Credit Cards

In order to process Credit Card payments with our API, you will have to create a payment, authorization or card registration using Create a payout or Create an authorization or Create a registration endpoints.

You can not pass credit card numbers directly to us (also not suggested as you need to be PCI certified), but can redirect the user in the provided redirect URL link which you will see in the responses.

Once the user is redirected to our payment page, they will proceed with the transaction and returned to your provided success or error URLs depending on the outcome of the transaction.

You can also render our payment page in an i-frame by passing frame_origin, which will represent your host such ashttps://payments.yourwebsite.com and won't have to redirect to our page.

You will also receive updates on the transactions to your given postback_url in case of a state change.

Once the customer is returned back to your website, you will have the transaction ID attached to the URL with the outcome(status). However, we suggest to not depend on the URL and outcome through URL params, but also verify the final status of the transaction using Get a payment endpoint, which will retrieve the latest status for a given transaction.

Suggestion above is to eliminate fraud, where customer can manipulate the redirect URL manually.

Test data depending on the market and acquirer can be found at Credit Cards section.

Additional data collection requirements based on market

EU with Deutsche Bank acquiring

Passing address data is suggested but not required. Country must always be passed. Currencies will depend on what's configured during your on-boarding with the acquirer.

When the card's billing address is US, state information is mandatory.

EU other

Passing address data is suggested but not required. Country must always be passed. Currencies will depend on what's configured during your on-boarding with the acquirer.

Brazil

Full address data, including phone and e-mail should be passed for successful transactions. These fields are optional but passing will reduce the decline rate.

Only accepted currency for Brazilian market is BRL.

Refunds in Brazil through PIX

Due to acquiring regulations, refunds for Credit Card transactions processed in Brazil, only have short allowance period of 2 days. This means that we can not refund transactions older than 2 days back to the same card.

Due to this limitation, we suggest to process refunds for your transactions through PIX.

For this, in your refund request to Create a refund API, you will have to pass in:

{
  "pix_key": "yourcustomerspixkey",
  "pix_key_type": "EMAIL|PHONE|etc..."
}

You can find available PIX key types at List of PIX key types.