P2P Transfers

The functionality of P2P transfers allows you to transfer funds from one card to another.

Technically, on the side of payment systems, the transfer scheme is implemented in two stages.

Stage 1: charging funds from the source card.
Stage 2: crediting the receiver card.

The transfer interface offered by PayCross allows you to implement this functionality in one step by executing the P2P operation.

When making a transfer from the payer (the cardholder of a source card) will be charged a commission, which is stated in your contract for P2P transfer. Thus, for the P2P operation the amount field stands for the amount to be credited to the receiver card. The commission for the P2P transfer is deducted from the source card.

Info

Refund operation is not possible for P2P transfers.

Requirements

When making a transfer from card to card, the following requirements established by the international payment system must be met:

Mandatory verification of the source card using 3-D Secure authentication mechanism.
Mandatory input of CVV2/CVC2 code for the source card.
PCI DSS certification is required to process non-encrypted card data.

Info

For quick launch of the P2P transfer service, you can use the PayCross hosted page for P2P operations.

Place https://panel.pay-cross.com/p2p/?public_key=:SHOP_PUBLIC_KEY, where public_key is your shop public key, on your resources and start your own P2P transfers service.

Checking the capability of the P2P transfer

To test the capability of the P2P transfer between the source card and the receiver card and to obtain information about the commission and additionally requested data about the source card or the receiving card, you should send one of the POST requests:

Authorization by the secret key

All requests use HTTP Basic authentication with Shop ID and Secret Key.

https://gateway.pay-cross.com/p2p-restrictions

Authorization by the public key

Authorization by the public key in synchronous mode

All requests are performed with Bearer authorization by the public key and mandatory transfer of the header X-Api-Version:2.

https://panel.pay-cross.com/ctp/api/verify-p2p

Authorization by the public key in asynchronous mode

In authorization in synchronous mode, the request is sent and response with all parameters is received.

In authorization in asynchronous mode, need to send a request (parameters as same as for synchronous request) to an asynchronous URL and receive a response with task status new and job_id.

All requests are performed with Bearer authorization by the public key and mandatory transfer of the header X-Api-Version:2.

URL for processing requests in asynchronous mode

https://panel.pay-cross.com/ctp/api/async/verify-p2p

Example of the response with task status new and job_id

{
    "status": "new",
    "job_id": "62c5b51a1d69bde6e5afaa70"
}

Get asynchronous task status

To get a task status, send a GET request with job_id to https://panel.pay-cross.com/ctp/api/async/jobs/job_id, where job_id has 62c5b51a1d69bde6e5afaa70 format.

Example of the response for the task with new status

{
    "status": "new",
    "job_id": "62c5b51a1d69bde6e5afaa70"
}

Example of the response for the task with failed status

{
    "job_id": "62c5b51a1d69bde6e5afaa70",
    "status": "failed",
    "response": {
        "status": "error",
        "errors": [
            "error"
        ],
        "message": "Request processing error. Please try again later",
        "finished": false
    }
}

Example of the response for the task with done status

{
    "status": "done",
    "job_id": "62c5b51a1d69bde6e5afaa70",
    "response": {
    //Standard response parameters
    }
}

