OCT transactions

OCT overview

OCT (Original Credit Transaction) - a special type of transaction for crediting funds to the recipient in real time.

The following rules are applied to all OCT transactions:

In OCT transaction the order registration request must contain the parameter features with the value WITHOUT_FROM_CARD.
The data of the card to be credited, i.e. toCard, is specified in OCT transaction.

OCT operation scenario

sequenceDiagram participant C as Client participant OS as Online store participant PG as Payment Gateway C ->> OS: 1. Forming an Order OS ->> PG: 2. Registering the Order PG -->> OS: 3. orderId, formUrl OS -->> C: 4. Redirecting to the card data collection form C ->> PG: 5. Sending the data in the filled in form PG ->> PG: 6. Transfer of funds PG -->> C: 7. Redirecting the client to the online store C ->> OS: 8. Getting the page with the result OS ->> PG: 9. Checking the status PG -->> OS: 10. Status of the Order OS -->> C: 11. Showing the result

A cardholder (client) interacts with the online store to create an order.
The online store system registers the order in the Payment Gateway via registerP2P.do. The registration parameters used include the amount of the transfer, the currency, the order number in the merchant's system, and the return URL for the client.
In response to the registration request, the Payment Gateway returns a unique identifier of the order in the payment system and the URL to redirect the client to the form for card data collection.
The online store system passes the redirect URL received on step 3 to the client's Web browser.
Client fills in the form and the data is sent to the Payment Gateway server.
Payment Gateway makes the transfer of funds via performP2P.do.
When the money is transferred, the Payment Gateway sends the return URL to the client's Web browser (the URL was specified during the registration of the order by the online store on step 2).
The client's Web browser requests the results of the money transfer from the online store.
The online store system requests the information about the order status from the payment gateway - getP2PStatus.do.
Payment Gateway returns the status of the order.
The online store system shows payment result to the client.

API calls

OCT integrations require API calls to be signed. Information about request signatures is available in our API Guide.

P2P order registration

To register an order for the card-to-card money transfer, use https://dev.processing.ae/payment/rest/api/p2p/registerP2P.do request.

When sending the request, you should use the header: Content-Type: application/json

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Mandatory	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Mandatory	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Mandatory	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Mandatory	`returnUrl`	String [1..512]	The address to which the user will be redirected if the payment is successful. The address must be specified in full including the protocol used (for example, `https://mybestmerchantreturnurl.com` instead of `mybestmerchantreturnurl.com`). Otherwise, the user will be redirected to the address of the following type `https://dev.processing.ae/payment/<merchant_address>`. The address must not be a relative path, i.e. it must not start with "." and "/". Otherwise, error 4 will be returned: "The return URL is invalid". For example: ../test.html, /test.html- invalid URLs.
Optional	`failUrl`	String [1..512]	The address to which the user is to be redirected in case of a failed payment. The address must be specified in full including the protocol used (for example, `https://mybestmerchantreturnurl.com` instead of `mybestmerchantreturnurl.com`). Otherwise, the user will be redirected to the address of the following type `https://dev.processing.ae/payment/<merchant_address>`. The address must not be a relative path, i.e. it must not start with "." and "/". Otherwise, error 4 will be returned: "The return URL is invalid". For example: ../test.html, /test.html- invalid URLs.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Optional	`clientId`	String [0..255]	Customer number (ID) in the merchant's system — up to 255 characters. Used to implement the functionality of stored-credential transactions. Can be returned in the response if the merchant is allowed to store credentials. Specifying this parameter in stored-credential transactions is mandatory. Otherwise, a payment will be unsuccessful.
Optional	`merchantLogin`	String [1..255]	To register an order on behalf of another merchant, specify the merchant's API account login in this parameter. Can be used only if you have the permission to see the transactions of other merchants or if the specified merchant is your child merchant.
Optional	`dynamicCallbackUrl`	String [1..512]	This parameter allows you to use the functionality of sending callback notifications dynamically. Here you can pass the address to which all "payment" callback notifications activated for the merchant will be sent. "Payment" notifications are callback notifications related to the following events: successful hold, payment declined by timeout, cardpresent payment is declined, successful debit, refund, cancellation. At the same time, callback notifications activated for the merchant that are not related to payments (enabling/disabling a stored credential, storing a credential) will be sent to a static address for callbacks. Whether the parameter is mandatory or not depends on the merchant configuration on Payment Gateway side.
Optional	`sessionTimeoutSecs`	Integer [1..9]	Order lifetime in seconds. If the parameter is not specified, the value specified in the merchant settings or the default value (1200 seconds = 20 minutes) will be used. If the request contains `expirationDate`, the value of `sessionTimeoutSecs` is not taken into account.
Optional	`sessionExpiredDate`	String	Data and time of the order expiry. Format used: `yyyy-MM-ddTHH:mm:ss`. If this parameter is not passed in the request, `sessionTimeoutSecs` is used to define the expiry of the order.
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Optional	`bindingId`	String [1..255]	Identifier of an already existing stored credential. This is the card ID tokenized by the Gateway. Can be used only if the merchant has the permission to work with stored credentials. If this parameter is passed in this request, it means that: This order can only be paid with a stored credential; The payer will be redirected to a payment page where only CVC entry is required. The request must contain either `bindingId`, or `seToken`.
Optional	`creditBindingId`	String [0..255]	Identifier of the stored credential of the card to be credited. It is used in card-to-card transfers when the recipient's card is known in advance. This parameter should first be passed in the request for transfer register (`registerP2P.do` - `clientId` parameter should also be passed here), then in the request for transfer funds by binding (`performP2PByBinding.do` - the value of `creditBindingId` parameter passed in `registerP2P.do` should be passed in `bindingId` parameter in `toCard` block).
Mandatory	`transactionTypeIndicator`	String	Indicator of transaction type. It is used in one-direction types of transaction. There are such possible values: `A` – Account to Account (one person) `B` – Business to business transfer `C` – Transfer for the purpose of purchasing cryptocurrency `D` – Funds Disbursement `F` – Transfer for gambling betting `G` – Online gambling payout `H` – Cash Out (Withdrawal) `I` – Government disbursment `J` – Money transfer – bank-initiated `L` – Non-Card Bill Payment `O` – Credit card Bill Payment `P` – Person to Person (different persons) `W` – Transfer to own account of a staged digital wallet for payment. When using this parameter, you should pass `features` block which includes the parameter corresponding to the type of operation.
Mandatory	`features`	Object	Field for `feature` parameter, is mandatory for one-direction operations. If OCT operation is performed (transfer from account to card) - `WITHOUT_FROM_CARD` should be passed in `feature` parameter. Example: `"features" : { "feature" : ["WITHOUT_FROM_CARD"] }`
Optional	`params`	Object	Fields for storing additional order information, must be passed as follows `{"param":"value","param2":"value2"}`. These fields can be passed to the processing bank for further display in the bank registries.
Optional	`shippingPayerData`	Object	Object containing customer delivery data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`preOrderPayerData`	Object	Object containing pre-order data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`orderPayerData`	Object	Object containing data about the order payer. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`billingAndShippingAddressMatchIndicator`	String [1]	Indicator for matching the cardholder's billing address and shipping address. This parameter is used for further 3DS authentication of the customer. Possible values: `Y` - the cardholder's billing address and shipping address match; `N` - cardholder billing address and shipping address do not match.
Conditional	`billingPayerData`	Object	A block with the client's registration data (address, postal code) necessary for passing the address verification within the AVS/AVV services and other information like the payer's name, document number, etc. Mandatory if the feature is enabled for the merchant on Payment Gateway side. Should be included either in registerP2P.do request or performP2P.do request. See nested parameters.
Conditional	`billingRecipientData`	Object	A block with the data about the recipient. Mandatory if the feature is enabled for the merchant on Payment Gateway side. Should be included either in registerP2P.do request or performP2P.do request. See nested parameters.
Optional	`debitMdOrder`	String [1..36]	Unique number of the order for which AFT transfer in IPay was performed. This parameter is used for OCT operations for P2P transfers (AFT+OCT).
Conditional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is filled by the `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction. Mandatory if a Mastercard Money Funding Payment was made earlier and a Unique Transaction Reference was generated and sent.
Optional	`transactionPurpose`	String	Transaction purpose (used for OCT transactions using Mastercard). Possible values: `FAMILY_SUPPORT` or `0` `REGULAR_LABOR_TRA` or `1` `TRAVEL_AND_TOURISM` or `2` `EDUCATION` or `3` `HOSPITALIZATION` or `4` `EMERGENCY_NEED` or `5` `SAVING` or `6` `GIFTS` or `7` `OTHER` or `8` `SALARY` or `9` `CROWD_LENDING` or `10` `CRYPTO_CURRENCY` or `11` `REFUND_ORIGINAL` or `12` `REFUND_NEW_CARD` or `13` `TRANSFER_SAME_WAL` or `14` `BOLETO_PAYMENT` or `15` `HIGH_RISK_SECURITY` or `16` `RECYCLING_DEPOSIT_RETURN` or `17` `VALUE_ADDED_TAX` or `18`
Optional	`serviceProcessingType`	String	The type of processing service (used for OCT transactions using Visa). A service flag that tells Visa system how to process a transaction at their processing level. Possible values: `NORMAL` or `00` `ORIG_HOLD` or `01` `VISA_DEFERRED_DEFAULT` or `02` `VISA_DEFERRED_CUSTOM` or `03` `CANCEL_DEFERRED` or `09` `VISA_DIRECT_CUSTOM` or `0I` `DEFERRED_OCT_QUERY` or `0Q` `REC_PAYOUT` or `0R` `ALIAS_DIRECTORY` or `A0`

Description of parameters in shippingPayerData object:

Required	Name	Type	Description
Optional	`shippingCity`	String [1..50]	The customer's city (from the delivery address)
Optional	`shippingCountry`	String [1..50]	The customer's country
Optional	`shippingAddressLine1`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine2`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine3`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingPostalCode`	String [1..16]	The customer's zip code for delivery
Optional	`shippingState`	String [1..50]	Customer's state/region (from delivery address)
Optional	`shippingMethodIndicator`	Integer [2]	Shipping Method Indicator. Possible values: `01` - delivery to the cardholder's billing address `02` - delivery to another address verified by Merchant `03` - delivery to an address other than the cardholder's primary (settlement) address `04` - shipment to the store/self-collection (the store address should be specified in the relevant delivery parameters) `05` - Digital distribution (includes online services and e-gift cards) `06` - travel and event tickets that are not deliverable `07` - Other (e.g. games, non-deliverable digital goods, digital subscriptions, etc.)
Optional	`deliveryTimeframe`	Integer [2]	Product delivery timeframe. Possible values: `01` - digital distribution `02` - same-day delivery `03` - overnight delivery `04` - delivery within 2 days after payment and later
Optional	`deliveryEmail`	String [1..254]	Target email address for delivery of digital distribution. Note that it is preferrable to pass the email in a separate `email` parameter of the request. The `deliveryEmail` parameter specified in this block is only used to fill `MerchantRiskIndicator` during 3DS authorization.

Description of parameters in preOrderPayerData object:

Required	Name	Type	Description
Optional	`preOrderDate`	String [10]	Expected date when delivery will be available (for pre-ordered purchases), in the format YYYYYYMMDD.
Optional	`preOrderPurchaseInd`	Integer [2]	Indicator of a customer placing an order for available or future delivery. Possible values: `01` - delivery available; `02` - future delivery
Optional	`reorderItemsInd`	Integer [2]	An indicator that the customer is rebooking a previously paid delivery as part of a new order. Possible values: `01` - order placed for the first time; `02` - repeated order

Description of parameters in orderPayerData object:

Required	Name	Type	Description
Optional	`homePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Optional	`workPhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Conditional	`mobilePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.` For payment by VISA with 3DS authorization, it is necessary to specify either phone or email of the cardholder. If you have a setting to display phone number on the payment page and have specified an invalid number, the customer will have a possibility to correct it on the payment page.

