Pre-Auth & Capture - Payment API Credit Card

21 min

About Pre-Auth & Capture - Payment API Credit Card

After You proceed with Credit Card registration with Pre-Auth & Capture feature type on Pre-Auth & Capture - Registration API Credit Card, You can proceed to the next payment step on that transaction through this API Payment.

Learn about Credit Card Payment with RecurringToken on the Credit Card Feature page or visit the technical explanation about Pre-Auth Capture in Pre-Auth & Capture - Payment API Credit Card page.

Pre-Auth - Payment API Credit Card (Hold Fund)

API Endpoint	/nicepay/direct/v2/payment
Request Method	POST
Description	Pre-Auth (Hold Fund)
Merchant Token	SHA256(timeStamp+iMid+referenceNo+amt+merchantKey)
Request Format	application/json

Request Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

To able the Pre-auth feature from Your Customer transaction, You need to fill in the tXid parameter from the response result on Pre-Auth & Capture - Registration API Credit Card that You have already done.

Parameter	Type	Size	Description	Example / Notes
timeStamp Required	N	14	Request Timestamp (YYYYMMDDHH24MISS)	20230522130518
tXid Required	AN	30	Transaction ID	IONPAYTEST01202305161007570327
referenceNo Required	ANS	40	Merchant Order Number	This Is The Description Of The Payment
merchantToken Required	AN	255	Merchant Token	ff139e49606387091cd9baeadff3161aff6afd9406e1f481e0fdb8b46d1ae5ae
cardNo Required	N	20	Credit Card Number	Credit Card Number 443426******0008
cardExpYymm Required	A	4	Card Expiry (YYMM)	3901
cardHolderNm Required	AN	45	Card Holder Name	John Doe Only alphabet allowed
cardHolderEmail Required	ANS	100	Card Holder Email	[email protected]
cardCvv Required	N	4	Card CVV	100
callBackUrl Required	AN	255	Payment Result Forward URL	https://www.merchant.com/callbackUrl/

You also need cardNo, cardExpYymm, cardHolderNm, cardHolderEmail & cardCvv parameters that You can get from Your Customer so the billing transaction can be processed.

Response Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

The following is a response parameter from the request Pre-Auth Payment (Hold Fund) result.

Parameter	Type	Size	Description	Example / Notes
timeStamp	N	14	Response Date (YYYYMMDDHH24MISS)	20230516135959
resultCd	N	4	Result Code	0000
resultMsg	AN	255	Result Message: Error Code	SUCCESS
tXid	AN	30	Transaction ID	IONPAYTEST01202305161007570327
referenceNo	ANS	40	Merchant Order Number	MerchantReferenceNumber001
payMethod	N	2	Payment Method Code	01 When Success
amount	N	12	Payment Amount	10000 When Success
currency	AN	3	Currency	IDR When Success
goodsNm	AN	100	Goods Name	Merchant Goods 1 When Success
billingNm	AN	100	Buyer Name	John Doe When Success
transDt	N	8	Transaction Date (YYYYMMDD)	20230522 When Success
transTm	N	6	Transaction Time (HH24MISS)	135959 When Success
description	AN	100	Description	This Is The Description Of The Payment When Success
authNo	N	10	Approval Number	123456 When Success
issuBankCd	A	4	Issuing Bank Code	CENA When Success
acquBankCd	A	4	Acquiring Bank Code	BNIA When Success
cardNo	AN	20	Card Number (Masked)	443426******0008 When Success
cardExpYymm	N	4	Card Expiry (YYMM)	3901 When Success
instmntMon	N	2	Installment Month	1 When Success
instmnType	N	2	Installment Type Code	1 When Success
preauthToken	AN	64	Pre-Auth Token	5c6ba40e61c45d9fa37e763ea1f86b9d6ac5f1f7ed279e4d4531191c83279320 When Success
ccTransType	AN	2	Credit Card Transaction Type	3 When Success
vat	N	12	Value Added Tax (VAT)	0 When Success
fee	N	12	Service Fee	0 When Success
notaxAmt	N	12	Tax Free Amount	0 When Success
acquBankNm	A	255	Acquiring Bank Name	CIMB
issuBankNm	A	255	Issuing Bank Name	BCA

If this process is successful, the paid fund will automatically hold, and You will get the needed preauthToken to go through the later capture process.

