How to Process real-time Card transactions

In order to process a real-time card transaction, the Payrix platform offers a solution to have the customer submit payment via API on your own payment page or the Payrix Hosted Payment Page (HPP).

The Payrix API offers a few API solutions when processing real-time card transactions, please refer to the headings on the right to jump to the documentation relevant to your solution.

Tokenised real-time card transaction (Software managed payment page)

The Payrix platform offers a JavaScript suite which will tokenise the data on the page which can used to add the card details to an existing payer, or it can be used to make a live real-time card transaction against those details.

The Payrix JavaScript can be found here in our API documentation - Building a Webpage:

• The Payrix API has the ability to POST Add or update a Payers card details via token as a single API call without processing a payment.

• The Payrix API also offers the ability to add or update a payers card details and process a live tokenised card transaction in the one single API call - POST Make a live tokenized card transaction.

Tokenised real-time card transaction

A live card transaction is referred to within Payrix’s system as a real-time transaction with card details submitted for immediate processing. This can be completed in two ways via our API:

• POST Make a live tokenized card transaction

  • Not linked to a payer - an anoynmous payment from a credit or debit card.

  • Linked to a payer - passing the payer uniquereference within the API body request

Sample flow:

Open

Tokenised real-time card transaction with payment details saved to record

A live card transaction can be submitted for immediate processing whilst saving the payers payment details securely. This can be completed via our API:

• POST Make a live tokenized card transaction

Once a payer submits their payment details, future payments can be either processed via POST Process a transaction using saved card details (real-time card transaction - immediate processing) OR via non real-time card debit (2 Business day settlement).

Sample flow:

Open

Real-time charge stored card

A live card transaction can be submitted for immediate processing if the payers payment details have been saved. This will allow the ability to charge the payers stored card in real-time and receive an immediate transaction result by simply using the API below:

• POST Process a transaction using saved card details

Q: How to determine the result of a real-time card transaction via API / software payment page

When processing a real-time tokenised card transaction, the result is returned in real-time.

• If the response returns a statuscode of 'C' or an 'S’ you can presume the transaction was successful.

  • If you are using Payrix merchant facility you will see a statuscode of ‘C' (Cleared - Processed by Payrix and debited from Payers account) immediately.

  • If you are using your own merchant facility, you will typically see a status of 'S' (Settled - Funds settled).

• If the response returns a statuscode of 'F', the transaction was declined with the rejection reason supplied in the status description.

  • If a transaction is rejected with a decline reason supplied by the issuer we will return this response. Refer to Transaction Sub-Status Code.

Real-time card transaction via Payrix HPP

The Payrix platform offers the ability to utilise the Payrix Hosted Payment Page which is implemented via a re-direction to the Payrix Payment page. This offering is the simplest way to integrate a payment solution to your software with minimal development work required.

The process for using the Payrix HPP token is simply:

1. Call the POST Generate HPP Token to obtain a token and a redirect URL.

2. Redirect your customer to the URL you received with the token.

3. After your customer has completed the form we will redirect them back to your website using the returnURL you provided when generating the token.

4. Call the token lookup endpoint to obtain the result of the token.

Should the customer opt in to save their payment details, future payments can be either processed via POST Process a transaction using saved card details (real-time card transaction - immediate processing) OR via non real-time card debit (2 Business day settlement).

Q: How to determine the result of a real-time card transaction via Payrix HPP

• Within the response body of the transaction field, if the statuscode is ‘C' or 'S’, the transaction was successful.

  • If you are using Payrix merchant facility you will see a statuscode of ‘C' (Cleared - Processed by Payrix and debited from Payers account) immediately.

  • If you are using your own merchant facility, you will typically see a status of 'S' (Settled - Funds settled).

• Within the response body of the transaction field, if the statuscode is 'R', the transaction was declined with the rejection reason supplied in the status description.

  • If a transaction is rejected with a decline reason supplied by the issuer we will return this response. Refer to Transaction Sub-Status Code.