Create Payment

Create a payment to collect money into a Rapyd Wallet.

Use this method in the following situations:

To collect money immediately for a one-time charge.
To fund one or more Rapyd Wallets.
To replace a failed payment in a group payment. You can replace all or part of the portion that failed.

If the payment_method is not specified, Rapyd collects the funds from the default_payment_method of the customer object. The default payment method must be tokenizable.

For card payments, Rapyd saves the card payment method to the customer if you set save_payment_method to true. If you do not want Rapyd to save the card payment method to the customer, set save_payment_method to false. The default is false.

When Rapyd does not save the card payment method to the customer, the values of payment_method and payment_method_data.id in the response are null.

Payment Facilitator (PayFac) Card payments: As a PayFac, your sub-merchant can collect funds from a card payment, and you can direct the funds to your client wallet. The collected funds are settled via the PayFac’s client wallet. See the sample 'Payment with Merchant Wallet' on this page and the Creating a Card Payment workflow.

In production, you cannot save a card payment method for a telephone order.

Some card payment methods require payment_method.fields.recurrence_type to specify the primary intended purpose of a saved payment method. See Saving a European Card While Creating a Payment. One of the following values:

recurring - Regular payments for an indefinite period.
installment - Regular payments for a defined number of payment cycles.
unscheduled - Individual unrelated payments. This is the default.

The payment method might also require initiation_type for each payment. See Creating a Payment with a European Card on File.

This method triggers Payment Succeeded Webhook. This webhook contains the same information as the response. If the action of a third party is not required, the Payment Completed Webhook is also triggered.

The following asynchronous webhooks provide information about later changes to the payment object:

In the sandbox:

To simulate completion of a payment method that requires the action of a third party, you must run Complete Payment.
To simulate completion of a payment that requires 3DS authentication, see Simulating 3DS Authentication. Relevant where the payment method type is card.
To simulate a cardholder dispute, create a payment using a specific, reserved card number. Set payment_method_options.3d_required to false. See Simulating Cardholder Disputes.

Note

Only clients with PCI certification can handle personal identifying information for cards. Clients that are not PCI-certified can use Rapyd Checkout to collect money from a card. See Checkout Page.
If you create a payment that is split by amount and the total of the identified wallets is less than the amount of the payment, the remainder is paid into the client wallet.
For a split payment, you must choose amount for all wallets or percentage for all wallets. You cannot mix these options.
Before you create a payment with a tokenized payment method, verify that the value of is_tokenizable is true.
When you create a card payment, a zero-amount transaction is processed.
Transactions with 3DS authentication must be authenticated within 15 minutes.
Requests for very small amounts are rounded down to zero, are not processed, and throw an error. This can occur in payments that are split among two or more wallets, or in payments with FX.
Use this method to create a network reference ID for a recurring card payment. You also can create a network reference ID when you add a payment method to a customer. See Add Payment Method to Customer.
A SEPA (Single Euro Payments Area) bank transfer can be disputed for 13 months after the payment is created.

Prerequisites

You must run Get Payment Method Required Fields before creating a payment.
Payment Method - Required for using a payment method on file. See Add Payment Method to Customer and Create Card Token.
Customer - Required for using a customer’s default payment method on file.
Wallet - Required for directing the collected funds to a merchant or customer. See Create Wallet.

Response Errors

For error examples, see Create Payment Error Examples.

For more information on errors, refer to the following pages:

Related Information

Parameters

Request Header Parameters

Request Body Parameters

- address
- Billing address associated with the payment. For details of fields in the 'address' object, see Create Address.
- amount
- The amount of the payment, in units of the currency defined in currency. Decimal, including the correct number of decimal places for the currency exponent, as defined in ISO 4217:2015. To verify a card, set to 0.
- capture
- Determines when the payment is processed for capture. Relevant to card payments.
  true - Capture the payment immediately.
  false - Authorize the payment, then capture some or all of the payment at a later time, when the merchant runs the Capture Payment method.
  Note
  Some card payment methods do not support delayed capture.
  true
- client_details
- Describes the browser that the customer is using. The client collects this information and sends it in the request. This information is required for 3DS authentication of the customer for card payments. Rapyd recommends providing all fields, especially ip_address. Visa requires ip_address, screen_height, and screen_width. The Client Details information is not returned in the REST response or in webhooks. See Creating a Card Payment With 3DS Authentication - Rapyd 3DS for additional request parameters that are required for 3DS authentication.
  accept_header
  Indicates the media types specified in the HTTP Accept header of the customer's browser, which the browser accepts from the server. This value describes the media types that the browser expects in all responses. Required for processing 3DS authentication for some payment methods.
  For example: text/html
  ip_address
  IP address of the customer's browser.
  Required for Visa and Mastercard payments with 3DS.
  java_enabled
  Indicates whether the customer's browser is enabled for Java.
  java_script_enabled
  Indicates whether the customer's browser is enabled for JavaScript.
  language
  The language the customer's browser is configured for, as defined in IETF BCP 47.
  screen_color_depth
  Indicates the screen color depth of the customer's browser, in bits.
  Valid values: 1, 4, 8, 15, 16, 24, 32, 48.
  screen_height
  Height of the customer's screen, in pixels. 1-6 digits.
  Required for Visa payments with 3DS.
  screen_width
  Width of the customer's screen, in pixels. 1-6 digits.
  Required for Visa payments with 3DS.
  time_zone_offset
  Difference in minutes between UTC and the customer's time zone. Positive or negative integer.
- complete_payment_url
- URL where the customer is redirected after successfully completing an operation on a hosted page. Does not support localhost URLs.
- currency
- In transactions without FX, defines the currency of the transaction. Three-letter ISO 4217 code.
  In FX transactions:
  - When fixed_side is buy, it is the currency received in the Rapyd wallet.
  - When fixed_side is sell, it is the currency charged to the buyer.
  See also fixed_side and requested_currency fields.
- customer
- String or object describing the customer. Required if payment_method is blank.
  - string - ID of the customer who is making the payment. String starting with cus_.
  - object - Contains all fields required for the customer. See Create Customer.
- description
- Description of the payment transaction.
- error_payment_url
- URL where the customer is redirected if an error occurs during or after an operation on a hosted page. Does not support localhost URLs.
- escrow
- Determines whether the payment is held in escrow for later release.
  false
- escrow_release_days
- Determines the number of days after creation of the payment that funds are released from escrow. Funds are released at 5:00 pm GMT on the day indicated.
  Integer, range: 1-90.
  90
- ewallet
- ID of the wallet that the money is paid into. String starting with ewallet_.
  ID of the default client wallet.
  Relevant when the request includes a single wallet.
- ewallets
- Specifies the wallets that the money is collected into. If this is left blank, the money goes into the oldest collection-type client wallet. If there is no collection client wallet, the money goes into the oldest general-type client wallet.
  amount
  The amount of the payment to the wallet, in units of the currency defined in currency. Decimal.
  If the total amount of the payment is not fully accounted for, the balance appears in the client wallet.
  Relevant when percentage is not set.
  ewallet
  ID of the wallet. String starting with ewallet_.
  percentage
  The percentage that is paid to the wallet out of the total payment. Positive decimal between 0 and 100. More than 2 decimal places are rounded up to the next 0.01%. For example, 10 percent is represented by percentage="10".
  If the total amount of the payment is not fully accounted for, the balance appears in the client wallet.
  Relevant when amount is not set.
- expiration
- End of the time allowed for the customer to complete this payment, in Unix time. Default is:
  For card payment methods: 7 days
  Note
  Relevant to card payments: In some cases, the card networks require a shorter expiration date of the payment. In these cases, the expiration will be updated. Refer to the PAYMENT_COMPLETED webhook to view the updated expiration value.
  For other payment methods: 2 weeks
- Relevant to all payment methods where the is_expirable field is true in the response to List Payment Methods by Country.
- fixed_side
- Indicates whether the FX rate is fixed for the buy side (seller) or for the sell side (buyer).
  - buy - The currency that the Rapyd Wallet receives for goods or services. Fixed side buy relates to the seller (merchant) funds. For example, a US-based merchant wants to charge 100 USD. The buyer (customer) pays the amount in MXN that converts to 100 USD.
  - sell - The currency that the buyer is charged for purchasing goods or services. Fixed side sell relates to the buyer (customer) funds. For example, a US-based merchant wants to charge a buyer 2,000 MXN and will accept whatever amount in USD that is converted from 2,000 MXN.
  buy
  See also requested_currency.
- group_payment
- ID of the group payment. String starting with gp_.
  Relevant when the payment is part of a group payment.
- initiation_type
- Indicates how the transaction was initiated. One of the following:
  - customer_present - The transaction was initiated by the customer.
  - installment - The transaction was initiated by a subscription where there is a fixed number of installments.
  - moto - The transaction was initiated by the merchant or Rapyd client for a mail order or telephone order.
    Note
    To enable moto in the production environment, contact Rapyd Client Support.
  - recurring - The transaction was initiated by a subscription where charges are made at regular intervals and there is no end date.
  - unscheduled - The transaction is a top-up transaction that was previously authorized by the cardholder and was initiated by the merchant or Rapyd client.
  customer_present
- merchant_ewallet
- The sub-merchant’s ewallet ID. For the ewallet parameter, you can either provide the ewallet ID of your Payment Facilitator (PayFac) client wallet, or omit it from the payment request. See also the sample 'Payment with Merchant Wallet'.
  Relevant and required for a PayFac. As a PayFac, you can create a card payment and direct the funds that the sub-merchant collects to your client wallet.
- merchant_reference_id
- Identifier defined by the client for reference purposes. Limit: 45 characters.
- metadata
- A JSON object defined by the client. See Metadata.
- payment_fees
- Defines transaction fees and foreign exchange fees. These are fees that the Rapyd merchant can define for its consumers in addition to the payment amount. They are not related to the fees Rapyd charges to its clients.
  transaction_fee
  Describes the fee for processing the transaction.
  calc_type
  Specifies how the fee is calculated. One of the following:
  net - The fee is deducted from the amount paid. For example, in a payment of $100 with a fee of 5%, the recipient receives $95.00 and the $5.00 fee goes to the client wallet.
  gross - The fee is added to the amount paid. For example, for a transaction of $100 with a fee of 5%, the sender pays $105.00.
  fee_type
  One of the following:
  percentage - A percentage of the transaction amount. For example, 5 percent is represented by value=5.
  absolute - A fixed amount.
  value
  The amount of the fee.
  fx_fee
  Describes the fees for processing the currency exchange. Relevant to payments with FX.
  calc_type
  Specifies how the fee is calculated. One of the following:
  net - The fee is deducted from the amount paid. For example, in a payment of $100 with a fee of 5%, the recipient receives $95.00 and the $5.00 fee goes to the client wallet.
  gross - The fee is added to the amount paid. For example, for a transaction of $100 with a fee of 5%, the sender pays $105.00.
  value
  The amount of the fee. Percentage.
  gross_fees
  The total gross fees for the transaction, in units defined by currency_code.
  net_fees
  The total net fees for the transaction, in units defined by merchant_requested_currency.
  total_merchant_fees
  The amount of the fee.
- payment_method
- String (payment_method ID) or object. If not specified in this field, the payment method is the default payment method specified for the customer. Required when there is no default payment method.
  digital_wallet
  Contains the fields that are required for a payment made with Google Pay or Apple Pay.
  type
  Result of the account name inquiry. One of the following values:
  apple_pay
  google_pay
  details
  Payload required by the digital wallet.
  fields
  Contains the fields that are required for the specific payment method.
  full_name
  Full name of the cardholder. When this object is included in the payment method, the network performs an account name inquiry (ANI). See also the related 'Verify Card with ANI - amount set to zero' request and response sample on this page.
  first_name
  Given name of the cardholder.
  middle_name
  Middle name of the cardholder.
  last_name
  Family name of the cardholder.
  type
  Name of the payment method type. For example, us_mastercard_card.
- payment_method_options
- Object describing additional payment method fields required for the payment. These values are not saved as part of the payment method object.
  To determine the fields required, run Get Payment Method Required Fields.
- receipt_email
- Email address that the receipt for this transaction is sent to.
  Required for Visa card payments with 3DS authentication. See Creating a Card Payment With 3DS Authentication - Rapyd 3DS for additional request parameters that are required for 3DS authentication.
- requested_currency
- Currency for one side of an FX transaction. Three-letter ISO 4217 code.
  - When fixed_side is sell, it is the currency received in the Rapyd Wallet.
  - When fixed_side is buy, it is the currency charged to the buyer (customer).
  Relevant to payments with FX.
  See also currency and fixed_side fields.
- save_payment_method
- Relevant to card payment methods when the request includes full card details. Determines whether Rapyd saves the payment method for future use.
  Note
  In the sandbox, card details are removed after six months.
  - true - Save the payment method for future use.
  - false - Do not save the payment method.
  false
- statement_descriptor
- A text description suitable for a customer's payment statement. 5-22 characters.

