Pay with stored details
There's no need to request your customers’ card details for every payment. Instead, you can use a stored card's source ID to securely process their subsequent payments without having to re-enter their card number. It's simple, fast, and secure!
How it works
After your customer makes an initial order, we securely store the card information as a payment instrument, each one identified by a unique ID (prefixed with src_
). This source ID replaces the card number in all future payments, removing the need to re-enter and exchange sensitive payment information.
We do not store a card's CVV (the three- or four-digit number on the back of the card) in a payment instrument. If you want to run a CVV check on a payment using the source ID, you should include the CVV in your request.
Request a payment using an existing card
Endpoint
For the full API specification, see the API reference.
https://api.checkout.com/payments
Request example
{"source": {"type": "id","id": "src_aj4isch2q2lujekf2o4cenzrpe","cvv": 100},"amount": 6000,"currency": "USD","reference": "ORD-5023-4E89"}
Response examples
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.
The possible values for the status
field include Authorized
, Captured
, Card Verified
, Declined
, and Pending
. Note that Pending
only applies to 3D Secure payments and alternative payments.
{"id": "pay_zpg25obbkv2uld22vto2zy5b3m","action_id": "act_zpg25obbkv2uld22vto2zy5b3m","amount": 6000,"currency": "USD","approved": true,"status": "Authorized","auth_code": "876545","eci": "05","scheme_id": "638284745624527","response_code": "10000","response_summary": "Approved","risk": {"flagged": false},"source": {"id": "src_aj4isch2q2lujekf2o4cenzrpe","type": "card","expiry_month": 9,"expiry_year": 2022,"scheme": "Visa","last4": "4242","fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832","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": "S","cvv_check": "Y"},"customer": {"id": "cus_hafan7x5nfru7fpcs3yto645si"},"processed_on": "2019-01-25T10:42:20Z","reference": "ORD-5023-4E89","_links": {"self": {"href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m"},"actions": {"href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/actions"},"capture": {"href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/captures"},"void": {"href": "https://api.sandbox.checkout.com/payments/pay_zpg25obbkv2uld22vto2zy5b3m/voids"}}}