Card Payments
Securely accept international and local, credit and debit card payments across the globe.
A card payment is initiated when your customer selects card payment from your list of payment methods, or enters their card details into your card form fields.
A card payment initiation consists of the following:
Authorization amount.
Successful capture of the authorized transaction.
By default, all card payments are captured immediately after authorization, but sometimes, a post-capture process can be used to put funds on hold.
The card payment process below explains how to:
Add local and international card payments to your checkout.
Complete a single card payment authorization.
Capture the transaction.
Finding the specific card payment methods you'll accept and the corresponding required fields that customers fill out is described under How it Works.
The customer completes the card payment in checkout on your website.
Third-party token provider requests a network token.
You request Rapyd to process the card payment using a network token.
Rapyd processes the payment and sends the response and webhook back to you.
You display your purchase success page to the customer.
PCI Certification
Only clients with PCI-DSS certification can handle personal identifying information for cards. This method is available to merchants who have signed a special agreement with Rapyd.
Decide the card payment types you'll accept in a chosen country. Use List Payment Methods by Country with the following parameters:
GB and GBP are used for country and currency in the sample codes below. GB Visa Card as the payment type.
Description of Query Parameters
Query Parameter | Description |
|---|---|
country | Enter GB as the country code. |
currency | Enter GBP as the currency code. |
List Payment Methods by Country Request
Request
// Request URL: GET https://sandboxapi.rapyd.net/v1/payment_methods/country?country=GB¤cy=GBP // Message body absent
.NET Core
using System; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { string result = RapydApiRequestSample.Utilities.MakeRequest("GET", "/v1/payment_methods/country?country=GB¤cy=GBP"); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } }
JavaScript
const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest; async function main() { try { const result = await makeRequest('GET', '/v1/payment_methods/country?country=GB¤cy=GBP'); console.log(result); } catch (error) { console.error('Error completing request', error); } }
PHP
<?php $path = $_SERVER['DOCUMENT_ROOT']; $path .= "/<path-to-your-utility-file>/utilities.php"; include($path); try { $object = make_request('get', '/v1/payment_methods/country?country=GB¤cy=GBP'); var_dump($object); } catch (Exception $e) { echo "Error: $e"; } ?>
Python
from pprint import pprint from utilities import make_request country = 'GB' currency = 'GBP' results = make_request(method='get', path=f'/v1/payment_methods/country?country={country}¤cy={currency}') pprint(results)
List Payment Methods by Country Response
Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "cfa35a73-aa0b-4e7e-839c-4c3b6149edd7" }, "data": [{ "type": "gb_visa_card", "name": "Visa", "category": "card", "image": "https://iconslib.rapyd.net/checkout/gb_visa_card.png", "country": "GB", "payment_flow_type": "", "currencies": [ "AED", "AUD", "BGN", "BOB", "BRL", "CAD", "CHF", "CNY", "COP", "CZK", "DKK", "EUR", "GBP", "GEL", "HKD", "HRK", "HUF", "IDR", "ILS", "INR", "ISK", "JPY", "KZT", "MDL", "MXN", "MYR", "NOK", "NZD", "PEN", "PHP", "PLN", "RON", "RSD", "RUB", "SEK", "SGD", "THB", "TRY", "TWD", "UAH", "USD", "UYU", "ZAR" ], "status": 1, "is_cancelable": true, "payment_options": [ { "name": "description", "type": "string", "regex": "", "description": "the description field must be filled in.", "is_required": false, "is_updatable": false }, { "name": "capture", "type": "boolean", "regex": "", "description": "Determines when the payment is processed for capture.", "is_required": false, "is_updatable": false }, { "name": "complete_payment_url", "type": "string", "regex": "", "description": "the complete_payment_url field must be filled in.", "is_required": true, "is_updatable": false }, { "name": "error_payment_url", "type": "string", "regex": "", "description": "the error_payment_url field must be filled in.", "is_required": true, "is_updatable": false }, { "name": "customer", "type": "string", "regex": "", "description": "ID of a customer object, a string starting with ‘cus_‘. The customer object must contain the fields listed as required, and can contain additional fields listed here.If the customer object does not exist yet, use ‘Create Customer‘", "is_required": false, "is_updatable": false } ], "is_expirable": true, "is_online": false, "is_refundable": true, "minimum_expiration_seconds": 600, "maximum_expiration_seconds": 604800, "virtual_payment_method_type": "card", "is_virtual": false, "multiple_overage_allowed": false, "amount_range_per_currency": [ { "currency": "AED", "maximum_amount": null, "minimum_amount": null }, { "currency": "AUD", "maximum_amount": null, "minimum_amount": null }, { "currency": "BGN", "maximum_amount": null, "minimum_amount": null }, { "currency": "BOB", "maximum_amount": null, "minimum_amount": null }, { "currency": "BRL", "maximum_amount": null, "minimum_amount": null }, { "currency": "CAD", "maximum_amount": null, "minimum_amount": null }, { "currency": "CHF", "maximum_amount": null, "minimum_amount": null }, { "currency": "CNY", "maximum_amount": null, "minimum_amount": null }, { "currency": "COP", "maximum_amount": null, "minimum_amount": null }, { "currency": "CZK", "maximum_amount": null, "minimum_amount": null }, { "currency": "DKK", "maximum_amount": null, "minimum_amount": null }, { "currency": "EUR", "maximum_amount": null, "minimum_amount": null }, { "currency": "GBP", "maximum_amount": null, "minimum_amount": null }, { "currency": "GEL", "maximum_amount": null, "minimum_amount": null }, { "currency": "HKD", "maximum_amount": null, "minimum_amount": null }, { "currency": "HRK", "maximum_amount": null, "minimum_amount": null }, { "currency": "HUF", "maximum_amount": null, "minimum_amount": null }, { "currency": "IDR", "maximum_amount": null, "minimum_amount": null }, { "currency": "ILS", "maximum_amount": null, "minimum_amount": null }, { "currency": "INR", "maximum_amount": null, "minimum_amount": null }, { "currency": "ISK", "maximum_amount": null, "minimum_amount": null }, { "currency": "JPY", "maximum_amount": null, "minimum_amount": null }, { "currency": "KZT", "maximum_amount": null, "minimum_amount": null }, { "currency": "MDL", "maximum_amount": null, "minimum_amount": null }, { "currency": "MXN", "maximum_amount": null, "minimum_amount": null }, { "currency": "MYR", "maximum_amount": null, "minimum_amount": null }, { "currency": "NOK", "maximum_amount": null, "minimum_amount": null }, { "currency": "NZD", "maximum_amount": null, "minimum_amount": null }, { "currency": "PEN", "maximum_amount": null, "minimum_amount": null }, { "currency": "PHP", "maximum_amount": null, "minimum_amount": null }, { "currency": "PLN", "maximum_amount": null, "minimum_amount": null }, { "currency": "RON", "maximum_amount": null, "minimum_amount": null }, { "currency": "RSD", "maximum_amount": null, "minimum_amount": null }, { "currency": "RUB", "maximum_amount": null, "minimum_amount": null }, { "currency": "SEK", "maximum_amount": null, "minimum_amount": null }, { "currency": "SGD", "maximum_amount": null, "minimum_amount": null }, { "currency": "THB", "maximum_amount": null, "minimum_amount": null }, { "currency": "TRY", "maximum_amount": null, "minimum_amount": null }, { "currency": "TWD", "maximum_amount": null, "minimum_amount": null }, { "currency": "UAH", "maximum_amount": null, "minimum_amount": null }, { "currency": "USD", "maximum_amount": null, "minimum_amount": null }, { "currency": "UYU", "maximum_amount": null, "minimum_amount": null }, { "currency": "ZAR", "maximum_amount": null, "minimum_amount": null } ], "is_tokenizable": false, "supported_digital_wallet_providers": [ "google_pay" ], "is_restricted": false, "supports_subscription": true }, } ] }
Use the Get Payment Method Required Fields with the following parameter:
The data section of this response shows that a Visa card is an acceptable payment method type.
Note: A real response usually lists many payment types.
Description of Path Parameters
Path Parameter | Description |
|---|---|
type | Enter gb_visa_card as the payment method type. |
Get Payment Method Required Fields Request
Request a set of required fields for a Visa card.
Request
// Request URL: GET https://sandboxapi.rapyd.net/v1/payment_methods/gb_visa_card/required_fields // Message body absent
.NET Core
using System; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { string result = RapydApiRequestSample.Utilities.MakeRequest("GET", "/v1/payment_methods/us_visa_card/required_fields"); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } }
JavaScript
const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest; async function main() { try { const result = await makeRequest('GET', '/v1/payment_methods/us_visa_card/required_fields'); console.log(result); } catch (error) { console.error('Error completing request', error); } }
PHP
<?php $path = $_SERVER['DOCUMENT_ROOT']; $path .= "/<path-to-your-utility-file>/utilities.php"; include($path); try { $object = make_request('get', '/v1/payment_methods/us_visa_card/required_fields'); var_dump($object); } catch (Exception $e) { echo "Error: $e"; } ?>
Python
from pprint import pprint from utilities import make_request payment_method = 'us_visa_card' results = make_request(method='get', path=f'/v1/payment_methods/{payment_method}/required_fields') pprint(results)
Get Payment Method Required Fields Response
The response below shows that for a GB Visa card, the customer must fill in:
numberexpiration_monthexpiration_yearnameCVV
Response