Below are the parameters of the billingPayerData block (data about the client registration address).

Required	Name	Type	Description
Optional	`billingCity`	String [0..50]	The city registered on a specific card of the Issuing Bank.
Optional	`billingCountry`	String [0..50]	The country registered on a specific card of the Issuing Bank. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`billingAddressLine1`	String [0..50]	The address registered on a specific card of the Issuing Bank (A payer’s address). Line 1. Mandatory to be passed in order AVS verification works.
Optional	`billingAddressLine2`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 2.
Optional	`billingAddressLine3`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 3.
Optional	`billingPostalCode`	String [0..9]	Postal code registered on a specific card of the Issuing Bank. Mandatory to be passed in order AVS verification works.
Optional	`billingState`	String [0..50]	The state registered on a specific card of the Issuing Bank. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Mandatory	`payerAccount`	String [1..32]	Payer's account number.
Optional	`payerLastName`	String [1..64]	Payer's last name.
Optional	`payerFirstName`	String [1..35]	Payer's first name.
Optional	`payerMiddleName`	String [1..35]	Payer's middle name.
Optional	`payerCombinedName`	String [1..99]	Payer's full name.
Optional	`payerIdType`	String [1..8]	Type of the payer's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`payerIdNumber`	String [1..100]	Number of the payer's identifying document (e.g. passport) provided.
Optional	`payerBirthday`	String [1..20]	Payer's birth date in the YYYYMMDD format.
Conditional	`payerAccountNumberType`	String [1..20]	Payer's account number type. Mandatory for OCT transactions using Mastercard. Possible values: `RTN` or `1` – RTN + Bank Account `IBAN` or `2` – IBAN `CARD_ACCOUNT` or `3` – Card Account `EMAIL` or `4`– Email `PHONE_NUMBER` or `5` – Phone Number `BAN_AND_BIC` or `6` – Bank account number (BAN) + Bank Identification Code (BIC) `WALLET_ID` or `7` – Wallet Id `SOCIAL_NETWORK_ID` or `8` – Social Network Id `OTHER` or `100` – Other

Below are the parameters of the billingRecipientData block (data about the recipient).

Required	Name	Type	Description
Optional	`recipientCity`	String [0..40]	The recipient city code in the ISO 3166-1 alpha-3 format.
Optional	`recipientCountry`	String [0..50]	The recipient country code. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`recipientAddressLine1`	String [0..50]	The recipient address. Can contain Latin characters only.
Optional	`recipientPostalCode`	String [0..9]	Postal code of the recipient.
Optional	`recipientState`	String [0..50]	The recipient state code. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Optional	`recipientAccount`	String [0..32]	Recipient's account number.
Optional	`recipientAccountNumberType`	Integer [1..2]	Type of recipient account. Available values: `1` - RTN + Bank Account; `2` - IBAN; `3` - Card Account; `4` - E-mail; `5` - Phone Number; `6` - Bank account number (BAN) + Bank Identification Code (BIC); `7` - Wallet Id; `8` - Social Network Id; `100` - Other.
Mandatory	`recipientLastName`	String [0..35]	Recipient's last name.
Mandatory	`recipientFirstName`	String [0..35]	Recipient's first name.
Optional	`recipientMiddleName`	String [0..35]	Recipient's middle name.
Optional	`recipientCombinedName`	String [0..99]	Recipient's full name.
Optional	`recipientIdType`	String [1..8]	Type of the recipient's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`recipientIdNumber`	String [1..99]	Number of the recipient's identifying document provided.
Optional	`recipientBirthday`	String [1..20]	Recipient's birth date in the format YYYYMMDD.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`formUrl`	String [1..512]	URL of the payment form, to which a customer will be redirected The URL is not returned if the registration of the order fails due to an error specified in `errorCode`.
Optional	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.

Examples

Request example of OCT operation

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/registerP2P.do'
-H 'Content-Type: application/json'
--data-raw '{
  "username":"test_user",
  "password":"test_user_password",
  "amount" : 50000,
  "currency" : "978",
  "returnUrl" : "https://mybestmerchantreturnurl.com",
  "orderNumber": "12",
  "clientId": "122313",
  "transactionTypeIndicator": "A",
  "features":{
      "feature":["WITHOUT_FROM_CARD"]
   }
}'

Response example

{
  "errorCode": 0,
  "errorMessage": "Successful",
  "orderId": "0a4eaae8-653a-71a9-8259-46fc00a8ea58",
  "formUrl": "https://dev.processing.ae/payment/merchants/ecom/payment.html?mdOrder=0a4eaae8-653a-71a9-8259-46fc00a8ea58&language=en",
  "orderNumber": "2009"
}

Fee amount

To obtain the fee amount for the money transfer, use https://dev.processing.ae/payment/rest/api/p2p/verifyP2P.do request.

When sending the request, you should use the header: Content-Type: application/json

The structure of the performP2P.do request assumes the presence of the toCard block to pass the attributes of the card to be credited.

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Mandatory	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Optional	`amount`	String [0..12]	Transfer amount in minor currency units (e.g. in cents). This parameter is passed if the payer decides to change the transfer amount when carrying out the money transfer.
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Optional	`billingPayerData`	Object	A block with the client's registration data (address, postal code) necessary for passing the address verification within the AVS/AVV services and other information like the payer's name, document number, etc. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Optional	`billingRecipientData`	Object	A block with the data about the recipient. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Mandatory	`toCard`	Object	A block with the attributes of the card to be credited. See nested parameters.

The toCard block consists of the following possible parameters:

Required	Name	Type	Description
Conditional	`pan`	String [1..19]	The number of the card to be credited.
Optional	`expirationYear`	Integer [4]	The year of expiration of the card that is to be credited. The accepted values are from 2000 to 2200.
Optional	`expirationMonth`	Integer [2]	The month of expiration of the card that is to be credited. Available values are as follows: 01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12.
Optional	`cardholderName`	String [1..26]	The name of the holder of the card that is to be credited.
Conditional	`seToken`	String	Encrypted card data. Must be passed if used instead of the card data. The mandatory parameters for seToken string are `timestamp`, `UUID`, `bindingId`, `MDORDER`. Click here for more information about seToken generation.

Below are the parameters of the billingPayerData block (data about the client registration address).

Required	Name	Type	Description
Optional	`billingCity`	String [0..50]	The city registered on a specific card of the Issuing Bank.
Optional	`billingCountry`	String [0..50]	The country registered on a specific card of the Issuing Bank. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`billingAddressLine1`	String [0..50]	The address registered on a specific card of the Issuing Bank (A payer’s address). Line 1. Mandatory to be passed in order AVS verification works.
Optional	`billingAddressLine2`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 2.
Optional	`billingAddressLine3`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 3.
Optional	`billingPostalCode`	String [0..9]	Postal code registered on a specific card of the Issuing Bank. Mandatory to be passed in order AVS verification works.
Optional	`billingState`	String [0..50]	The state registered on a specific card of the Issuing Bank. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Mandatory	`payerAccount`	String [1..32]	Payer's account number.
Optional	`payerLastName`	String [1..64]	Payer's last name.
Optional	`payerFirstName`	String [1..35]	Payer's first name.
Optional	`payerMiddleName`	String [1..35]	Payer's middle name.
Optional	`payerCombinedName`	String [1..99]	Payer's full name.
Optional	`payerIdType`	String [1..8]	Type of the payer's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`payerIdNumber`	String [1..100]	Number of the payer's identifying document (e.g. passport) provided.
Optional	`payerBirthday`	String [1..20]	Payer's birth date in the YYYYMMDD format.
Conditional	`payerAccountNumberType`	String [1..20]	Payer's account number type. Mandatory for OCT transactions using Mastercard. Possible values: `RTN` or `1` – RTN + Bank Account `IBAN` or `2` – IBAN `CARD_ACCOUNT` or `3` – Card Account `EMAIL` or `4`– Email `PHONE_NUMBER` or `5` – Phone Number `BAN_AND_BIC` or `6` – Bank account number (BAN) + Bank Identification Code (BIC) `WALLET_ID` or `7` – Wallet Id `SOCIAL_NETWORK_ID` or `8` – Social Network Id `OTHER` or `100` – Other

Below are the parameters of the billingRecipientData block (data about the recipient).

Required	Name	Type	Description
Optional	`recipientCity`	String [0..40]	The recipient city code in the ISO 3166-1 alpha-3 format.
Optional	`recipientCountry`	String [0..50]	The recipient country code. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`recipientAddressLine1`	String [0..50]	The recipient address. Can contain Latin characters only.
Optional	`recipientPostalCode`	String [0..9]	Postal code of the recipient.
Optional	`recipientState`	String [0..50]	The recipient state code. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Optional	`recipientAccount`	String [0..32]	Recipient's account number.
Optional	`recipientAccountNumberType`	Integer [1..2]	Type of recipient account. Available values: `1` - RTN + Bank Account; `2` - IBAN; `3` - Card Account; `4` - E-mail; `5` - Phone Number; `6` - Bank account number (BAN) + Bank Identification Code (BIC); `7` - Wallet Id; `8` - Social Network Id; `100` - Other.
Mandatory	`recipientLastName`	String [0..35]	Recipient's last name.
Mandatory	`recipientFirstName`	String [0..35]	Recipient's first name.
Optional	`recipientMiddleName`	String [0..35]	Recipient's middle name.
Optional	`recipientCombinedName`	String [0..99]	Recipient's full name.
Optional	`recipientIdType`	String [1..8]	Type of the recipient's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`recipientIdNumber`	String [1..99]	Number of the recipient's identifying document provided.
Optional	`recipientBirthday`	String [1..20]	Recipient's birth date in the format YYYYMMDD.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.

The feeDescriptionList block includes the following parameters:

Required	Name	Type	Description
Optional	`feeAmount`	Integer [1..12]	Fee amount.
Optional	`feeCurrency`	String [3]	The ISO 4217 code of the fee currency.
Optional	`feeDescription`	String [1..512]	The description of the fee.

Examples

Request example

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/verifyP2P.do' -H 'Content-Type: application/json' --data-raw '{
  "username":"test_user",
  "password":"test_user_password",
  "orderId": "0a4eaae8-653a-71a9-8259-46fc00a8ea58",
  "toCard": {
    "pan": "4000001111111118"
  },
  "amount" : 50000
}'

Response example

{
  "errorCode": 0,
  "errorMessage": "Successful",
  "feeDescriptionList: [ {
    "feeAmount": 500,
	"feeCurrency": "978",
	"feeDescription": "Acquirer fee"
  } ]
}

Stored-credential P2P fee amount

To get the amount of commission when transferring funds by a stored-credential transaction, use the https://dev.processing.ae/payment/rest/api/p2p/verifyP2PByBinding.do request.

When sending the request, you should use the header: Content-Type: application/json

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Mandatory	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Mandatory	`toCard`	Object	A block with the attributes of the card to be credited. See nested parameters.

