Full Payment & Installment - Payment API Credit Card

about full payment & installment payment api credit card this uses after finishing full payment & installment registration api credit card docid 5yfvvdriig 2j8ksuel9g used in this stage is similar to for recurring token and pre auth & capture type however, there are several differences in sent request full payment & installment payment api credit card api endpoint /nicepay/direct/v2/payment request method post post description full & installment merchant token sha256( timestamp + imid + referenceno + amt + merchantkey ) request format application/x www form urlencoded on , if 3ds authentication is needed, your will direct to 3ds card issuer to input otp (one time password) code to finish request parameter for full payment & installment payment api credit card the following is list of request s to on full & installment request parameter s through form url with following detailed parameter type size description example / notes timestamp required required n 14 request timestamp ( yyyymmddhh24miss ) 20221202141217 txid required required an 30 transaction id ionpaytest01202212021455054652 referenceno n 40 reference number for ordno20221202141217 cardno required for cc required for cc n 20 number 4434260000000008 cardexpyymm required for cc required for cc a 4 card expiry ( yymm ) 3901 cardcvv required for cc required for cc n 4 card cvv 101 cardholdernm required required an 45 card holder name john doe only alphabet allowed cardholderemail required required ans 100 card holder email johndoe\@gmail com merchanttoken required required an 255 token c91e6531f6c84869439bc5ebe5389bd71e7752c054fc9dbfe193d087a1b797ae callbackurl required required ans 255 result url https //merchant com/callbackurl parameter needed in is your credit/debit card data such as cardno , cardexpyymm , cardcvv , cardholdernm & cardholderemail so, to do , we suggest you get card data from your beforehand before doing include cardcvv on every depending on mid type of cvv or non cvv response parameter for full payment & installment payment api credit card after you request, you will get a response from url callback with following detailed response parameter type size description example / notes resultcd n 14 result code docid 2r5sr3xvppu1eju1nitg resultmsg an 255 result message error code docid 4 fpewlvczfhcvygxwck9 txid an 30 transaction id when success referenceno ans 40 order number when success paymethod n 2 payment method code docid\ ek 0djw7nuhytcda4sa3p when success amt n 12 amount when success currency an 3 currency when success goodsnm a 100 goods name when success billingnm a 100 buyer name when success transdt n 8 transaction date ( yyyymmdd ) when success transtm n 6 transaction time ( hh24miss ) when success description an 100 transaction description when success authno n 10 approval number when success, cc issubankcd a 4 issuing bank code docid\ qbeq29lj53z vbvxtvb7l when success, cc acqubankcd a 4 acquiring bank code docid\ qbeq29lj53z vbvxtvb7l when success, cc cardno ans 20 masked card no when success, cc cardexpyymm n 4 card expiry ( yymm ) when success, cc instmntmon n 2 installment month when success, cc instmnttype n 2 installment type code docid\ wfsinjxqc2s9yubbybpep when success, cc cctranstype n 2 credit card transaction type docid 7pas vd5ylg4vdurmygwo 1 normal 2 recurring 3 pre auth 4 capture when success, cc sample parameter for full payment & installment payment api credit card request parameter curl curl location 'https //www nicepay co id/nicepay/direct/v2/payment' \\ \ header 'content type application/x www form urlencoded' \\ \ data urlencode 'timestamp=20250922143200' \\ \ data urlencode 'txid=ionpaytest8108202509221432005539' \\ \ data urlencode 'referenceno=reffno20250922143200' \\ \ data urlencode 'merchanttoken=020c4c90a89a388206d057cffe7c83df2ec1ead78ec17656544e4a58430ab7ea' \\ \ data urlencode 'cardno=5123450000000008' \\ \ data urlencode 'cardexpyymm=3601' \\ \ data urlencode 'cardcvv=100' \\ \ data urlencode 'cardholdernm=test' \\ \ data urlencode 'callbackurl=https //www nicepay co id/ionpay client/paymentresult jsp' node js let secondversion = new secondapiversion(config); let parameterpayment = { amt "1000", referenceno "reffno20250922143200", txid "ionpaytest8108202509221432005539", cardno "5123450000000008", callbackurl "https //www nicepay co id/ionpay client/paymentresult jsp", cardexpyymm "2901", cardcvv "100", recurringtoken "", cardholdernm "nicepay test", preauthtoken "", cardholderemail "test\@email com", }; let response = secondversion requestpayment(parameterpayment);nicepay config = nicepay builder() isproduction(false) // set to true for production build(); card requestdata = card builder() timestamp("20250922143200") // current timestamp (yyyymmddhhmmss) txid("ionpaytest8108202509221432005539") // transaction id from registration imid("ionpaytest") // your nicepay imid referenceno("reffno20250922143200") // unique order reference amt("1000") // payment amount merchanttoken(timestamp, imid, reffno, amount, merchant key) // secure token generation cardno("5123450000000008") // test card number cardexpyymm("2908") // card expiry date (yymm) cardcvv("100") // 3 digit cvv cardholdernm("nicepay test") // cardholder