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Create Payment with a Card Token

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The Create Payment with a Card Token process in the Fondy Gateway allows merchants to send payment requests using previously saved card tokens. This host-to-host integration provides a secure method to process payments without requiring customers to re-enter their card details, enhancing user convenience and reducing friction in the payment experience.

In order to have the token, the client must have already made another payment, and you must save the token that comes back in the response. This guide will walk you through both steps.

Before proceeding to the step-by-step guide, make sure you know how to use your Signature and that you have your Merchant ID (merchant_id). To get your Merchant ID, go to the Fondy Dashboard and log in. In the left sidebar, select Merchant Settings and then Technical. You can copy the Merchant ID by clicking the green button to the right of the number.

Creating the first Payment

To create the initial payment, follow the steps below. For more details, such as example request and responses, go to the Create Payment guide.

  1. Prepare the request data with the required fields:
    • server_callback_url: Callback URL for payment updates.
    • order_id: Unique order identifier.
    • currency: Payment currency.
    • order_desc: Order description.
    • amount: Payment amount.
    • merchant_id: Your merchant ID.
    • signature: The request signature.
  2. Use your preferred protocol to send a POST request to the Accept Purchase endpoint.

📘

Supported Protocols

The supported protocols for this request are:

  • URL-encoded form
  • XML
  • JSON
  1. Handle the response to retrieve the checkout_url and use it to redirect the customer to complete the payment.
  2. After finishing, Fondy will send a POST request with the final payment information to the server_callback_url containing all the information from the processed payment. Here you will find the rectoken needed for the next steps. For more details, access the Callbacks guide.

Creating a Payment with the Card Token

The steps in this part are similar to the ones above, but you must send the rectoken in the first request.

  1. Prepare the request data with the required fields:
    • server_callback_url: Callback URL for payment updates.
    • order_id: Unique order identifier.
    • currency: Payment currency.
    • order_desc: Order description.
    • amount: Payment amount.
    • merchant_id: Your merchant ID.
    • signature: The request signature.
    • rectoken: The encrypted card data.
  2. Use your preferred protocol to send a POST request to the Accept Purchase endpoint.

👍

Use Token with Recurring Payment

You can also use the rectoken with the Recurring Payment endpoint.

  1. Handle the response to retrieve the checkout_url and use it to redirect the customer to complete the payment.
  2. After finishing, Fondy will send a POST request with the final payment information to the server_callback_url containing all the information from the processed payment. For more details, access the Callbacks guide.

Example Requests and Responses

Below, you find examples of requests and responses for each supported protocol.

JSON Example

{
  "request":{
    "order_id":"test8037875286",
    "order_desc":"Test payment",
    "currency":"USD",
    "amount":"100",
    "rectoken":"544d3f86237886b6404d8b000f6a7d71c45410b7",
    "signature":"07bc309047a56275f8d89ae222e2af0ceb94fe79",
    "merchant_id":"1"
  }
}

{
  "response": {
    "rrn": "",
    "masked_card": "",
    "sender_cell_phone": "",
    "response_signature_string": "**********1000USD1000530159USDTest1test7926651365approved13.01.2014 15:10:472100Visa/MC",
    "response_status": "",
    "currency": "USD",
    "fee": "",
    "reversal_amount": "",
    "settlement_amount": "",
    "actual_amount": "1000",
    "order_status": "approved",
    "response_description": "",
    "order_time": "13.01.2014 15:10:47",
    "actual_currency": "USD",
    "order_id": "test7926651365",
    "tran_type": "",
    "eci": "",
    "settlement_date": "",
    "payment_system": "Visa/MC",
    "approval_code": "530159",
    "merchant_id": "1",
    "settlement_currency": "",
    "payment_id": "2100",
    "card_bin": "",
    "response_code": "",
    "card_type": "",
    "amount": "1000",
    "sender_email": "",
    "signature": "3a587a6908e1b4119729e6b00f9f055a927728fd",
    "product_id": ""
  }
}

{
  "response":{
  "response_status":"failure",
  "error_message":"Parameter `amount` is mandatory",
  "error_code":"1008"
  }
}

XML Example

<?xml version="1.0" encoding="UTF-8"?>
<request>
  <response_url>https://pay.fondy.eu/responsepage/</response_url>
  <order_id>test622138965</order_id>
  <order_desc>Test payment</order_desc>
  <currency>USD</currency>
  <amount>100</amount>
  <rectoken>544d3f86237886b6404d8b000f6a7d71c45410b7</rectoken>
  <signature>fad685643ed5375d6d08c27f4f600e848549b0c5</signature>
  <merchant_id>1</merchant_id>
</request>

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <rrn>401311593803</rrn>
  <masked_card>444455XXXXXX1111</masked_card>
  <sender_cell_phone />
  <response_status />
  <currency>USD</currency>
  <fee />
  <reversal_amount />
  <settlement_amount />
  <actual_amount>1000</actual_amount>
  <order_status>approved</order_status>
  <response_description />
  <order_time>13.01.2014 15:10:47</order_time>
  <actual_currency>USD</actual_currency>
  <order_id>test7926651365</order_id>
  <tran_type />
  <eci />
  <settlement_date />
  <payment_system>Visa/MC</payment_system>
  <approval_code>530159</approval_code>
  <merchant_id>1</merchant_id>
  <settlement_currency />
  <payment_id>2100</payment_id>
  <card_bin>444455</card_bin>
  <response_code />
  <card_type>VISA</card_type>
  <amount>1000</amount>
  <sender_email />
  <signature>1f894ec8c9b9c0a619e87f92ad7d347431f705c0</signature>
  <product_id />
</response>

<?xml version="1.0" encoding="UTF-8"?>
<response>
  <response_status>failure</response_status>
  <error_message>Parameter `amount` is mandatory</error_message>
  <error_code>1008</error_code>
</response>

HTML-form Example

order_id=test3600040034&order_desc=Test payment&currency=USD
&amount=100&merchant_id=1&signature=ea326b841f9a1e2e90fb392392d3ed6255a6698d

rrn=401311593803&masked_card=444455XXXXXX1111&sender_cell_phone=&response_status=
&currency=USD&fee=&reversal_amount=&settlement_amount=&actual_amount=1000
&order_status=approved&response_description=&order_time=13.01.2014+15%3A10%3A47
&actual_currency=USD&order_id=test7926651365&tran_type=&eci=
&settlement_date=&payment_system=Visa%2FMC&approval_code=530159&merchant_id=1
&settlement_currency=&payment_id=2100&card_bin=444455&response_code=&
card_type=VISA&amount=1000&sender_email=&signature=1f894ec8c9b9c0a619e87f92ad7d347431f705c0&product_id=

response_status=failure&error_message=Parameter%20%60amount%60%20is%20mandatory&error_code=1008

Updated 8 days ago