Card on File Payment

• Versions
  • Version 21.09.2020
• Requirements
  • Saving Card for Future Payments
• Payment with Saved Card
• List of Response Codes

Versions

Version 21.09.2020

• Initial version
• Added Requirements section
• Added HTTP API docs for Card on File payment

Requirements

Before you continue with this guide ensure:

• You have active merchant account. If you do not have one contact [email protected] to obtain one
• You have saved (tokenized) cards for future payments through our SDKs (web and/or mobile)

Saving Card for Future Payments via SDKs

If you do not have saved (tokenized) cards for future payments please refer to our guides:

• Web
  • Monri Components
  • Redirect Integration
  • Lightbox Integration
• Mobile
  • Android SDK
  • iOS SDK

Payment With Saved Card

Before you continue familiarize yourself with Transaction API.

To execute payment with saved card:

• you need to supply pan_token instead of a single use token or card number, expiration date, cvv
• set moto to true

Authorization request example

{
   "transaction":{
      "transaction_type":"authorize",
      "amount":100,
      "ip":"10.1.10.111",
      "order_info":"Monri components trx",
      "ch_address":"Adresa",
      "ch_city":"Grad",
      "ch_country":"BIH",
      "ch_email":"[email protected]",
      "ch_full_name":"Test",
      "ch_phone":"061 000 000",
      "ch_zip":"71000",
      "currency":"BAM",
      "digest":"6af94189788cc073464764c69a9afaea3196bd7ca84b442a76aa141f6b48f8cf323b77aebe0cb72099816e69c08981eccd312ff30d88fa293670a830d78e2466",
      "order_number":"1568236677437",
      "authenticity_token":"6a13d79bde8da9320e88923cb3472fb638619ccb",
      "language":"en",
      "pan_token":"3cfb7f1df0ef7ef707ad213e4850219ed4b4553a96a68b6430359d002acdcafd",
      "moto": true
   }
}

This JSON is now posted to https://ipgtest.monri.com/v2/transaction.

Note that pan_token and moto values are set.

IMPORTANT Parametrize https://ipgtest.monri.com URL, in production mode the subdomain will be different.

If all values pass validations at our side, transaction is send to the bank and response is returned. This response may look like this:

• HTTP status code: 201 - Created
• HTTP headers: {:connection=>”close”, :date=>”Tue, 25 Oct 2011 01:18:37 GMT”, :location=>”https://ipgtest.monri.com/transactions/845”, :content_type=>”application/json; charset=utf-8”, :cache_control=>”no-cache”, :x_ua_compatible=>”IE=Edge”, :x_runtime=>”1.475305”, :transfer_encoding=>”chunked”}
• HTTP body:

  {
     "transaction":{
    "id":187091,
    "acquirer":"integration_acq",
    "order_number":"1568265143783",
    "amount":100,
    "currency":"BAM",
    "outgoing_amount":100,
    "outgoing_currency":"BAM",
    "approval_code":"376161",
    "response_code":"0000",
    "response_message":"approved",
    "reference_number":"000002903748",
    "systan":"187090",
    "eci":"06",
    "xid":null,
    "acsv":null,
    "cc_type":"visa",
    "status":"approved",
    "created_at":"2019-09-12T07:12:27.019+02:00",
    "transaction_type":"purchase",
    "enrollment":"N",
    "authentication":null,
    "pan_token":"3cfb7f1df0ef7ef707ad213e4850219ed4b4553a96a68b6430359d002acdcafd",
    "issuer":"xml-sim"
     }
  }    
  

New transaction is generated - 201 Created HTTP status code, and it’s location is set in appropriate HTTP header.

A client then must parse a body from HTTP response and extract all values from that JSON document.

Transaction is approved only and if only status is set to approved.

All other fields are standard data carried over payment networks.

If issuer declines a transaction, status flag is set to declined. In a case of an error, the flag will be set to invalid.

IMPORTANT Do not rely on any output variable except status to determine successful of authorization.

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