Skip to content

Payment

Payment transaction is a combination of authorization and capture processed at a time. This transaction type is generally used when the goods or services can be immediately provided to the customer.

Info

It is required to be PCI DSS validated to use this transaction and send plain unencrypted card data.

Request

To initiate a payment transaction, send a POST request to https://gateway.pay-cross.com/transactions/payments with the following parameters:

Parameter Type Description
amount * required
 bigInteger A transaction amount in minimal currency units, for example, $32.45 must be sent as 3245.
currency * required
 string Currency in ISO-4217 format, for example, USD.
description * required
 string (255) The short description of the order.
tracking_id string (255) The ID of your transaction or order. Please, use unique values in order to get the correct transaction information by query request. Otherwise, you will get the first transaction that we will find with the matching 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.
expired_at string Time in the ISO-8601 format until which the transaction payment must be made: YYYY-MM-DDThh:mm:ssTZD, where YYYY – year (for example, 2023), MM – month (for example, 02), DD – day (for example, 09), hh – hours (for example, 18), mm – minutes (for example, 20), ss – seconds (for example, 45), TZD – time zone (+hh:mm or –hh:mm indicating an offset from UTC). If the payment is not made by the specified date and time, expired status is assigned to the transaction.
duplicate_check boolean The boolean parameter controls whether the payment gateway will do a duplicate check of the received requests to charge a card. By default, it is true and duplicate requests with the same amount and number or token sent within 30 seconds after the original request will be rejected.
dynamic_billing_descriptor string A dynamic billing descriptor.
language string Language of your checkout page or customer. 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 the webhook notification about a transaction will be posted. The notification request format is the same as the transaction response format.
verification_url string The URL where the transaction verification request will be posted. The verification request format is the same as the transaction response format.
return_url * conditionally required
 string The URL on the merchant's website to which PayCross will redirect the customer once they complete 3-D verification.

Required, if your merchant account is 3-D Secure enabled.
test boolean If set to true, the transaction will be a test one. By default, false.
credit_card object
number * required
 string (19) Card number.
verification_value * conditionally 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 the card details with the given CVC2/CVV2/CID to the acquiring bank. The parameter can be required depending on the shop settings and acquirer requirements.
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.
exp_month * required
 string (2) Card expiration month. Must be one or two digits (for example, 01).
exp_year * required
 string (4) Card expiration year. Must be 4 digits (for example, 2026).
token * conditionally required
 string Instead of the 5 parameters above you can send the card token you've saved from the transaction response when the card was charged for the first time. If a card token is used, then the additional_data.contract parameter must be specified.
skip_three_d_secure_verification boolean The parameter enables the option for the customer to skip the 3-D Secure verification check. Contact the Tech Support Team to check if you can apply this parameter.
If true, PayCross doesn't launch the 3-D Secure verification for payment transactions. By default, false.
The force_three_d_secure_verification parameter overrides the skip_three_d_secure_verification parameter, if both are set to true.
Overridden by Smart Routing rules with Skip 3ds or Force 3ds actions.
force_three_d_secure_verification boolean The parameter enables the option to make the 3-D Secure verification check mandatory for the customer. Contact the Tech Support Team to check if you can apply this parameter.
If true, PayCross forces the 3-D Secure verification for payment transactions. By default, false.
The force_three_d_secure_verification parameter overrides the skip_three_d_secure_verification parameter, if both are set to true.
Overridden by Smart Routing rules with Skip 3ds or Force 3ds actions.
three_d_secure object A section with the settings to apply the advanced scenario of payment processing with 3-D Secure 2.0 verification.
advanced boolean Set to true to apply the advanced scenario. Otherwise, set to false.
additional_data object A section with additional transaction data.
p2p object A section for AFT transactions.
service_id * conditionally required
 string The parameter is required for an AFT transaction. Request the parameter value from your manager.
service_extension * conditionally required
 string The parameter is required for an AFT transaction. Request the parameter value from your manager.
excluded_gateways array Array for working with cascading payments.
masterpass object A section of Masterpass service.
params object A section for Masterpass parameters.
session string user session id
receipt_text array A text that will be added to the customer's email. Submit it as an array of strings, for example, ["First line", "Second line"].
contract array An array which can contain the following elements:

recurring - PayCross returns a card token to be used in subsequent charges without entering the card data again. Customer agrees to be charged regularly, but initially the customer must make a payment with full card data including CVC/CVV code and pass 3-D Secure verification.

