Non-3DS Card Payment

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How to Integrate

Refer to the high level diagram flow of Server-to-Server.

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Please refer to the available payment channels below :
Global Card (CC)
Local Card (LCC)

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1. Prepare Payment Token Request

To prepare a payment token request, refer to the required parameters below.

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Please refer to: Payment Token API Request

Pre Requisite

  1. MerchantID, secret code & currencyCode are provided by 2C2P.
  1. For PaymentChannel, merchants can refer to the available payment channels for Global Card (CC) & Local Card (LCC) linked above.

Merchants who already know which specific card payment needs to proceed may fill in the corresponding Channel Code, Category Code , or Group Code. The available payment channel will then be shown in the Payment Option and Payment Option Detail APIs.

  1. request3DS must be set to N to indicate a non-3DS card payment.
{
    "merchantID": "JT01",
    "invoiceNo": "1523953661",
    "description": "item 1",
    "amount": 1000.00,
    "currencyCode": "SGD",
    "paymentChannel": ["CC"],
    "request3DS": "N"
}

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2. Receive Payment Token Response

To receive a payment token response, refer to the sample payment token response below.

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Please refer to: Payment Token API Response

{
  "paymentToken": "kSAops9Zwhos8hSTSeLTUU3o184xaNR/T6ySCKGXyEBuOG+IdpUQMByX2CNQX7ogIAPBAgzDWpVj6447eDblRXUO/jOyK6mFETAAoLnxVjo=",
  "respCode": "0000",
  "respDesc": "Success"
}

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3. Validation of Payment Token

Proceed only when the parameter "respCode" is "0000". Otherwise, terminate the payment process. Refer to the Payment Response Code below.

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Please refer to: Payment Response Code

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4. Prepare Payment Option Request

To retrieve available payment options, send a payment option request. Refer to the sample Payment Option Request below.

For merchants who already know which payment options are available, this step is optional.

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Please refer to: Payment Option API Request

{
    "paymentToken": "kSAops9Zwhos8hSTSeLTUU3o184xaNR/T6ySCKGXyEBuOG+IdpUQMByX2CNQX7ogIAPBAgzDWpVj6447eDblRXUO/jOyK6mFETAAoLnxVjo=",
    "locale": "en",
    "clientID": "30c7cf51-75c4-4265-a70a-effddfbbb0ff"
}

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5. Receive Payment Option Response

To receive a payment option response, refer to the sample payment option response below.

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Please refer: Payment Option API Response

{
  "paymentToken": "kSAops9Zwhos8hSTSeLTUU3o184xaNR/T6ySCKGXyEBuOG+IdpUQMByX2CNQX7ogIAPBAgzDWpVj6447eDblRXUO/jOyK6mFETAAoLnxVjo=",
  "merchantDetails": {
    "id": "JT04",
    "name": "DEMO Merchant TH",
    "address": "DEMO",
    "email": "",
    "logoUrl": "https://pgw-static-sandbox.s3.amazonaws.com/images/merchantlogo/JT04.png",
    "bannerUrl": null
  },
  "transactionDetails": {
    "amount": "10.00",
    "currencyCode": "THB",
    "invoiceNo": "230620092028",
    "description": "V4 Test"
  },
  "channelCategories": [
    {
      "groups": [
        {
          "sequenceNo": 1,
          "name": "Credit Card Payment",
          "code": "CC",
          "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/cc.png",
          "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/.png",
          "default": true
        },
        {
          "sequenceNo": 2,
          "name": "Installment Plan Payment",
          "code": "IPP",
          "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/ipp.png",
          "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/.png",
          "default": false
        },
        {
          "sequenceNo": 3,
          "name": "3rd Party Payment",
          "code": "GTPTY",
          "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/tpty.png",
          "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/.png",
          "default": false
        }
      ],
      "sequenceNo": 1,
      "name": "Global Card",
      "code": "GCARD",
      "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/gcard.png",
      "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/.png",
      "default": true
    }
  ],
  "respCode": "0000",
  "respDesc": "Success"
}

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6. Prepare Payment Option Details Request

To retrieve details for available payment options, send a payment option details request. Refer to the sample Payment Option Details Request below.

For merchants who already know payment option details, this step is optional.

Pre Requisite

  1. Payment Token from Payment Token API
  1. CategoryCode & GroupCode from Payment Option API

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Please refer to: Payment Option Details API Request

{
  "categoryCode": "GCARD",
  "groupCode": "CC",
  "paymentToken": "kSAops9Zwhos8hSTSeLTUU3o184xaNR/T6ySCKGXyEBuOG+IdpUQMByX2CNQX7ogIAPBAgzDWpVj6447eDblRXUO/jOyK6mFETAAoLnxVjo=",
  "locale": "en",
  "clientID":"30c7cf51-75c4-4265-a70a-effddfbbb0ff"
}

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7. Receive Payment Option Details Response

To receive a payment option details response, refer to the sample payment option details response below.