Request

Parameter	Type	Description
request	object
amount * required	integer	The amount of the transfer, which should be credited to the receiver card, in the minimal currency units. For example, 32.45 USD should be sent as `3245`.
currency * required	string	The currency of the transfer in ISO-4217 format, for example `USD`.
credit_card	object	If required, you can use the client side encryption.
number * required	string	The source card number.
exp_month * conditionally required	string (2)	The expiration month of the sender's card. Must be one or two digits (for example, 01).
exp_year * conditionally required	string (4)	The expiration year of the sender's card. Must be 4 digits (for example, 2026).
holder * conditionally required	string (35)	The cardholder name as it appears on the card. The parameter is optional in the PayCross system but can be required by the acquirer.
verification_value * conditionally required	string	3- or 4-digit security code (called CVC2, CVV2 or CID depending on the credit card brand).
token * conditionally required	string	The source card token instead of the source card number.
recipient_card	object	If required, you can use the client side encryption.
number * required	string	The receiver card number.
exp_month * conditionally required	string (2)	The expiration month of the recipient's card. Must be one or two digits (for example, 01).
exp_year * conditionally required	string (4)	The expiration year of the recipient's card. Must be 4 digits (for example, 2026).
holder * conditionally required	string (35)	The cardholder name as it appears on the recipient's card. The parameter is optional in the PayCross system but can be required by the acquirer.
token * conditionally required	string	the receiver card token instead of the receiver card number.
test	boolean	`true` - testing the capability of the P2P transfer between test cards.
additional_data	object	A section with additional data.
p2p	object	The section with additional transfer data.
type * conditionally required	string(3)	The transfer operation type in the alphanumeric format, issued by the processing center. Contact the Tech Support Team to check if you should submit this parameter.

Example of the JSON-request

{
"request": {
    "amount": 100,
    "currency": "USD",
    "credit_card": {
      "number": "4012001037141112"
    },
    "recipient_card": {
      "number": "4200000000000000"
    },
    "test": true
  }
}

Response

Transfer is possible

Parameter	Type	Description
status * required	string	`successful`
message * required	string	The message from the bank system.
commission	object
minimum * required	float	The minimal commission amount, that will be charged from the source card.
percent * required	float	The percentage of commission, that will be charged from the source card.
bank_fee * required	float	The absolute commission value, calculated by bank processing.
currency * required	string	the currency of the commission in ISO-4217 format, for example `USD`.
test	boolean	`true` - testing the capability of the P2P transfer between test cards.

Example of the JSON-response

{
  "status": "successful",
  "message": "p2p is allowed",
  "commission": {
      "minimum": 0.7,
      "percent": 1.5,
      "bank_fee": 7.35,
      "currency": "USD"
  }
}

Transfer is not possible

Parameter	Type	Description
status * required	string	`failed`
message * required	string	The message from the bank system.
required_fields	object	If this section is returned, commission is not calculated.
credit_card	array	The parameters array, that should be requested about the source card. Possible array elements: `holder`, `verification_value`, `exp_month`, `exp_year`.
recipient_card	array	The parameters array, that should be requested about the receiver card. Possible array elements: `holder`, `exp_month`, `exp_year`.

Example of the JSON-response

{
  "status": "failed",
  "message": "Missed credit card fields: holder.Missed recipient card fields: holder.",
  "required_fields": {
      "credit_card": [
      "holder"
      ],
      "recipient_card": [
      "holder"
      ]
  }
}

Error

Parameter	Type	Description
error_code * required	string	Error code.
message * required	string	The error text description.
errors * required	object	The parameters with errors.

Example of the JSON-response

{
"error_code": "invalid_params",
"message": "Unprocessable entity",
"errors": {
    "amount": [
    "must be an integer"
    ],
    "currency": [
    "is unknown ISO 4217 Alpha-3 code"
    ],
    "credit_card": {
    "number": [
        "is not a card number"
    ]
    },
    "recipient_card": {
    "number": [
        "is not a card number"
    ]
    }
}
}

Executing the P2P transfer

To make a P2P transfer via the PayCross API, you need to send one of the POST requests:

Authorization by the secret key

All requests use HTTP Basic authentication with Shop ID and Secret Key.

https://gateway.pay-cross.com/transactions/p2ps

Authorization by the public key

Authorization by the public key in synchronous mode

All requests are performed with Bearer authorization by the public key and mandatory transfer of the header X-Api-Version:2.

https://panel.pay-cross.com/ctp/api/p2p

Authorization by the public key in asynchronous mode

In authorization in synchronous mode, the request is sent and response with all parameters is received.

In authorization in asynchronous mode, need to send a request (parameters as same as for synchronous request) to an asynchronous URL and receive a response with task status new and job_id.