oneclick - PayCross returns a card token to use it in the oneclick payment scheme. It means PayCross will display a payment page with the prefilled card data and the customer will only be asked to enter CVC/CVV code and pass 3-D Secure verification to complete the payment.

credit - PayCross returns a card token to be used for a payout

card_on_file - PayCross returns a card token to be saved to the customer's profile and to be used in time-to-time charges initiated by the customer or by your application. See card_on_file section below to understand what cases the contract type covers. card_on_file option in the payment transaction doesn't work with all acquirers. If you want to use the card_on_file option, please contact your account manager.
avs_cvc_verification object A section of AVS/CVC verification check.
card_on_file object A section for parameters related to storing card details for future transactions. If not submitted, default values of initiator and type parameters are applied.
initiator string merchant - (default) merchant initiated a card charge (for instance, for a car ride service)

customer - customer initiated a card charge (for instance, customer confirmed an order and wanted to pay with a saved card).
type string Used only in case additional_data.card_on_file.initiator is merchant.

delayed_charge - (default) prepaid expense charged to the customer's card

increment - additional charge beyond the initially charged amount (for example, in the case of an upsell or in the case the product is exchanged for a more expensive one)

resubmission - transaction resubmission after the previous charge has failed (for example, not sufficient funds on the card)

reauthorization - repeat authorization (for example, when the merchant wants to reauthorize the previously authorized amount for future charges)

no_show - a no-show charge (for example, no visit to a hotel).
browser object Section of customer browser parameters. Used only for 3DS 2.0.
accept_header string Value of Accept request HTTP header sent by the customer's browser.
screen_width integer Screen width in pixels. Equals the screen.width parameter in JavaScript.
screen_height integer Screen height in pixels. Equals the screen.height parameter in JavaScript.
screen_color_depth integer Screen color depth in bits per pixel. Equals the screen.colorDepth parameter in JavaScript. Applicable values are:

