P2P API

Info

PCI DSS certificate is required to use this API and process non-encrypted card data.

Check the capability of the P2P transfer

The requests described below are used:

to check the capability of the P2P transfer between the source card and the receiver card;
to get information on the commission of the P2P transfer and additional card data required to make a transfer.

Send one of the POST requests depending on your integration.

Request authorized by the secret key

Send a POST request with Basic authorization by Shop ID and Shop Secret key to https://gateway.pay-cross.com/p2p-restrictions. Use the parameters described here.

Request authorized by the public key in synchronous mode

In synchronous mode, you receive a response to your request with all parameters after the system processes your request.

Send a POST request with the Bearer authorization by the public key and the X-Api-Version: 2 header to https://panel.pay-cross.com/ctp/api/verify-p2p. Use the parameters described here.

Request authorized by the public key in asynchronous mode

In asynchronous mode, you send a request with the same parameters as for a synchronous request, but you receive a response with the new task status and the job_id that the system assigned to your request. Further on, you should check the relevant task status.

Send an HTTP POST request with the Bearer authorization by the Public key and the X-Api-Version: 2 header to https://panel.pay-cross.com/ctp/api/async/verify-p2p. Use the parameters described here.

Response example with the task status new and job_id

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

To get a task status, send a GET request with job_id to https://panel.pay-cross.com/ctp/api/async/jobs/{job_id}.

Response example for the task with new status

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

Response example 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
    }
}

Response example for the task with done status

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

Request parameters

Parameter	Type	Description
request	object
amount * required	integer	A P2P transfer amount to be credited to the receiver card. Submit in the minimal currency units. For example, 32.45 USD should be sent as `3245`.
currency * required	string	A P2P transfer currency in ISO-4217 format, for example `USD`.
credit_card	object	A section of the source card details. Use client side encryption, if needed.
number * required	string	A 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 sender's card. The parameter is optional in the PayCross system but can be required by the acquirer.
token * conditionally required	string	A source card token or an encrypted payment token in the required format. The token can be sent instead of the `number`, `exp_year` and `exp_month` parameters.
recipient_card	object	A section of the recipient card details. Use client side encryption, if needed.
number * required	string	A recipient card number or a primary account number (PAN or DPAN) of the decrypted token provided by.
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	A recipient card token instead of the recipient card number.
test	boolean	Set to `true` for testing the capability of the P2P transfer between test cards. Otherwise, `false`.
additional_data	object	A section of additional data.
p2p	object	A section of additional transfer data.
type * conditionally required	string (3)	A transfer operation type in the alphanumeric format which is issued by the processing center. Contact the Tech Support Team to check if you should submit this parameter.

Request example

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

Response parameters

If the transfer is possible, the response contains the following parameters:

Parameter	Type	Description
status	string	`successful`
message	string	A message from the bank system.
commission	object	A section of the commission details.
minimum	float	A minimal commission amount charged from the source card.
percent	float	A percentage of the commission charged from the source card.
bank_fee	float	An absolute commission value calculated by the processing center.
currency	string	A currency of the commission in the ISO-4217 format, for example `USD`.
test	boolean	`true` for testing the capability of the P2P transfer between test cards. Otherwise, `false`.

Example of the response

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

If the transfer is not possible, the response contains the following parameters:

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

Example of the response

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

In case of an error the response contains the following parameters:

Parameter	Type	Description
error_code	string	An error code.
message	string	An error text description.
errors	object	A section of the parameters with errors.

Example of the 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"
      ]
    }
  }
}

Make the P2P transfer

To make a P2P transfer via the PayCross API, send one of the POST requests described below depending on your integration.

Requests authorized by the secret key

Send a POST request with Basic authorization by Shop ID and Shop Secret key to https://gateway.pay-cross.com/transactions/p2ps. Use the parameters described here.

Requests authorized by the public key in synchronous mode

In synchronous mode, you send a request and receive a response with the parameters only after the system processes the request.

Send a POST request with the Bearer authorization by the public key and the X-Api-Version: 2 header to https://panel.pay-cross.com/ctp/api/p2p. Use the parameters described here.