The toCard block consists of the following possible parameters:

Required	Name	Type	Description
Conditional	`bindingId`	String [1..255]	Identifier of the credentials stored when paying for the order or used for payment. Available only if the merchant is allowed to store credentials.
Conditional	`pan`	String [1..19]	The number of the card to be credited.
Optional	`expirationYear`	Integer [4]	The year of expiration of the card that is to be credited. The accepted values are from 2000 to 2200.
Optional	`expirationMonth`	Integer [2]	The month of expiration of the card that is to be credited. Available values are as follows: 01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12.
Optional	`cardholderName`	String [1..26]	The name of the holder of the card that is to be credited.
Conditional	`seToken`	String	Encrypted card data. Must be passed if used instead of the card data. The mandatory parameters for seToken string are `timestamp`, `UUID`, `bindingId`, `MDORDER`. Click here for more information about seToken generation.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`feeAmount`	Integer [1..12]	Fee amount.
Optional	`feeCurrency`	String [3]	The ISO 4217 code of the fee currency.
Optional	`feeDescription`	String [1..512]	The description of the fee.

Examples

Request example

curl --location --request POST 'https://dev.processing.ae/payment/rest/api/p2p/verifyP2PByBinding.do' \
--header 'Content-Type: application/json' \
--data-raw '{
    "username": "test_user",
    "password": "test_user_password",
    "orderId": "fa71bf70-7c81-484e-a6fc-7db7e4283b2a",
	"bindingId": "4d792471-cee0-742c-922d-a265072e6148",
	"toCard": {
        "cardholderName": "NAME SURNAME",
        "cvc": "123",
        "expirationMonth": 12,
        "expirationYear": 2024,
        "pan": "5555555555555599"
    },
    "amount": 1000,
    "currency": "978",
    "clientId": "123"
}'

Response example

{
  "errorCode" : 0,
  "errorMessage" : "Successful",
  "feeDescriptionList" : [ {
    "feeAmount" : 10,
    "feeCurrency" : "978",
    "feeDescription" : "Acquirer fee"
  } ]
}

P2P transfer

To perform a card-to-card money transfer, use https://dev.processing.ae/payment/rest/api/p2p/performP2P.do request.

When sending the request, you should use the header: Content-Type: application/json

The structure of the performP2P.do request assumes the presence of the toCard block to pass the attributes of the card to be credited.

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Mandatory	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Optional	`email`	String [1..40]	The payer's email address.
Optional	`amount`	String [0..12]	Transfer amount in minor currency units (e.g. in cents). This parameter is passed if the payer decides to change the transfer amount when carrying out the money transfer.
Optional	`type`	String	In OCT transaction, it is necessary to pass the corresponding value in this parameter: `WITHOUT_TO_CARD` - without indication of the card to be credited.
Optional	`amountInput`	Integer [0..12]	Amount of transfer in minor currency units (e.g. in cents). If the amount is specified in this parameter, the transfer will be made for this amount (regardless of the amount passed in the order registration request).
Optional	`captcha`	String	CAPTCHA (a text intended to distinguish human from machine input)
Optional	`threeDSSDK`	Boolean	Possible values: `true` or `false`. Flag showing that payment comes from 3DS SDK.
Optional	`threeDSSDKEncData`	String	Encrypted data about device. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKReferenceNumber`	String	3DS2 SDK official identifier
Optional	`threeDSSDKEphemPubKey`	String	Public part of ephemeral key. Required to etablish session with ACS. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKAppId`	String	Unique identifier of SDK.Parameter is mandatory for SDK flow.
Optional	`threeDSSDKTransId`	String	Unique identifier of transaction within SDK. Parameter is mandatory for SDK flow.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.
Conditional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Conditional	`threeDSVer2MdOrder`	String [1..36]	Order number which was registered in the first part of the request within 3DS2 transaction. Mandatory for 3DS2 authentication. If this parameter is present in the request, the `mdOrder` value passed in it overrides, and in this case the order gets paid right away instead of being registered. This parameter is used only for instant payments, i.e., when the order is registered and payed via the same request.
Optional	`bindingNotNeeded`	Boolean	Allowed values: `true` – storing the credential after the payment is disabled (a stored credential is a customer identifier passed in order registration request — after payment it will be deleted from order details); `false` – if payment is successful the credential can be stored (if the necessary conditions are met). This is the default value.
Conditional	`originalPaymentNetRefNum`	String [1..36]	The identifier of the original or previous successful transaction in the payment system in relation to the performed stored-credential transaction - TRN ID. Is passed when `tii` = `R`,`U`, or `F`. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Conditional	`originalSchemeTransactionId`	String [1..22]	The identifier of the original successful Mastercard transaction. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`params`	Object	Fields for storing additional order information, must be passed as follows `{"param":"value","param2":"value2"}`. These fields can be passed to the processing bank for further display in the bank registries.
Optional	`shippingPayerData`	Object	Object containing customer delivery data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`preOrderPayerData`	Object	Object containing pre-order data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`orderPayerData`	Object	Object containing data about the order payer. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`billingAndShippingAddressMatchIndicator`	String [1]	Indicator for matching the cardholder's billing address and shipping address. This parameter is used for further 3DS authentication of the customer. Possible values: `Y` - the cardholder's billing address and shipping address match; `N` - cardholder billing address and shipping address do not match.
Conditional	`billingPayerData`	Object	A block with the client's registration data (address, postal code) necessary for passing the address verification within the AVS/AVV services. Mandatory if the feature is enabled for the merchant on Payment Gateway side. Should be included either in registerP2P.do request or performP2P.do request. See nested parameters.
Conditional	`billingRecipientData`	Object	A block with the data about the recipient. Mandatory if the feature is enabled for the merchant on Payment Gateway side. Should be included either in registerP2P.do request or performP2P.do request. See nested parameters.
Mandatory	`toCard`	Object	A block with the attributes of the card to be credited. See nested parameters.
Conditional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is filled by the `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction. Mandatory if a Mastercard Money Funding Payment was made earlier and a Unique Transaction Reference was generated and sent.
Optional	`transactionPurpose`	String	Transaction purpose (used for OCT transactions using Mastercard). Possible values: `FAMILY_SUPPORT` or `0` `REGULAR_LABOR_TRA` or `1` `TRAVEL_AND_TOURISM` or `2` `EDUCATION` or `3` `HOSPITALIZATION` or `4` `EMERGENCY_NEED` or `5` `SAVING` or `6` `GIFTS` or `7` `OTHER` or `8` `SALARY` or `9` `CROWD_LENDING` or `10` `CRYPTO_CURRENCY` or `11` `REFUND_ORIGINAL` or `12` `REFUND_NEW_CARD` or `13` `TRANSFER_SAME_WAL` or `14` `BOLETO_PAYMENT` or `15` `HIGH_RISK_SECURITY` or `16` `RECYCLING_DEPOSIT_RETURN` or `17` `VALUE_ADDED_TAX` or `18`
Optional	`serviceProcessingType`	String	The type of processing service (used for OCT transactions using Visa). A service flag that tells Visa system how to process a transaction at their processing level. Possible values: `NORMAL` or `00` `ORIG_HOLD` or `01` `VISA_DEFERRED_DEFAULT` or `02` `VISA_DEFERRED_CUSTOM` or `03` `CANCEL_DEFERRED` or `09` `VISA_DIRECT_CUSTOM` or `0I` `DEFERRED_OCT_QUERY` or `0Q` `REC_PAYOUT` or `0R` `ALIAS_DIRECTORY` or `A0`

Description of parameters in shippingPayerData object:

Required	Name	Type	Description
Optional	`shippingCity`	String [1..50]	The customer's city (from the delivery address)
Optional	`shippingCountry`	String [1..50]	The customer's country
Optional	`shippingAddressLine1`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine2`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine3`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingPostalCode`	String [1..16]	The customer's zip code for delivery
Optional	`shippingState`	String [1..50]	Customer's state/region (from delivery address)
Optional	`shippingMethodIndicator`	Integer [2]	Shipping Method Indicator. Possible values: `01` - delivery to the cardholder's billing address `02` - delivery to another address verified by Merchant `03` - delivery to an address other than the cardholder's primary (settlement) address `04` - shipment to the store/self-collection (the store address should be specified in the relevant delivery parameters) `05` - Digital distribution (includes online services and e-gift cards) `06` - travel and event tickets that are not deliverable `07` - Other (e.g. games, non-deliverable digital goods, digital subscriptions, etc.)
Optional	`deliveryTimeframe`	Integer [2]	Product delivery timeframe. Possible values: `01` - digital distribution `02` - same-day delivery `03` - overnight delivery `04` - delivery within 2 days after payment and later
Optional	`deliveryEmail`	String [1..254]	Target email address for delivery of digital distribution. Note that it is preferrable to pass the email in a separate `email` parameter of the request. The `deliveryEmail` parameter specified in this block is only used to fill `MerchantRiskIndicator` during 3DS authorization.

Description of parameters in preOrderPayerData object:

Required	Name	Type	Description
Optional	`preOrderDate`	String [10]	Expected date when delivery will be available (for pre-ordered purchases), in the format YYYYYYMMDD.
Optional	`preOrderPurchaseInd`	Integer [2]	Indicator of a customer placing an order for available or future delivery. Possible values: `01` - delivery available; `02` - future delivery
Optional	`reorderItemsInd`	Integer [2]	An indicator that the customer is rebooking a previously paid delivery as part of a new order. Possible values: `01` - order placed for the first time; `02` - repeated order

Description of parameters in orderPayerData object:

Required	Name	Type	Description
Optional	`homePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Optional	`workPhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Conditional	`mobilePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.` For payment by VISA with 3DS authorization, it is necessary to specify either phone or email of the cardholder. If you have a setting to display phone number on the payment page and have specified an invalid number, the customer will have a possibility to correct it on the payment page.

Below are the parameters of the billingPayerData block (data about the client registration address).

Required	Name	Type	Description
Optional	`billingCity`	String [0..50]	The city registered on a specific card of the Issuing Bank.
Optional	`billingCountry`	String [0..50]	The country registered on a specific card of the Issuing Bank. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`billingAddressLine1`	String [0..50]	The address registered on a specific card of the Issuing Bank (A payer’s address). Line 1. Mandatory to be passed in order AVS verification works.
Optional	`billingAddressLine2`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 2.
Optional	`billingAddressLine3`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 3.
Optional	`billingPostalCode`	String [0..9]	Postal code registered on a specific card of the Issuing Bank. Mandatory to be passed in order AVS verification works.
Optional	`billingState`	String [0..50]	The state registered on a specific card of the Issuing Bank. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Mandatory	`payerAccount`	String [1..32]	Payer's account number.
Optional	`payerLastName`	String [1..64]	Payer's last name.
Optional	`payerFirstName`	String [1..35]	Payer's first name.
Optional	`payerMiddleName`	String [1..35]	Payer's middle name.
Optional	`payerCombinedName`	String [1..99]	Payer's full name.
Optional	`payerIdType`	String [1..8]	Type of the payer's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`payerIdNumber`	String [1..100]	Number of the payer's identifying document (e.g. passport) provided.
Optional	`payerBirthday`	String [1..20]	Payer's birth date in the YYYYMMDD format.
Conditional	`payerAccountNumberType`	String [1..20]	Payer's account number type. Mandatory for OCT transactions using Mastercard. Possible values: `RTN` or `1` – RTN + Bank Account `IBAN` or `2` – IBAN `CARD_ACCOUNT` or `3` – Card Account `EMAIL` or `4`– Email `PHONE_NUMBER` or `5` – Phone Number `BAN_AND_BIC` or `6` – Bank account number (BAN) + Bank Identification Code (BIC) `WALLET_ID` or `7` – Wallet Id `SOCIAL_NETWORK_ID` or `8` – Social Network Id `OTHER` or `100` – Other

Below are the parameters of the billingRecipientData block (data about the recipient).