1 - 1 bit
4 - 4 bits
8 - 8 bits
15 - 15 bits
16 - 16 bits
24 - 24 bits
32 - 32 bits
48 - 48 bits.
window_width integer Browser window width in pixels. Equals the document.body.clientWidth parameter in JavaScript.
window_height integer Browser window height in pixels. Equals the document.body.clientHeight parameter in JavaScript.
language string Language of the navigator. Equals the navigator.language parameter in JavaScript.
java_enabled boolean Indicates if the browser is Java-enabled or not. Equals the navigator.javaEnabled() parameter in JavaScript.
user_agent string User agent string for the browser. Equals the navigator.userAgent parameter in JavaScript.
time_zone integer Time zone difference, in minutes, from the current locale (host system settings) to UTC. Equals the new Date().getTimezoneOffset() parameter in JavaScript.
time_zone_name string Time zone name. Equals the Intl.DateTimeFormat().resolvedOptions().timeZone parameter in JavaScript.
customer * conditionally required
 object A section of the customer information.
Contact the Tech Support Team to check if your acquirer requires any of the section parameters.
ip * conditionally required
 string The customer's IP address.
email * conditionally required
 string The customer's email.
device_id * conditionally required
 string The customer's device ID (desktop, smartphone, etc.).
birth_date * conditionally required
 string The customer's date of birth in the ISO 8601 format YYYY-MM-DD.
taxpayer_id * conditionally required
 string The customer's taxpayer ID. Contact the Tech Support Team to check if you need to submit this parameter.
billing_address * conditionally required
 object A section of the customer's address details. Contact the Tech Support Team to check if your acquirer requires any of the section parameters.
first_name * conditionally required
 string (30) The customer's first name. Max length: 30 chars.
last_name * conditionally required
 string (30) The customer's last name. Max length: 30 chars.
country * conditionally required
 string (2) The customer's billing country in ISO 3166-1 Alpha-2 format.
city * conditionally required
 string (60) The customer's billing city.
state * conditionally required
 string The customer's two-letter billing state only if the billing address country is US or CA.
zip string The customer's billing ZIP or postal code. If country=US, zip format must be NNNNN or NNNNN-NNNN.
address * conditionally required
 string (255) The customer's billing address.
phone * conditionally required
 string (100) The customer's phone number.
travel object An optional section with travel related data.
airline object The section with airline ticket data.
agency_code string IATA agency code, for example 03.
agency_name string Name of the agency that sold the ticket, for example, Coral travel.
ticket_number string 14-digit ticket number. Must contain 3-digit ticketing code, 4-digit form number, 6-digit serial number, and check digit, for example, 390 5241 025377 1.
booking_number string For example, DKZVUA.
restricted_ticket_indicator string If the ticket can be returned, the field value is 0, otherwise it is 1.
legs array An array of travel legs. Every leg consists of:
airline_code string 2-letter IATA code, for example B2.
stop_over_code string IATA stopover code. If a traveler stays in the originating city more than 24h, then set the field value to O or leave it empty. If the originating airport is a transit airport, then set the field value to X.
flight_number string For example, A3 971.
departure_date_time string For example, 2014-05-26T05:15:00.
arrival_date_time string For example, 2014-05-26T07:30:00.
originating_country string For example, RU.
originating_city string For example, Moscow.
originating_airport_code string 3-letter IATA code, for example DME.
destination_country string For example, Greece.
destination_city string For example, Athens.
destination_airport_code string 3-letter IATA code, for example ATH.
coupon string Coupon number if it was applied.
class string Class flight, 1-letter IATA code. For example, C.
passengers array List of passengers where every list item consists of
first_name string First name of the passenger, for example, KONSTANTIN.
last_name string Last name of the passenger, for example, IVANOV.
Example of the request 
{
  "request":{
      "amount":100,
      "currency":"USD",
      "description":"Test transaction",
      "tracking_id":"your_uniq_number",
      "language":"en",
      "test":true,
      "billing_address":{
        "first_name":"John",
        "last_name":"Doe",
        "country":"US",
        "city":"Denver",
        "state":"CO",
        "zip":"96002",
        "address":"1st Street"
      },
      "credit_card":{
        "number":"4200000000000000",
        "verification_value":"123",
        "holder":"John Doe",
        "exp_month":"05",
        "exp_year":"2026"
      },
      "customer":{
        "ip":"127.0.0.1",
        "email":"[email protected]"
      }
  }
}
Example of the request with card token 
{
  "request":{
      "amount":100,
      "currency":"USD",
      "description":"Test transaction",
      "tracking_id":"your_uniq_number",
      "test":true,
      "billing_address":{
        "first_name":"John",
        "last_name":"Doe",
        "country":"US",
        "city":"Denver",
        "state":"CO",
        "zip":"96002",
        "address":"1st Street"
      },
      "credit_card":{
        "token":"40bd001563085fc35165329ea1ff5c5ecbdbbeef40bd001563085fc35165329e"
      },
      "customer":{
        "ip":"127.0.0.1",
        "email":"[email protected]"
      }
  }
}
Example of the request with additional receipt text 
{
  "request":{
      "amount":100,
      "currency":"USD",
      "description":"Test transaction",
      "tracking_id":"your_uniq_number",
      "language":"en",
      "test":true,
      "billing_address":{
        "first_name":"John",
        "last_name":"Doe",
        "country":"US",
        "city":"Denver",
        "state":"CO",
        "zip":"96002",
        "address":"1st Street"
      },
      "credit_card":{
        "number":"4200000000000000",
        "verification_value":"123",
        "holder":"John Doe",
        "exp_month":"05",
        "exp_year":"2026"
      },
      "additional_data":{
        "receipt_text": ["First line", "Second Line"]
      },
      "customer":{
        "ip":"127.0.0.1",
        "email":"[email protected]"
      }
  }
}
Example of the request with information about ticket and tour voucher sale 
{
  "request":{
    "amount":100,
    "currency":"USD",
    "description":"Test transaction",
    "tracking_id":"your_uniq_number",
    "test":true,
    "billing_address":{
      "first_name":"John",
      "last_name":"Doe",
      "country":"US",
      "city":"Denver",
      "state":"CO",
      "zip":"96002",
      "address":"1st Street"
      },
    "credit_card":{
      "token":"40bd001563085fc35165329ea1ff5c5ecbdbbeef40bd001563085fc35165329e"
    },
    "customer":{
      "ip":"127.0.0.1",
      "email":"[email protected]"
    },
    "travel": {
      "airline": {
        "agency_code": "03",
        "agency_name": "Corel travel",
        "ticket_number": "390 5241 025377 1",
        "booking_number": "DKZVUA",
        "restricted_ticket_indicator": "0",
        "legs": [
          {
            "airline_code": "B2",
            "stop_over_code": "X",
            "flight_number": "A3 971",
            "departure_date_time": "2014-05-26T05:15:00",
            "arrival_date_time": "2014-05-26T07:30:00",
            "originating_country": "RU",
            "originating_city": "Moscow",
            "originating_airport_code": "DME",
            "destination_country": "Greece",
            "destination_city": "Athens",
            "destination_airport_code": "ATH",
            "coupon": "coupon code",
            "class": "C"
          }
        ],
        "passengers":[
          {
            "first_name": "KONSTANTIN",
            "last_name": "IVANOV"
          },
          {
            "first_name": "JULIA",
            "last_name": "IVANOVA"
          }
        ]
      }
    }
  }
}
Response

