Request a card payment
Last updated: April 29, 2022
Once you've successfully set up your integration, you're able to start receiving and tokenizing your customers' card details. After this tokenization process, you're ready to create a payment. To do this, you can use our API and your server-side code.

Information
Card tokens (tok_
) are single use and only have a 15-minute lifespan. Once you've successfully sent your request, you'll receive a response containing a permanent card source ID (src_
) which can be used in subsequent payment requests.
For the full API specification, see the API reference.
post
https://api.checkout.com/payments
1{2"source": {3"type": "token",4"token": "tok_4gzeau5o2uqubbk6fufs3m7p54"5},6"amount": 6500,7"currency": "USD",8"reference": "ORD-5023-4E89",9"metadata": {10"udf1": "TEST123",11"coupon_code": "NY2018",12"partner_id": 12398913}14}
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.
Information
The following pages can help you understand the response message:
- CVV codes and descriptions
- AVS codes
- Response codes (if the authorization was unsuccessful)
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.
1{2"id": "pay_mbabizu24mvu3mela5njyhpit4",3"action_id": "act_mbabizu24mvu3mela5njyhpit4",4"amount": 6500,5"currency": "USD",6"approved": true,7"status": "Authorized",8"auth_code": "770687",9"eci": "05",10"scheme_id": "638284745624527",11"response_code": "10000",12"response_summary": "Approved",13"risk": {14"flagged": false15},16"source": {17"id": "src_nwd3m4in3hkuddfpjsaevunhdy",18"type": "card",19"expiry_month": 9,20"expiry_year": 2022,21"scheme": "Visa",22"last4": "4242",23"fingerprint": "F31828E2BDABAE63EB694903825CDD36041CC6ED461440B81415895855502832",24"bin": "424242",25"card_type": "Credit",26"card_category": "Consumer",27"issuer": "JPMORGAN CHASE BANK NA",28"issuer_country": "US",29"product_id": "A",30"product_type": "Visa Traditional",31"avs_check": "S",32"cvv_check": ""33},34"customer": {35"id": "cus_udst2tfldj6upmye2reztkmm4i"36},37"processed_on": "2019-01-25T11:03:36Z",38"reference": "ORD-5023-4E89",39"_links": {40"self": {41"href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4"42},43"actions": {44"href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/actions"45},46"capture": {47"href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/captures"48},49"void": {50"href": "https://api.sandbox.checkout.com/payments/pay_mbabizu24mvu3mela5njyhpit4/voids"51}52}53}
Information
Possibly fraudulent authorization requests return the message risk.flagged: true
to show that the payment has been flagged.
Once you've successfully processed a card payment request, you're able to easily reuse those card details for subsequent payments.