Please proceed capture process immediately after the Pre-Auth process is finished before the transaction fund expiry and will be considered void (the transaction fund will return to the cardholder)

The expiration date on the Pre-Auth transaction type usually takes up to 7 days.

Sample Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

Request Parameter

let secondVersion = new SecondApiVersion(config);

let parameterPayment = {
  amt: "10000",
  referenceNo: "ordNo20251001101069",
  tXid: "TESTMPGS0501202510011026450166",
  cardNo: "5123450000000008",
  callBackUrl: "https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979",
  cardExpYymm: "3106",
  cardCvv: "100",
  cardHolderNm: "Nicepay Test",
  preauthToken: "",  // Leave empty for hold fund
  cardHolderEmail: "[email protected]",
};

let response = secondVersion.requestPayment(parameterPayment);

Response Parameter

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    <div class='wrapper' id='loader'><span class='loader'></span></div>
    <div style='visibility:hidden'>
        <div id="initiate3dsSimpleRedirect" xmlns="http://www.w3.org/1999/html"> <iframe id="methodFrame"
                name="methodFrame" height="100" width="200"> </iframe>
            <form id="initiate3dsSimpleRedirectForm" method="POST"
                action="https://mtf.gateway.mastercard.com/acs/mastercard/v2/method" target="methodFrame"> <input type="hidden" name="threeDSMethodData" value="eyJ0aHJlZURTTWV0aG9kTm90aWZpY2F0aW9uVVJMIjoiaHR0cHM6Ly9tdGYuZ2F0ZXdheS5tYXN0ZXJjYXJkLmNvbS9jYWxsYmFja0ludGVyZmFjZS9nYXRld2F5L2Q2ZWRlMjU4N2VjNmVmY2Y4ODc4YWIxZjBhMWViMTc0YTkwZDA5N2E0YWJhZDVhOTQzNzM5ZmVmMTdjNzZhZDUiLCJ0aHJlZURTU2VydmVyVHJhbnNJRCI6IjZkYjBhY2I4LTdjMDYtNDc5Yy04MTNmLTQ4YTA4NWYzNjU0ZSJ9" />
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            </script>
        </div>
    </div>
    <form name="mpgsAuthFrm" id="mpgsAuthFrm" method="post" action='https://dev.nicepay.co.id/nicepay/api/mpgsAuth.do'>
        <input type='hidden' name='tXid' value='TESTMPGS0501202510011026450166'>
        <input type='hidden' name='cardNo' value='5123450000000008'>
        <input type='hidden' name='cardExpYymm' value='3106'>
        <input type='hidden' name='cardCvv' value='100'>
        <input type='hidden' name='callbackUrl' value='https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=TESTMPGS0501202510011026450166'>
        <input type='hidden' name='registered' value='true'>
        <input type='hidden' name='directV1' value='false'>
        <input type='hidden' name='authResult' value='false'>
        <input type='hidden' name='browser' value=''>
        <input type='hidden' name='browserJavaEnabled' value='false'>
        <input type='hidden' name='browserJavascriptEnabled' value='2'>
        <input type='hidden' name='browserLanguage' value=''>
        <input type='hidden' name='browserScreenColorDepth' value=''>
        <input type='hidden' name='browserScreenHeight' value='0'>
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			document.mpgsAuthFrm.browserTimeZone.value = new Date().getTimezoneOffset(); 
			document.mpgsAuthFrm.submit(); 
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Capture - Payment API Credit Card

API URL	/nicepay/direct/v2/payment
Request Method	POST
Description	Capture Process from Pre-Auth
Merchant Token	SHA256(timeStamp+iMid+referenceNo+amt+merchantKey)
Request Format	application/json

Request Parameter for Capture - Payment API Credit Card

After you get the preauthToken on the paid transaction from your Customer on API Pre-Auth Payment (Hold) process.

The next step is going through capture process on the earlier held fund. However to proceed with that, You need to register again with the new transaction on Pre-Auth & Capture - Registration API Credit Card with the capture amount must be less or equal to the hold amount from the previous Pre-Auth process.

If you already success registered the transaction again, You can use this API Capture.

The capture process can be executed multiple times as long as the total amount that already went through pre-auth still available for capture include the pre-auth transaction still not yet expired or hasn't considered void.