In the transaction section response parameters replicate request parameters except the additional ones:

Parameter Type Description
transaction object
uid * required
 string A UID of the processed transaction.
status * required
 string A status of the processed transaction.
message * required
 string A processing result message.
type * required
 string A transaction type.
tracking_id * required
 string The tracking_id parameter value sent in the transaction request.
language * required
 string The language parameter value sent in a transaction request or en if the parameter was omitted.
payment_method_type * required
 string Payment method used to complete the transaction.

Possible values:
credit_card.
credit_card object
brand * required
 string The detected card brand.
product * required
 string A card product type code.
last_4 * required
 string The last 4 digits of the card.
first_1 * required
 string The first digit of the card.
bin * required
 string (6) 6-digit bank identification number (BIN). The first 6 digits of the card number.
bin_8 * required
 string (8) 8-digit bank identification number (BIN). The first 8 digits of the card number. The value is returned for Visa, MasterCard, Maestro cards and the corresponding co-branded cards. Otherwise, null is returned.
issuer_country * required
 string (2) The country of the card issuing bank in ISO 3166-1 Alpha-2 format.
issuer_name * required
 string The name of the card issuing bank.
stamp * required
 string The card hash. It is constant even if expiration dates or cardholder are changed.
token * required
 string The card token. Store the token and charge returning customers or run recurring charges without customers' billing details. The token lets you save the customer's details and charge them whenever they make new purchases, or you renew their services.
token_provider * required
 string The detected token provider.

Possible values or null.
receipt_url * required
 string A transaction receipt URL.
additional_data object A section of detailed information about the payment.
masterpass object A Masterpass service section.
params object A section for Masterpass parameters.
session string A user session ID.
result object A section for the result of a transaction in Masterpass.
status string A response status.

