Withdrawal Operation (P2P Card Credit)

The P2P Credit Card Operation allows you to transfer funds to any specified payment card. This is not a refund or reversal operation - it's a direct payout functionality typically used by financial institutions and lending companies to disburse loans or other funds to customers' cards.

To use this operation, you must:

• Send requests to the endpoint: https://pay.fondy.eu/api/p2pcredit/ (API Reference)
• Use the transaction password testcredit for P2P credit operations

For refunding transactions, please use the Reversal Operation instead.

Example Requests and Responses

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

JSON Example

Request

{
    "request": {
        "merchant_id": 1396424,
        "order_id": "besh_p2p_1743690601",
        "amount": 10000,
        "currency": "USD",
        "order_desc": "Fondy P2P Card Credit Payment via Python API",
        "receiver_card_number": "4444555566661111",
        "signature": "19059322c0efdfd445d38c2ac19034cfd926151d"
    }
}

Response

{
    "response": {
        "product_id": "",
        "masked_card": "444455XXXXXX1111",
        "currency": "USD",
        "response_description": "",
        "order_status": "approved",
        "response_status": "success",
        "order_time": "03.04.2025 17:30:03",
        "order_id": "besh_p2p_1743690601",
        "tran_type": "p2p credit",
        "payment_system": "card",
        "approval_code": "",
        "merchant_id": 1396424,
        "payment_id": 855493761,
        "card_bin": 444455,
        "response_code": "",
        "card_type": "VISA",
        "amount": "10000",
        "signature": "6f4db44da2b4aed7c494f2c78c8867c0b0d8859d",
        "additional_info": "{\"capture_status\": null, \"capture_amount\": null, \"reservation_data\": null, \"transaction_id\": 2084915004, \"bank_response_code\": null, \"bank_response_description\": null, \"client_fee\": 0.0, \"settlement_fee\": 0.0, \"bank_name\": null, \"bank_country\": null, \"card_type\": \"VISA\", \"card_product\": \"empty_visa\", \"card_category\": null, \"timeend\": \"03.04.2025 17:30:03\", \"ipaddress_v4\": \"77.65.91.238\", \"payment_method\": \"card\", \"is_test\": true}",
        "response_signature_string": "**********|{\"capture_status\": null, \"capture_amount\": null, \"reservation_data\": null, \"transaction_id\": 2084915004, \"bank_response_code\": null, \"bank_response_description\": null, \"client_fee\": 0.0, \"settlement_fee\": 0.0, \"bank_name\": null, \"bank_country\": null, \"card_type\": \"VISA\", \"card_product\": \"empty_visa\", \"card_category\": null, \"timeend\": \"03.04.2025 17:30:03\", \"ipaddress_v4\": \"77.65.91.238\", \"payment_method\": \"card\", \"is_test\": true}|10000|444455|VISA|USD|444455XXXXXX1111|1396424|besh_p2p_1743690601|approved|03.04.2025 17:30:03|855493761|card|success|p2p credit"
    }
}

Error Response

{
    "response": {
        "error_code": 1007,
        "error_message": "Parameter `currency` is incorrect",
        "request_id": "ryopenHW0Dova",
        "response_status": "failure"
    }
}

HTML form example

Request

order_id=test3600040034&order_desc=Test payment&currency=GBP&receiver_card_number=4444555566661111
&amount=100&merchant_id=1&signature=ea326b841f9a1e2e90fb392392d3ed6255a6698d

Response

rrn=401311593803&masked_card=444455XXXXXX1111&sender_cell_phone=&response_status=
&currency=GBP&fee=&reversal_amount=&settlement_amount=&actual_amount=1000
&order_status=approved&response_description=&order_time=13.01.2014+15%3A10%3A47
&actual_currency=GBP&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=

Error Response

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