Direct Charge (Server-to-Server)

Initiate bank card charges directly from your backend. Best for POS systems and custom payment forms.

API Version

PCI-DSS Certification Required

To use this API, your infrastructure must be PCI-DSS compliant or use a secure tokenization proxy. You are responsible for the secure handling of raw card data.

The Direct Charge API allows for a seamless, invisible payment experience. The customer never leaves your application.

POST/api/v1/b2b/payments/charge

Directly debits a credit or debit card.

Request Payload

JSON

{
  "amount": 45.00,
  "currency": "USD",
  "card": {
    "number": "4242424242424242",
    "cvv": "123",
    "expiryMonth": "12",
    "expiryYear": "2026",
    "holderName": "John Doe"
  },
  "reference": "INTERNAL-POS-001"
}

Success Response

JSON

{
  "success": true,
  "status": "COMPLETED",
  "transactionId": "CP-TXN-776655",
  "authCode": "998877"
}

Security Best Practices

Always use HTTPS for all communications.
Never log or store CVV codes in your database.
Rotate your API keys regularly via the dashboard.