All requests are performed with Bearer authorization by the public key and mandatory transfer of the header X-Api-Version:2.

URL for processing requests in asynchronous mode

https://panel.pay-cross.com/ctp/api/async/p2p

Example of the response with task status new and job_id

{
    "status": "new",
    "job_id": "62c5b51a1d69bde6e5afaa70"
}

Getting asynchronous task status

To get a task status, send a GET request with job_id to https://panel.pay-cross.com/ctp/api/async/jobs/job_id, where job_id has 62c5b51a1d69bde6e5afaa70 format.

Responses for task statuses (new, failed, done) as same as described in the chapter Getting asynchronous task status.

Request

Parameter	Type	Description
request	object
amount * required	integer	The amount of the transfer, which should be credited to the receiver card, in the minimal currency units. For example, 32.45 USD should be sent as `3245`.
currency * required	string	The currency of the transfer in ISO-4217 format, for example `USD`.
description * required	string	Transfer description.
expired_at	string	The time in ISO 8601 format `YYYY-MM-DDThh:mm:ssTZD` until which the transfer should be confirmed.
tracking_id * required	string	The transfer `id` in your system. Use a unique value to get the relevant transaction information, when you send a status query. Otherwise, you will receive the first transaction found by the `tracking_id`. Can be multiple values separated with semicolons. For example, `"cbe59142-90af-4aea-b5a5-5bf3f66cf3da;f7883cb9-0e26-43a7-beb7-4027cb55d1a6;4a6a89d5-6950-400f"`. If multiple values are sent in the request, the transaction search in the back office system can be performed by any of them.
duplicate_check	boolean	`true` or `false`. The parameter controls the process of checking the incoming request for uniqueness. If during the 30 seconds a payment requests with the same `amount` and `number` or `token` are received, the request will be rejected. By default, this parameter has `true` value.
language	string	Language of your checkout page. If the parameter is set and transaction notification emails to customers are enabled, PayCross will dispatch those emails in `language` locale. English (`en`) is set by default. Possible values of `language` parameter.
notification_url	string	The URL where notifications about a transaction will be posted to. The notification request format equals to the transaction response format.
return_url	string	URL on the Merchant's side where PayCross will send Customer's browser when Customer returns from 3-D Secure verification.
test	boolean	`true` - testing the capability of the P2P transfer between test cards.
credit_card	object	If required, you can use the client side encryption.
number * required	string	The source card number.
verification_value * required	string	3- or 4-digit security code (called CVC2, CVV2 or CID depending on the credit card brand). It can be sent along with `token` parameter and in this case, PayCross will submit to acquiring bank card details with the given CVC2/CVV2/CID.
exp_month * conditionally required	string (2)	The expiration month of the sender's card. Must be one or two digits (for example, 01).
exp_year * conditionally required	string (4)	The expiration year of the sender's card. Must be 4 digits (for example, 2026).
holder * conditionally required	string (35)	The cardholder name as it appears on the card. The parameter is optional in the PayCross system but can be required by the acquirer.
token * conditionally required	string	Instead of the above 5 parameters, you can send the source card token that you are received in response to the first transfer.
recipient_card	object	If required, you can use the client side encryption.
number * required	string	Receiving card number.
exp_month * conditionally required	string (2)	The expiration month of the recipient's card. Must be one or two digits (for example, 01).
exp_year * conditionally required	string (4)	The expiration year of the recipient's card. Must be 4 digits (for example, 2026).
holder * conditionally required	string (35)	The cardholder name as it appears on the recipient's card. The parameter is optional in the PayCross system but can be required by the acquirer.
token * conditionally required	string	instead of the above 5 parameters, you can send the recipient card token that you are received in response to the first transfer.
additional_data	object	The section with additional data.
receipt_text	array	Text, that will be added to the client's mail. Submit it as an array of strings, for example `["First line", "Second line"]`.
contract	array	An array, consisting of elements: `oneclick` - PayCross returns a card token to use it in the oneclick payment scheme. It means PayCross will open a payment page with pre-filled card data and customer will be forced to enter CVC/CVV code and pass 3-D Secure verification to complete payment.
p2p	object	A section with additional transfer data.
type	string	The transfer operation type in the alphanumeric format the length is 3 characters, issued by the processing center.
customer * conditionally required	object	A section of the customer information. Contact Tech Support Team to inquire if your acquirer requires any of the section parameters.
ip	string	The IP address of the sender of the transfer.
email	string	The email of the sender of the transfer.
device_id	string	The device ID of the sender of the transfer.
sender_billing_address	object
first_name	string	The first name of the sender of the transfer.
last_name	string	The last name of the sender of the transfer.
country	string	The billing country of the sender of the transfer in ISO 3166-1 alpha-2 format.
city	string	The billing city of the sender of the transfer.
state	string	Two-letter billing state of the sender of the transfer only if the billing address country is `US` or `CA`
zip	string	The billing ZIP or postal code of the sender of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	The billing address of the sender of the transfer.
phone	string	The phone number of the sender of the transfer
recipient_billing_address	object
first_name	string	The first name of the recipient of the transfer.
last_name	string	The last name of the recipient of the transfer.
country	string	The billing country of the recipient of the transfer in ISO 3166-1 alpha-2 format.
city	string	The billing city of the recipient of the transfer.
state	string	Two-letter billing state of the recipient of the transfer only if the billing address country is `US` or `CA`.
zip	string	The billing ZIP or postal code of the recipient of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	The billing address of the recipient of the transfer.
phone	string	The phone number of the recipient of the transfer.
billing_address	object	The section `billing_address` has been left to maintain compatibility with the previous API version. If a new integration is developed, use the sections `sender_billing_address` and `recipient_billing_address`.
first_name	string	The first name of the sender of the transfer.
last_name	string	The last name of the sender of the transfer.
country	string	The billing country of the sender of the transfer in ISO 3166-1 alpha-2 format.
city	string	The billing city of the sender of the transfer.
state	string	Two-letter billing state of the sender of the transfer only if the billing address country is `US` or `CA`
zip	string	The billing ZIP or postal code of the sender of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	The billing address of the sender of the transfer.
phone	string	The phone number of the sender of the transfer