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Please refer to: Payment Option Details API Response

{
  "totalChannel": 4,
  "name": "Credit Card Payment",
  "categoryCode": "GCARD",
  "groupCode": "CC",
  "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/cc.png",
  "channels": [
    {
      "sequenceNo": 1,
      "name": "MasterCard",
      "currencyCodes": null,
      "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/master.png",
      "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/master.png",
      "payment": {
        "code": {
          "channelCode": "CC"
        },
        "input": {
          "cardNo": "M",
          "expiryDate": "M",
          "securityCode": "O",
          "name": "O",
          "email": "O",
          "pin": "I"
        },
        "validation": {
          "cardNo": "^(?:5[1-5][0-9]{2}|222[1-9]|22[3-9][0-9]|2[3-6][0-9]{2}|27[01][0-9]|2720)[0-9]{12}$",
          "expiryDate": "^(2\\d{3}0?[1-9]|1[012])$",
          "securityCode": "^[0-9]{3,4}$",
          "name": "^(?!\\s*$)[-a-zA-Z' ']{1,}$",
          "email": "^(([^<>()\\[\\]\\\\.,;:\\[email protected]\"]+(\\.[^<>()\\[\\]\\\\.,;:\\[email protected]\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$",
          "token": "(.*?)",
          "additional": {
            "cardNo": {
              "luhn": true,
              "prefixes": [
                "51",
                "52",
                "53",
                "54",
                "55",
                "2221",
                "2222",
                "2223",
                "2224",
                "2225",
                "2226",
                "2227",
                "2228",
                "2229",
                "223",
                "224",
                "225",
                "226",
                "227",
                "228",
                "229",
                "23",
                "24",
                "25",
                "26",
                "270",
                "271",
                "2720"
              ]
            },
            "amount": null
          }
        }
      },
      "isDown": false
    },
    {
      "sequenceNo": 2,
      "name": "VISA",
      "currencyCodes": null,
      "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/visa.png",
      "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/visa.png",
      "payment": {
        "code": {
          "channelCode": "CC"
        },
        "input": {
          "cardNo": "M",
          "expiryDate": "M",
          "securityCode": "O",
          "name": "O",
          "email": "O",
          "pin": "I"
        },
        "validation": {
          "cardNo": "^4[0-9]{12}(?:[0-9]{3})?$",
          "expiryDate": "^(2\\d{3}0?[1-9]|1[012])$",
          "securityCode": "^[0-9]{3,4}$",
          "name": "^(?!\\s*$)[-a-zA-Z' ']{1,}$",
          "email": "^(([^<>()\\[\\]\\\\.,;:\\[email protected]\"]+(\\.[^<>()\\[\\]\\\\.,;:\\[email protected]\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$",
          "token": "(.*?)",
          "additional": {
            "cardNo": {
              "luhn": true,
              "prefixes": [
                "4"
              ]
            },
            "amount": null
          }
        }
      },
      "isDown": false
    },
    {
      "sequenceNo": 3,
      "name": "JCB",
      "currencyCodes": null,
      "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/jcb.png",
      "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/jcb.png",
      "payment": {
        "code": {
          "channelCode": "CC"
        },
        "input": {
          "cardNo": "M",
          "expiryDate": "M",
          "securityCode": "O",
          "name": "O",
          "email": "O",
          "pin": "I"
        },
        "validation": {
          "cardNo": "^(?:2131|1800|35\\d{3})\\d{11}$",
          "expiryDate": "^(2\\d{3}0?[1-9]|1[012])$",
          "securityCode": "^[0-9]{3,4}$",
          "name": "^(?!\\s*$)[-a-zA-Z' ']{1,}$",
          "email": "^(([^<>()\\[\\]\\\\.,;:\\[email protected]\"]+(\\.[^<>()\\[\\]\\\\.,;:\\[email protected]\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$",
          "token": "(.*?)",
          "additional": {
            "cardNo": {
              "luhn": true,
              "prefixes": [
                "35"
              ]
            },
            "amount": null
          }
        }
      },
      "isDown": false
    },
    {
      "sequenceNo": 4,
      "name": "American Express",
      "currencyCodes": null,
      "iconUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/icon/amex.png",
      "logoUrl": "https://d27uu9vmlo4gwh.cloudfront.net/images/v4/images/logo/amex.png",
      "payment": {
        "code": {
          "channelCode": "CC"
        },
        "input": {
          "cardNo": "M",
          "expiryDate": "M",
          "securityCode": "O",
          "name": "O",
          "email": "O",
          "pin": "I"
        },
        "validation": {
          "cardNo": "^3[47][0-9]{13}$",
          "expiryDate": "^(2\\d{3}0?[1-9]|1[012])$",
          "securityCode": "^[0-9]{3,4}$",
          "name": "^(?!\\s*$)[-a-zA-Z' ']{1,}$",
          "email": "^(([^<>()\\[\\]\\\\.,;:\\[email protected]\"]+(\\.[^<>()\\[\\]\\\\.,;:\\[email protected]\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$",
          "token": "(.*?)",
          "additional": {
            "cardNo": {
              "luhn": true,
              "prefixes": [
                "34",
                "37"
              ]
            },
            "amount": null
          }
        }
      },
      "isDown": false
    }
  ],
  "validation": {
    "cardNo": {
      "prefixes": [
        "51",
        "52",
        "53",
        "54",
        "55",
        "2221",
        "2222",
        "2223",
        "2224",
        "2225",
        "2226",
        "2227",
        "2228",
        "2229",
        "223",
        "224",
        "225",
        "226",
        "227",
        "228",
        "229",
        "23",
        "24",
        "25",
        "26",
        "270",
        "271",
        "2720",
        "4",
        "35",
        "34",
        "37"
      ],
      "regex": null
    },
    "cardTypes": null
  },
  "configuration": {
    "payment": {
      "tokenize": false,
      "tokenizeOnly": false,
      "cardTokenOnly": false,
      "immediatePayment": false,
      "fx": {
        "mcp": {
          "active": false
        },
        "dcc": {
          "active": false
        }
      }
    },
    "notification": {
      "facebook": false,
      "whatsApp": false,
      "line": false
    }
  },
  "respCode": "0000",
  "respDesc": "Success"
}

