4. Process Payment

The ProcessPayment request is used to initiate a payment process for a given ReferenceId.

Production Endpoint

Direct pay Production Base URL /ProcessPayment

Sandbox Endpoint

Direct Pay SandboxBase URL /ProcessPayment

Sample Request

{
    "ReferenceId": "xxxxxxxxxxxx",  // 15-digit reference id for the order
    "MerchantId": "KW23821",        // Merchant code
    "Result": "success",             // Payment result (e.g., success or failure)
    "GatewayRecommendation": "approve" // Gateway recommendation for processing (e.g., approve or reject)
}

Sample Response

{
  "error": {
    // Error details if the request failed
  },
  "authorizationResponse": {
    "cardSecurityCodeError": "N",
    "commercialCard": "Visa",
    "commercialCardIndicator": "Y",
    "financialNetworkCode": "02",
    "processingCode": "001",
    "responseCode": "00",
    "stan": "123456",
    "transactionIdentifier": "TXN789456"
  },
  "gatewayEntryPoint": "string", 
  "merchant": "KW23821",         
  "order": {
    // Order details
  },
  "response": {
    // Additional response details
  },
  "result": "success",            
  "risk": {
    "response": {
      "gatewayCode": "GATEWAY_123",
      "review": {
        "decision": "Approved"
      },
      "rule": [
        {
          "data": "RuleData1",
          "name": "Rule1",
          "recommendation": "Allow",
          "type": "Security"
        },
        {
          "data": "RuleData2",
          "name": "Rule2",
          "recommendation": "Review",
          "type": "Fraud"
        }
      ]
    }
  },
  "sourceOfFunds": {
    "provided": {
      "card": {
        "cardNumber": "1234567812345678",
        "expiryDate": "12/25",
        "cardHolderName": "John Doe"
      }
    },
    "type": "CreditCard"
  },
  "timeOfRecord": "2024-12-26T12:00:00Z",  
  "transaction": {
    "acquirer": {
      "batch": 123456,
      "date": "2024-12-25",
      "id": "A12345",
      "merchantId": "KW23821",
      "settlementDate": "2024-12-26T00:00:00",
      "timeZone": "UTC",
      "transactionId": "TX123456789"
    },
    "amount": 100.50,
    "authorizationCode": "AUTH1234",
    "currency": "USD",
    "frequency": "One-time",
    "id": "TX987654321",
    "receipt": "RECEIPT1234",
    "source": "Online",
    "terminal": "TERM1234",
    "type": "Purchase",
    "authenticationStatus": "Authenticated"
  },
  "version": "1.0",               
  "userRefs": [
    {
      "CreatedDate": "2024-12-26T00:00:00",
      "Status": true,
      "FullName": "John Doe",
      "EmailID": "[e-mail]",
      "MobileNumber": "[phone]",
      "Expiry": "2025-12-31",
      "Info1": "Additional Info",
      "MaskedCard": "**** **** **** 1234",
      "TunnelCode": "TUNNEL123",
      "PaymentChannelCode": "PC123",
      "CurrencyCode": "USD",
      "CountryCode": "US",
      "UserReference": 1234567890,
      "UserID": 9876543210,
      "CID": "CID12345",
      "Info2": "More Info"
    }
  ],
  "SelectedCID": "selected_cid"  
}

User will be redirected to provided CallBackURL. For more info about redirection refer here.