The following is a list of parameter to integrate for the Credit Card payment process using PreauthToken without cardNo, cardExpYymm , or cardCvv.

Parameter	Type	Size	Description	Example / Notes
timeStamp Required	N	14	Request Timestamp (YYYYMMDDHH24MISS)	20230516135959
tXid Required	AN	30	Transaction ID	IONPAYTEST01202305161007570327
referenceNo Required	ANS	40	Merchant Order Number	MerchantReferenceNumber001
merchantToken Required	AN	255	Merchant Token	ff139e49606387091cd9baeadff3161aff6afd9406e1f481e0fdb8b46d1ae5ae
cardHolderNm Required	AN	45	Card Holder Name	John Doe Only alphabet allowed
cardCvv	N	6	Card CVV	100
callBackUrl Required	ANS	255	Payment Result URL	https://www.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp
preauthToken Required For Capture Process in Pre-Auth	AN	64	Pre-Auth Token	5976c263fe6116503645057bb00be809c3a6f9c1e355efa12ef2cda2be03d5eb

tXid will never be similar with the request (pre-auth - hold). The Capture process will ensure that the capture amount value won't exceed the funds You already pre-auth.

Response Parameter for Capture - Payment API Credit Card

Parameter	Type	Size	Description	Example / Notes
timeStamp	N	14	Response Date (YYYYMMDDHH24MISS)	20230516135959
resultCd	N	4	Result Code	0000
resultMsg	AN	255	Result Message: Error Code	SUCCESS
tXid	AN	30	Transaction ID	IONPAYTEST01202305161007570327
referenceNo	ANS	40	Merchant Order Number	MerchantReferenceNumber001
payMethod	N	2	Payment Method Code	01 When Success
amount	N	12	Payment Amount	10000 When Success
currency	AN	3	Currency	IDR When Success
goodsNm	AN	100	Goods Name	Merchant Goods 1 When Success
billingNm	AN	100	Buyer Name	John Doe When Success
transDt	N	8	Transaction Date (YYYYMMDD)	20230522 When Success
transTm	N	6	Transaction Time (HH24MISS)	224343 When Success
description	AN	100	Description	This Is The Description Of The Payment When Success
authNo	N	10	Approval Number	123456 When Success
issuBankCd	A	4	Issuing Bank Code	CENA When Success
acquBankCd	A	4	Acquiring Bank Code	BNIA When Success
cardNo	AN	20	Card Number (Masked)	51234500****0008 When Success
cardExpYymm	N	4	Card Expiry (YYMM)	3901 When Success
instmntMon	N	2	Installment Month	1 When Success
instmnType	N	2	Installment Type Code	1 When Success
ccTransType	AN	2	Credit Card Transaction Type	3 When Success
vat	N	12	Value Added Tax (VAT)	0 When Success
fee	N	12	Service Fee	0 When Success
notaxAmt	N	12	Tax Free Amount	0 When Success
acquBankNm	A	255	Acquiring Bank Name	CIMB
issuBankNm	A	255	Issuing Bank Name	BCA

tXid will never similar with the request hold. Capture process will ensure that the capture amount value won't exceed the owned funds.

Sample Parameter for Capture - Payment API Credit Card

Request Parameter

let secondVersion = new SecondApiVersion(config);

let parameterPayment = {
  amt: "100",
  referenceNo: "ordNo20251001171009",
  tXid: "TESTMPGS0501202510011716431018",
  callBackUrl: "https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=RECURRTEST01202509301555563979",
  cardHolderNm: "Nicepay Test",
  preauthToken: "a513eff039c80a8c617fe57dbb401c52dbfd683b5d48fb3df61312f5a6665f35",  // Preauth token
  cardHolderEmail: "[email protected]",
};

let response = secondVersion.requestPayment(parameterPayment);

Response Parameter

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<body >
	










<html>
<head>
	<meta name="viewport" content="width=device-width, initial-scale=1.0">
<script type = "text/javascript">
	function setAcsInfo(){
		if ('01' != '05') {
			document.tranMgr.action = $("#callbackUrl").val();
		} else if ('01' == '05' && '' != null && '' == 'OVOE') {
			document.tranMgr.action = $("#callbackUrl").val();
		}
		
		if (document.tranMgr.cardBrand.value == null || document.tranMgr.cardBrand.value == "")
			document.tranMgr.cardBrand.setAttribute("disabled", true);
		