Example of the JSON-request

{
    "request": {
          "test": false,
          "amount": 100,
          "currency": "EUR",
          "description": "Test transaction ütf",
          "tracking_id": "tracking_id_000",
          "billing_address": {
          "phone": "123"
        },
          "credit_card": {
          "number": "4012001037141112",
          "verification_value": "123",
          "exp_month": "01",
          "exp_year": "2026",
          "holder": "John Doe"
        },
          "recipient_card": {
          "number": "4200000000000000",
          "holder": "Mary Doe"
        },
          "customer": {
          "ip": "127.0.0.1",
          "device_id": "12312312321fff67",
          "email": "[email protected]"
        },
          "sender_billing_address": {
          "first_name": "John",
          "last_name": "Doe",
          "country": "PL",
          "city": "Warsaw",
          "address": "Gilbert 104"
        },
          "recipient_billing_address": {
          "first_name": "Mary",
          "last_name": "Doe",
          "country": "PL",
          "city": "Warsaw",
          "address": "Gilbert 104"
        }
    }
}

Response

Response parameters replicate request parameters, except for the additional ones:

Parameter	Type	Description
transaction	object
uid * required	string	A UID of the processed transaction.
status * required	string	status of the processed transfer.
amount * required	integer	The amount of the transfer, which should be credited to the receiver card, in the minimal currency units. For example, 32.45 USD should be sent as `3245`.
currency * required	string	The currency of the transfer in ISO-4217 format, for example `USD`.
description * required	string	Transfer description.
type * required	string	`p2p`
payment_method_type * required	string	`credit_card`
tracking_id * required	string	`tracking_id` parameter value from the request.
message * required	string	The request result message.
test * required	boolean	`true` is a test operation.
created_at * required	string	The transfer creation time in ISO 8601 format `YYYY-MM-DDThh:mm:ssTZD`.
updated_at * required	string	The time of the last update of the transfer data in the database in ISO 8601 format `YYYY-MM-DDThh:mm:ssTZD`.
paid_at * required	string	In case of a successfully completed transfer, this is the completion time of the transfer in the database in ISO 8601 format `YYYY-MM-DDThh:mm:ssTZD`.
redirect_url * required	string	A URL of the page to finalize the transaction. If the `status` parameter is set to `incomplete`, redirect the customer to this URL. It runs the 3-D Secure verification of the cardholder.
language * required	string	The value of the `language` parameter from the request or `en`, if the parameter is not transferred in the request.
credit_card	object
holder * required	string	The source card holder name.
stamp * required	string	The source card stamp.
brand * required	string	The source card brand.
last_4 * required	string	The last 4 digits of the source card.
first_1 * required	string	The first digit of the source card
bin * required	string	The source card BIN.
issuer_country * required	string	The source card country.
issuer_name * required	string	The issuing bank of the source card.
product * required	string	The card product type of the source card.
exp_month * required	string	The source card expiration month expressed with two digits (for example, 01).
exp_year * required	string	The source card expiration year expressed with four digits (for example, 2026).
token	string	The source card token, which is returned if the `contract` parameter is transferred in the request.
recipient_card	object
holder * required	string	The recipient card holder name.
stamp * required	string	The recipient card stamp.
brand * required	string	The recipient card brand.
last_4 * required	string	The last 4 digits of the recipient card.
first_1 * required	string	The first digit of the recipient card.
bin * required	string	The recipient card BIN.
issuer_country * required	string	The recipient card country.
issuer_name * required	string	The issuing bank of the recipient card.