Response Parameters

- address
- Billing address associated with the payment. For details of fields in the 'address' object, see Create Address.
- amount
- The amount of the payment, in units of the currency defined in currency.
- auth_code
- Indicates that the card payment was authorized by the card network.
- authentication_result
- Details about the Three-Domain Secure (3DS) authentication of a card payment.
  eci
  Electronic Commerce Indicator (ECI) represents the level of security used when the cardholder submitted their card information for authentication. Two ECI values are listed for each description because VISA and Mastercard use different values.
  05 or 02: Authenticated by verifying the cardholder’s password or identity information. 3DS authentication was successful.
  06 or 01: Authentication was attempted, but not completed.
  07 or 00: Authentication failed or could not be attempted.
  result
  The result of an authentication request. One of the following:
  A: Authentication completed.
  N: Not authenticated. The account was not verified and the transaction was declined.
  R: Redirection of cardholder to 3DS authentication challenge. Awaiting cardholder action.
  U: Unsupported. Verification could not be performed. The liability shift was not accepted by 3DS.
  version
  3DS protocol version.
  cardholder_info
  Information provided by the issuer to a cardholder during the authentication process. For example, information to help the cardholder complete the payment authentication.
  Maximum length: 128 characters.
- cancel_reason
- Reason for cancellation or reversal of a payment.
- captured
- Indicates whether the payment has been successfully captured.
- complete_payment_url
- URL where the customer is redirected when payment is successful, after returning from an external page such as a 3DS page. Does not support localhost URLs.
- country_code
- The country of the payment method.
- created_at
- Time of creation of the object, in Unix time.
- currency_code
- - Transactions without FX - Indicates the currency of the amount received by the recipient.
  - FX transactions - Indicates the currency of the amount paid by the buyer.
- customer_token
- ID of the customer who is making the payment. String starting with cus_.
- description
- Description of the payment transaction.
- destination_card
- Filters the list for payments related to the specified destination card.
- dispute
- Details about the dispute, if the payment was disputed.
  amount
  Amount that Rapyd deducted from the merchant due to the dispute.
  central_processing_date
  The date the transaction was processed by the card network.
  created_at
  Time of creation of the dispute, in Unix time.
  currency
  Currency of the disputed transaction. Three-letter ISO 4217 code.
  dispute_category
  The category of dispute that was provided by the card network.
  dispute_reason_description
  A short description of the reason for the dispute.
  due_date
  The latest date for the dispute to be contested in Unix time.
  evidence
  Reserved.
  evidence_reason_code
  Reserved.
  ewallet_id
  ID of the wallet that the money is paid into. Relevant when the request includes a single wallet.
  id
  Reserved.
  original_dispute_amount
  Amount of the dispute, as reported to Rapyd.
  original_dispute_currency
  Currency of the disputed payment. Three-letter ISO 4217 code.
  original_transaction_amount
  Amount of the original payment.
  original_transaction_currency
  Currency of original_transaction_amount. Three-letter ISO 4217 code.
  original_transaction_id
  ID of the payment that the dispute is charged against.
  payment_method
  ID of the payment method.
  payment_method_data
  Details of the payment method that was used for the payment.
  pre_dispute
  When true, indicates that the disputed payment was automatically refunded based on pre-determined criteria.
  rate
  FX rate. Relevant to FX payments.
  status
  Indicates the status of the dispute. One of the following values:
  ACT (Active) - The dispute was initiated and is awaiting action by the merchant.
  RVW (Review) - Rapyd is reviewing the merchant's evidence contesting the dispute.
  PRA (Pre-Arbitration) - The card issuer challenged a previously contested dispute. The dispute is being reviewed.
  ARB (Arbitration) - The merchant rejected a pre-arbitration outcome. Rapyd is awaiting a ruling by an arbitration committee of the card schemes.
  LOS (Lose) - The merchant lost the dispute. Funds were deducted from the merchant wallet. Final status.
  WIN (Win) - The merchant won the dispute. Funds were credited to the merchant wallet. Final status.
  REV (Reverse) - The card issuer reversed the dispute. Funds were credited to the merchant wallet. Final status.
  token
  ID of the dispute.
  updated_at
  Time that the dispute was last updated, in Unix time.
- error_code
- Error code for the failure of the payment.
- error_message
- Reserved.
- error_payment_url
- URL where the customer is redirected when payment is not successful, after returning from an external page, such as a 3DS page. Does not support localhost URLs.
- escrow
- Details of the escrow for the payment. Relevant when the payment is created with escrow set to true.
  amount
  The amount in escrow, in units of the currency defined in currency in the payment.
  amount_on_hold
  Total amount of funds that are currently held in the escrow, in the currency defined in currency_code in the payment.
  created_at
  Date and time the escrow was created, in Unix time.
  currency
  The currency of the escrow balance. Three-letter ISO 4217 code.
  escrow_release_days
  Indicates the number of days after creation of the payment that funds are released from escrow. Funds are released at 5:00 pm GMT on the day indicated.
  escrow_releases
  Array of objects that describe individual releases.
  ewallets
  Array of objects that define the allocation of the release to multiple wallets.
  ewallet
  ID of the wallet, a string starting with ewallet_.
  amount
  The amount to release to this wallet. Relevant when percentage is not set.
  percentage
  The percentage of this escrow to release to this wallet. Relevant when amount is not set. On a partial release after the first, this refers to the percentage of the original amount of the escrow.
  Note
  All wallets in the array must be specified by amount or by percentage or neither. If neither amount nor percentage is set, the release is proportionate according to the split defined in the payment.
  last_payment_completion
  Date and time of the completion of the last payment or partial payment, in Unix time.
  payment
  ID of the payment, a string starting with payment_.
  status
  Status of the escrow. One of the following:
  pending - The payment and escrow were created, but the payment is not completed and the funds are not in the escrow.
  on_hold - The payment is completed and the funds are in escrow.
  canceled - The escrow is canceled.
  released - All or part of the funds have been released to the wallets.
  total_amount_released
  Total amount of funds that were released to the wallets, in the currency defined in currency_code in the payment response.
  updated_at
  Date and time of the last update to the escrow, in Unix time.
- escrow_release_days
- The number of days after creation of the payment that funds are released from escrow. Funds are released at 5:00 pm GMT on the day indicated.
- ewallet_id
- ID of the wallet that the money is paid into. String starting with ewallet_.
- ewallets
- Specifies the wallets that the money is collected into. If this is left blank, the money goes into the oldest collection-type client wallet. If there is no collection client wallet, the money goes into the oldest general-type client wallet.
  amount
  The amount of the payment to the wallet, in units of the currency defined in currency.
  ewallet_id
  ID of the wallet.
  percent
  The percentage that is paid to the wallet out of the total payment.
  refunded_amount
  The total amount refunded against this payment, in units of the currency defined in currency.
- expiration
- End of the time allowed for the customer to complete this payment, in Unix time.
  Note
  Relevant to card payments: In some cases, the card networks require a shorter expiration date of the payment. In these cases, the expiration will be updated. Refer to the PAYMENT_COMPLETED webhook to view the updated expiration value.
- failure_code
- Error code for failure of the payment.
- failure_message
- Message to the merchant, explaining the reason for failure of the payment.
- fixed_side
- Indicates whether the FX rate is fixed for the buy side (seller) or for the sell side (buyer).
  - buy - The currency that the Rapyd Wallet receives for goods or services. Fixed side buy relates to the seller (merchant) funds. For example, a US-based merchant wants to charge 100 USD. The buyer (customer) pays the amount in MXN that converts to 100 USD.
  - sell - The currency that the buyer is charged for purchasing goods or services. Fixed side sell relates to the buyer (customer) funds. For example, a US-based merchant wants to charge a buyer 2,000 MXN and will accept whatever amount in USD that is converted from 2,000 MXN.
- flow_type
- Reserved.
- fx_rate
- Exchange rate for the transaction.
  - When fixed_side is buy, fx_rate is the buy rate.
  - When fixed_side is sell, fx_rate is the sell rate.
- full_name
- Full name of the cardholder, as submitted for account name inquiry (ANI).
  first_name
  The cardholder's given name.
  middle_name
  The cardholder's middle name.
  last_name
  The cardholder's family name.
- group_payment
- ID of the group payment.
  Relevant when the payment is part of a group payment.
- id
- ID of the payment. String starting with payment_.
- initiation_type
- Indicates how the transaction was initiated. One of the following:
  - customer_present - The transaction was initiated by the customer.
  - installment - The transaction was initiated by a subscription where there is a fixed number of installments.
  - moto - The transaction was initiated by the merchant or Rapyd client for a mail order or telephone order.
  - recurring - The transaction was initiated by a subscription where charges are made at regular intervals and there is no end date.
  - unscheduled - The transaction is a top-up transaction that was previously authorized by the cardholder and was initiated by the merchant or Rapyd client.
- instructions
- Describes how the customer makes the payment.
  name
  Description of the payment method.
  steps
  An array containing a list of steps for the customer to take. Each step is named stepN, where N is an integer.
- invoice
- ID of the invoice that this payment is for.
- is_partial
- Indicates whether the payment has been partially paid. When false, indicates that the payment is unpaid or fully paid.
- merchant_advice_code
- Optional code with additional information about the payment for the merchant.
  The merchant_advice_message field describes the code.
- merchant_advice_message
- Description of the merchant advice code.
  Typically informs the merchant whether a declined transaction can be retried. If so, describes when and how to retry. For details, see Merchant Advice Codes.
  For successful payments, may describe limits on the reuse of a payment method, such as a single use virtual card or a non-reloadable prepaid card.
- merchant_ewallet
- The sub-merchant’s ewallet ID. As a Payment Facilitator (PayFac), you can create a card payment and direct the funds that the sub-merchant collects to your client wallet.
  Relevant to a PayFac.
- merchant_reference_id
- Identifier defined by the client for reference purposes. Limit: 45 characters.
- merchant_requested_amount
- Indicates the amount paid by the payer, in units of the currency defined in merchant_requested_currency.
  Relevant to payments with FX.
- merchant_requested_currency
- Indicates the currency that merchant receives. Three-letter ISO 4217 code.
  Relevant to payments with FX.
- metadata
- A JSON object defined by the client. See Metadata.
- mid
- Reserved.
- next_action
- Indicates the next action for completing the payment. One of the following values:
  3d_verification - The next action is 3DS authentication. Relevant only to card payments.
  pending_capture - The next action is pending the capture of the amount. Relevant only to card payments when the amount is not zero.
  pending_confirmation - The next action is pending the confirmation for the payment. Relevant to all payment methods excluding card payment.
  not_applicable - The payment has completed or the next action is not relevant.
- order
- ID of the order that this payment is for.
- original_amount
- - Payments not involving foreign exchange - The amount of the payment, in units of the currency defined in currency, including gross transaction fees.
  - Foreign exchange payments - The amount paid by the buyer, in units of the currency defined in currency_code, including gross transaction fees and gross FX fees.
- outcome
- Describes the outcome of the risk assessment.
  network_status
  Network status of the payment. One of the following:
  approved_by_network
  declined_by_network
  not_sent_to_network
  reversed_after_approval
  risk_level
  Assessment of the risk level of the payment. One of the following:
  normal
  elevated
  highest
  not_assessed
  seller_message
  Message to the merchant.
  type
  Indicates the outcome of the risk assessment. One of the following:
  authorized
  manual_review
  issuer_declined
  blocked
  invalid
  reason
  More detailed indication of the reason indicated by type. One of the following:
  highest_risk_level - Blocked by default rules.
  elevated_risk_level - Placed in review by default rules.
  rule - Placed in review by customer-designed rules.
- paid
- Indicates whether the payment has been fully captured.
- paid_at
- Time of the last capture, in Unix time.
- payment_fees
- Defines transaction fees and foreign exchange fees. These are fees that the Rapyd merchant can define for its consumers in addition to the payment amount. They are not related to the fees Rapyd charges to its clients.
  transaction_fee
  Describes the fee for processing the transaction.
  calc_type
  Specifies how the fee is calculated. One of the following:
  net - The fee is deducted from the amount paid. For example, in a payment of $100 with a fee of 5%, the recipient receives $95.00 and the $5.00 fee goes to the client wallet.
  gross - The fee is added to the amount paid. For example, for a transaction of $100 with a fee of 5%, the sender pays $105.00.
  fee_type
  One of the following:
  percentage - A percentage of the transaction amount. For example, 5 percent is represented by value=5.
  absolute - A fixed amount.
  value
  The amount of the fee.
  fx_fee
  Describes the fees for processing the currency exchange. Relevant to payments with FX.
  calc_type
  Specifies how the fee is calculated. One of the following:
  net - The fee is deducted from the amount paid. For example, in a payment of $100 with a fee of 5%, the recipient receives $95.00 and the $5.00 fee goes to the client wallet.
  gross - The fee is added to the amount paid. For example, for a transaction of $100 with a fee of 5%, the sender pays $105.00.
  value
  The amount of the fee. Percentage.
  gross_fees
  The total gross fees for the transaction, in units defined by currency_code.
  net_fees
  The total net fees for the transaction, in units defined by merchant_requested_currency.
  total_merchant_fees
  The amount of the fee.
- payment_method
- Payment method ID.
  Note
  Card payment method ID is not returned when the next_action is 3d_verification or when save_payment_method was set to false.
- payment_method_data
- Details of the payment method.
  account_last4
  Last four digits of the IBAN.
  Relevant to bank transfers.
  account_name_inquiry
  Data about the account name inquiry (ANI).
  account_name_inquiry_result
  Result of the account name inquiry. One of the following values:
  match - Indicates that the name provided in the request fully matched the issuing bank's records.
  partial match - Indicates that the name provided in the request partially matched the issuing bank's records.
  no match - Indicates that the name provided in the request did not match the issuing bank's records.
  not performed - Indicates that the account name inquiry was not performed.
  not supported - Indicates that the payment method does not support account name inquiries.
  account_name_inquiry_details
  Indicates the degree of matching each part of the cardholder's name.
  first_name
  Indicates the result of matching the cardholder's given name. One of the following values:
  match - Indicates that the first name provided in the request fully matched the first name in the issuing bank's records.
  partial match - Indicates that the first name provided in the request partially matched the first name in the issuing bank's records.
  no match - Indicates that first the name provided in the request did not match the first name in the issuing bank's records.
  middle_name
  indicates the result of matching the cardholder's middle name. One of the following values:
  match - Indicates that the middle name provided in the request fully matched the middle name in the issuing bank's records.
  partial match - Indicates that the middle name provided in the request partially middle the first name in the issuing bank's records.
  no match - Indicates that the middle name provided in the request did not match the middle name in the issuing bank's records.
  last_name
  indicates the result of matching the cardholder's family name. One of the following values:
  match - Indicates that the last name provided in the request fully matched the family name in the issuing bank's records.
  partial match - Indicates that the last name provided in the request partially matched the family name in the issuing bank's records.
  no match - Indicates that the last name provided in the request did not match the family name in the issuing bank's records.
  acs_check
  Results of the Access Control Server (ACS) check. Possible values:
  pass
  fail
  unavailable
  unchecked
  Relevant to cards.
  avs_check
  Results of the Address Verification Service (AVS) check.
  Relevant to Visa, Mastercard, Amex, and Discover cards.
  authentication_url
  URL of a page where the customer enters the IBAN and phone number for authentication.
  Relevant to some bank transfer payment methods.
  bic_swift
  BIC (Bank Identifier Code)/SWIFT code.
  bin_details
  Bank identification details. Relevant to cards.
  bin_number
  Bank identification number of the issuing bank.
  brand
  The brand of the card.
  country
  The country where the card was issued.
  issuer
  Name of the bank that issued the card.
  level
  The level of the card.
  type
  The type of card.
  category
  Category of payment method. One of the following:
  bank_redirect
  bank_transfer
  card
  cardtocard
  cash
  ewallet
  rapyd_ewallet
  cvv_check
  Verification of the card’s CVV. Valid values:
  pass
  fail
  unavailable
  unchecked
  Relevant to cards.
  digital_wallet
  Information about the digital wallet.
  pan_type
  Describes the type of PAN.
  type
  Describes the type of digital wallet.
  expiration_month
  The month when the expiration of the card occurs.
  Relevant to cards.
  expiration_year
  The year when the expiration of the card occurs.
  Relevant to cards.
  fingerprint_token
  Hash of the card number, expiration date and CVV.
  Relevant to cards.
  full_name
  Full name of the cardholder, as submitted for account name inquiry (ANI).
  first_name
  The cardholder's given name.
  middle_name
  The cardholder's middle name.
  last_name
  The cardholder's family name.
  id
  ID of the payment method.
  Note
  Card payment method ID is not returned when the next_action is 3d_verification or when save_payment_method was set to false.
  image
  A URL to the image of the icon for the payment method type.
  last4
  Last four digits of the card.
  Relevant to cards.
  metadata
  A JSON object defined by the client. See Metadata.
  network_reference_id
  Identifier for use in a recurring card payment.
  next_action
  Indicates the next action for completing the payment. One of the following values:
  3d_verification - The next action is 3DS. Relevant to card payments.
  pending_capture - The next action is pending the capture of the amount. Relevant to card payments when the amount is not zero.
  pending_confirmation - The next action is pending the confirmation for the payment. Relevant to all payment methods excluding card payment.
  not_applicable - The payment has completed or the next action is not relevant.
  payment_account_reference
  Payment Account Reference (PAR) number. An alphanumeric code that associates payments made by different tokens and physical cards that all represent the same payment account number (PAN). Appears only in card responses that include an EMVCo-compliant PAR.
  type
  Type of the payment card. Possible values:
  credit
  debit
  prepaid
  unknown
  Relevant to cards.
  supporting_documentation
  Reserved.
  webhook_url
  Reserved.
- payment_method_options
- Object describing additional payment method fields for the payment. These values are not saved as part of the payment method object.
- payment_method_type
- The type of payment method.
- payment_method_type_category
- Category of payment method type. One of the following:
  - bank_redirect
  - bank_transfer
  - card
  - cash
  - ewallet
  - rapyd_ewallet
- receipt_email
- Email address that the receipt for this transaction is sent to.
  Required for Visa card payments with 3DS authentication. See Creating a Card Payment With 3DS Authentication - Rapyd 3DS for additional request parameters that are required for 3DS authentication.
- receipt_number
- Reserved.
- redirect_url
- URL where the customer is redirected for additional steps for the payment.
- refunded
- Indicates whether there was a refund against this payment.
- refunded_amount
- The total amount refunded against this payment, in units of the currency defined in currency.
- refunds
- An array containing a data object:
  data
  A list of up to three refund objects.
  has_more
  Indicates whether there are more than three refunds against this payment.
  total_count
  Total number of refunds against this payment.
  url
  URL for requesting all of the refunds against this payment.
- remitter_information
- Contains the remitter's name and bank account information. This includes:
  account_id
  Number of the remitter's bank account.
  bank_code
  SWIFT code for the remitter's bank.
  name
  Name of the remitter.
- requested_currency
- Currency for one side of an FX transaction. Three-letter ISO 4217 code.
  - When fixed_side is sell, it is the currency received in the Rapyd Wallet.
  - When fixed_side is buy, it is the currency charged to the buyer (customer).
- save_payment_method
- Relevant to card payment methods when the request included full card details. Indicates whether Rapyd saved the payment method for future use.
- statement_descriptor
- A text description suitable for a customer's payment statement. 5-22 characters.
- status
- Indicates the status of the payment. One of the following:
  - ACT - Active and awaiting completion of 3DS or capture. Can be updated.
  - CAN - Canceled by the client or the customer's bank.
  - CLO - Closed.
  - ERR - Error. An attempt was made to create or complete a payment, but it failed.
  - EXP - The payment has expired.
  - REV - Reversed by Rapyd. See cancel_reason.
- textual_codes
- A set of text codes for the customer to use to complete the steps described in the instructions field. The name of the field is the local name of the code, or some other label. For example:
  - code
  - paycode
  - payid
  - pairing_code
  - payment_code
  - response_code
- transaction_id
- ID of the associated transaction.
- transaction_link_id
- A unique transaction identifier.
  Save the ID to link future lifecycle and economically-related transactions to the current transaction.
  Relevant to Mastercard transactions for a client authorized to use a network reference ID. See Creating a Card Payment with a Network Reference ID.
- visual_codes
- A set of images for the customer to use to complete the steps described in the instructions field. For example, a QR code or barcode.