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		<form name="tranMgr" method="post" action="">
			<input type="hidden" id="callbackUrl"  value="https://dev.nicepay.co.id/IONPAY_CLIENT/paymentResult.jsp?order_id=TESTMPGS0501202510011716431018">
			<input type="hidden" name="resultCd"  value="0000">
			<input type="hidden" name="resultMsg" value="SUCCESS">
			<input type="hidden" name="tXid" value="TESTMPGS0501202510011716431018">
			<input type="hidden" name="referenceNo" value="ordNo20251001171009">
			<input type="hidden" name="payMethod" value="01">
			<input type="hidden" name="amt" value="100">
			<input type="hidden" name="transDt" value="20251001">
			<input type="hidden" name="transTm" value="171643">
			<input type="hidden" name="description" value="">
			<input type="hidden" name="authNo" value="259296">
			<input type="hidden" name="issuBankCd" value="BTPN">
			<input type="hidden" name="acquBankCd" value="BNIA">
			<input type="hidden" name="cardNo" value="51234500****0008">
			<input type="hidden" name="receiptCode" value="">
			<input type="hidden" name="mitraCd" value="">
			<input type="hidden" name="recurringToken" value="">
			<input type="hidden" name="preauthToken" value="">
			
			<input type="hidden" name="currency" value="IDR">
			<input type="hidden" name="goodsNm" value="Goods">
			<input type="hidden" name="billingNm" value="Nicepay test TESTMPGS05">
			<input type="hidden" name="ccTransType" value="4">
			<input type="hidden" name="mRefNo" value="">
			
			<input type="hidden" name="instmntType" value="1">
			<input type="hidden" name="instmntMon" value="1">
			
			<input type="hidden" name="cardExpYymm" value="3901">
			
			<input type="hidden" name="issuBankNm" value="BTPN">
			<input type="hidden" name="acquBankNm" value="CIMB">
			
			<input type="hidden" name="timeStamp" value="20251001171714">
			<input type="hidden" name="merchantToken" value="5a96b2ec2e748454714d78ccee174ed74b095fad2612eb9370e9a15e516cddec">
			<input type="hidden" name="cardBrand" value="">
			
			
			
		</form>
	

	
</body>
</html>
</body>

</html>

CallBack Handling for Pre-Auth & Capture - Payment API Credit Card

When your callback already received callbackUrl, we recommended the Merchant do the status verification using the Status Inquiry - API Credit Card.

CallBack Handling is very important to minimize the Fraud act, we highly recommend the Merchant to do the verification using callBack Handling .

{
    "resultCd":"0000",
    "resultMsg":"SUCCESS",
    "tXid":"IONPAYTEST01202212141112221428",
    "referenceNo":"",
    "payMethod":"01",
    "amt":"10000",
    "transDt":"20221212",
    "transTm":"121212",
    "description":"Testing Credit Card Transaction",
    "authNo":"080623",
    "issuBankCd":"OTHR"
    "acquBankCd":"BMRI",
    "cardNo":"453211*****1111",
    "goodsNm":"Test Transaction Nicepay"
    "billingNm":"John Doe",
    "currency":"IDR",
    "timeStamp":"20221212121212",
    "merchantToken":"2035d2295d9578fffb40137186f0203474142ae3e57992d4847826c5fcaffce6",
    "cardExpYymm":"2712",
    "instmntMon":"1",
    "instmntType":"1",
    "ccTransType":"1"
}

Pre-Auth & Capture - Payment API Credit Card

About Pre-Auth & Capture - Payment API Credit Card

Pre-Auth - Payment API Credit Card (Hold Fund)

Request Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

Response Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

Sample Parameter for Pre-Auth - Payment API Credit Card (Hold Fund)

Request Parameter

Response Parameter

Capture - Payment API Credit Card

Request Parameter for Capture - Payment API Credit Card

Response Parameter for Capture - Payment API Credit Card

Sample Parameter for Capture - Payment API Credit Card

Request Parameter

Response Parameter

CallBack Handling for Pre-Auth & Capture - Payment API Credit Card

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