product * required	string	The card product type of the recipient card.
exp_month * required	integer	The recipient card expiration month expressed with two digits (for example, 01).
exp_year * required	integer	The recipient card expiration year expressed with four digits (for example, 2026).
token	string	The recipient card token, which is returned if the `contract` parameter is transferred in the request.
verify_p2p	object	The result of checking of the request parameters, that are required to complete the P2P transfer.
status * required	string	status of the checking.
message * required	string	The request result message.
amount * required	integer	The amount of the transfer, which is credited to the receiver card, in the minimal currency units.
currency * required	string	The currency of the transfer in ISO-4217 format, for example `USD`.
bank_fee * required	float	The bank fee amount for P2P transfer.
required_fields * required	object
credit_card	array	The parameters array, that should be requested about source card. Possible array elements: `holder`, `verification_value`, `exp_month`, `exp_year`.
recipient_card	array	The parameters array, that should be additionally requested about source card. Possible array elements: `holder`, `exp_month`, `exp_year`.
p2p	object	P2P transfer data received from the bank.
receipt_url * required	string	The link to the receipt of the processed transaction.
ref_id * required	string	The number of the operation in the bank that made the P2P transfer.
bank_code * required	string	The bank response code.
message * required	string	A message with request result.
amount * required	integer	The amount of the transfer, which is credited to the receiver card, in the minimal currency units.
currency * required	string	The currency of the transfer in ISO-4217 format, for example `USD`.
billing_descriptor * required	string	The text to be displayed on the bank statement of the source card.
gateway_id * required	integer	The internal bank identification number in PayCross system.
status * required	string	The status of the bank transaction.
customer	object	A section of the customer information.
ip * required	string	The IP address of the sender of the transfer.
email * required	string	The email of the sender of the transfer.
device_id * required	string	The device ID of the sender of the transfer.
sender_billing_address	object
first_name * required	string	The first name of the sender of the transfer.
last_name * required	string	The last name of the sender of the transfer.
country * required	string	The billing country of the sender of the transfer in ISO 3166-1 alpha-2 format.
city * required	string	The billing city of the sender of the transfer.
state * required	string	Two-letter billing state of the sender of the transfer only if the billing address country is `US` or `CA`.
zip * required	string	The billing ZIP or postal code of the sender of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address * required	string	The billing address of the sender of the transfer.
phone * required	string	The phone number of the sender of the transfer.
recipient_billing_address	object
first_name * required	string	The first name of the recipient of the transfer.
last_name * required	string	The last name of the recipient of the transfer.
country * required	string	The billing country of the recipient of the transfer in ISO 3166-1 alpha-2 format.
city * required	string	The billing city of the recipient of the transfer.
state * required	string	Two-letter billing state of the recipient of the transfer only if the billing address country is `US` or `CA`.
zip * required	string	The billing ZIP or postal code of the recipient of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address * required	string	The billing address of the recipient of the transfer.
phone * required	string	The phone number of the recipient of the transfer.
additional_data	object	The section with additional transfer data.
receipt_text	array	The text, that will be added to the client's mail. Submit it as an array of strings, for example `["First line", "Second line"]`.