Requests authorized by the public key in asynchronous mode

In asynchronous mode, you send a request with the same parameters as for a synchronous request, but you receive a response with the new task status and the job_id that the system assigned to your request. Further on, you should check the relevant task status.

Send a POST request with the Bearer authorization by the public key and the X-Api-Version: 2 header to https://panel.pay-cross.com/ctp/api/async/p2p. Use the parameters described here.

Example of the response with task status new and job_id

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

To get the task status, send a GET request specifying the received job_id to https://panel.pay-cross.com/ctp/api/async/jobs/{job_id}.

The response schemes for the new, failed, done task statuses are the same as described for requests checking the capability of the P2P transfer.

Request parameters

Parameter	Type	Description
request	object
amount * required	integer	A transfer amount credited to the recipient card. Submit it in the minimal currency units. For example, 32.45 USD should be sent as `3245`.
currency * required	string	A transfer currency in ISO-4217 format, for example `USD`.
description * required	string	A transfer description.
expired_at	string	Time in the ISO 8601 format (`YYYY-MM-DDThh:mm:ssTZD`) until which the transfer should be confirmed.
tracking_id	string	A transfer `id` in your system. Use a unique value to get up-to-date information, when you send a status query request about the transaction status. Otherwise, you will receive the first transaction found by the `tracking_id`.
duplicate_check	boolean	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. Set to `true` to enable the check (set by default). Otherwise, `false`.
language	string	A language of your checkout page. If the option of transaction notification emails to customers are enabled, PayCross dispatches those emails in the `language` locale. English (`en`) is set by default. Possible values of `language` parameter.
notification_url	string	A URL where transaction notifications will be posted to. The notification request format matches the transaction response format.
return_url	string	A URL on your side where PayCross will redirect the customer after the 3-D Secure verification.
test	boolean	Set to `true` for making the P2P transfer between test cards.
credit_card	object	A section of the source card details. Use client side encryption, if needed.
number * required	string	A 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 sender's card. The parameter is optional in the PayCross system but can be required by the acquirer.
token * conditionally required	string	A source card token received in the response to the first transfer, or an encrypted payment token in the required format. The token can be sent instead of the `number`, `exp_year` and `exp_month` parameters.
recipient_card	object	A section of the recipient card details. Use client side encryption, if needed.
number * required	string	A recipient card number or a primary account number (PAN or DPAN) of the decrypted token provided by.
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	A recipient card token that you got in the response to the first transfer. It can be used instead of the `number`, `holder`, `exp_month` and `exp_year` specified above.
additional_data	object	A section of additional data.
receipt_text	array	Text to be added to the email to the customer. Submit it as an array of strings, for example `["First line", "Second line"]`.
contract	array	An array of elements: `oneclick` - PayCross returns a card token to use it in the oneclick payment scheme. Under this scheme, PayCross opens a payment page with the pre-filled card data. The customer should enter the CVC/CVV code only and pass the 3-D Secure verification to complete a payment.
p2p	object	A section of additional transfer data.
type * conditionally required	string(3)	A 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.
customer	object	A section of the customer information.
ip	string	An IP address of the sender of the transfer.
email	string	An email of the sender of the transfer.
device_id	string	A 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	A billing country of the sender of the transfer in the ISO 3166-1 alpha-2 format.
city	string	A billing city of the sender of the transfer.
state	string	A two-letter billing state of the sender of the transfer only if the billing address country is `US` or `CA`.
zip	string	A billing zip or a postal code of the sender of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	A billing address of the sender of the transfer.
phone	string	A 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	A billing country of the recipient of the transfer in the ISO 3166-1 alpha-2 format.
city	string	A billing city of the recipient of the transfer.
state	string	A two-letter billing state of the recipient of the transfer only if the billing address country is `US` or `CA`.
zip	string	A billing zip or a postal code of the recipient of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	A billing address of the recipient of the transfer.
phone	string	A 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	A billing country of the sender of the transfer in the ISO 3166-1 alpha-2 format.
city	string	A billing city of the sender of the transfer.
state	string	A two-letter billing state of the sender of the transfer only if the billing address country is `US` or `CA`.
zip	string	A billing zip or a postal code of the sender of the transfer. If `country=US`, `zip` format must be NNNNN or NNNNN-NNNN.
address	string	A billing address of the sender of the transfer.
phone	string	A phone number of the sender of the transfer.

