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Cards

One-time purchase

Card payments are available for Visa and Mastercard cards, and since the flow may differ slightly depending on the exact use case, so, in this section we will describe the one-time purchase, but you can also have access to a couple of different use cases:

Set up 3D Secure

Payment authorisation with 3D Secure authentication (frictionless or challenged).

Store cards

Save a shopper’s details and make recurring and subscription payments.

Use OneClick card

Activate the most seamless and quick way to accept payments.

Set up Webhooks

Keep your system up-to date on payment events and status changes.

Recurring

Charge your shopper with recurrent routine

Use the one-time purchase flow when you want to charge the shopper immediately.

Check below the available environments where you can perform a server-to-server POST request to generate the transaction.

Environment

URL

Operation Method & Endpoint

Operation Description

PROD

api.sibsgateway.com

POST version-id/{id}/card/purchase

Requests the payment registered by the previous checkout using card details inserted by the customer.

CER

stargate-cer.qly.site[1|2].sibs.pt

POST api/v1/payments/:transactionId/card/purchase

Requests the payment registered by the previous checkout using card details inserted by the customer.

Before you make the payment:

  • Ensure the order has been created and submitted
  • The request needs an Authorisation Header with the transactionsignature returned on the order creation response
mssg_bell

In this request, the Bearer Token is replaced by the checkout response transactionSignature

The message below represents the one-time purchase where the payment is performed immediately, and no additional services (3D Secure, tokenization, and one-click) are identified for calling.

Here is an example of how to make a one-time purchase.

	Request:
{
    "merchant": {
        "terminalId": 24,
        "channel": "web",
        "merchantTransactionId": "Order Id: srd5v98xn5",
        "transactionDescription": "transaction short description",
        "shopURL": "https://mytest.e-shop.pl/"
    },
    "transaction": {
        "transactionTimestamp": "2023-05-12T09:17:50.531Z",
        "description": "transaction statement description",
        "moto": false,
        "paymentType": "PURS",
        "amount": {
            "value": 50.5,
            "currency": "PLN"
        },
        "paymentMethod": [
            "CARD"
        ]
    }
}

What’s next?

Have a look at the other Card payment features you can use.

After you make the payment, you will receive a response comprising a paymentStatus in the message. It informs whether the transaction was accepted, declined, still pending a final result, or requires additional action.

  • Success: The purchase has been processed successfully and the customer has been debited.
  • Declined: The purchase has been declined.
  • Pending: The final result of the purchase is not yet known. You will need to inquiry on the status of this transaction until it reaches a final state, or you decide to cancel it.
  • Partial: The purchase is partially accepted, but requires additional actions to the completed (e.g. 3D-Secure authentication). The actionResponse element is provided for instructions on how to proceed.

Get the payment status

Afterwards, once the payment has been processed, you can check the status of your transaction making a GET request.

The Authorisation HTTP header is set to the Bearer token as it was used in the initial Checkout.

	Request URL: https://stargate-cer.qly.site1.sibs.pt/api/v1/payments/{transactionID}/status
Request Headers:
Autorization: Bearer eyJhbGciOiJIUzI1NiIsInR5cCIgOiAiSldUIiwia2lkIiA6I (...)
X-IBM-Client-Id: b4480347-9fc8-4790-b359-100a99c60ea3
Content-Type: application/json