Example of the JSON-response when a P2P transfer requires 3-D Secure verification

{
"transaction": {
    "uid": "1-82cc07d15d",
    "status": "incomplete",
    "amount": 100,
    "currency": "EUR",
    "description": "Test transaction ütf",
    "type": "p2p",
    "payment_method_type": "credit_card",
    "tracking_id": "tracking_id_000",
    "message": null,
    "test": false,
    "created_at": "2021-06-08T09:28:18.073Z",
    "updated_at": "2021-06-08T09:28:20.280Z",
    "paid_at": null,
    "language": "en",
    "redirect_url": "http://127.0.0.1:9887/process/1-82cc07d15d",
    "credit_card": {
        "holder": "John Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "1112",
        "first_1": "4",
        "bin": "401200",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": 1,
        "exp_year": 2026,
        "token_provider": null,
        "token": null
    },
    "recipient_card": {
        "holder": "Mary Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "0000",
        "first_1": "4",
        "bin": "420000",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": null,
        "exp_year": null,
        "token_provider": null,
        "token": null
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/1-82cc07d15d/89caa14443680985ce8ac2452fb9f82b4947926ff5bce0f15a7b4c4d0834ea5d",
    "recipient_billing_address": {
        "first_name": "Mary",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "sender_billing_address": {
        "first_name": "John",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "status_code": null,
    "id": "1-82cc07d15d",
    "verify_p2p": {
        "status": "successful",
        "message": "3DS",
        "amount": 100,
        "currency": "EUR",
        "bank_fee": null,
        "required_fields": null
    },
    "p2p": {
        "ref_id": null,
        "message": null,
        "amount": 100,
        "currency": "EUR",
        "billing_descriptor": null,
        "gateway_id": 1,
        "status": "incomplete",
        "auth_code": null,
        "rrn": null,
        "bank_code": null
    },
    "customer": {
        "ip": "127.0.0.1",
        "email": "[email protected]",
        "device_id": "12312312321fff67",
        "birth_date": null
    }
}
}

