Card transaction

Process an online card transaction.

Initiate a card transaction

POST

/v1/transactions

Request examples

Use the following request to initiate a card transaction without CVC.

{
  "merchant": "MERCHANT-1",
  "site": "SITE-1",
  "merchantTransactionId": "ECOM_001",
  "merchantTransactionDate": "2025-01-27 08:51:02.826445+00:00",
  "transactionMethod": {
    "intent": "Authorisation",
    "entryType": "Ecom",
    "fundingType": "Card"
  },
  "amounts": {
    "transaction": 20,
    "currencyCode": "GBP",
    "gratuity": 0
  },
  "fundingData": {
    "card": {
      "primaryAccountNumber": "4111111111111111",
      "expiryMonth": "01",
      "expiryYear": "2025",
      "holderName": "John Doe"
    }
  }
}

Parameter	Description
`merchant` string (≤ 20 characters) required	Your unique merchant identifier, as assigned by PXP.
`site` string (≤ 20 characters) required	Your unique site identifier, as assigned by PXP.
`merchantTransactionId` string (≤ 50 characters) required	A unique identifier for this transaction.
`merchantTransactionDate` date-time required	The date and time when the transaction happened, in ISO 8601 format.
`transactionMethod` object required	Details about the transaction method.
`transactionMethod.entryType` string required	The entry type. For e-commerce transactions, this is always `Ecom`.
`transactionMethod.fundingType` string required	The funding type. For card transactions, this is always `Card`.
`transactionMethod.intent` string required	The payment intent. Learn more about intents. Possible values: `Authorisation` `EstimatedAuthorisation` `Purchase` `Payout` `Refund`
`amounts` object required	Details about the transaction amount.
`amounts.transaction` number	The transaction amount. The numbers after the decimal will be zero padded if they are less than the expected `currencyCode` exponent. For example, GBP 1.1 = GBP 1.10, EUR 1 = EUR 1.00, or BHD 1.3 = 1.300. The transaction will be rejected if numbers after the decimal are greater than the expected `currencyCode` exponent (e.g., GBP 1.234), or if a decimal is supplied when the `currencyCode` of the exponent doesn't require it (e.g., JPY 1.0).
`amounts.currencyCode` string (1-3 characters) required	The currency code associated with the transaction, in ISO 4217 format.
`amounts.gratuity` number	The gratuity or tip amount added by the customer to the transaction total. This field can't be used together with `serviceCharge`.
`amounts.serviceCharge` object	Details about the service charge applied to the transaction. This field can't be used together with `gratuity`.
`amounts.serviceCharge.amount` number required	The service charge amount.
`amounts.serviceCharge.percentage` number required	The service charge percentage.
`amounts.serviceCharge.optional` boolean required	Whether the service charge is optional.
`fundingData` object required	Details about the payment method used for the transaction.
`fundingData.card` object	Details about the card.
`fundingData.card.primaryAccountNumber` string (10-19 characters)	The unique number assigned to a payment card, such as a credit or debit card. This number typically contains 16 digits, structured in a specific format to indicate the card network, issuing bank, and account number.
`fundingData.card.expiryMonth` string (2 characters)	The expiry month (`MM`) of the card.
`fundingData.card.expiryYear` string (4 characters)	The expiry year (`YYYY`) of the card.
`fundingData.card.holderName` string (≤ 100 characters)	The full name of the individual who owns the payment card. This name is printed on the physical card and is used for verifying the cardholder's identity during transactions.

Response examples

If your request is successful, you'll receive a 200 response that includes the transaction's state. You'll also receive a Transaction (Card Authorised) webhook notification.

{
  "state": "Authorised",
  "stateData": {},
  "approvalCode": "849535",
  "merchantTransactionDate": "2025-03-31T12:25:31",
  "merchantTransactionId": "9e6fa686-2a79-4813-8d1c-be9be7f1212b",
  "systemTransactionId": "89e2e55c-fcfa-4e35-97ea-3ab7de45619c",
  "fundingData": {
    "cardScheme": "MasterCard",
    "expiryMonth": null,
    "expiryYear": null,
    "gatewayTokenId": "5fbd77ce-02c1-40ed-94bc-1016660b7512",
    "nameVerificationResult": "NoInformationAvailable",
    "providerResponse": {
      "provider": "pxpfinancial",
      "code": "00",
      "emvDataResponse": {},
      "paymentAccountReference": "637607302178175469",
      "electronicCommerceIndicatorAdjustment": "07",
      "merchantAdvice": {},
      "authorisedAmount": 20,
      "settlementDate": "2025-04-01T00:00:00"
    },
    "processorTransactionId": "6ac50290-3211-4359-9651-843305bc315f"
  }
}

Card transaction

Initiate a card transaction

Request examples

Response examples

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