Required	Name	Type	Description
Optional	`recipientCity`	String [0..40]	The recipient city code in the ISO 3166-1 alpha-3 format.
Optional	`recipientCountry`	String [0..50]	The recipient country code. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`recipientAddressLine1`	String [0..50]	The recipient address. Can contain Latin characters only.
Optional	`recipientPostalCode`	String [0..9]	Postal code of the recipient.
Optional	`recipientState`	String [0..50]	The recipient state code. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Optional	`recipientAccount`	String [0..32]	Recipient's account number.
Optional	`recipientAccountNumberType`	Integer [1..2]	Type of recipient account. Available values: `1` - RTN + Bank Account; `2` - IBAN; `3` - Card Account; `4` - E-mail; `5` - Phone Number; `6` - Bank account number (BAN) + Bank Identification Code (BIC); `7` - Wallet Id; `8` - Social Network Id; `100` - Other.
Mandatory	`recipientLastName`	String [0..35]	Recipient's last name.
Mandatory	`recipientFirstName`	String [0..35]	Recipient's first name.
Optional	`recipientMiddleName`	String [0..35]	Recipient's middle name.
Optional	`recipientCombinedName`	String [0..99]	Recipient's full name.
Optional	`recipientIdType`	String [1..8]	Type of the recipient's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`recipientIdNumber`	String [1..99]	Number of the recipient's identifying document provided.
Optional	`recipientBirthday`	String [1..20]	Recipient's birth date in the format YYYYMMDD.

The toCard block consists of the following possible parameters:

Required	Name	Type	Description
Conditional	`pan`	String [1..19]	The number of the card to be credited.
Optional	`expirationYear`	Integer [4]	The year of expiration of the card that is to be credited. The accepted values are from 2000 to 2200.
Optional	`expirationMonth`	Integer [2]	The month of expiration of the card that is to be credited. Available values are as follows: 01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12.
Optional	`cardholderName`	String [1..26]	The name of the holder of the card that is to be credited.
Conditional	`seToken`	String	Encrypted card data. Must be passed if used instead of the card data. The mandatory parameters for seToken string are `timestamp`, `UUID`, `bindingId`, `MDORDER`. Click here for more information about seToken generation.

The following parameters are also passed during the authentication via the 3DS2 protocol:

Required	Name	Type	Description
Optional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Optional	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`info`	String	The result of an attempt to transfer funds. The value in case of a successful transfer: "Your payment has been processed, redirecting...". The value in case of an error: "Redirecting..."
Conditional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Conditional	`paReq`	String [1..255]	PAReq (Payment Authentication Request) - a message that should be sent to ACS together with redirect. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. This message contains the Base64-encoded data necessary for the cardholder authentication. For details see Redirect to ACS.
Optional	`termUrl`	String [1..512]	In a successful response in case of a 3D-Secure payment. URL address for redirecting the client after interaction with the ACS for the payment completion.
Optional	`originalPaymentNetRefNum`	String [1..36]	The identifier of the original or previous successful transaction in the payment system in relation to the performed stored-credential transaction - TRN ID. Is passed when `tii` = `R`,`U`, or `F`. Is mandatory when using merchant's stored credentials in stored credential transfers.
Conditional	`statusResponse`	Object	Parameters of the order status. This block is returned only if you have a corresponding setting enabled. To enable this feature please contact support. See nested parameters.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is automatically filled by `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction (automatically generated by Payment Gateway) or by the corresponding parameter received in the OCT request.

When authenticating via the 3DS2 protocol, the following parameters are returned during the initial request:

Required	Name	Type	Description
Mandatory	`is3DSVer2`	Boolean	Possible values: `true` or `false`. Flag showing that payment uses 3DS2.
Mandatory	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSMethodUrl`	String [1..512]	URL of ACS Server for gathering browser data.
Mandatory	`threeDSMethodUrlServer`	String [1..512]	URL of 3DS Server for gathering browser data to be included in the AReq (Authentication Request) from 3DS Server to ACS Server.
Optional	`threeDSMethodDataPacked`	String [1..1024]	Base-64-encoded data of CReq (Challenge Response) to be sent to ACS Server.
Optional	`threeDSMethodURLServerDirect`	String [1..512]	URL of `3dsmethod.do` for executing the 3DS method on 3DS Server via Payment Gateway (subject to respective Merchant-level permission).

Below are the parameters to be present in the response, after a repeated request for the payment and the need to redirect the client to the ACS during the authentication via the 3DS2 protocol:

Required	Name	Type	Description
Conditional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Conditional	`packedCReq`	String	Packed challenge request data. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. This value should be used as the ACS link `creq` parameter (`acsUrl`) to redirect the client to the ACS. For details see Redirect to ACS.

The parameters of statusResponse block:

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use transfer status request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`orderStatus`	Integer	The value of this parameter specifies the status of the order in the payment gateway. It is missing if the order has not been found. Below is the list of available values: `0` - order was registered but not paid; `2` - order amount is fully authorized; `3` - authorization reversed; `5` - access control server of the issuing bank initiated authorization procedure; `6` - authorization declined;
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`panMaskedFrom`	String [1..19]	The masked number of the card to be debited.
Optional	`panMaskedTo`	String [1..19]	The masked number of the card to be credited.
Optional	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Optional	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`creationDate`	Integer	Date of order registration.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Mandatory	`resultCode`	Integer	Error code on the request execution. Available values: `0` - in case of success; `1` - in case of an error.
Optional	`orderParams`	Object	An object with the merchant's attributes of the order. More than one `orderParams` object can be presented in the response. The object must be passed as follows: `{"param":"value","param2":"value2"}`.
Optional	`operationList`	Object	Object containing information on the transactions completed in the order. More than one `operationList` object can be present in the response. The parameters that can be passed here are described below.
Optional	`binding`	String	Identifier of a stored credential (if it has been already created). This parameter is returned only if the `getP2PStatus` version is 3 or higher.
Optional	`detokenizedPanRepresentation`	String [1..19]	The detokenized card number (the last 4 digits or in a masked form).
Optional	`detokenizedPanExpiryDate`	String	The card's detokenized expiration date in the following format: "YYYYMM".
Optional	`paymentNetRefNum`	String [1..512]	Original Network Reference Number - a unique identifier assigned by the card network (e.g., Mastercard, Visa) to the original transaction (such as a purchase or authorization). When a follow-up transaction is initiated (e.g., refund, recurring payment), this number must be included to: Link the new transaction to the original one Ensure proper tracking and reconciliation Meet network compliance requirements This parameter is returned only if the `getP2PStatus` version is 7 or higher.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is automatically generated by Payment Gateway for AFT operations using Mastercard. It can be further used in a subsequent OCT operation as a reference to the previous AFT operation.

To complete the transaction use /p2p/finishThreeDsVer2.do.

Examples

Example of the OCT request

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/performP2P.do'
-H 'Content-Type: application/json'
--data-raw '{
  "username":"test_user",
  "password":"test_user_password",
  "orderId" : "38b7a9e0-7cfa-46f7-8655-f206a8898e7a",
  "amount" : 50000,
  "toCard" : {
    "pan" : "4111111111111111"
  }
}'

Example of the response to the request

{
  "errorCode": 0,
  "info": "Your order is proceeded, redirecting...",
  "acsUrl": "https://example.com/acs2/acs/creq",
  "is3DSVer2": true,
  "packedCReq": "eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6IjNhZmMxNjhhLTk0YjQtNGViMy04ZTJlLTgwZjZjMTg2NjY5ZCIsIm1lc3NhZ2VUeXBlIjoiQ1JlcSIsIm1lc3NhZ2VWZXJzaW9uIjoiMi4xLjAiLCJhY3NUcmFuc0lEIjoiOWM3NTkxMmEtZTg0NC00ODgyLWI5YzctYzZmYmMzNjIyNGQ3IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0"
}

Stored-credential P2P transfer

To perform a card-to-card transfer by binding, use https://dev.processing.ae/payment/rest/api/p2p/performP2PByBinding.do request.

When sending the request, you should use the header: Content-Type: application/json

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Optional	`email`	String [1..40]	Email to be displayed on the payment page. Customer's email must be passed if client notification is configured for the merchant. Example: `client_mail@email.com`. For payment by VISA with 3DS authorization, it is necessary to specify either phone or email of the cardholder.
Optional	`type`	String	In OCT transaction, it is necessary to pass the corresponding value in this parameter: `WITHOUT_TO_CARD` - without indication of the card to be credited.
Mandatory	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Optional	`amountInput`	Integer [0..12]	Amount of transfer in minor currency units (e.g. in cents). If the amount is specified in this parameter, the transfer will be made for this amount (regardless of the amount passed in the order registration request).
Optional	`captcha`	String	CAPTCHA (a text intended to distinguish human from machine input)
Optional	`threeDSSDK`	Boolean	Possible values: `true` or `false`. Flag showing that payment comes from 3DS SDK.
Optional	`threeDSSDKEncData`	String	Encrypted data about device. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKReferenceNumber`	String	3DS2 SDK official identifier
Optional	`threeDSSDKEphemPubKey`	String	Public part of ephemeral key. Required to etablish session with ACS. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKAppId`	String	Unique identifier of SDK.Parameter is mandatory for SDK flow.
Optional	`threeDSSDKTransId`	String	Unique identifier of transaction within SDK. Parameter is mandatory for SDK flow.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.
Conditional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Conditional	`threeDSVer2MdOrder`	String [1..36]	Order number which was registered in the first part of the request within 3DS2 transaction. Mandatory for 3DS2 authentication. If this parameter is present in the request, the `mdOrder` value passed in it overrides, and in this case the order gets paid right away instead of being registered. This parameter is used only for instant payments, i.e., when the order is registered and payed via the same request.
Optional	`bindingNotNeeded`	Boolean	Allowed values: `true` – storing the credential after the payment is disabled (a stored credential is a customer identifier passed in order registration request — after payment it will be deleted from order details); `false` – if payment is successful the credential can be stored (if the necessary conditions are met). This is the default value.
Conditional	`originalPaymentNetRefNum`	String [1..36]	The identifier of the original or previous successful transaction in the payment system in relation to the performed stored-credential transaction - TRN ID. Is passed when `tii` = `R`,`U`, or `F`. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Conditional	`originalSchemeTransactionId`	String [1..22]	The identifier of the original successful Mastercard transaction. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`params`	Object	Fields for storing additional order information, must be passed as follows `{"param":"value","param2":"value2"}`. These fields can be passed to the processing bank for further display in the bank registries.
Optional	`shippingPayerData`	Object	Object containing customer delivery data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`preOrderPayerData`	Object	Object containing pre-order data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`orderPayerData`	Object	Object containing data about the order payer. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`billingAndShippingAddressMatchIndicator`	String [1]	Indicator for matching the cardholder's billing address and shipping address. This parameter is used for further 3DS authentication of the customer. Possible values: `Y` - the cardholder's billing address and shipping address match; `N` - cardholder billing address and shipping address do not match.
Optional	`billingPayerData`	Object	A block with the client's registration data (address, postal code) necessary for passing the address verification within the AVS/AVV services. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Optional	`billingRecipientData`	Object	A block with the data about the recipient. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Mandatory	`toCard`	Object	A block with the attributes of the card to be credited. See nested parameters.
Conditional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is filled by the `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction. Mandatory if a Mastercard Money Funding Payment was made earlier and a Unique Transaction Reference was generated and sent.
Optional	`transactionPurpose`	String	Transaction purpose (used for OCT transactions using Mastercard). Possible values: `FAMILY_SUPPORT` or `0` `REGULAR_LABOR_TRA` or `1` `TRAVEL_AND_TOURISM` or `2` `EDUCATION` or `3` `HOSPITALIZATION` or `4` `EMERGENCY_NEED` or `5` `SAVING` or `6` `GIFTS` or `7` `OTHER` or `8` `SALARY` or `9` `CROWD_LENDING` or `10` `CRYPTO_CURRENCY` or `11` `REFUND_ORIGINAL` or `12` `REFUND_NEW_CARD` or `13` `TRANSFER_SAME_WAL` or `14` `BOLETO_PAYMENT` or `15` `HIGH_RISK_SECURITY` or `16` `RECYCLING_DEPOSIT_RETURN` or `17` `VALUE_ADDED_TAX` or `18`
Optional	`serviceProcessingType`	String	The type of processing service (used for OCT transactions using Visa). A service flag that tells Visa system how to process a transaction at their processing level. Possible values: `NORMAL` or `00` `ORIG_HOLD` or `01` `VISA_DEFERRED_DEFAULT` or `02` `VISA_DEFERRED_CUSTOM` or `03` `CANCEL_DEFERRED` or `09` `VISA_DIRECT_CUSTOM` or `0I` `DEFERRED_OCT_QUERY` or `0Q` `REC_PAYOUT` or `0R` `ALIAS_DIRECTORY` or `A0`