Example of the JSON-response when a P2P transfer is successfully completed

{
"transaction": {
    "uid": "1-4f4db7559d",
    "status": "successful",
    "amount": 100,
    "currency": "EUR",
    "description": "Test transaction ütf",
    "type": "p2p",
    "payment_method_type": "credit_card",
    "tracking_id": "tracking_id_000",
    "message": "Successfully processed",
    "test": false,
    "created_at": "2021-06-08T11:54:11.725Z",
    "updated_at": "2021-06-08T11:54:39.219Z",
    "paid_at": "2021-06-08T11:54:39.203Z",
    "language": "en",
    "redirect_url": "http://127.0.0.1:9887/process/1-4f4db7559d",
    "credit_card": {
        "holder": "John Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "1112",
        "first_1": "4",
        "bin": "401200",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": 1,
        "exp_year": 2026,
        "token_provider": null,
        "token": null
    },
    "recipient_card": {
        "holder": "Mary Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "0000",
        "first_1": "4",
        "bin": "420000",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": null,
        "exp_year": null,
        "token_provider": null,
        "token": null
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/1-4f4db7559d/1b653d8b2c18f48a17b88435ca51e7b22bb69e5080a400faa40e3918ae6552d7",
    "recipient_billing_address": {
        "first_name": "Mary",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "sender_billing_address": {
        "first_name": "John",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "status_code": null,
    "id": "1-4f4db7559d",
    "verify_p2p": {
        "status": "successful",
        "message": "3DS",
        "amount": 100,
        "currency": "EUR",
        "bank_fee": null,
        "required_fields": null
    },
    "p2p": {
        "ref_id": "000005800042000145210608125426&000005800042000146210608125433",
        "message": "Approved",
        "amount": 100,
        "currency": "EUR",
        "billing_descriptor": null,
        "gateway_id": 1,
        "status": "successful",
        "auth_code": null,
        "rrn": null,
        "bank_code": null
    },
    "customer": {
        "ip": "127.0.0.1",
        "email": "[email protected]",
        "device_id": "12312312321fff67",
        "birth_date": null
    }
}
}

Example of the JSON-response when a P2P transfer is not successfully completed

{
"transaction": {
    "uid": "1-d8d4cd2503",
    "status": "failed",
    "amount": 100,
    "currency": "EUR",
    "description": "Test transaction ütf",
    "type": "p2p",
    "payment_method_type": "credit_card",
    "tracking_id": "tracking_id_000",
    "message": "Failed",
    "test": false,
    "created_at": "2021-06-08T11:48:15.002Z",
    "updated_at": "2021-06-08T11:48:15.165Z",
    "paid_at": null,
    "language": "en",
    "redirect_url": "http://127.0.0.1:9887/process/1-d8d4cd2503",
    "credit_card": {
        "holder": "John Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "1112",
        "first_1": "4",
        "bin": "401200",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": 1,
        "exp_year": 2026,
        "token_provider": null,
        "token": null
    },
    "recipient_card": {
        "holder": "Mary Doe",
        "stamp": "9723c73562cf57c89e162d7adaad7cff30d2fa9364b45063cd4ccfe980a38c53",
        "brand": "visa",
        "last_4": "0000",
        "first_1": "4",
        "bin": "420000",
        "issuer_country": null,
        "issuer_name": null,
        "product": null,
        "exp_month": null,
        "exp_year": null,
        "token_provider": null,
        "token": null
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/1-d8d4cd2503/047da8244b961a41b5ad52e138dd8b866e6e6e773c3510ec1eb1476192b62397",
    "recipient_billing_address": {
        "first_name": "Mary",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "sender_billing_address": {
        "first_name": "John",
        "last_name": "Doe",
        "address": "Gilbert 104",
        "country": "PL",
        "city": "Warsaw",
        "zip": null,
        "state": null,
        "phone": null
    },
    "status_code": null,
    "id": "1-d8d4cd2503",
    "verify_p2p": {
        "status": "failed",
        "message": "3DS",
        "amount": 100,
        "currency": "EUR",
        "bank_fee": null,
        "required_fields": null
    },
    "p2p": {
        "ref_id": null,
        "message": null,
        "amount": 100,
        "currency": "EUR",
        "billing_descriptor": null,
        "gateway_id": 1,
        "status": "incomplete",
        "auth_code": null,
        "rrn": null,
        "bank_code": null
    },
    "customer": {
        "ip": "127.0.0.1",
        "email": "[email protected]",
        "device_id": "12312312321fff67",
        "birth_date": null
    }
}
}

3-D Secure verification

The source card 3-D Secure verification process is identical with the card verification process for the authorization or payment operations.