Payment flow with credit cards

The following payment methods are supported for the Credit/debit cards with 3DS flow: Visa, Visa Electron, Mastercard, Maestro, American Express, JCB, Discover, UnionPay, and Dankort.

While 3DS-related fields were not mandatory for the previous API versions, they are required starting with API 6.0 to fully support the regulations brought by PSD2 and SCA. We always recommend using the latest version of the API to benefit from the latest functionalities and best performance.

Availability

Available for all 2Checkout accounts.

Requirements

To place orders with credit/debit cards via API, merchants fall under the requirements of the Payment Card Industry's Security Standards Council and are required to provide proof of attestation for an SAQ-D questionnaire before activation of this feature.

If you want to use the 2Checkout API, contact 2Checkout for activation.

Payment method object structure

Parameter	Type / Description
CardNumber	Required (string) The number of credit/debit cards.
CardType	Optional (string) Can be: Visa, Visa electron, Mastercard, Maestro, Amex, Discover, Dankort, Carte bancaire, JCB, Hypercard, Elo card.
ExpirationYear	Required (string) Card expiration year.
ExpirationMonth	Required (string) Card expiration month.
CCID	Required (string) The CVV/card security code.
HolderName	Required (string) Cardholder name.
Vendor3DSReturnURL	Required (string) URL address to which customers are redirected after the 3DS details get validated by the bank and the order is successfully authorized.
Vendor3DSCancelURL	Required (string) URL address to which customers are redirected if the 3DS details were not validated or the order could not be authorized.
RecurringEnabled	Optional (boolean) True or false, depending on whether the shoppers checked the subscription auto-renewal checkbox or not, during the purchase process.

Request sample

The full JSON used to place an order with credit cards would look like this:

{
  "Items": [\
    {\
      "Code": "5DCB30C6B0",\
      "Quantity": 1\
    }\
  ],
  "BillingDetails": {
    "Email": "[e-mail]",
    "FirstName": "Customer First Name",
    "LastName": "Customer Last Name",
    "CountryCode": "US",
    "State": "California",
    "City": "San Francisco",
    "Address1": "Example Street",
    "Zip": "90210"
  },
  "PaymentDetails": {
    "Type": "CC",
    "Currency": "USD",
    "CustomerIP": "10.10.10.10",
    "PaymentMethod": {
      "CardNumber": "4111111111111111",
      "CardType": "VISA",
      "ExpirationYear": "2023",
      "ExpirationMonth": "12",
      "HolderName": "Red Doe",
      "CCID": "123",
      "Vendor3DSReturnURL": "http://yoursuccessurl.com",
      "Vendor3DSCancelURL": "http://yourcancelurl.com"
    }
  },
  "Language": "en",
  "Country": "US",
  "CustomerIP": "10.10.10.10",
  "Source": "Website",
  "ExternalCustomerReference": "externalCustomerId",
  "Currency": "USD",
  "MachineId": "123456789"
}

The API will respond with the full order object (for orders placed successfully) or with an error message.

3D Secure Flow

For more information on the 3DS flow, refer to this article.