name callbackurl("https //www nicepay co id/ionpay client/paymentresult jsp") // callback url recurringtoken("") // leave empty if not recurring preauthtoken("") // leave empty if not pre auth build(); string responsehtml = v2cardservice callv2cardpaymentrequest(requestdata, config); bodypayment = ( builderpayment buildpayment() settimestamp(datetime now() strftime("%y%m%d%h%m%s")) # current timestamp (yyyymmddhhmmss) settxid("ionpaytest8108202509221432005539") # transaction id from registration setreferenceno("reffno20250922143200") # unique order reference setcashtag("") # leave empty if not using cashtag setcardno("5123450000000008") # test card number setcardexpyymm("3901") # card expiry date (yymm) setcardcvv("100") # 3 digit cvv setrecurringtoken("") # leave empty if not recurring setpreauthtoken("") # leave empty if not pre auth setamt("1000") # payment amount build() ) environment = ( builderenvironment buildenvironment() iscloud(false) # set to true if using nicepay cloud isproduction(false) # set to true for production build() ) response = servicenicepay servicepayment( datagenerator getpaymentbody(bodypayment datapayment()), environment ) vanilla js const paymentdata = { cardno "5123450000000008", // test card number cardexpyymm "2901", // card expiry in yymm format cardcvv "100", // 3 digit cvv cardholderemail "customer\@example com", // cardholder email cardholdernm "john doe", // cardholder name callbackurl "https //your domain com/callback", // callback url after payment txid "ionpaytest8108202509221432005539", // transaction id from registration merchanttoken "020c4c90a89a388206d057cffe7c83df2ec1ead78ec17656544e4a58430ab7ea", // secure token recurringtoken "", // leave empty if not recurring }; const response = await nicepay paymenttransaction(paymentdata); laravel $url = httputil getnicepaydomain($this >useprod, $this >usecloud) $this >payment endpoint; // request body parameters $txid = "ionpaytest8108202509221432005539"; $timestamp = carbon now() >format("ymdhis"); // current timestamp (yyyymmddhhmmss) $reference no = "reffno20250922143200"; $amt = "1000"; // generate secure merchant token $merchant token = $this >generatemerchanttoken( $timestamp, $this >imid, $reference no, $amt, $this >mer key ); $param = \[ "timestamp" => $timestamp, // current timestamp "txid" => $txid, // transaction id from registration "merchanttoken" => $merchant token, // secure hash token "cardno" => "5123450000000008", // test card number "cardexpyymm" => "3901", // card expiry date (yymm) "cardcvv" => "100", // 3 digit cvv "callbackurl" => "https //www nicepay co id/ionpay client/paymentresult jsp", // callback url "returnjsonformat"=> "1", // force json response format ]; $response = httputil redirectwithqueryparams($url, $param); php native $config = nicepay builder() >setisproduction(true) // set to false for sandbox/testing >build(); $parameter = card builder() >timestamp($timestamp) // current timestamp (yyyymmddhhmmss) >imid("ionpaytest") // your nicepay imid >txid("ionpaytest8108202509221432005539") // transaction id from registration >referenceno("reffno20250922143200") // unique order reference >merchanttoken( $timestamp, $imid, $newcctrx >getreferenceno(), $newcctrx >getamt(), $this >merchantkey ) // generate secure token >cardno(testconst $card no) // test card number from constants >cardexpyymm(testconst $card exp yymm) // card expiry date (yymm) >cardcvv(testconst $card cvv) // 3 digit cvv >cardholdernm("nicepay test") // cardholder name >callbackurl("https //dev nicepay co id/ionpay client/paymentresult jsp?") // callback url after payment >build(); $cardservice = new v2cardservice($config); $response = $cardservice >payment($parameter); var config nicepay? = nicepay builder() isproduction(true) // set to false for sandbox/testing build() val request directv2requestpaymentcard = directv2requestpaymentcard builder() timestamp("20250922143200") // current timestamp (yyyymmddhhmmss) txid("ionpaytest8108202509221432005539") // transaction id from registration imid("ionpaytest") // your nicepay imid merchantkey(merchant key) // secret merchant key referenceno("reffno20250922143200") // unique order reference number amt("1000") // payment amount callbakurl("https //www nicepay co id/ionpay client/paymentresult jsp") // callback url after payment cardno("5123450000000008") // test card number cardcvv("123") // 3 digit cvv (sample) cardexpyymm("2512") // card expiry date (yymm) build() val response = paymentservice registration(request, config)!! response parameter sample response 	 		 	 		 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 		 	 	 callback handling for full payment & installment payment api credit card after occurs, you will get a from us based on inputted callback url in request on payment api credit card docid\ bliefzuf9etdz7mb9hmgw when your callback already received callbackurl , we recommended to do verification using status inquiry api credit card docid\ fc bkdwkevwf2h9usoc8k callback handling is very important to minimize fraud act, we highly recommend to do verification using callback handling url callback "callbackurl" "https //www merchant com/callbackurl/" response callback { "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" }