{ “status”: { “error_code”: “”, “status”: “SUCCESS”, “message”: “”, “response_code”: “”, “operation_id”: “598b1a00-e302-4037-b0ef-aac895974e9e” }, “data”: { “type”: “gb_visa_card”, “fields”: [ { “name”: “number”, “type”: “string”, “regex”: “”, “is_required”: true, “instructions”: “card number” }, { “name”: “expiration_month”, “type”: “string”, “regex”: “”, “is_required”: true, “instructions”: “expiration month as string, 01-12” }, { “name”: “expiration_year”, “type”: “string”, “regex”: “”, “is_required”: true, “instructions”: “expiration year in to digits as string, 18-99" }, { “name”: “cvv”, “type”: “string”, “regex”: “”, “is_required”: false, “instructions”: “card cvv” }, { “name”: “name”, “type”: “string”, “regex”: “”, “is_required”: false, “instructions”: “card holder name” }, { “name”: “address”, “type”: “Address”, “regex”: “”, “is_required”: false, “instructions”: “card billing address. see Address object for more details” } ], “payment_method_options”: [ { “name”: “3d_required”, “type”: “string”, “regex”: “”, “description”: “”, “is_required”: false, “is_updatable”: false } ], “payment_options”: [ { “name”: “customer”, “type”: “customer”, “regex”: “”, “description”: “make sure a customer was created with first_name, last_name and email”, “is_required”: true, “is_updatable”: false } ], “minimum_expiration_seconds”: null, “maximum_expiration_seconds”: null } }
Note: For 3DS flow see Card Payment With 3DS Verification
Initiate Your Customer's Payment
Collect a payment from your customer:
Description of Body Parameters
Body Parameter | Description |
|---|---|
payment_method | Enter an object with the following fields: |
amount | Enter 9.99 as the payment amount. |
currency | Enter GBP as the currency code. |
capture | Enter true as the value. This tells Rapyd to collect the payment for you right away. If 'false', a hold will be put on the card and the funds will not be captured until the status is updated. |
Submit Payment to Rapyd
Rapyd processes your customer's card payment and immediately captures the funds for you (in the sample code below, the amount used is 9.99 GBP).
Create Payment Request
Request
// Request URL: POST https://sandboxapi.rapyd.net/v1/payments // Message body: { "amount": 9.99, "currency": "GBP", "payment_method": { "type": "gb_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "10", "expiration_year": "29", "cvv": "123" } }, "error_payment_url": "https://error_example.net", "capture": true }
.NET Core
using System; namespace RapydApiRequestSample { class Program { static void Main(string[] args) { try { string payment = @"{""amount"":9.99,""currency"":""GBP"",""payment_method"":{""type"":""gb_visa_card"",""fields"":{""number"":""4111111111111111"",""expiration_month"":""10"",""expiration_year"":""29"",""cvv"":""123""}},""error_payment_url"":""https:error_example.net"",""capture"":true}"; string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/payments", payment); Console.WriteLine(result); } catch (Exception e) { Console.WriteLine("Error completing request: " + e.Message); } } } }
JavaScript
const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest; async function main() { try { const body = { amount: 9.99, currency: 'GBP', payment_method: { type: 'gb_visa_card', fields: { number: '4111111111111111', expiration_month: '10', expiration_year: '29', cvv: '123' } }, capture: true }; const result = await makeRequest('POST', '/v1/payments', body); console.log(result); } catch (error) { console.error('Error completing request', error); } }
PHP
<?php $path = $_SERVER['DOCUMENT_ROOT']; $path .= "/<path-to-your-utility-file>/utilities.php"; include($path); $body = [ 'amount' => 9.99, 'currency' => 'GBP', 'payment_method' => [ 'type' => 'us_visa_card', 'fields' => [ 'number' => '4111111111111111', 'expiration_month' => '10', 'expiration_year' => '29', 'cvv' => '123'] ], 'error_payment_url' => urldecode('https://error_example.net'), 'capture' => true ]; try { $object = make_request('post', '/v1/payments', $body); var_dump($object); } catch (Exception $e) { echo "Error: $e"; } ?>
Python
from pprint import pprint from utilities import make_request payment_body = { 'amount': 9.99, 'currency': 'GBP', 'payment_method': { 'type': 'gb_visa_card', 'fields': { 'number': '4111111111111111', 'expiration_month': '10', 'expiration_year': '29', 'cvv': '123' } }, 'error_payment_url': 'https://error_example.net', 'capture': True } results = make_request(method='post', path='/v1/payments', body=payment_body) pprint(results)
Create Payment Response
Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "d036678e-79f3-45fd-ac9b-54277a0f1887" }, "data": { "id": "payment_476c494ba433285e3468ddd3d12e6287", "amount": 9.99, "original_amount": 9.99, "is_partial": false, "currency_code": "GBP", "country_code": "GB", "status": "CLO", // ... "customer_token": "cus_f7f818996c5cff475839fc2b5edf985a", "payment_method": "card_1bdfe1b70af665004da098f8bd859282", "expiration": 0, "captured": true, // ... "error_payment_url": "https://error_example.net", // ... "created_at": 1581235148, // ... "paid": true, "paid_at": 1581235148, // ... "payment_method_type": "gb_visa_card", "payment_method_type_category": "card", // ... } }
The response shows that Rapyd successfully processed the payment based on the amount, currency, and payment method.
The payment is successful since the status (under data) is CLO (closed).
You can now notify your customer that the purchase is complete.