Direct API Documentation

How to integrate Direct (Server to Server) API

Our PHP platform payment API can be used to integrate with any platform of your choice.

Request Parameter *

Paramters Required Data Type Description
api_key Yes String API key from your account.
first_name Yes String First Name from (Credit/Debit) Card
last_name Yes String Last Name from (Credit/Debit)Card
address Yes String Full Address of User
country Yes String 2 letter Country, eg US
state Yes String State Name, 2 letter for US states, eg CA
city Yes String Valid City name
zip Yes String Valid Zip Code
ip_address Yes String IP address of user device, eg 56.85.205.246
email Yes String Valid Email address of User
country_code No String Valid Country Code of User
phone_no Yes String Valid Phone Number of User
amount Yes Decimal Amount Value
currency Yes String 3 Digit format, eg USD
card_no Yes String Credit Card number
ccExpiryMonth Yes String Credit card 2 digit expiry month, E.g. 04
ccExpiryYear Yes String Credit card 4 digit expiry Year, E.g. 2022
cvvNumber Yes String Credit card CVV number
customer_order_id No String Customer order id generated from user side.
response_url Yes String Response URL where we redirect after transaction process completed.
webhook_url No String POST URL where we send webhook notification.
Non-3DS Testing card data - 
card_no : 4242 4242 4242 4242
ccExpiryMonth : 02
ccExpiryYear : 2026
cvvNumber : 123
3DS Testing card data - 
card_no : 4000 0027 6000 3184
ccExpiryMonth : 02
ccExpiryYear : 2026
cvvNumber : 123
Testing URL -
https://dashboard.charge.money/api/test-transaction
URL -
https://dashboard.charge.money/api/transaction
Method - POST
API Call Example 
// You can call our API following curl post example
$url = "https://dashboard.charge.money/api/transaction";
$key = "Your API Key";
// Fill with real customer info
$data = [
    'api_key' => $key,
    'first_name' => 'First Name',
    'last_name' => 'Last Name',
    'address' => 'Address',
    'customer_order_id' => 'ORDER-78544646461235',
    'country' => 'US',
    'state' => 'NY', // if your country US then use only 2 letter state code.
    'city' => 'New York',
    'zip' => '38564',
    'ip_address' => '192.168.168.4',
    'email' => 'test@gmail.com',
    'country_code' => '+91',
    'phone_no' => '999999999',
    'amount' => '10.00',
    'currency' => 'USD',
    'card_no' => '4242424242424242',
    'ccExpiryMonth' => '02',
    'ccExpiryYear' => '2026',
    'cvvNumber' => '123',
    'response_url' => 'https://yourdomain.com/callback.php',
    'webhook_url' => 'https://yourdomain.com/notification.php',
];

$curl = curl_init();
curl_setopt($curl, CURLOPT_URL, $url);
curl_setopt($curl, CURLOPT_POST, 1);
curl_setopt($curl, CURLOPT_POSTFIELDS, json_encode($data));
curl_setopt($curl, CURLOPT_RETURNTRANSFER, 1);
curl_setopt($curl, CURLOPT_HTTPHEADER,[
    'Content-Type: application/json'
]);
$response = curl_exec($curl);
curl_close($curl);

$responseData = json_decode($response);

if(isset($responseData['status']) && $respsonseData['status'] == '3d_redirect') {
    header("Location: ".$responseData['redirect_3ds_url']);
} elseif(isset($responseData['status']) && $respsonseData['status'] == 'success') {
    echo "your transaction was approved.";
    print_r($responseData);
} else {
    echo "your transaction was declined";
    print_r($responseData);
}

Response

After a successful CURL request, the response will be sent in JSON format.

Mainly there are 3 types of response with the following Parameter:
1.) “status”:"fail” :  Transaction is declined and it's final status.
2.) “status”:"success” : Transaction is success and it's final status.
3.) “status”:"3d_redirect” : 3D secure redirection is required to complete the transaction
4.) “status”:"declined” : Transaction is declined and it's final status..
5.) “status”:"pending” : Transaction was pending state.
6.) “status”:"blocked” : Transaction was blocked and it's final status.
Success, Declined or 3ds response.

If response contains “status”:"fail” or “status”:"success” it means transaction is complete and it doesn’t need to redirect to 3DS URL.

Validation Errors

If in case of validation errors in request, response will be like:

{
    "status": "fail",
    "message": "Some parameters are missing or invalid request data, please check 'errors' parameter for more details.",
    "errors": {
        "phone_no": [
            "The phone no field is required."
        ]
    },
    "data": {
        "order_id": null,
        "amount": "20",
        "currency": "USD",
        "email": "example@mail.com",
        "customer_order_id": "GH56HJ86285CVP"
    }
}

Successful Response

This is successful transaction response

{
    "status": "success",
    "message": "Your transaction has been processed successfully.",
    "data": {
        "order_id": "16249643005FIFA4ARBU",
        "amount": "20",
        "currency": "USD",
        "email": "example@mail.com",
        "customer_order_id": "GH56HJ86285CVP"
    }
}

Declined Response

This is the declined transaction response

{
    "status": "fail",
    "message": "Your card number is incorrect.",
    "data": {
        "order_id": "16249643005FIFA4ARBU",
        "amount": "20",
        "currency": "USD",
        "email": "example@mail.com",
        "customer_order_id": "GH56HJ86285CVP"
    }
}

3Ds secure Json Response type

If the response returns “status”:"3d_redirect” need to redirect the “redirect_3ds_url”

Response After 3DS

After 3D secure is completed, the user will be redirected to merchant website.

If transaction will be successful, the user will redirect to ”response_url” with response in query string similar to the one below:

https://response_url?status=success&message=Your%20transaction%20was%20success&order_id=16249643005FIFA4ARBU&customer_order_id=GH56HJ86285CVP

If the transaction fails, the user will be redirected to “response_url” with response in query string as follows:

https://response_url?status=success&message=Your%20card%20number%20is%20incorrect.",&order_id=16249643005FIFA4ARBU&customer_order_id=GH56HJ86285CVP
{
    "status": "3d_redirect",
    "message": "3DS link generated successfully, please redirect to 'redirect_3ds_url'.",
    "redirect_3ds_url": https://dashboard.charge.money"/payment/test-transaction/DMZB1624964217",
    "customer_order_id": "GH56HJ86285CVP",
    "api_key": "your_api_key"
}

Webhooks

Webhooks events are transaction callbacks that sends notifications of transaction to the merchant server. If you want to receive webhooks, then send "webhook_url" parameter with initial request(See above request example).

Here are the simple explanation of each parameter:

1.) order_id : Transaction reference number of our system.
2.) customer_order_id: Merchant transaction reference.
3.) transaction_status: "success" / "fail".
4.) reason: Response from the bank about transaction status.
5.) currency: Currency of the transaction.
6.) amount: Amount of the transaction.
7.) email: Email of the transaction.
8.) transaction_date: Date of the transaction.
Webhook Example

Here are the example of webhook notification request:

{
    "order_id": "16249643005FIFA4ARBU",
    "customer_order_id": "GH56HJ86285CVP",
    "transaction_status": "success",
    "reason": "Your transaction has been processed successfully.",
    "currency": "USD",
    "amount": "20",
    "transaction_date": "2021-06-23 04:38:51"
}