The toCard block (if crediting is done by a third-party system, this block must be absent) consists of the following possible parameters:

Required	Name	Type	Description
Conditional	`bindingId`	String [1..255]	Identifier of the credentials stored when paying for the order or used for payment. Available only if the merchant is allowed to store credentials.
Conditional	`pan`	String [1..19]	The number of the card to be credited.
Optional	`expirationYear`	Integer [4]	The year of expiration of the card that is to be credited. The accepted values are from 2000 to 2200.
Optional	`expirationMonth`	Integer [2]	The month of expiration of the card that is to be credited. Available values are as follows: 01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12.
Optional	`cardholderName`	String [1..26]	The name of the holder of the card that is to be credited.
Conditional	`seToken`	String	Encrypted card data. Must be passed if used instead of the card data. The mandatory parameters for seToken string are `timestamp`, `UUID`, `bindingId`, `MDORDER`. Click here for more information about seToken generation.

Description of parameters in shippingPayerData object:

Required	Name	Type	Description
Optional	`shippingCity`	String [1..50]	The customer's city (from the delivery address)
Optional	`shippingCountry`	String [1..50]	The customer's country
Optional	`shippingAddressLine1`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine2`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine3`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingPostalCode`	String [1..16]	The customer's zip code for delivery
Optional	`shippingState`	String [1..50]	Customer's state/region (from delivery address)
Optional	`shippingMethodIndicator`	Integer [2]	Shipping Method Indicator. Possible values: `01` - delivery to the cardholder's billing address `02` - delivery to another address verified by Merchant `03` - delivery to an address other than the cardholder's primary (settlement) address `04` - shipment to the store/self-collection (the store address should be specified in the relevant delivery parameters) `05` - Digital distribution (includes online services and e-gift cards) `06` - travel and event tickets that are not deliverable `07` - Other (e.g. games, non-deliverable digital goods, digital subscriptions, etc.)
Optional	`deliveryTimeframe`	Integer [2]	Product delivery timeframe. Possible values: `01` - digital distribution `02` - same-day delivery `03` - overnight delivery `04` - delivery within 2 days after payment and later
Optional	`deliveryEmail`	String [1..254]	Target email address for delivery of digital distribution. Note that it is preferrable to pass the email in a separate `email` parameter of the request. The `deliveryEmail` parameter specified in this block is only used to fill `MerchantRiskIndicator` during 3DS authorization.

Description of parameters in preOrderPayerData object:

Required	Name	Type	Description
Optional	`preOrderDate`	String [10]	Expected date when delivery will be available (for pre-ordered purchases), in the format YYYYYYMMDD.
Optional	`preOrderPurchaseInd`	Integer [2]	Indicator of a customer placing an order for available or future delivery. Possible values: `01` - delivery available; `02` - future delivery
Optional	`reorderItemsInd`	Integer [2]	An indicator that the customer is rebooking a previously paid delivery as part of a new order. Possible values: `01` - order placed for the first time; `02` - repeated order

Description of parameters in orderPayerData object:

Required	Name	Type	Description
Optional	`homePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Optional	`workPhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Conditional	`mobilePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.` For payment by VISA with 3DS authorization, it is necessary to specify either phone or email of the cardholder. If you have a setting to display phone number on the payment page and have specified an invalid number, the customer will have a possibility to correct it on the payment page.

Below are the parameters of the billingPayerData block (data about the client registration address).

Required	Name	Type	Description
Optional	`billingCity`	String [0..50]	The city registered on a specific card of the Issuing Bank.
Optional	`billingCountry`	String [0..50]	The country registered on a specific card of the Issuing Bank. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`billingAddressLine1`	String [0..50]	The address registered on a specific card of the Issuing Bank (A payer’s address). Line 1. Mandatory to be passed in order AVS verification works.
Optional	`billingAddressLine2`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 2.
Optional	`billingAddressLine3`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 3.
Optional	`billingPostalCode`	String [0..9]	Postal code registered on a specific card of the Issuing Bank. Mandatory to be passed in order AVS verification works.
Optional	`billingState`	String [0..50]	The state registered on a specific card of the Issuing Bank. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Mandatory	`payerAccount`	String [1..32]	Payer's account number.
Optional	`payerLastName`	String [1..64]	Payer's last name.
Optional	`payerFirstName`	String [1..35]	Payer's first name.
Optional	`payerMiddleName`	String [1..35]	Payer's middle name.
Optional	`payerCombinedName`	String [1..99]	Payer's full name.
Optional	`payerIdType`	String [1..8]	Type of the payer's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`payerIdNumber`	String [1..100]	Number of the payer's identifying document (e.g. passport) provided.
Optional	`payerBirthday`	String [1..20]	Payer's birth date in the YYYYMMDD format.
Conditional	`payerAccountNumberType`	String [1..20]	Payer's account number type. Mandatory for OCT transactions using Mastercard. Possible values: `RTN` or `1` – RTN + Bank Account `IBAN` or `2` – IBAN `CARD_ACCOUNT` or `3` – Card Account `EMAIL` or `4`– Email `PHONE_NUMBER` or `5` – Phone Number `BAN_AND_BIC` or `6` – Bank account number (BAN) + Bank Identification Code (BIC) `WALLET_ID` or `7` – Wallet Id `SOCIAL_NETWORK_ID` or `8` – Social Network Id `OTHER` or `100` – Other

Below are the parameters of the billingRecipientData block (data about the recipient).

Required	Name	Type	Description
Optional	`recipientCity`	String [0..40]	The recipient city code in the ISO 3166-1 alpha-3 format.
Optional	`recipientCountry`	String [0..50]	The recipient country code. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`recipientAddressLine1`	String [0..50]	The recipient address. Can contain Latin characters only.
Optional	`recipientPostalCode`	String [0..9]	Postal code of the recipient.
Optional	`recipientState`	String [0..50]	The recipient state code. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Optional	`recipientAccount`	String [0..32]	Recipient's account number.
Optional	`recipientAccountNumberType`	Integer [1..2]	Type of recipient account. Available values: `1` - RTN + Bank Account; `2` - IBAN; `3` - Card Account; `4` - E-mail; `5` - Phone Number; `6` - Bank account number (BAN) + Bank Identification Code (BIC); `7` - Wallet Id; `8` - Social Network Id; `100` - Other.
Mandatory	`recipientLastName`	String [0..35]	Recipient's last name.
Mandatory	`recipientFirstName`	String [0..35]	Recipient's first name.
Optional	`recipientMiddleName`	String [0..35]	Recipient's middle name.
Optional	`recipientCombinedName`	String [0..99]	Recipient's full name.
Optional	`recipientIdType`	String [1..8]	Type of the recipient's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`recipientIdNumber`	String [1..99]	Number of the recipient's identifying document provided.
Optional	`recipientBirthday`	String [1..20]	Recipient's birth date in the format YYYYMMDD.

The following parameters are also passed during the authentication via the 3DS2 protocol:

Mandatory	Name	Type	Description
Optional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`info`	String	The result of an attempt to transfer funds. The value in case of a successful transfer: "Your payment has been processed, redirecting...". The value in case of an error: "Redirecting..."
Conditional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Conditional	`paReq`	String [1..255]	PAReq (Payment Authentication Request) - a message that should be sent to ACS together with redirect. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. This message contains the Base64-encoded data necessary for the cardholder authentication. For details see Redirect to ACS.
Conditional	`termUrl`	String [1..512]	In a successful response in case of a 3D-Secure payment. The URL address to which ACS redirects the cardholder after authentication. For details see Redirect to ACS.
Conditional	`statusResponse`	Object	Parameters of the order status. This block is returned only if you have a corresponding setting enabled. To enable this feature please contact support. See nested parameters.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is automatically filled by `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction (automatically generated by Payment Gateway) or by the corresponding parameter received in the OCT request.

When authenticating via the 3DS2 protocol, the following parameters are returned during the initial request:

Required	Name	Type	Description
Mandatory	`is3DSVer2`	Boolean	Possible values: `true` or `false`. Flag showing that payment uses 3DS2.
Mandatory	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSMethodUrl`	String [1..512]	URL of ACS Server for gathering browser data.
Mandatory	`threeDSMethodUrlServer`	String [1..512]	URL of 3DS Server for gathering browser data to be included in the AReq (Authentication Request) from 3DS Server to ACS Server.
Optional	`threeDSMethodDataPacked`	String [1..1024]	Base-64-encoded data of CReq (Challenge Response) to be sent to ACS Server.
Optional	`threeDSMethodURLServerDirect`	String [1..512]	URL of `3dsmethod.do` for executing the 3DS method on 3DS Server via Payment Gateway (subject to respective Merchant-level permission).

Below are the parameters to be present in the response, after a repeated request for the payment and the need to redirect the client to the ACS during the authentication via the 3DS2 protocol:

Required	Name	Type	Description
Conditional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Conditional	`packedCReq`	String	Packed challenge request data. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. This value should be used as the ACS link `creq` parameter (`acsUrl`) to redirect the client to the ACS. For details see Redirect to ACS.

The parameters of statusResponse block:

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use transfer status request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`orderStatus`	Integer	The value of this parameter specifies the status of the order in the payment gateway. It is missing if the order has not been found. Below is the list of available values: `0` - order was registered but not paid; `2` - order amount is fully authorized; `3` - authorization reversed; `5` - access control server of the issuing bank initiated authorization procedure; `6` - authorization declined;
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`panMaskedFrom`	String [1..19]	The masked number of the card to be debited.
Optional	`panMaskedTo`	String [1..19]	The masked number of the card to be credited.
Optional	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Optional	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`creationDate`	Integer	Date of order registration.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Mandatory	`resultCode`	Integer	Error code on the request execution. Available values: `0` - in case of success; `1` - in case of an error.
Optional	`orderParams`	Object	An object with the merchant's attributes of the order. More than one `orderParams` object can be presented in the response. The object must be passed as follows: `{"param":"value","param2":"value2"}`.
Optional	`operationList`	Object	Object containing information on the transactions completed in the order. More than one `operationList` object can be present in the response. The parameters that can be passed here are described below.
Optional	`binding`	String	Identifier of a stored credential (if it has been already created). This parameter is returned only if the `getP2PStatus` version is 3 or higher.
Optional	`detokenizedPanRepresentation`	String [1..19]	The detokenized card number (the last 4 digits or in a masked form).
Optional	`detokenizedPanExpiryDate`	String	The card's detokenized expiration date in the following format: "YYYYMM".
Optional	`paymentNetRefNum`	String [1..512]	Original Network Reference Number - a unique identifier assigned by the card network (e.g., Mastercard, Visa) to the original transaction (such as a purchase or authorization). When a follow-up transaction is initiated (e.g., refund, recurring payment), this number must be included to: Link the new transaction to the original one Ensure proper tracking and reconciliation Meet network compliance requirements This parameter is returned only if the `getP2PStatus` version is 7 or higher.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is automatically generated by Payment Gateway for AFT operations using Mastercard. It can be further used in a subsequent OCT operation as a reference to the previous AFT operation.

