You can use Visa or Mastercard network tokens to make payments through the unified payments endpoint.

The POST request

Use the details below to set up a payment request using a network token.

Endpoints

POSThttps://api.checkout.com/payments

POSThttps://api.sandbox.checkout.com/payments

Header parameters

Header	Value
`Authorization` REQUIRED	`secret key` _{Use the valid secret key of your Checkout.com account. You can find this in the Hub.}
`Content-Type` REQUIRED	`application/json`

Body parameters

Field name	Description
`token` STRING REQUIRED	The network token PAN.
`expiry_month` STRING REQUIRED	The two-digit expiry month of the token.
`expiry_year` STRING REQUIRED	The four-digit expiry year of the token.
`token_type` STRING REQUIRED	The type of token. Set this to `vts` for Visa or `mdes` for Mastercard.
`eci` STRING REQUIRED	The Electronic Commerce Indicator security level associated with the token. Optional if `previous_payment_id` is specified and `3ds.enabled` is `false`. _{For more information, see stored card details.}
`cryptogram` STRING REQUIRED	Cryptographic identifier used by card schemes to validate the token verification result. Optional if `previous_payment_id` is specified and `3ds.enabled` is `false`. _{For more information, see stored card details.}

Request example

{
  "source": {
    "type": "network_token",
    "token": "4242424242424242",
    "token_type": "vts",
    "expiry_month": "10",
    "expiry_year": "2025",
    "eci": "06",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA"
  },
  "amount": 1000,
  "currency": "USD"
}

The POST response

Use the approved field to check whether or not the authorization was successful ("approved": true). If your authorization was not successful, it's possible the payment used an invalid/expired card, or a valid card with an insufficient available balance.

If you received a 202 response, the payment requires a redirect. For example, if the payment is 3D Secure.

A successful response will include a payment_account_reference value, which is a unique reference to the underlying card for network tokens. If the card scheme provided us with an eci value, it will be included in the response. The value indicates the security level with which the card scheme decided to authorize the payment.

Response example

{
  "id": "pay_k7yuyhvad5vujdl7zcb6de2qmm",
  "action_id": "act_k7yuyhvad5vujdl7zcb6de2qmm",
  "amount": 100,
  "currency": "GBP",
  "approved": true,
  "status": "Authorized",
  "auth_code": "000205",
  "eci": "05",
  "scheme_id": "17896",
  "response_code": "10000",
  "response_summary": "Approved",
  "risk": {
    "flagged": false
  },
  "source": {
    "id": "src_6h3fksgf7n4evi2cgv2vdekgua",
    "type": "card",
    "expiry_month": 6,
    "expiry_year": 2025,
    "scheme": "Visa",
    "last4": "4242",
    "fingerprint": "9F3BAD2E48C6C8579F2F5DC0710B7C11A8ACD5072C3363A72579A6FB227D64BE",
    "bin": "424242",
    "card_type": "Credit",
    "card_category": "Consumer",
    "issuer": "JPMORGAN CHASE BANK NA",
    "issuer_country": "US",
    "product_id": "A",
    "product_type": "Visa Traditional",
    "avs_check": "UM",
    "cvv_check": "Y",
    "payment_account_reference": "2FCFE326D92D4C27EDD699560F484"
  },
  "customer": {
    "id": "cus_6wa6milnaqnutl3sysyjxwd4wq"
  },
  "processed_on": "2019-07-31T08:25:12Z",
  "processing": {
    "acquirer_transaction_id": "621237178574778015081",
    "retrieval_reference_number": "527881243825"
  },
  "_links": {
    "self": {
      "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm"
    },
    "actions": {
      "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/actions"
    },
    "capture": {
      "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/captures"
    },
    "void": {
      "href": "https://qa.ckotech.co/gateway/payments/pay_k7yuyhvad5vujdl7zcb6de2qmm/voids"
    }
  }
}

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