Initiating Payments

Simple Card Payments

curl "https://api.payload.co/transactions" \
    -u secret_key_3bW9JMZtPVDOfFNzwRdfE: \
    -d "amount=100" \
    -d "type=payment" \
    -d "payment_method[type]=card" \
    -d "payment_method[card][card_number]=4242 4242 4242 4242" \
    -d "payment_method[card][expiry]=12/25"

payment = pl.Payment.create(
    amount=100.0,
    payment_method=pl.Card(
        card_number='4242 4242 4242 4242',
        expiry='12/25'
    )
)

<?php
$payment = Payload\Transaction::create(array(
    'amount'=> 100.0,
    'type'=> 'payment',
    'payment_method' =>new Payload\PaymentMethod(array(
        'type'=> 'card',
        'card'=> array('card_number'=>'4242 4242 4242 4242', 'expiry'=>'12/25')
    )),
));
?>

pl.Payment.create({
    amount: 100.0,
    payment_method: new pl.Card({
        card_number: '4242 4242 4242 4242',
        expiry: '12/25'
    })
}).then(function(payment) {
})

var payment = pl.Payment.create(new {
    amount=100.0,
    payment_method=new pl.Card(new{
        card_number="4242 4242 4242 4242",
        expiry="12/25"
    })
});

payment = Payload::Payment.create(
    amount: 100.0,
    payment_method: Payload::Card(
        card_number: '4242 4242 4242 4242',
        expiry: '12/25'
    )
)

Processing card payments at a minimum requires a card number and expiration date but typically it's recommended to also provide the CVV, billing zipcode, and the cardholder's name for validation.

Simple Bank Payments

curl "https://api.payload.co/transactions" \
    -u secret_key_3bW9JMZtPVDOfFNzwRdfE: \
    -d "amount=100" \
    -d "type=payment" \
    -d "payment_method[type]=bank_account" \
    -d "payment_method[bank_account][account_number]=1234567890" \
    -d "payment_method[bank_account][routing_number]=021000021" \
    -d "payment_method[bank_account][account_type]=checking"

payment = pl.Payment.create(
    amount=100.0,
    payment_method=pl.BankAccount(
        account_number='1234567890',
        routing_number='021000021',
        account_type='checking'
    )
)

<?php
    $payment = Payload\Transaction::create(array(
        'amount'=>100.0,
        'type' => 'payment',
        'payment_method'=>new Payload\PaymentMethod(array(
            'type'=> 'bank_account',
            'bank_account'=>array(
                'account_number'=>'1234567890',
                'routing_number'=> '021000021',
                'account_type' => 'checking'
                )
        ))
    ));
?>

pl.Payment.create({
    amount: 100.0,
    payment_method: new pl.BankAccount({
        account_number: '1234567890',
        routing_number: '021000021',
        account_type: 'checking'
    })
}).then(function(payment) {
})

var payment = pl.Payment.create(new {
    amount=100.0,
    payment_method=new pl.BankAccount(new{
        account_number="1234567890",
        routing_number="021000021",
        account_type="checking"
    })
});

payment = Payload::Payment.create(
    amount: 100.0,
    payment_method: Payload::BankAccount(
        account_number: '1234567890',
        routing_number: '021000021',
        account_type: 'checking'
    )
)

Processing bank account payments requires the customer's account number, routing number, and account type. This will attempt to process the payment with the customer's bank through either ACH, PAD, or RTP networks depending on the account settings and currency.

Test Payments

We provide an extensive list of test payment accounts in the Test Cards and Test Bank Accounts sections.

One-Time Payments

Some cases may require a one-time payment without saving a payment method. To enable this behavior set the keep_active flag to false on the Payment Method object.

Async Authorize and Process

curl "https://api.payload.co/transactions" \
    -u secret_key_3bW9JMZtPVDOfFNzwRdfE: \
    -d "amount=100" \
    -d "type=payment" \
    -d "status=authorized" \
    -d "payment_method[type]=card" \
    -d "payment_method[card][card_number]=4242 4242 4242 4242" \
    -d "payment_method[card][expiry]=12/25"

curl -X PUT "https://api.payload.co/transactions/<transaction_id>" \
    -u secret_key_3bW9JMZtPVDOfFNzwRdfE: \
    -d "status=processed"

payment = pl.Payment.create(
    amount=100.0,
    status='authorized',
    payment_method=pl.Card(
        card_number='4242 4242 4242 4242',
        expiry='12/25'
    )
)

payment.update(status='processed')

<?php
$payment = Payload\Transaction::create(array(
    'amount'=> 100.0,
    'type'=> 'payment',
    'status'=>'authorized',
    'payment_method' =>new Payload\PaymentMethod(array(
        'type'=> 'card',
        'card'=> array('card_number'=>'4242 4242 4242 4242', 'expiry'=>'12/25')
    )),
));

$payment->update(['status'=>'processed'])
?>

pl.Payment.create({
    amount: 100.0,
    status: 'authorized',
    payment_method: new pl.Card({
        card_number: '4242 4242 4242 4242',
        expiry: '12/25'
    })
}).then(function(payment) {
    return payment.update({status: 'processed'})
})

var payment = pl.Payment.create(new {
    amount=100.0,
    status="authorized",
    payment_method=new pl.Card(new{
        card_number="4242 4242 4242 4242",
        expiry="12/25"
    })
});

payment.update(new { status="processed" });

payment = Payload::Payment.create(
    amount: 100.0,
    status: 'authorized',
    payment_method: Payload::Card(
        card_number: '4242 4242 4242 4242',
        expiry: '12/25'
    )
)

payment.update(status: 'processed')

By default, when initiating a payment, if that payment is successful the transaction status will return as processed. This means that the transaction was both successfully authorized and funds will be processed immediately, debiting them from the specified account.

Alternatively, the two steps of authorizing the transaction and processing the funds can be split into two asynchronous operations. If the transaction status is set to authorized in the initial request, the transaction will be authorized but the funds will not be processed immediately. At a later point in time when the transaction is finalized, an update can be made to change the status from authorized to processed. Once the payment has been updated from authorized to processed the funds will begin processing and be debited from the account.

Setting the initial status to authorized is supported by both the Secure Input and Checkout ui elements.