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Submit bank and card not present payments by sending a POST request to the transactions endpoint of the Payrix API.

The Payrix API supports card and bank payments using a new or stored payment method. The same request can also tokenize a new payment method for future use.

This page provides details about using the transactions endpoint to submit card and bank payments. See the transactions documentation in our Payrix Integrated REST API documentation for further information.

You must be PCI certified to submit card transactions directly via the API. Your application will need to handle protected customer and payment method data.

Card Payments

 View Details about submitting payments using credit/debit cards.

To submit a card payment using the API, send a POST request to the transactions endpoint with the payment details in the body of the request. The examples below show request bodies for the following use cases:

  • New Card - Submit a transaction by sending the payment card details.

  • Stored / Saved Card - Submit a transaction using a previously stored payment token.

  • Tokenized Card Payment - Submit a transaction by sending payment through tokenized card details.

New Card Payment

You must be PCI Level 1 compliant to submit unencrypted card data directly via the API.

The example below shows a sample request body for card payment using a new payment method:

{
    "ProcessType": "COMPLETE",
    "Reference": "JTest Transaction 101",
    "Description": "This is an example real-time transaction",
    "Amount": 100.25,
    "CurrencyCode": "AUD",
    "CardToken": null,
    "Card": {
      "CardNumber": "4111111111111111",
      "CardholderName": "TEST Card",
      "ExpiryYear": 2023,
      "ExpiryMonth": 10,
      "Ccv": "123"
    },
    "Payer": null,
    "Audit": {
    "Username": "Example-User",
      "UserIP": "1.2.3.4"
    }
  }

Stored Card Payment

The example below shows a sample request body for card payment using a stored token as the payment method:

{
    "ProcessType": "COMPLETE",
    "Reference": "JTest Transaction 1001",
    "Amount": 100.75,
    "Description": "This is a test transaction",
    "CurrencyCode": "AUD",
    "ServiceDate": "2022-03-01T10:00:00+10:00",
    "Audit": {
      "Username": "Example-User",
      "UserIP": "1.2.3.4"
    }
}

Tokenized Card Payment

The example below shows a sample request body for card payment using tokenized card data:

{
    "ProcessType": "COMPLETE",
    "Reference": "JTest Transaction 101",
    "Description": "This is an example real-time transaction",
    "Amount": 100.25,
    "CurrencyCode": "AUD",
    "CardToken": "cbd86c35289249eb86759453cea4025b",
    "ServiceDate": "2022-03-01T10:00:00+10:00",
    "Payer": {
    	"uniqueReference": "A306026D-0B4B-479F-9716-256152C8D310",
    	"groupReference":"A306026D-0B4B-479F-9716-256152C8D310",
    	"familyOrBusinessName":"Surname",
    	"givenName":"First Name",
    	"billingAddress":{"Line1": "1 Test St","Line2": "Test Building","Suburb": "Testville","State": "QLD","PostCode": "4001","Country": "AUS" },
    	"email":"test@test.com",
    	"phone":"0733331111",
    	"savePayer":"true"
    },
    "Audit": {
		"Username": "Example-User",
    	"UserIP": "1.2.3.4"
    }
  }

Bank payments

 View details about submitting payments using Bank Account.

To submit a payment via Bank Account (BECS) using the API, send a POST request by scheduling a single or multiple future payments.

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