Examples

Request example

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/performP2PByBinding.do'
-H 'Content-Type: application/json'
--data-raw '{
  "amountInput" : 1000,
  "bindingId" : "03e9492a-536c-7ab4-85e6-b44000f26b04",
  "toCard": {
        "cardholderName": "TEST CARDHOLDER",
        "cvc": "123",
        "expirationMonth": 12,
        "expirationYear": 2029,
        "pan": "5555555555555599"
  },
  "orderId" : "3dbaf8bb-1d68-76b3-b4e6-784700f26b04",
  "password" : "test_user_password",
  "type" : "WITHOUT_FROM_CARD",
  "username" : "test_user"
}'

Response example

{
  "errorCode" : 0,
  "errorMessage" : "Successful",
  "info" : "Your order is proceeded, redirecting...",
  "redirect" : "https://example.com/?orderId=47743354-be15-7c70-b9ef-4bfc482e68dc&lang=en",
  "is3DSVer2" : false
}

Instant P2P transfer

To perform an instant P2P money transfer without order registration request, use https://dev.processing.ae/payment/rest/api/p2p/instantPerformP2P.do request.

When sending request, you should use header: Content-Type: application/json

The structure of the instantPerformP2P.do request assumes the presence of the toCard block to pass the attributes of the card to be credited.

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Mandatory	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`clientId`	String [0..255]	Customer number (ID) in the merchant's system — up to 255 characters. Used to implement the functionality of stored-credential transactions. Can be returned in the response if the merchant is allowed to store credentials. Specifying this parameter in stored-credential transactions is mandatory. Otherwise, a payment will be unsuccessful.
Optional	`bindingId`	String [1..255]	Identifier of an already existing stored credential. This is the card ID tokenized by the Gateway. Can be used only if the merchant has the permission to work with stored credentials. If this parameter is passed in this request, it means that: This order can only be paid with a stored credential; The payer will be redirected to a payment page where only CVC entry is required. The request must contain either `bindingId`, or `seToken`.
Conditional	`originalSchemeTransactionId`	String [1..22]	The identifier of the original successful Mastercard transaction. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`creditBindingId`	String [0..255]	Identifier of the stored credential of the card to be credited. It is used in card-to-card transfers when the recipient's card is known in advance. This parameter should first be passed in the request for transfer register (`registerP2P.do` - `clientId` parameter should also be passed here), then in the request for transfer funds by binding (`performP2PByBinding.do` - the value of `creditBindingId` parameter passed in `registerP2P.do` should be passed in `bindingId` parameter in `toCard` block).
Optional	`email`	String [1..40]	The payer's email address.
Mandatory	`amount`	String [0..12]	Transfer amount in minor currency units (e.g. in cents). This parameter is passed if the payer decides to change the transfer amount when carrying out the money transfer.
Mandatory	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`params`	Object	Fields for storing additional order information, must be passed as follows `{"param":"value","param2":"value2"}`. These fields can be passed to the processing bank for further display in the bank registries.
Optional	`feeInput`	Integer [0..8]	Fee amount in minimum currency units. Must be enabled by respective Merchant-level permission in the Gateway.
Mandatory	`returnUrl`	String [1..512]	The address to which the user will be redirected if the payment is successful. The address must be specified in full including the protocol used (for example, `https://mybestmerchantreturnurl.com` instead of `mybestmerchantreturnurl.com`). Otherwise, the user will be redirected to the address of the following type `https://dev.processing.ae/payment/<merchant_address>`. The address must not be a relative path, i.e. it must not start with "." and "/". Otherwise, error 4 will be returned: "The return URL is invalid". For example: ../test.html, /test.html- invalid URLs.
Optional	`failUrl`	String [1..512]	The address to which the user is to be redirected in case of a failed payment. The address must be specified in full including the protocol used (for example, `https://mybestmerchantreturnurl.com` instead of `mybestmerchantreturnurl.com`). Otherwise, the user will be redirected to the address of the following type `https://dev.processing.ae/payment/<merchant_address>`. The address must not be a relative path, i.e. it must not start with "." and "/". Otherwise, error 4 will be returned: "The return URL is invalid". For example: ../test.html, /test.html- invalid URLs.
Mandatory	`transactionTypeIndicator`	String	Indicator of transaction type. It is used in one-direction types of transaction. There are such possible values: `A` – Account to Account (one person) `B` – Business to business transfer `C` – Transfer for the purpose of purchasing cryptocurrency `D` – Funds Disbursement `F` – Transfer for gambling betting `G` – Online gambling payout `H` – Cash Out (Withdrawal) `I` – Government disbursment `J` – Money transfer – bank-initiated `L` – Non-Card Bill Payment `O` – Credit card Bill Payment `P` – Person to Person (different persons) `W` – Transfer to own account of a staged digital wallet for payment. When using this parameter, you should pass `features` block which includes the parameter corresponding to the type of operation.
Mandatory	`features`	Object	Field for `feature` parameter, is mandatory for one-direction operations. If OCT operation is performed (transfer from account to card) - `WITHOUT_FROM_CARD` should be passed in `feature` parameter. Example: `"features" : { "feature" : ["WITHOUT_FROM_CARD"] }`
Optional	`mcc`	Integer [4]	Merchant Category Code. Using this parameter requires a special permission. You can use only the values from the predefined list of allowed MCC values. Contact the support team for details.
Optional	`merchantLogin`	String [1..255]	To register an order on behalf of another merchant, specify the merchant's API account login in this parameter. Can be used only if you have the permission to see the transactions of other merchants or if the specified merchant is your child merchant.
Optional	`dynamicCallbackUrl`	String [1..512]	This parameter allows you to use the functionality of sending callback notifications dynamically. Here you can pass the address to which all "payment" callback notifications activated for the merchant will be sent. "Payment" notifications are callback notifications related to the following events: successful hold, payment declined by timeout, cardpresent payment is declined, successful debit, refund, cancellation. At the same time, callback notifications activated for the merchant that are not related to payments (enabling/disabling a stored credential, storing a credential) will be sent to a static address for callbacks. Whether the parameter is mandatory or not depends on the merchant configuration on Payment Gateway side.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Optional	`type`	String	In OCT transaction, it is necessary to pass the corresponding value in this parameter: `WITHOUT_TO_CARD` - without indication of the card to be credited.
Optional	`captcha`	String	CAPTCHA (a text intended to distinguish human from machine input)
Optional	`threeDSSDK`	Boolean	Possible values: `true` or `false`. Flag showing that payment comes from 3DS SDK.
Optional	`threeDSSDKEncData`	String	Encrypted data about device. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKReferenceNumber`	String	3DS2 SDK official identifier
Optional	`threeDSSDKEphemPubKey`	String	Public part of ephemeral key. Required to etablish session with ACS. Parameter is mandatory for SDK flow.
Optional	`threeDSSDKAppId`	String	Unique identifier of SDK.Parameter is mandatory for SDK flow.
Optional	`threeDSSDKTransId`	String	Unique identifier of transaction within SDK. Parameter is mandatory for SDK flow.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.
Conditional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Conditional	`threeDSVer2MdOrder`	String [1..36]	Order number which was registered in the first part of the request within 3DS2 transaction. Mandatory for 3DS2 authentication. If this parameter is present in the request, the `mdOrder` value passed in it overrides, and in this case the order gets paid right away instead of being registered. This parameter is used only for instant payments, i.e., when the order is registered and payed via the same request.
Optional	`bindingNotNeeded`	Boolean	Allowed values: `true` – storing the credential after the payment is disabled (a stored credential is a customer identifier passed in order registration request — after payment it will be deleted from order details); `false` – if payment is successful the credential can be stored (if the necessary conditions are met). This is the default value.
Conditional	`originalPaymentNetRefNum`	String [1..36]	The identifier of the original or previous successful transaction in the payment system in relation to the performed stored-credential transaction - TRN ID. Is passed when `tii` = `R`,`U`, or `F`. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`shippingPayerData`	Object	Object containing customer delivery data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`preOrderPayerData`	Object	Object containing pre-order data. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`orderPayerData`	Object	Object containing data about the order payer. It is used for further 3DS authentication of the client. See nested parameters.
Optional	`billingAndShippingAddressMatchIndicator`	String [1]	Indicator for matching the cardholder's billing address and shipping address. This parameter is used for further 3DS authentication of the customer. Possible values: `Y` - the cardholder's billing address and shipping address match; `N` - cardholder billing address and shipping address do not match.
Conditional	`billingPayerData`	Object	A block with the client's registration data (address, postal code) necessary for passing the address verification within the AVS/AVV services. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Conditional	`billingRecipientData`	Object	A block with the data about the recipient. Mandatory if the feature is enabled for the merchant on Payment Gateway side. See nested parameters.
Mandatory	`toCard`	Object	A block with the attributes of the card to be credited. See nested parameters.
Optional	`debitMdOrder`	String [1..36]	Unique number of the order for which AFT transfer in IPay was performed. This parameter is used for OCT operations for P2P transfers (AFT+OCT).
Conditional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is filled by the `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction. Mandatory if a Mastercard Money Funding Payment was made earlier and a Unique Transaction Reference was generated and sent.
Optional	`transactionPurpose`	String	Transaction purpose (used for OCT transactions using Mastercard). Possible values: `FAMILY_SUPPORT` or `0` `REGULAR_LABOR_TRA` or `1` `TRAVEL_AND_TOURISM` or `2` `EDUCATION` or `3` `HOSPITALIZATION` or `4` `EMERGENCY_NEED` or `5` `SAVING` or `6` `GIFTS` or `7` `OTHER` or `8` `SALARY` or `9` `CROWD_LENDING` or `10` `CRYPTO_CURRENCY` or `11` `REFUND_ORIGINAL` or `12` `REFUND_NEW_CARD` or `13` `TRANSFER_SAME_WAL` or `14` `BOLETO_PAYMENT` or `15` `HIGH_RISK_SECURITY` or `16` `RECYCLING_DEPOSIT_RETURN` or `17` `VALUE_ADDED_TAX` or `18`
Optional	`serviceProcessingType`	String	The type of processing service (used for OCT transactions using Visa). A service flag that tells Visa system how to process a transaction at their processing level. Possible values: `NORMAL` or `00` `ORIG_HOLD` or `01` `VISA_DEFERRED_DEFAULT` or `02` `VISA_DEFERRED_CUSTOM` or `03` `CANCEL_DEFERRED` or `09` `VISA_DIRECT_CUSTOM` or `0I` `DEFERRED_OCT_QUERY` or `0Q` `REC_PAYOUT` or `0R` `ALIAS_DIRECTORY` or `A0`

Description of parameters in shippingPayerData object:

Required	Name	Type	Description
Optional	`shippingCity`	String [1..50]	The customer's city (from the delivery address)
Optional	`shippingCountry`	String [1..50]	The customer's country
Optional	`shippingAddressLine1`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine2`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingAddressLine3`	String [1..50]	The customer's primary address (from the shipping address)
Optional	`shippingPostalCode`	String [1..16]	The customer's zip code for delivery
Optional	`shippingState`	String [1..50]	Customer's state/region (from delivery address)
Optional	`shippingMethodIndicator`	Integer [2]	Shipping Method Indicator. Possible values: `01` - delivery to the cardholder's billing address `02` - delivery to another address verified by Merchant `03` - delivery to an address other than the cardholder's primary (settlement) address `04` - shipment to the store/self-collection (the store address should be specified in the relevant delivery parameters) `05` - Digital distribution (includes online services and e-gift cards) `06` - travel and event tickets that are not deliverable `07` - Other (e.g. games, non-deliverable digital goods, digital subscriptions, etc.)
Optional	`deliveryTimeframe`	Integer [2]	Product delivery timeframe. Possible values: `01` - digital distribution `02` - same-day delivery `03` - overnight delivery `04` - delivery within 2 days after payment and later
Optional	`deliveryEmail`	String [1..254]	Target email address for delivery of digital distribution. Note that it is preferrable to pass the email in a separate `email` parameter of the request. The `deliveryEmail` parameter specified in this block is only used to fill `MerchantRiskIndicator` during 3DS authorization.