/v1/payments

Default payment method

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"amount": 45.00,
	"currency": "E",
	"customer": "cus_4e25112ac20e144ad073a614dc46934b",
	"description": "Payment by customer's default payment method" 
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "5e81e0ba-2495-4a7f-babc-5b6e820db572"
    },
    "data": {
        "id": "payment_d31d3ca850419ab5e2f9f1a33f9c6eea",
        "amount": 45,
        "original_amount": 45,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "GB",
        "status": "CLO",
        "description": "Payment by customer's default payment method",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "35",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "507150",
            "payment_account_reference": "V00180MCW82MN270KDRQO8AJNBBMJ"
        },
        "auth_code": null,
        "expiration": 1756896871,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1756292071,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1756292071,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 45,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by payment method ID

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 101,
    "currency": "USD",
    "description": "Payment method ID",
    "payment_method": "card_b9548d9b53a565b2315fecdc6c87f158"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "9a5cbd17-7034-4146-bb4f-c1aa67641a69"
    },
    "data": {
        "id": "payment_5b8372a7ea0e4a1b5f40013f06ce0c2e",
        "amount": 101,
        "original_amount": 101,
        "is_partial": false,
        "currency_code": "USD",
        "country_code": "GB",
        "status": "CLO",
        "description": "Payment method ID",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "35",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "507150",
            "payment_account_reference": "V001H302ZOJ8ZHQO5U9LTVFOHI1MF"
        },
        "auth_code": null,
        "expiration": 1761571693,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760966893,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1760966894,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 101,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 100,
    "currency": "EUR",
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "payment_method": {
        "type": "au_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "29",
            "name": "John Doe",
            "cvv": "345",
            "date_of_birth": "12/25/1960"
        }
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "0a0549f8-6cd0-4120-beeb-a475485a4d67"
    },
    "data": {
        "id": "payment_0793a55c14f73cd4898b403f542aab85",
        "amount": 100,
        "original_amount": 100,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "au",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "au_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "date_of_birth": "12/25/1960",
            "expiration_year": "29",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V0011ABFUQ72WJTXWAJRLT9KHXDAM"
        },
        "auth_code": null,
        "expiration": 1755697998,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1755093198,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1755093199,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "au_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - save payment method

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' /
-H 'access_key: your-access-key-here' /
-H 'Content-Type: application/json' /
-H 'idempotency: your-idempotency-parameter-here' /
-H 'salt: your-random-string-here' /
-H 'signature: your-calculated-signature-here' /
-H 'timestamp: your-unix-timestamp-here' /
--data-raw '{
    "amount": 10,
    "currency": "GBP",
    "capture": true,
    "description": "Save payment method",
    "payment_method": {
        "type": "gb_visa_card",
        "fields": {
            "recurrence_type": "installment",
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "111"
        }
    },
    "payment_method_options": {},
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "save_payment_method": true,
    "initiation_type": "customer_present"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "26f33e0b-d540-45d0-9da1-02fb3600e40f"
    },
    "data": {
        "id": "payment_8f486badb0600445e8501a1117913aab",
        "amount": 10,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "CLO",
        "description": "Save payment method",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "card_7df57df7ba27b8e5442c1b8362dd8c4a",
        "payment_method_data": {
            "id": "card_7df57df7ba27b8e5442c1b8362dd8c4a",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "recurrence_type": "installment",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001IO6MP4LYWPSMQJKSU376SJVP8"
        },
        "auth_code": null,
        "expiration": 1761571984,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760967183,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1760967184,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - Use saved payment method

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 1000,
    "currency": "ISK",
    "capture": true,	
    "description": "Use saved payment method",
    "payment_method": "card_b9548d9b53a565b2315fecdc6c87f158",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "initiation_type": "recurring",
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net",
    "save_payment_method": false
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "9797053a-4ed7-48c8-a010-9829eaadd373"
    },
    "data": {
        "id": "payment_d42b0eba249e8779bd19fca3f136b4bf",
        "amount": 1000,
        "original_amount": 1000,
        "is_partial": false,
        "currency_code": "ISK",
        "country_code": "GB",
        "status": "CLO",
        "description": "Use saved payment method",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "35",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "507150",
            "payment_account_reference": "V001R7EI1NNF3C1PNV6EJ27UT2IFF"
        },
        "auth_code": null,
        "expiration": 1761572326,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760967526,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1760967526,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 1000,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "recurring",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - do not save payment method

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 10,
    "currency": "EUR",
    "capture": true,
    "description": "Card not saved",
    "customer": "cus_5bee14584a78638ba717e746be62ee01",
    "payment_method": {
        "type": "gb_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "05",
            "expiration_year": "25",
            "cvv": "111"
        }
    },
    "payment_method_options": {},
    "save_payment_method": false,
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "101c050e-a57d-4b77-b62e-cc7e27e2cc40"
    },
    "data": {
        "id": "payment_dcdfd5e8b50105995a2a20f886e76896",
        "amount": 10,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "GB",
        "status": "CLO",
        "description": "Card not saved",
        "merchant_reference_id": "",
        "customer_token": "cus_5bee14584a78638ba717e746be62ee01",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "05",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001L2NFT7238QXAY976FD35LV0E7"
        },
        "auth_code": null,
        "expiration": 1755700958,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1755096158,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1755096158,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - authorization only

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 10,
    "currency": "EUR",
    "capture": false,
    "description": "payment by card",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "payment_method": {
        "type": "gb_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "05",
            "expiration_year": "30",
            "cvv": "111"
        }
    },
    "payment_method_options": {},
    "save_payment_method": true,
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "ae837c95-db07-4141-a181-762c4f3d68ba"
    },
    "data": {
        "id": "payment_8f7974b9fa8a3518e15ac2719b99bf72",
        "amount": 0,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "GB",
        "status": "ACT",
        "description": "payment by card",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "card_59b2438d5c603dd5bc4374a25421399c",
        "payment_method_data": {
            "id": "card_59b2438d5c603dd5bc4374a25421399c",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "05",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456"
        },
        "auth_code": null,
        "expiration": 1761572536,
        "captured": false,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760967736,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_capture",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - CVV required on subsequent payment