Request example

{
  "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 parameters

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

Parameter	Type	Description
transaction	object
uid	string	A UID of the processed transaction.
status	string	A status of the processed transfer.
amount	integer	The transfer amount credited to the receiver card, in the minimal currency units, for example `3245` stands for 32.45 USD.
currency	string	The transfer currency of the transfer in the ISO-4217 format, for example `USD`.
description	string	The transfer description.
type	string	`p2p`
payment_method_type	string	`credit_card`
tracking_id	string	The `tracking_id` parameter value from the request.
message	string	The request result message.
test	boolean	`true` if the transaction is a test operation. Otherwise, `false`.
created_at	string	Transfer creation time in the ISO 8601 format (`YYYY-MM-DDThh:mm:ssTZD`).
updated_at	string	Time of the last update of the transfer data in the database in the ISO 8601 format (`YYYY-MM-DDThh:mm:ssTZD`).
paid_at	string	In case of a successfully completed transfer, this is the completion time of the transfer in the database in the ISO 8601 format (`YYYY-MM-DDThh:mm:ssTZD`).
redirect_url	string	A URL of the page to finalize the transaction. If the `status` parameter is set to `incomplete`, redirect your customer to this URL. It runs the 3-D Secure verification of the cardholder.
language	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	string	The source card holder name.
stamp	string	The source card stamp.
brand	string	The source card brand.
last_4	string	The last 4 digits of the source card.
first_1	string	The first digit of the source card.
bin	string	The source card BIN.
issuer_country	string	The source card country.
issuer_name	string	The issuing bank of the source card.
product	string	The card product type of the source card.
exp_month	string	The source card expiration month expressed with two digits (for example, 01).
exp_year	string	The source card expiration year expressed with four digits (for example, 2027).
token	string	The source card token, which is returned if the `contract` parameter is transferred in the request.
recipient_card	object
holder	string	The recipient card holder name.
stamp	string	The recipient card stamp.
brand	string	The recipient card brand.
last_4	string	The last 4 digits of the recipient card.
first_1	string	The first digit of the recipient card.
bin	string	The recipient card BIN.
issuer_country	string	The recipient card country.
issuer_name	string	The issuing bank of the recipient card.
product	string	The card product type of the recipient card.
exp_month	string	The recipient card expiration month expressed with two digits (for example, 01).
exp_year	string	The recipient card expiration year expressed with four digits (for example, 2027).
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	string	The status of the request parameter check.
message	string	The request result message.
amount	integer	The amount of the transfer, which is credited to the receiver card, in the minimal currency units.
currency	string	The currency of the transfer in ISO-4217 format, for example `USD`.
bank_fee	float	The bank fee amount for P2P transfer.
required_fields	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	string	The link to the receipt of the processed transaction
ref_id	string	The number of the operation in the bank that made the P2P transfer
bank_code	string	The bank response code.
message	string	A message with request result.
amount	integer	The amount of the transfer, which is credited to the receiver card, in the minimal currency units.
currency	string	The currency of the transfer in ISO-4217 format, for example `USD`.
billing_descriptor	string	The text to be displayed on the bank statement of the source card.
gateway_id	integer	The internal bank identification number in the PayCross system.
status	string	The status of the bank transaction.
customer	object	A section of the customer information.
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 the ISO 3166-1 alpha-2 format.
city	string	The billing city of the sender of the transfer.
state	string	The 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.
additional_data	object	The section with additional transfer data.
receipt_text	array	The text added to the email sent to the customer, if it was submitted. Represented as an array of strings, for example `["First line", "Second line"]`.

Example of the response in case 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 response in case 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 response in case 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.