Description of parameters in preOrderPayerData object:

Required	Name	Type	Description
Optional	`preOrderDate`	String [10]	Expected date when delivery will be available (for pre-ordered purchases), in the format YYYYYYMMDD.
Optional	`preOrderPurchaseInd`	Integer [2]	Indicator of a customer placing an order for available or future delivery. Possible values: `01` - delivery available; `02` - future delivery
Optional	`reorderItemsInd`	Integer [2]	An indicator that the customer is rebooking a previously paid delivery as part of a new order. Possible values: `01` - order placed for the first time; `02` - repeated order

Description of parameters in orderPayerData object:

Required	Name	Type	Description
Optional	`homePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Optional	`workPhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.`
Conditional	`mobilePhone`	String [7..15]	Customer's phone number. It is always necessary to specify the country code, but you can specify or omit the `+` sign or `00` at the beginning. The number must be 7 to 15 digits long. Thus, the following options are valid: `+35799988877`; `0035799988877`; `35799988877.` For payment by VISA with 3DS authorization, it is necessary to specify either phone or email of the cardholder. If you have a setting to display phone number on the payment page and have specified an invalid number, the customer will have a possibility to correct it on the payment page.

Below are the parameters of the billingPayerData block (data about the client registration address).

Required	Name	Type	Description
Optional	`billingCity`	String [0..50]	The city registered on a specific card of the Issuing Bank.
Optional	`billingCountry`	String [0..50]	The country registered on a specific card of the Issuing Bank. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`billingAddressLine1`	String [0..50]	The address registered on a specific card of the Issuing Bank (A payer’s address). Line 1. Mandatory to be passed in order AVS verification works.
Optional	`billingAddressLine2`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 2.
Optional	`billingAddressLine3`	String [0..50]	The address registered on a specific card of the Issuing Bank. Line 3.
Optional	`billingPostalCode`	String [0..9]	Postal code registered on a specific card of the Issuing Bank. Mandatory to be passed in order AVS verification works.
Optional	`billingState`	String [0..50]	The state registered on a specific card of the Issuing Bank. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Mandatory	`payerAccount`	String [1..32]	Payer's account number.
Optional	`payerLastName`	String [1..64]	Payer's last name.
Optional	`payerFirstName`	String [1..35]	Payer's first name.
Optional	`payerMiddleName`	String [1..35]	Payer's middle name.
Optional	`payerCombinedName`	String [1..99]	Payer's full name.
Optional	`payerIdType`	String [1..8]	Type of the payer's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`payerIdNumber`	String [1..100]	Number of the payer's identifying document (e.g. passport) provided.
Optional	`payerBirthday`	String [1..20]	Payer's birth date in the YYYYMMDD format.
Conditional	`payerAccountNumberType`	String [1..20]	Payer's account number type. Mandatory for OCT transactions using Mastercard. Possible values: `RTN` or `1` – RTN + Bank Account `IBAN` or `2` – IBAN `CARD_ACCOUNT` or `3` – Card Account `EMAIL` or `4`– Email `PHONE_NUMBER` or `5` – Phone Number `BAN_AND_BIC` or `6` – Bank account number (BAN) + Bank Identification Code (BIC) `WALLET_ID` or `7` – Wallet Id `SOCIAL_NETWORK_ID` or `8` – Social Network Id `OTHER` or `100` – Other

Below are the parameters of the billingRecipientData block (data about the recipient).

Required	Name	Type	Description
Optional	`recipientCity`	String [0..40]	The recipient city code in the ISO 3166-1 alpha-3 format.
Optional	`recipientCountry`	String [0..50]	The recipient country code. Format: ISO 3166-1 (Alpha 2 / Alpha 3 / Number-3) or the country name. We recommend to pass a two/three-letter ISO country code.
Optional	`recipientAddressLine1`	String [0..50]	The recipient address. Can contain Latin characters only.
Optional	`recipientPostalCode`	String [0..9]	Postal code of the recipient.
Optional	`recipientState`	String [0..50]	The recipient state code. Format: full ISO 3166-2 code, its part, or the state/region name. Can contain Latin characters only. We recommend to pass a two-letter ISO state code.
Optional	`recipientAccount`	String [0..32]	Recipient's account number.
Optional	`recipientAccountNumberType`	Integer [1..2]	Type of recipient account. Available values: `1` - RTN + Bank Account; `2` - IBAN; `3` - Card Account; `4` - E-mail; `5` - Phone Number; `6` - Bank account number (BAN) + Bank Identification Code (BIC); `7` - Wallet Id; `8` - Social Network Id; `100` - Other.
Mandatory	`recipientLastName`	String [0..35]	Recipient's last name.
Mandatory	`recipientFirstName`	String [0..35]	Recipient's first name.
Optional	`recipientMiddleName`	String [0..35]	Recipient's middle name.
Optional	`recipientCombinedName`	String [0..99]	Recipient's full name.
Optional	`recipientIdType`	String [1..8]	Type of the recipient's identifying document provided. Allowed values: `IDTP1` - Passport `IDTP2` - Driving license `IDTP3` - Social card `IDTP4` - Citizen ID card `IDTP5` - Certificate of Business `IDTP6` - Refugee certificate `IDTP7` - Residence permit `IDTP8` - Foreign passport `IDTP9` - Official passport `IDTP10` - Temporary passport `IDTP11` - Sailor's passport
Optional	`recipientIdNumber`	String [1..99]	Number of the recipient's identifying document provided.
Optional	`recipientBirthday`	String [1..20]	Recipient's birth date in the format YYYYMMDD.

The toCard block (if crediting is done by a third-party system, this block must be absent) consists of the following possible parameters:

Required	Name	Type	Description
Conditional	`pan`	String [1..19]	The number of the card to be credited.
Optional	`expirationYear`	Integer [4]	The year of expiration of the card that is to be credited. The accepted values are from 2000 to 2200.
Optional	`expirationMonth`	Integer [2]	The month of expiration of the card that is to be credited. Available values are as follows: 01, 02, 03, 04, 05, 06, 07, 08, 09, 10, 11, 12.
Optional	`cardholderName`	String [1..26]	The name of the holder of the card that is to be credited.
Conditional	`seToken`	String	Encrypted card data. Must be passed if used instead of the card data. The mandatory parameters for seToken string are `timestamp`, `UUID`, `bindingId`, `MDORDER`. Click here for more information about seToken generation.

The following parameters are also passed during the authentication via the 3DS2 protocol:

Required	Name	Type	Description
Optional	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSVer2FinishUrl`	String [1..512]	URL where Customer should be redirected after authentication on ACS Server.
Optional	`threeDSMethodNotificationUrl`	String [1..512]	URL where notification about performed 3DS-method should be sent to.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`info`	String	The result of an attempt to transfer funds. The value in case of a successful transfer: "Your payment has been processed, redirecting...". The value in case of an error: "Redirecting..."
Optional	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Optional	`redirect`	String [1..512]	This parameter is returned if the payment is successful and that payment did not include check for 3-D Secure involvement. Merchants can use it if they want to redirect the user to the payment gateway page. If they have their own response page then this value can be ignored.
Optional	`originalPaymentNetRefNum`	String [1..36]	The identifier of the original or previous successful transaction in the payment system in relation to the performed stored-credential transaction - TRN ID. Is passed when `tii` = `R`,`U`, or `F`. Is mandatory when using merchant's stored credentials in stored credential transfers.
Optional	`threeDSSDKKey`	String	Device data encryption key. Parameter is mandatory for SDK flow.
Optional	`threeDSAcsTransactionId`	String	ID of 3DS transaction on ACS. Parameter is mandatory for SDK flow.
Optional	`threeDSAcsRefNumber`	String	Reference number on ACS.
Optional	`threeDSAcsSignedContent`	String	Signed content for SDK, content includes ACS URL. Parameter is mandatory for SDK flow.
Optional	`threeDSDsTransID`	String	Unique identifier of transaction witin IPS. Parameter is mandatory for SDK flow.
Conditional	`statusResponse`	Object	Parameters of the order status. This block is returned only if you have a corresponding setting enabled. To enable this feature please contact support. See nested parameters.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is automatically filled by `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction (automatically generated by Payment Gateway) or by the corresponding parameter received in the OCT request.

The parameters of statusResponse block:

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use transfer status request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`orderStatus`	Integer	The value of this parameter specifies the status of the order in the payment gateway. It is missing if the order has not been found. Below is the list of available values: `0` - order was registered but not paid; `2` - order amount is fully authorized; `3` - authorization reversed; `5` - access control server of the issuing bank initiated authorization procedure; `6` - authorization declined;
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`panMaskedFrom`	String [1..19]	The masked number of the card to be debited.
Optional	`panMaskedTo`	String [1..19]	The masked number of the card to be credited.
Optional	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Optional	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`creationDate`	Integer	Date of order registration.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Mandatory	`resultCode`	Integer	Error code on the request execution. Available values: `0` - in case of success; `1` - in case of an error.
Optional	`orderParams`	Object	An object with the merchant's attributes of the order. More than one `orderParams` object can be presented in the response. The object must be passed as follows: `{"param":"value","param2":"value2"}`.
Optional	`operationList`	Object	Object containing information on the transactions completed in the order. More than one `operationList` object can be present in the response. The parameters that can be passed here are described below.
Optional	`binding`	String	Identifier of a stored credential (if it has been already created). This parameter is returned only if the `getP2PStatus` version is 3 or higher.
Optional	`detokenizedPanRepresentation`	String [1..19]	The detokenized card number (the last 4 digits or in a masked form).
Optional	`detokenizedPanExpiryDate`	String	The card's detokenized expiration date in the following format: "YYYYMM".
Optional	`paymentNetRefNum`	String [1..512]	Original Network Reference Number - a unique identifier assigned by the card network (e.g., Mastercard, Visa) to the original transaction (such as a purchase or authorization). When a follow-up transaction is initiated (e.g., refund, recurring payment), this number must be included to: Link the new transaction to the original one Ensure proper tracking and reconciliation Meet network compliance requirements This parameter is returned only if the `getP2PStatus` version is 7 or higher.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is automatically generated by Payment Gateway for AFT operations using Mastercard. It can be further used in a subsequent OCT operation as a reference to the previous AFT operation.

When authenticating via the 3DS2 protocol, the following parameters are returned during the initial request:

Required	Name	Type	Description
Mandatory	`threeDSServerTransId`	String [1..36]	Transaction identifier created on 3DS Server. Mandatory for 3DS authentication.
Optional	`threeDSMethodUrl`	String [1..512]	URL of ACS Server for gathering browser data.
Mandatory	`threeDSMethodUrlServer`	String [1..512]	URL of 3DS Server for gathering browser data to be included in the AReq (Authentication Request) from 3DS Server to ACS Server.
Optional	`threeDSMethodDataPacked`	String [1..1024]	Base-64-encoded data of CReq (Challenge Response) to be sent to ACS Server.
Optional	`threeDSMethodURLServerDirect`	String [1..512]	URL of `3dsmethod.do` for executing the 3DS method on 3DS Server via Payment Gateway (subject to respective Merchant-level permission).