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 100,
    "currency": "ISK",	
    "payment_method": "card_b9548d9b53a565b2315fecdc6c87f158",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "payment_method_options": {
        "cvv": "123"
    },
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "52887c3e-7820-4d22-988c-bfacb6170b5b"
    },
    "data": {
        "id": "payment_0528e3c662b8e75e32b02aa2c36136ec",
        "amount": 100,
        "original_amount": 100,
        "is_partial": false,
        "currency_code": "ISK",
        "country_code": "GB",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "35",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "507150",
            "payment_account_reference": "V001W9RBI5BF1FT1D3D8TJNZ7QQW3"
        },
        "auth_code": null,
        "expiration": 1761572661,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760967861,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1760967862,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - merchant advice in response

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 15,
    "currency": "ISK",
    "capture": true,
    "description": "Merchant Advice",
    "payment_method": {
        "type": "gb_mastercard_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "111",
            "name": "John Doe"
        }
    },
    "payment_method_options": {
        "3d_required": true
    },
    "save_payment_method": false,
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "8b263aba-c111-4cbf-885c-cbd90ac42503"
    },
    "data": {
        "id": "payment_318dfb3b60912e7706b7643742af5804",
        "amount": 0,
        "original_amount": 15,
        "is_partial": false,
        "currency_code": "ISK",
        "country_code": "GB",
        "status": "ACT",
        "description": "Merchant Advice",
        "merchant_reference_id": "",
        "customer_token": "cus_32befb4da17552376fa6bd6b51bca001",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_mastercard_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "payment_account_reference": "V001VW8O890ECBPBDQDCX8BUYOH28",
            "network_reference_id": "853100"
        },
        "auth_code": null,
        "expiration": 1761466717,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_318dfb3b60912e7706b7643742af5804",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760861917,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 15,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true
        },
        "payment_method_type": "gb_mastercard_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Verify card with ANI - amount set to zero

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 0,
    "currency": "GBP",
    "capture": false,
    "save_payment_method": true,
    "customer": {
        "name": "John",
        "email": "johndoe@rapyd.net"
    },
    "payment_method": {
        "type": "gb_visa_card",
        "full_name": {
            "first_name": "John",
            "middle_name": "Johnson",
            "last_name": "Doe"
        },
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "02",
            "expiration_year": "27",
            "name": "John Doe",
            "cvv": "345"
        }
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "f3097094-df3f-4f19-a19c-d07156ec40de"
    },
    "data": {
        "id": "payment_5a32b5989155ba3b75454edba4f52401",
        "amount": 0,
        "original_amount": 0,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_c14579755a7f069a7a8ffa7245aa17cf",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "full_name": {
                "first_name": "John",
                "middle_name": "Johnson",
                "last_name": "Doe"
            },
            "account_name_inquiry": {
                "account_name_inquiry_result": "not_performed",
                "account_name_inquiry_details": {
                    "last_name": null,
                    "first_name": null,
                    "middle_name": null
                }
            },
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "27",
            "expiration_month": "02",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "payment_account_reference": "V00173Z6DA132UM78105DND4YLZMU",
            "network_reference_id": "828761"
        },
        "auth_code": null,
        "expiration": 1761572794,
        "captured": false,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_5a32b5989155ba3b75454edba4f52401",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760967994,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": null,
        "ewallets": [],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Cancelable payment

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"amount": 101,
	"currency": "PHP",
	"description": "Cancelable payment",
	"customer": "cus_4e25112ac20e144ad073a614dc46934b",
	"payment_method": {
		"type": "ph_general_fsm_ewallet",
		"fields": {}
	}
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "1bd54073-4207-428e-971f-108230838372"
    },
    "data": {
        "id": "payment_4fb5a4f6c82eb1c5dea943ab9b450f5d",
        "amount": 0,
        "original_amount": 101,
        "is_partial": false,
        "currency_code": "PHP",
        "country_code": "PH",
        "status": "ACT",
        "description": "Cancelable payment",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "other_320dcc4bb4b962f442f602f4a7a2afec",
        "payment_method_data": {
            "id": "other_320dcc4bb4b962f442f602f4a7a2afec",
            "type": "ph_general_fsm_ewallet",
            "category": "ewallet",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762178312,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/complete-bank-payment?token=payment_4fb5a4f6c82eb1c5dea943ab9b450f5d",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760968712,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 101,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "ph_general_fsm_ewallet",
        "payment_method_type_category": "ewallet",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by cash

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 100,
    "currency": "MXN",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "description": "Payment by cash",
    "payment_method": {
        "type": "mx_spei_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "8c01bd8d-8cc2-40cd-9b7d-50151b53bb6f"
    },
    "data": {
        "id": "payment_8f76c41fa45b3016b46f714b27ef47fe",
        "amount": 0,
        "original_amount": 100,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "Payment by cash",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "other_2f64289cbce38467f45720f146302860",
        "payment_method_data": {
            "id": "other_2f64289cbce38467f45720f146302860",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762178900,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760969300,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "459270824744130595"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by bank transfer

curl -X post https://sandboxapi.rapyd.net/v1/payments
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "amount": 100,
    "currency": "MXN",
    "description": "Payment by bank transfer",
    "payment_method": {
        "type": "mx_spei_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "fd8f3b20-c5e8-42bf-82a5-74df4445d2f1"
    },
    "data": {
        "id": "payment_6db1a89314cdd7ff8665070a6755534a",
        "amount": 0,
        "original_amount": 100,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "Payment by bank transfer",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "other_3b39d0b9d3018b52377270f0e6f82826",
        "payment_method_data": {
            "id": "other_3b39d0b9d3018b52377270f0e6f82826",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762179734,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760970134,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "326743511987408013"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by bank redirect

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 1100,
    "currency": "COP",
    "description": "Payment by bank redirect",
    "payment_method": {
        "type": "co_bancodebogota_bank",
        "fields": {}
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "d664359e-2274-452a-b442-7988721e368b"
    },
    "data": {
        "id": "payment_9b640b3c77fd9043be758fd05c9d5306",
        "amount": 0,
        "original_amount": 1100,
        "is_partial": false,
        "currency_code": "COP",
        "country_code": "CO",
        "status": "ACT",
        "description": "Payment by bank redirect",
        "merchant_reference_id": "",
        "customer_token": "cus_5c0d74aa77120294c507bc5ae87c7746",
        "payment_method": "other_b868ad9de6e08014cb432b1f706648bc",
        "payment_method_data": {
            "id": "other_b868ad9de6e08014cb432b1f706648bc",
            "type": "co_bancodebogota_bank",
            "category": "bank_redirect",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762180022,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/complete-bank-payment?token=payment_9b640b3c77fd9043be758fd05c9d5306",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760970422,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "You will be redirected to a bank payment page to complete the payment"
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 1100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "co_bancodebogota_bank",
        "payment_method_type_category": "bank_redirect",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by local eWallet

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"amount": 1000,
	"currency": "BRL",
	"payment_method": {
		"type": "br_pix_ewallet",
		"fields": {
			"address_name": "John Doe",
			"first_name": "John",
			"last_name": "Doe",
			"address_line_1": "123 First Street",
			"address_city": "Anytown",
			"address_zip": "12345",
			"address_state": "Bahia",
			"phone_number": "551234566789",
			"email": "johndoe@rapyd.net",
			"product_name": "Groceries",
			"cpf|cnpj": "12345678901234"
		}
	}
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "0646b767-8628-438e-8476-0f7eacca255c"
    },
    "data": {
        "id": "payment_6396e20c4a3556aa6dfc1bda0021c403",
        "amount": 0,
        "original_amount": 1000,
        "is_partial": false,
        "currency_code": "BRL",
        "country_code": "BR",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a71a661a63d2339ce12fe38665c6d8b7",
        "payment_method": "other_73799e35e9496b7dc85374a6d34fecd3",
        "payment_method_data": {
            "id": "other_73799e35e9496b7dc85374a6d34fecd3",
            "type": "br_pix_ewallet",
            "category": "ewallet",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": "",
            "email": "johndoe@rapyd.net",
            "cpf|cnpj": "12345678901234",
            "last_name": "Doe",
            "first_name": "John",
            "address_zip": "12345",
            "address_city": "Anytown",
            "address_name": "John Doe",
            "phone_number": "551234566789",
            "product_name": "Groceries",
            "address_state": "Bahia",
            "address_line_1": "123 First Street"
        },
        "auth_code": null,
        "expiration": 1761575923,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760971123,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {
            "code": "paygw_011aa946a596c3e9d42106cfc4395c4a"
        },
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Please scan the QR Code with your PIX supported app."
                    },
                    {
                        "step2": "Alternatively, copy the PIX code and upload it using your PIX supported app."
                    },
                    {
                        "step3": "The QR code is single-use only. Once payment is successful, the QR code is expired"
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 1000,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "br_pix_ewallet",
        "payment_method_type_category": "ewallet",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment split by amount

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 2500,
    "currency": "COP",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "payment_method": {
        "type": "co_debit_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123"
        }
    },
    "description": "Split payment to 2 wallets",
    "capture": true,
    "ewallets": [
        {
            "ewallet": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
            "amount": 2000
        }, 
        {
            "ewallet": "ewallet_3cd928611934717f283df049a2c7c17e",
            "amount": 500
        }
    ]
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "af17c55d-6ff0-4463-9d3b-85915bfbbb8b"
    },
    "data": {
        "id": "payment_644730370884e6449603317e862b7bb4",
        "amount": 0,
        "original_amount": 2500,
        "is_partial": false,
        "currency_code": "COP",
        "country_code": "co",
        "status": "ACT",
        "description": "Split payment to 2 wallets",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "co_debit_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "name": null,
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "payment_account_reference": "V001ZE59ZSD31COAQDNZM630MFFPK",
            "network_reference_id": "135002"
        },
        "auth_code": null,
        "expiration": 1761577084,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_644730370884e6449603317e862b7bb4",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760972284,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": null,
        "ewallets": [
            {
                "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                "amount": 2000,
                "percent": 80,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_3cd928611934717f283df049a2c7c17e",
                "amount": 500,
                "percent": 20,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "co_debit_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Payment split by percentage

