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

Signature Required

P2P credit card operations require a signature for request validation. Learn how to generate and validate signatures in our Signatures guide.

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