Possible values: successful, failed.
message string A message about Masterpass operation result generated by PayCross.
error string A message about an error reason in Masterpass generated by PayCross. Returned in case of an error.
error_message string An error message generated by Masterpass. Returned in case there is an error.
error_code string An error code generated by Masterpass. Returned in case there is an error.
token string A Masterpass card token. Returned in case the card is saved.
receipt_text array Text that will be added to the email sent to the customer.
payment object
auth_code * required
 string An authorization code provided by the acquirer.
bank_code * required
 string A transaction bank code.
rrn * required
 string A retrieval reference number. A transaction ID issued by the card processing service.
ref_id * required
 string A transaction reference ID provided by the acquirer.
message * required
 string A processing result message provided by the acquirer.
billing_descriptor * required
 string A billing descriptor assigned to the transaction.
status * required
 string A status of the processed transaction in the acquiring bank.
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.
code * required
 string Transaction processing code .
friendly_message * required
 string code description for the customer.
avs_cvc_verification object An optional section with AVS/CVC verification results.
smart_routing_verification object A section of parameters of Smart Routing verification results.
status string Smart Routing check status for the transaction.
Example of the response 
{
  "transaction": {
    "uid": "12803315-c061-4f8d-8f42-4abaf3f8319d",
    "status": "successful",
    "amount": 492,
    "currency": "EUR",
    "description": "Test transaction",
    "type": "payment",
    "payment_method_type": "credit_card",
    "tracking_id": "your_uniq_number",
    "message": "Successfully processed",
    "test": true,
    "created_at": "2024-04-02T12:47:26.818Z",
    "updated_at": "2024-04-02T12:47:30.960Z",
    "paid_at": "2024-04-02T12:47:30.909Z",
    "expired_at": null,
    "recurring_type": "initial",
    "closed_at": null,
    "settled_at": null,
    "manually_corrected_at": null,
    "language": "en",
    "credit_card": {
      "holder": "John Doe",
      "stamp": "bb58cad9c1204ca2287b3e1006cc1a2c0fb8f062dde9e5232c8be5498bd0e62a",
      "brand": "visa",
      "last_4": "1097",
      "first_1": "4",
      "bin": "401200",
      "bin_8": "40120000",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 7,
      "exp_year": 2026,
      "token_provider": null,
      "token": "10f43f34-5a34-430a-afd7-affe77ed5c90"
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/12803315-c061-4f8d-8f42-4abaf3f8319d/6392098201d357893deef7eb11270e863da7004ebfcd27bdb3235280e90ebf99?language=en",
    "status_code": null,
    "gateway": {
      "iframe": true
    },
    "mute_notifications": null,
    "id": "12803315-c061-4f8d-8f42-4abaf3f8319d",
    "additional_data": {
      "contract": [
        "recurring"
      ]
    },
    "redirect_url": "https://gateway.pay-cross.com/process/12803315-c061-4f8d-8f42-4abaf3f8319d",
    "code": "S.0000",
    "friendly_message": "The operation is successful.",
    "smart_routing_verification": {
      "status": "successful"
    },
    "payment": {
      "auth_code": "654321",
      "bank_code": "05",
      "rrn": "999",
      "ref_id": "777888",
      "message": "Payment was approved",
      "amount": 492,
      "currency": "EUR",
      "billing_descriptor": "test descriptor",
      "gateway_id": 3483,
      "status": "successful"
    },
    "customer": {
      "ip": null,
      "email": null,
      "device_id": null,
      "birth_date": null
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}
Example of the response with incomplete 3-D Secure verification 
{
  "transaction": {
    "uid": "c37c2df6-707e-4e49-bc0f-1c0a1800a238",
    "status": "incomplete",
    "amount": 492,
    "currency": "EUR",
    "description": "Test transaction",
    "type": "payment",
    "payment_method_type": "credit_card",
    "tracking_id": "your_uniq_number",
    "message": null,
    "test": true,
    "created_at": "2024-04-02T13:44:22.590Z",
    "updated_at": "2024-04-02T13:44:24.802Z",
    "paid_at": null,
    "expired_at": null,
    "recurring_type": "initial",
    "closed_at": null,
    "settled_at": null,
    "manually_corrected_at": null,
    "language": "en",
    "credit_card": {
      "holder": "John Doe",
      "stamp": "bb58cad9c1204ca2287b3e1006cc1a2c0fb8f062dde9e5232c8be5498bd0e62a",
      "brand": "visa",
      "last_4": "1097",
      "first_1": "4",
      "bin": "401200",
      "bin_8": "40120000",
      "issuer_country": null,
      "issuer_name": null,
      "product": null,
      "exp_month": 7,
      "exp_year": 2026,
      "token_provider": null,
      "token": "34577a72-ed65-4b0c-85a1-f62262f54af6"
    },
    "receipt_url": "https://admin.pay-cross.com/customer/transactions/c37c2df6-707e-4e49-bc0f-1c0a1800a238/571fddcc764f75f0daad3acb746d46a80c4112e51d43eda8538aa1b27597120e?language=en",
    "status_code": null,
    "gateway": {
      "iframe": true
    },
    "mute_notifications": null,
    "id": "c37c2df6-707e-4e49-bc0f-1c0a1800a238",
    "additional_data": {
      "contract": [
        "recurring"
      ]
    },
    "redirect_url": "https://gateway.pay-cross.com/process/c37c2df6-707e-4e49-bc0f-1c0a1800a238",
    "code": "P.4012",
    "friendly_message": "Redirect to pass 3-D Secure verification.",
    "smart_routing_verification": {
      "status": "successful"
    },
    "three_d_secure_verification": {
      "status": "incomplete",
      "message": "Authentication Available",
      "ve_status": "Y",
      "acs_url": null,
      "pa_req": null,
      "md": null,
      "pa_res_url": "https://gateway.pay-cross.com/process/c37c2df6-707e-4e49-bc0f-1c0a1800a238",
      "eci": null,
      "pa_status": null,
      "xid": null,
      "cavv": null,
      "cavv_algorithm": null,
      "fail_reason": null,
      "method_process_url": null,
      "creq": null
    },
    "payment": {
      "auth_code": null,
      "bank_code": null,
      "rrn": null,
      "ref_id": null,
      "message": null,
      "amount": 492,
      "currency": "EUR",
      "billing_descriptor": null,
      "gateway_id": 3483,
      "status": "incomplete"
    },
    "customer": {
      "ip": null,
      "email": null,
      "device_id": null,
      "birth_date": null
    },
    "billing_address": {
      "first_name": "John",
      "last_name": "Doe",
      "address": "1st Street",
      "country": "US",
      "city": "Denver",
      "zip": "96002",
      "state": "CO",
      "phone": null
    }
  }
}