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8. Prepare Do Payment Request

Merchants must call the Do Payment API to request for payment. To prepare a payment request, refer to the sample payment request below.

Pre Requisite :

  1. Payment Token from Payment Token API
  1. ChannelCode from Payment Option Details API
  1. For the parameter payment.data , refer to the Payment Option Details API Response parameter channels.payment.input to determine the particular data required.
  1. The parameter "securePayToken" requires encryption for sensitive information. Refer to Encryption of card info token on how to generate the token.

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Please refer to: Do Payment API Request

{
    "payment": {
        "code": {
            "channelCode": "CC"
        },
        "data": {
            "name": "Terrance Tay",
            "email": "[email protected]",
            "securePayToken": "00acd0YYe3Ob1GHTprOPybLpDUQz+0ZIjRSYkpZzEHFtNqPXeKzC92+e/5LLUTHOfeWmAF2WA1HKGuZPFh4p2OgGxm8QIayaXyJKI5zOWF4E4XCyPx0+nJRMHXrhr0n4iCAV8MmXZbPYm2kj3fnnRX+vjyYy8FCy165eOxqq9MWDex0=U2FsdGVkX187qEju5uo37OfKlSjyBT9+FlFU0wdGFANyrycT98W73d8z9vu4O/DT"
        }
    },
    "clientIP": "175.139.9.173",
    "paymentToken": "kSAops9Zwhos8hSTSeLTUXvfNA7ZE0pxOdr5WUx0Ns/ek/yQU4Hkg8cz5QcnVTlMqz//r2NtpdRmiu1pOpKsDv1byMx7OK/qq4CaRgQbvAU=",
    "locale": "en",
    "clientID": "30c7cf51-75c4-4265-a70a-effddfbbb0ff"
}

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9. Receive Do Payment Response

To receive a payment response, refer to the the sample payment response below.

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Please refer to: Do Payment API Response

{
    "invoiceNo": "280520075921",
    "channelCode": "CC",
    "respCode": "2000",
    "respDesc": "Transaction is completed, please do payment inquiry request for full payment information."
}

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10. Receive Payment Response via backend API

For merchants who have implemented "Receive Payment Response via backend API", refer to the sample backend payment response below.

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Please refer to: Payment Response - Backend API

{
  "merchantID": "JT04",
  "invoiceNo": "280520075921",
  "cardNo": "411111XXXXXX1111",
  "amount": "230.87",
  "currencyCode": "THB",
  "tranRef": "2868821",
  "referenceNo": "2785703",
  "approvalCode": "531484",
  "eci": "05",
  "transactionDateTime": "20200528080508",
  "respCode": "0000",
  "respDesc": "Success"
}

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11. Payment Inquiry to retrieve payment information

For merchants who do not implement "Receive Payment Response via backend API", you are required to call to the Payment Inquiry API to receive the payment response.

To prepare a payment inquiry request, refer to the sample payment inquiry request below.

๐Ÿ“˜

Please refer to: Payment Inquiry API Request

{
    "paymentToken": "kSAops9Zwhos8hSTSeLTUXvfNA7ZE0pxOdr5WUx0Ns/ek/yQU4Hkg8cz5QcnVTlMqz//r2NtpdRmiu1pOpKsDv1byMx7OK/qq4CaRgQbvAU=",
    "merchantID": "JT04",
    "invoiceNo": "254b77aabc",
    "locale": "en"
}

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12. Receive Payment Inquiry Response

To receive a payment inquiry response, refer to the sample payment inquiry response below.

๐Ÿ“˜

Please refer to: Payment Inquiry API Response

{
  "merchantID": "JT04",
  "invoiceNo": "280520075921",
  "cardNo": "411111XXXXXX1111",
  "amount": "230.87",
  "currencyCode": "THB",
  "tranRef": "2868821",
  "referenceNo": "2785703",
  "approvalCode": "531484",
  "eci": "05",
  "transactionDateTime": "20200528080508",
  "respCode": "0000",
  "respDesc": "Success"
}