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 1000,
    "currency": "COP",
    "payment_method": {
        "type": "co_debit_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123",
            "name": "John Doe"
        }
    },
    "description": "Split payment example",
    "ewallets": [
        {
            "ewallet": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
            "percentage": 12.05
        },
        {
            "ewallet": "ewallet_3801e782955b29955445586a2405a5db",
            "percentage": 25
        },
        {
            "ewallet": "ewallet_3cd928611934717f283df049a2c7c17e",
            "percentage": null
        }
    ]
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "c04949b0-2500-41c9-960f-0ab6ece341cd"
    },
    "data": {
        "id": "payment_f2a09ce82a27f6f13b7e86415922a302",
        "amount": 1000,
        "original_amount": 1000,
        "is_partial": false,
        "currency_code": "COP",
        "country_code": "co",
        "status": "CLO",
        "description": "Split payment by amount",
        "merchant_reference_id": "",
        "customer_token": "cus_e6e8c34d8d3949e5438483fa55b5f0d1",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "co_debit_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001F5VE0G8TJ4JVPE96K78KOXADM"
        },
        "auth_code": null,
        "expiration": 1761577367,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1760972567,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1760972567,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": null,
        "ewallets": [
            {
                "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                "amount": 120.5,
                "percent": 12.05,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_3cd928611934717f283df049a2c7c17e",
                "amount": 629.5,
                "percent": 62.95,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_3801e782955b29955445586a2405a5db",
                "amount": 250,
                "percent": 25,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "co_debit_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with payment method options

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 1000,
    "currency": "COP",
    "payment_method": {
        "type": "co_debit_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123",
            "name": "John Doe"
        }
    },
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "payment_method_options": {
        "3d_required": true
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "fe5e22d6-a554-4665-8732-ed7f5e14b1b9"
    },
    "data": {
        "id": "payment_447d1b745274a6794d44f311cf9321b7",
        "amount": 0,
        "original_amount": 1000,
        "is_partial": false,
        "currency_code": "COP",
        "country_code": "co",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "co_debit_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "payment_account_reference": "V001L3XSHUPFUJL6RIKU2CBS6XKVL",
            "network_reference_id": "560217"
        },
        "auth_code": null,
        "expiration": 1761637504,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_447d1b745274a6794d44f311cf9321b7",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761032704,
        "metadata": {
            "merchant_defined": "created"
        },
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 1000,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true
        },
        "payment_method_type": "co_debit_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Create payment with escrow

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw
 '{
 	"amount": 45.00,
	"currency": "EUR",
	"customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "error_payment_url": "https://error.rapyd.net",
    "complete_payment_url": "https://complete.rapyd.net",
    "escrow": true
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "803daf8e-4c5d-4da0-a011-10c7b8225b50"
    },
    "data": {
        "id": "payment_a7f40f90f6140a9f69459284330ee6f2",
        "amount": 45,
        "original_amount": 45,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "GB",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "gb_visa_card",
            "category": "card",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "35",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "507150",
            "payment_account_reference": "V001YTLVBTQVMTBJSCKQMORGLB9UT"
        },
        "auth_code": null,
        "expiration": 1756899358,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1756294558,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1756294559,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 45,
                "percent": 100,
                "released_amount": 0,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": {
            "id": "escrow_6c435c866b0377496599225bc780a82a",
            "payment": "payment_a7f40f90f6140a9f69459284330ee6f2",
            "currency": "EUR",
            "amount_on_hold": 45,
            "total_amount_released": 0,
            "status": "on_hold",
            "escrow_release_days": null,
            "created_at": 1756294558,
            "updated_at": 1756294558,
            "last_payment_completion": 1756294559
        },
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Group payment - replace payment

curl -X post https://sandboxapi.rapyd.net/v1/payments
-H 'access_key: your-access-key-here'
-H 'Content-Type: application/json'
-H 'idempotency: your-idempotency-parameter-here'
-H 'salt: your-random-string-here'
-H 'signature: your-calculated-signature-here'
-H 'timestamp: your-unix-timestamp-here'
-d '{
    "amount": 30,
    "currency": "GBP",
    "group_payment": "gp_07823bc646fab8d16d6d7807a5eabcb3",
    "payment_method": {
        "type": "gb_visa_extended_card"
    }
}
'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "ebcb46df-ab74-4dac-abcd-4f4d876d177e"
    },
    "data": {
        "id": "payment_a01bea383e7f81b41e4651bc12db18e9",
        "amount": 0,
        "original_amount": 30,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "de",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_b41b355084d033d1e2e993ae632472c9",
        "payment_method": "other_4b8d02ce749b38cca5a259a270945c88",
        "expiration": 0,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandbox-gateway.safetypay.com/Express4/Checkout/index?TokenID=eaee17d8-c052-4cd5-8e11-d3f048af87bf&ChannelID=ONLINE&CountryID=DEU",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "",
        "transaction_id": "",
        "created_at": 1574943107,
        "metadata": {
      		"merchant_defined": "true"
    		},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                  {
                   "step1": "You will be redirected to a bank payment page to complete the payment"
                  }
                ]
            }
        ],
        "ewallet_id": null,
        "ewallets": [],
        "payment_method_options": {},
        "payment_method_type": "de_girogate_bank",
        "payment_method_type_category": "bank_redirect",
        "fx_rate": "",
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "gp_0fdd0950660ed4eaeb130fa6d0297851",		
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Funding Wallet with FX - fixed side buy

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here'
--data-raw '{
    "amount": 400,
    "currency": "EUR",
    "payment_method": {
		    "type": "mx_spei_bank"
	  },
    "ewallets": [
    	  {
            "ewallet": "ewallet_3801e782955b29955445586a2405a5db",
            "percentage": 100
        }
    ],
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "expiration": 1762000000,
    "fixed_side": "buy",
    "requested_currency": "MXN"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "a4470f03-66a5-4e8c-84d1-0ef4dd72e324"
    },
    "data": {
        "id": "payment_d810643e550805289f95f8ba5665099f",
        "amount": 0,
        "original_amount": 8772.2,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_c6bfa3b39104dfefafa051ead7430d73",
        "payment_method_data": {
            "id": "other_c6bfa3b39104dfefafa051ead7430d73",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762000000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761049030,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "779373207299697011"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_3801e782955b29955445586a2405a5db",
        "ewallets": [
            {
                "ewallet_id": "ewallet_3801e782955b29955445586a2405a5db",
                "amount": 400,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 0.0455986132,
        "merchant_requested_currency": "EUR",
        "merchant_requested_amount": 400,
        "fixed_side": "buy",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Funding wallet with FX - fixed side sell

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 496,
    "currency": "EUR",
    "ewallets": [
    	  {
            "ewallet": "ewallet_3801e782955b29955445586a2405a5db",
            "percentage": 100
        }
    ],
    "expiration": 1762000000,
    "fixed_side": "sell",
    "payment_method": {
        "type": "de_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123",
            "name": "John Doe"
        }
    },
    "requested_currency": "PHP"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "417ef430-4a50-45ce-8554-133abc961530"
    },
    "data": {
        "id": "payment_8adec4c23b13247b915fbc81e1b8efcc",
        "amount": 496,
        "original_amount": 496,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "DE",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_c90999c059bd38606dcdb26d6489df3c",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "de_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001TA6C8B14G1AOZGW4WTSHGYAW9"
        },
        "auth_code": null,
        "expiration": 1761654767,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761049967,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761049967,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_3801e782955b29955445586a2405a5db",
        "ewallets": [
            {
                "ewallet_id": "ewallet_3801e782955b29955445586a2405a5db",
                "amount": 28785.81,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "de_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 58.0359022372,
        "merchant_requested_currency": "PHP",
        "merchant_requested_amount": 28785.81,
        "fixed_side": "sell",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with initiation type set

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 101,
    "currency": "USD",
    "description": "Payment method token",
    "initiation_type": "moto",
    "payment_method": "other_a6482588e94ae3d8d4cb40302af9f6ba",
    "ewallets": [
        {
            "ewallet": "ewallet_1290eef66d0b84ece177a3f5bd8fb0c8",
            "percentage": 100
        }
    ]
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "8c71cba9-7446-4838-a23a-1b7fe325bd7e"
    },
    "data": {
        "id": "payment_daf596331170740554021e4594eb698c",
        "amount": 0,
        "original_amount": 101,
        "is_partial": false,
        "currency_code": "USD",
        "country_code": "CO",
        "status": "ACT",
        "description": "Payment method token",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_a6482588e94ae3d8d4cb40302af9f6ba",
        "payment_method_data": {
            "id": "other_a6482588e94ae3d8d4cb40302af9f6ba",
            "type": "co_bancocolpatria_bank",
            "category": "bank_redirect",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762259999,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/complete-bank-payment?token=payment_daf596331170740554021e4594eb698c",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761050399,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "You will be redirected to a bank payment page to complete the payment"
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_1290eef66d0b84ece177a3f5bd8fb0c8",
        "ewallets": [
            {
                "ewallet_id": "ewallet_1290eef66d0b84ece177a3f5bd8fb0c8",
                "amount": 101,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "co_bancocolpatria_bank",
        "payment_method_type_category": "bank_redirect",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "moto",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Split payment with FX - fixed side buy