Below are the parameters to be present in the response, after a repeated request for the payment and the need to redirect the client to the ACS during the authentication via the 3DS2 protocol:

Required	Name	Type	Description
Conditional	`acsUrl`	String [1..512]	The URL address for redirecting to ACS. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. For details see Redirect to ACS.
Conditional	`packedCReq`	String	Packed challenge request data. It is returned in a successful response in case of a 3D-Secure payment, when redirect to the ACS is needed. This value should be used as the ACS link `creq` parameter (`acsUrl`) to redirect the client to the ACS. For details see Redirect to ACS.

To complete the transaction use /p2p/finishThreeDsVer2.do.

Examples

Example of OCT transaction

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/instantPerformP2P.do' '
--header 'Content-Type: application/json' \
--data '{
  "username": "test_user",
  "password": "test_user_password",
  "email" : "test@example.com",
  "orderNumber" : "abcd1234abchh",
  "amount" : 1500,
  "currency" : "978",
  "returnUrl" : "https://mybestmerchantreturnurl.com",
  "failUrl" : "https://failUrl.com",
  "toCard": {
        "pan": "4000001111111118"
    },
    "transactionTypeIndicator": "G",
    "features": {
        "feature": [
            "WITHOUT_FROM_CARD"
        ]
    }
  }'

Example of the response to the request:

{
    "errorCode": 0,
    "info": "Your order is proceeded, redirecting...",
    "acsUrl": "https://example.com/acs2/acs/creq",
    "is3DSVer2": true,
    "packedCReq": "eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6IjNhZmMxNjhhLTk0YjQtNGViMy04ZTJlLTgwZjZjMTg2NjY5ZCIsIm1lc3NhZ2VUeXBlIjoiQ1JlcSIsIm1lc3NhZ2VWZXJzaW9uIjoiMi4xLjAiLCJhY3NUcmFuc0lEIjoiOWM3NTkxMmEtZTg0NC00ODgyLWI5YzctYzZmYmMzNjIyNGQ3IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA1In0"
}

P2P transfer status

To obtain the status of a registered P2P order, use https://dev.processing.ae/payment/rest/api/p2p/getP2PStatus.do request.

When sending the request, you should use the header: Content-Type: application/json

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Optional	`language`	String [2]	ISO 639-1 encoded language key. If the language is not specified, the default language specified in the store settings is used. Supported languages: en,ru,el,ro,bg,pt,sw,hu,it,pl,de,fr,kh,cn,es,ka,da,et,fi,lt,lv,nl,sv.
Conditional	`orderId`	String [1..36]	Order number in the payment gateway. Unique within the payment gateway.
Conditional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.

Response parameters

Required	Name	Type	Description
Mandatory	`errorCode`	String [1..2]	Information parameter in case of an error, which may have different code values: `0` value - indicates success of the request processing; another number value (`1`-`99`) - indicates an error for more details of which `errorMessage` parameter must be inspected. It also can be missing if the result has not caused any error. If the request, associated with an order payment, is processed successfully, it does not directly mean that the payment itself was successful. To determine whether the payment was successful or not, use getP2PStatus.do request.
Mandatory	`errorMessage`	String [1..512]	Information parameter that is an error description in a case of error occurance. `errorMessage` value can vary, so it should not be hardcoded. Language of the description is set in `language` parameter of the request.
Optional	`orderStatus`	Integer	The value of this parameter specifies the status of the order in the payment gateway. It is missing if the order has not been found. Below is the list of available values: `0` - order was registered but not paid; `2` - order amount is fully authorized; `3` - authorization reversed; `5` - access control server of the issuing bank initiated authorization procedure; `6` - authorization declined;
Optional	`orderNumber`	String [1..36]	Order number (ID) in the merchant's system, must be unique for each order.
Optional	`panMaskedFrom`	String [1..19]	The masked number of the card to be debited.
Optional	`panMaskedTo`	String [1..19]	The masked number of the card to be credited.
Optional	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Optional	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`creationDate`	Integer	Date of order registration.
Optional	`orderDescription`	String [1..600]	Order description passed to the payment gateway during the registration. It is not allowed to fill this parameter with personal data or payment data (card numbers, etc.). This requirement is due to the fact that the order description is not masked in Merchant Portal and log files.
Optional	`ip`	String [1..39]	Buyer's IP address. IPv6 is supported in all requests. (up to 39 characters). If you use 3DS 2 authentication, we recommend passing a real IP address of the customer in this parameter. This increases conversion rates on the ACS side.
Mandatory	`resultCode`	Integer	Error code on the request execution. Available values: `0` - in case of success; `1` - in case of an error.
Optional	`orderParams`	Object	An object with the merchant's attributes of the order. More than one `orderParams` object can be presented in the response. The object must be passed as follows: `{"param":"value","param2":"value2"}`.
Optional	`operationList`	Object	Object containing information on the transactions completed in the order. More than one `operationList` object can be present in the response. The parameters that can be passed here are described below.
Optional	`binding`	String	Identifier of a stored credential (if it has been already created). This parameter is returned only if the `getP2PStatus` version is 3 or higher.
Optional	`detokenizedPanRepresentation`	String [1..19]	The detokenized card number (the last 4 digits or in a masked form).
Optional	`detokenizedPanExpiryDate`	String	The card's detokenized expiration date in the following format: "YYYYMM".
Optional	`paymentNetRefNum`	String [1..512]	Original Network Reference Number - a unique identifier assigned by the card network (e.g., Mastercard, Visa) to the original transaction (such as a purchase or authorization). When a follow-up transaction is initiated (e.g., refund, recurring payment), this number must be included to: Link the new transaction to the original one Ensure proper tracking and reconciliation Meet network compliance requirements This parameter is returned only if the `getP2PStatus` version is 7 or higher.
Optional	`debitTransactionReference`	String [1..19]	Reference to AFT operation. This parameter is used for OCT operations for P2P transfers (AFT+OCT) using Mastercard. It is automatically filled by `statusResponse.debitTransactionReference` parameter from the corresponding AFT transaction (automatically generated by Payment Gateway) or by the corresponding parameter received in the OCT request.

payerData element contains the following parameters.

Required	Name	Type	Description
Optional	`paymentAccountReference`	String [1..29]	The unique account number of the client, which links all their payment means within the IPS (cards and tokens).

Below are possible parameters of the operationList block.

Required	Name	Type	Description
Optional	`operationType`	String	Transaction type. The following values are available: P2P_VERIFY - requests the fee amount; P2P_DEBIT - debits the money; P2P_CREDIT - credits the money; P2P_DEBIT_REVERSAL - debit cancellation; P2P_CREDIT_REVERSAL - credit cancellation; P2P_TRANSFER - card-to-card money transfer; P2P_TRANSFER_REVERSAL - automatic refund if an error occurs during the transfer.
Optional	`amount`	Integer [0..12]	Payment amount in minor currency units (e.g. in cents).
Optional	`currency`	String [3]	ISO 4217 encoded currency key. If not specified, the default value is used. Only digits are allowed.
Optional	`datetime`	String	Date and time of the transaction.
Optional	`resultCode`	String	Response code from the processing bank. Contains a numeric value. See the list of action codes here.
Optional	`resultCodeDescription`	String [1..512]	Description of the transaction error code.
Optional	`maskedPan`	String [1..19]	Masked number of the card or token used for the payment.
Optional	`cardholderName`	String [1..26]	Cardholder's name (if available).
Optional	`approvalCode`	String [6]	IPS authorization code. This field has a fixed length (six symbols) and can contain digits and Latin letters.
Optional	`refNum`	String [12]	Unique transaction identifier assigned by the acquiring bank during a bank card payment processing. The RRN is generated solely by the acquiring bank and is used for subsequent transaction search, verification, and settlement (including refunds, and investigations).
Optional	`paymentNetRefNum`	String [1..512]	Original Network Reference Number - a unique identifier assigned by the card network (e.g., Mastercard, Visa) to the original transaction (such as a purchase or authorization). When a follow-up transaction is initiated (e.g., refund, recurring payment), this number must be included to: Link the new transaction to the original one Ensure proper tracking and reconciliation Meet network compliance requirements This parameter is returned only if the `getP2PStatus` version is 7 or higher.
Optional	`originalActionCode`	String [1..15]	Response code received from the processing system. To enable receiving this field, contact the technical support service. This parameter is returned only if the `getP2PStatus` version is 9 or higher.
Optional	`schemeTransactionId`	String [1..22]	The identifier of the original successful Mastercard transaction. This parameter is returned only if the `getP2PStatus` version is 9 or higher.

Examples

Request example

curl -X POST 'https://dev.processing.ae/payment/rest/api/p2p/getP2PStatus.do' -H 'Content-Type: application/json' --data-raw '{ 
  "username": "test_user",
  "password": "test_user_password",
  "orderId" : "0a4eaae8-653a-71a9-8259-46fc00a8ea58"
}'

Response example

{
  "orderStatus": 0,
  "errorCode": 0,
  "errorMessage": "Successful",
  "orderNumber": "2009",
  "amount": 50000,
  "currency": "978",
  "creationDate": 1674137044330,
  "orderParams": [],
  "operationList": [],
  "resultCode": 0
}

Finishing a 3DS2 P2P transaction via API

To complete a transaction, the merchant sends a transaction ID to the gateway using the https://dev.processing.ae/payment/rest/api/p2p/finishThreeDsVer2.do method.

When sending the request, you should use the header: Content-type: application/x-www-form-urlencoded

Request parameters

Required	Name	Type	Description
Mandatory	`username`	String [1..30]	Merchant's API account login.
Mandatory	`password`	String [1..30]	Merchant's API account password.
Mandatory	`tDsTransId`	String [1..36]	Unique identifier of a transaction received from 3DS server.

Response parameters

This request does not return any JSON parameters in response. Instead, it redirects the customer to one of the following URLs:

If the request processing succeeds, Payment Gateway redirects the customer to the the URL specified in the returnUrl parameter during the order registration, with appended orderId and lang parameters;
If the request processing fails, Payment Gateway redirects the customer to the URL specified in the failUrl parameter during the order registration, with appended orderId and lang parameters.

Examples

Request example

curl --request POST \
  --url https://dev.processing.ae/payment/rest/api/p2p/finishThreeDsVer2.do \
  --header 'content-type: application/x-www-form-urlencoded' \
  --data '{
    "username": "test_user",
    "password": "test_user_password",
    "threeDSServerTransId": "65020d0c-2627-4a45-8eab-b93b58fc52ae"
}'

Redirect URL example

https://mybestmerchantreturnurl.com/finish.html?orderId=906bf262-bd53-4ac7-983c-07127954681b&lang=en

OCT transactions

OCT overview

OCT operation scenario

API calls

P2P order registration

Request parameters

Response parameters

Examples

Request example of OCT operation

Response example

Fee amount

Request parameters

Response parameters

Examples

Request example

Response example

Stored-credential P2P fee amount

Request parameters

Response parameters

Examples

Request example

Response example

P2P transfer

Request parameters

Response parameters

Examples

Example of the OCT request

Example of the response to the request

Stored-credential P2P transfer

Request parameters

Response parameters

Examples

Request example

Response example

Instant P2P transfer

Request parameters

Response parameters

Examples

Example of the response to the request:

P2P transfer status

Request parameters

Response parameters

Examples

Request example

Response example

Finishing a 3DS2 P2P transaction via API

Request parameters

Response parameters

Examples

Request example

Redirect URL example

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