        "country": "NG",
        "email": "[email protected]"
    },
    "order": {
        "amount": 2,
        "reference": "{{reference}}",
        "description": "Pay",
        "currency": "NGN"
    },
    "payment": {
        "RedirectUrl": "https://www.hi.com"
    },
    "authorization": {
        "cardToken": "TKNMDU4MzU4NzUwNTk0Mjg5NzQwMzgwNDA0NzQ1ODkz2173"
    }
}