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 250,
    "currency": "EUR",
    "payment_method": {
        "type": "fr_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123"
        }
    },
    "description": "Split payment with FX - fixed side buy",
    "capture": true,
    "ewallets": [{
            "ewallet": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
            "amount": 200
        }, {
            "ewallet": "ewallet_755b0fd11fd22b33328fff7d30f3ce30",
            "amount": 50
        }
    ],
    "expiration": 1762000000,
    "fixed_side": "buy",
    "requested_currency": "USD"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "933ea003-66d5-4de9-912b-cadb59794cf7"
    },
    "data": {
        "id": "payment_a0549e7cf6ad209a573d5a7361ce601b",
        "amount": 268.4,
        "original_amount": 268.4,
        "is_partial": false,
        "currency_code": "USD",
        "country_code": "FR",
        "status": "CLO",
        "description": "Split payment with FX - fixed side buy",
        "merchant_reference_id": "",
        "customer_token": "cus_ceb45419d8b22afe8781ed218818c1e1",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "fr_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001YVNRQY67A64R9PAOOFIG1PHSC"
        },
        "auth_code": null,
        "expiration": 1761656884,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761052084,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761052084,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": null,
        "ewallets": [
            {
                "ewallet_id": "ewallet_755b0fd11fd22b33328fff7d30f3ce30",
                "amount": 50,
                "percent": 20,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                "amount": 200,
                "percent": 80,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "fr_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 0.9314382272,
        "merchant_requested_currency": "EUR",
        "merchant_requested_amount": 250,
        "fixed_side": "buy",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Split payment with FX - fixed side sell

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 250,
    "currency": "EUR",
    "payment_method": {
        "type": "fr_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123"
        }
    },
    "description": "Split payment with FX - fixed side sell",
    "capture": true,
    "ewallets": [{
            "ewallet": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
            "amount": 200
        }, {
            "ewallet": "ewallet_755b0fd11fd22b33328fff7d30f3ce30",
            "amount": 50
        }
    ],
    "expiration": 1762000000,
    "fixed_side": "sell",
    "requested_currency": "USD"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "3ce7f3c9-0c67-43a5-8385-5f6f5db4af79"
    },
    "data": {
        "id": "payment_9dcf74d2a4681f5de1bddb2156067d60",
        "amount": 250,
        "original_amount": 250,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "FR",
        "status": "CLO",
        "description": "Split payment with FX - fixed side sell",
        "merchant_reference_id": "",
        "customer_token": "cus_29dd99aec2202665b0f0da4bb5a3626c",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "fr_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001BS2EW8PN20ABVRT52157GV2ND"
        },
        "auth_code": null,
        "expiration": 1761657091,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761052291,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761052291,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": null,
        "ewallets": [
            {
                "ewallet_id": "ewallet_755b0fd11fd22b33328fff7d30f3ce30",
                "amount": 50.2,
                "percent": 20,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                "amount": 200.78,
                "percent": 80,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "fr_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1.0039151914,
        "merchant_requested_currency": "USD",
        "merchant_requested_amount": 250.98,
        "fixed_side": "sell",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with FX - fixed side buy - gross absolute fees

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 100,
    "currency": "USD",
    "requested_currency": "MXN",
    "fixed_side": "buy",
    "expiration": 1762000000,
    "payment_fees": {
        "transaction_fee": {
            "calc_type": "gross",
            "fee_type": "absolute",
            "value": 2
        },
        "fx_fee": {
            "calc_type": "gross",
            "fee_type": "percentage",
            "value": 2.5
        }
    },
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "payment_method": {
        "type": "mx_spei_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "f1c553d7-04f1-48ce-9a4e-df239733ff87"
    },
    "data": {
        "id": "payment_ae1e1ef5719bd4d0ca71d72cbc7db176",
        "amount": 0,
        "original_amount": 2207.45,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_1755d26eb3489268fa0645318ebca583",
        "payment_method_data": {
            "id": "other_1755d26eb3489268fa0645318ebca583",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762000000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761052557,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "040469329057821981"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 104.5,
                "percent": 104.5,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 0.0473397546,
        "merchant_requested_currency": "USD",
        "merchant_requested_amount": 104.5,
        "fixed_side": "buy",
        "payment_fees": {
            "transaction_fee": {
                "calc_type": "gross",
                "value": 2,
                "fee_type": "absolute"
            },
            "fx_fee": {
                "calc_type": "gross",
                "value": 2.5
            },
            "gross_fees": 4.5,
            "net_fees": 0,
            "total_merchant_fees": 0.09
        },
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with FX - fixed side buy - net absolute fees

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 100,
    "currency": "USD",
    "requested_currency": "MXN",
    "fixed_side": "buy",
    "expiration": 1762000000,
    "payment_fees": {
        "transaction_fee": {
            "calc_type": "net",
            "fee_type": "absolute",
            "value": 2
        },
        "fx_fee": {
            "calc_type": "net",
            "fee_type": "percentage",
            "value": 2.5
        }
    },
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "payment_method": {
        "type": "mx_spei_bank"
	}
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "c9ff8b8d-a16d-469f-83d5-75098acf6fdc"
    },
    "data": {
        "id": "payment_7edadab53e57316c302ebffeafa85598",
        "amount": 0,
        "original_amount": 2112.39,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_1c397ae612b0ff4a848dbb76f5cd95cc",
        "payment_method_data": {
            "id": "other_1c397ae612b0ff4a848dbb76f5cd95cc",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762000000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761052891,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "029244068804912021"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 0.0473397546,
        "merchant_requested_currency": "USD",
        "merchant_requested_amount": 100,
        "fixed_side": "buy",
        "payment_fees": {
            "transaction_fee": {
                "calc_type": "net",
                "value": 2,
                "fee_type": "absolute"
            },
            "fx_fee": {
                "calc_type": "net",
                "value": 2.5
            },
            "gross_fees": 0,
            "net_fees": 4.5,
            "total_merchant_fees": 0.09
        },
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with FX - fixed side sell - gross absolute fees

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": "100",
    "currency": "MXN",
    "requested_currency": "USD",
    "fixed_side": "sell",
    "expiration": 1762000000,
    "payment_fees": {
        "transaction_fee": {
            "calc_type": "gross",
            "fee_type": "absolute",
            "value": 2
        },
        "fx_fee": {
            "calc_type": "gross",
            "fee_type": "percentage",
            "value": 2.5
        }
    },
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "payment_method": {
        "type": "mx_spei_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "1607277e-e451-43a4-8299-3a3279b5eff6"
    },
    "data": {
        "id": "payment_73544bd6294b3f1315737ef12a0bde2d",
        "amount": 0,
        "original_amount": 104.5,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_dd91ebada37988afdbda2eb6f9de603e",
        "payment_method_data": {
            "id": "other_dd91ebada37988afdbda2eb6f9de603e",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762000000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761053384,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "895111816145989086"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 4.94,
                "percent": 104.44,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 0.0473397546,
        "merchant_requested_currency": "USD",
        "merchant_requested_amount": 4.94,
        "fixed_side": "sell",
        "payment_fees": {
            "transaction_fee": {
                "calc_type": "gross",
                "value": 2,
                "fee_type": "absolute"
            },
            "fx_fee": {
                "calc_type": "gross",
                "value": 2.5
            },
            "gross_fees": 4.5,
            "net_fees": 0,
            "total_merchant_fees": 0.09
        },
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with FX - fixed side sell - net absolute fees

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": "100",
    "currency": "MXN",
    "requested_currency": "USD",
    "fixed_side": "sell",
    "expiration": 1762000000,
    "payment_fees": {
        "transaction_fee": {
            "calc_type": "gross",
            "fee_type": "absolute",
            "value": 2
        },
        "fx_fee": {
            "calc_type": "gross",
            "fee_type": "percentage",
            "value": 2.5
        }
    },
    "customer": "cus_a97ac31867f1e2e9903fc2cb936241a7",
    "payment_method": {
        "type": "mx_spei_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "bc164c67-f9b7-49a1-98da-26c13b6d8224"
    },
    "data": {
        "id": "payment_1d7b227d12543cdbcb97d0242e238e09",
        "amount": 0,
        "original_amount": 104.5,
        "is_partial": false,
        "currency_code": "MXN",
        "country_code": "MX",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a97ac31867f1e2e9903fc2cb936241a7",
        "payment_method": "other_6a9cc93cf425a1968889d0b39821edf5",
        "payment_method_data": {
            "id": "other_6a9cc93cf425a1968889d0b39821edf5",
            "type": "mx_spei_bank",
            "category": "bank_transfer",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762000000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761053480,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {
            "payCode": "968250608203435469"
        },
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "Direct the end-user to make payment to the CLABE provided."
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 4.94,
                "percent": 104.44,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "mx_spei_bank",
        "payment_method_type_category": "bank_transfer",
        "fx_rate": 0.0473397546,
        "merchant_requested_currency": "USD",
        "merchant_requested_amount": 4.94,
        "fixed_side": "sell",
        "payment_fees": {
            "transaction_fee": {
                "calc_type": "gross",
                "value": 2,
                "fee_type": "absolute"
            },
            "fx_fee": {
                "calc_type": "gross",
                "value": 2.5
            },
            "gross_fees": 4.5,
            "net_fees": 0,
            "total_merchant_fees": 0.09
        },
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment by card - 3DS required

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
	"amount": "99",
	"currency": "EUR",
	"complete_payment_url": "https://www.rapyd.net/complete",
	"error_payment_url": "https://www.rapyd.net/error",
	"payment_method_options": {
		"3d_required": true
	},
	"payment_method": {
		"type": "cy_visa_card",
		"fields": {
			"name": "John Doe",
			"number": "4111111111111111",
			"expiration_month": "12",
			"expiration_year": "30",
			"cvv": "123"
		}
	},
	"client_details": {
		"time_zone_offset": 300,
		"language": "en-US",
		"java_enabled": true,
		"java_script_enabled": true,
		"screen_color_depth": 16,
		"screen_height": 768,
		"screen_width": 1024,
		"accept_header": "text/html",
		"ip_address": "162.162.162.162"
	},
	"address": {
		"name": "John Doe",
		"line_1": "123 First Street",
		"line_2": "",
		"city": "Anytown",
		"state": "",
		"country": "CY",
		"zip": "123456",
		"phone_number": "+35791234567"
	},
	"receipt_email": "johndoe@rapyd.net"
}

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "a0480b25-feb1-48a0-95d7-4a7cc630cfd1"
    },
    "data": {
        "id": "payment_83d441788b7adb06e4db0d74148d09e3",
        "amount": 0,
        "original_amount": 99,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "CY",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_467da59ccce52ff656a7f45387d686fa",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "cy_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "3d_verification",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "payment_account_reference": "V001PRHJOXPLXPZLBJ2ADSE1FIYB8",
            "network_reference_id": "834760"
        },
        "auth_code": null,
        "expiration": 1761658521,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "johndoe@rapyd.net",
        "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_83d441788b7adb06e4db0d74148d09e3",
        "complete_payment_url": "https://www.rapyd.net/complete",
        "error_payment_url": "https://www.rapyd.net/error",
        "receipt_number": "",
        "flow_type": "",
        "address": {
            "id": "address_f1924284df40ccc8cb8b27b72958296b",
            "name": "John Doe",
            "line_1": "123 First Street",
            "line_2": "",
            "line_3": "",
            "city": "Anytown",
            "state": "",
            "country": "CY",
            "zip": "123456",
            "phone_number": "+35791234567",
            "metadata": {},
            "canton": "",
            "district": "",
            "created_at": 1761053721
        },
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761053721,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 99,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true
        },
        "payment_method_type": "cy_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "3d_verification",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": null,
            "result": "R",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}

Client Details for 3DS

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 12.73,
    "currency": "EUR",
    "payment_method": {
        "type": "cy_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "345",
            "name": "John Doe"
        }
    },
    "client_details": {
        "time_zone_offset": 300,
        "language": "en-US",
        "java_enabled": true,
        "java_script_enabled": true,
        "screen_color_depth": 16,
        "screen_height": 768,
        "screen_width": 1024,
        "accept_header": "text/html",
        "ip_address": "162.162.162.162"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "608e33bd-d54e-43c8-b431-7bd9aa546ddc"
    },
    "data": {
        "id": "payment_1628e1b78b216fc9189764f69a395726",
        "amount": 12.73,
        "original_amount": 12.73,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "CY",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_a46f6c6b7af7adae3363ae94b666b771",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "cy_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V0013W70Z9L062WDT58XEXZCBTZHW"
        },
        "auth_code": null,
        "expiration": 1761658743,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761053943,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761053943,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 12.73,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "cy_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment - Customer Object

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 3600,
    "currency": "COP",
    "customer": {
        "name": "John Doe"
    },
    "payment_method": {
        "type": "co_bancodebogota_bank"
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "6bdbbf8b-5f47-4168-8c66-91b26ec09ceb"
    },
    "data": {
        "id": "payment_cb4a7902384f510151e849d5b623ba61",
        "amount": 0,
        "original_amount": 3600,
        "is_partial": false,
        "currency_code": "COP",
        "country_code": "CO",
        "status": "ACT",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_afa4554c96f5d3ce687f3f84c2f37718",
        "payment_method": "other_e95f9a3a04dce5077e722587a1c80542",
        "payment_method_data": {
            "id": "other_e95f9a3a04dce5077e722587a1c80542",
            "type": "co_bancodebogota_bank",
            "category": "bank_redirect",
            "metadata": {},
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "bic_swift": "",
            "account_last4": ""
        },
        "auth_code": null,
        "expiration": 1762264402,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "https://sandboxcheckout.rapyd.net/complete-bank-payment?token=payment_cb4a7902384f510151e849d5b623ba61",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761054802,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": "You will be redirected to a bank payment page to complete the payment"
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 3600,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "co_bancodebogota_bank",
        "payment_method_type_category": "bank_redirect",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_confirmation",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with network reference ID

curl -X post 'https://sandboxapi.rapyd.net/v1/payments' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 11.0,
    "currency": "GBP",
    "payment_method": {
        "type": "at_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "network_reference_id": "123456",
            "name": "John Doe"
        }
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "e3fd7ef2-b261-4f86-81ed-2bdfd757a742"
    },
    "data": {
        "id": "payment_0a19192b030370a2448a73549e2b2ca6",
        "amount": 11,
        "original_amount": 11,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "IS",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_8e0d367aff7e0483bcae4889ce01065f",
        "payment_method": null,
        "payment_method_data": {
            "id": null,
            "type": "is_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "29",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "932187",
            "payment_account_reference": "V001WAPFR2O80RICE9CEM7YIUY4KD"
        },
        "auth_code": null,
        "expiration": 1761660027,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761055227,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761055227,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 11,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "is_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": false,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with TAVV

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 250,
    "currency": "USD",
    "capture": true,
    "save_payment_method": true,
    "payment_method": {
        "type": "it_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123",
            "number_type": "TPAN"
        }
    },
    "payment_method_options": {
        "tavv": "ACSczA=="
    }
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "595af87a-26ac-48fc-aa66-155848f8d2a4"
    },
    "data": {
        "id": "payment_a980c78af251c39f05057527c75e9899",
        "amount": 250,
        "original_amount": 250,
        "is_partial": false,
        "currency_code": "USD",
        "country_code": "it",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_62d21d58a8c2ae38c3d6400ac8ba60c0",
        "payment_method": "card_34cbcefb733fde0403100a7070941120",
        "payment_method_data": {
            "id": "card_34cbcefb733fde0403100a7070941120",
            "type": "it_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "number_type": "TPAN",
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V001AL5T39H4Q29PK36VWFEP20VCA"
        },
        "auth_code": null,
        "expiration": 1761660101,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761055301,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761055301,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": {},
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 250,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "it_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with External 3DS Provider

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 10,
    "currency": "EUR",
    "capture": false,
    "description": "payment by card",
    "customer": "cus_4e25112ac20e144ad073a614dc46934b",
    "payment_method": {
        "type": "is_visa_card",
        "fields": {
            "name": "John Doe",
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "cvv": "123"
        }
    },
    "payment_method_options": {
        "3d_version": "2.2.0",
        "cavv": "BwABBYcyOCdlg0QChDI4EHUURgE",
        "eci": "05",       
        "ds_trans_id": "1b20b229-8676-5812-8000-000000617fbb"
    },
    "save_payment_method": true,
    "complete_payment_url": "https://complete.rapyd.net",
    "error_payment_url": "https://error.rapyd.net"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "bbed4648-dc2a-4a2e-9f9a-b4259f335c32"
    },
    "data": {
        "id": "payment_e4c1c2f8c245386faf23b509180dfdc1",
        "amount": 0,
        "original_amount": 10,
        "is_partial": false,
        "currency_code": "EUR",
        "country_code": "IS",
        "status": "ACT",
        "description": "payment by card",
        "merchant_reference_id": "",
        "customer_token": "cus_4e25112ac20e144ad073a614dc46934b",
        "payment_method": "card_0ef78a1d5cbd4d84133c8d94b2d34a4f",
        "payment_method_data": {
            "id": "card_0ef78a1d5cbd4d84133c8d94b2d34a4f",
            "type": "is_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456"
        },
        "auth_code": null,
        "expiration": 1761660188,
        "captured": false,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://complete.rapyd.net",
        "error_payment_url": "https://error.rapyd.net",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Doc Team",
        "transaction_id": "",
        "created_at": 1761055388,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [
            {
                "name": "instructions",
                "steps": [
                    {
                        "step1": ""
                    }
                ]
            }
        ],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 10,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "eci": "05",
            "cavv": "BwABBYcyOCdlg0QChDI4EHUURgE",
            "3d_version": "2.2.0",
            "ds_trans_id": "1b20b229-8676-5812-8000-000000617fbb"
        },
        "payment_method_type": "is_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "pending_capture",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

Payment with Merchant Wallet

curl -X post 'https://sandboxapi.rapyd.net/v1/payments/' \
-H 'access_key: your-access-key-here' \
-H 'Content-Type: application/json' \
-H 'idempotency: your-idempotency-parameter-here' \
-H 'salt: your-random-string-here' \
-H 'signature: your-calculated-signature-here' \
-H 'timestamp: your-unix-timestamp-here' \
--data-raw '{
    "amount": 10.90,
    "currency": "GBP",
    "capture": true,
    "save_payment_method": true,
    "3d_required": true,
    "payment_method": {
        "type": "gb_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "12",
            "expiration_year": "30",
            "name": "John Doe",
            "cvv": "345"
        }
    },
    "merchant_ewallet": "ewallet_42dbfb7fd7638a95d6ba084ac07dec1e",
    "statement_descriptor": "Merchant Wallet"
}'

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "80634722-c646-4556-aa2d-fc2a583eb8b8"
    },
    "data": {
        "id": "payment_bfdbcf6352e65c6f6c47fc322f278f86",
        "amount": 10.9,
        "original_amount": 10.9,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "CLO",
        "description": "",
        "merchant_reference_id": "",
        "customer_token": "cus_0edf4fa7420fbebf078fb2ca0a19b74d",
        "payment_method": "card_08c059054537acfc68723eaf363c732d",
        "payment_method_data": {
            "id": "card_08c059054537acfc68723eaf363c732d",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "John Doe",
            "last4": "1111",
            "acs_check": "unchecked",
            "cvv_check": "unchecked",
            "bin_details": {
                "type": "DEBIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "CONOTOXIA SP. Z O.O",
                "country": "PL",
                "bin_number": "411111"
            },
            "expiration_year": "30",
            "expiration_month": "12",
            "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467",
            "network_reference_id": "123456",
            "payment_account_reference": "V0014HLLSLCN33YFQQXD7X3NORPEH"
        },
        "auth_code": null,
        "expiration": 1761660374,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "",
        "error_payment_url": "",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "Merchant Wallet",
        "transaction_id": "",
        "created_at": 1761055574,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1761055574,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861",
                "amount": 10.9,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {},
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "transaction_link_id": null
    }
}

In this section:

Documentation

Create Payment

Note

Parameters

Request Header Parameters

Request Body Parameters

Note

Note

Note

Note

Response Parameters

Note

Note

Note

Note

Search results