Payments without a payment form
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This scenario describes how bank card payments are accepted and processed by services having the technical capacity to collect and store card details on their side.
A payment with delayed capture will be soon described separately. You can skip this step.
Step 1. Create a payment session
Send a request for session creation (session/create). You will receive the payment session identifier in response. You can perform several actions within a single session: for example, you can accept and then refund a payment.
Request headers should be used to pass your project identifier and the request's signature.
Request example: session creation
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cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/create \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: 721af394d5a7aefd0e91f5390abc4d7e20fb2b5784b091fef621f3c61b7abb4b' \
-d '{
"amount_details": {
"amount": 10000,
"currency": "usd"
},
"metadata": "order123"
}'
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Step 2. Initiate a payment
Send a request to perform a payment using the session/start/payment method (this method works if a session has been created). In the session_id parameter, pass the identifier of the session created in step 1. In the payment_details.type field, specify card. In the card object, transmit user's bank card details.
Request example
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cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/start \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: e05794ee22f47ee5f674e63303ea227e6113f42359f332945304f1e958542fff' \
-d '{
"session_id": "3230",
"payment_details": {
"type": "card",
"card": {
"number": "4242424242424242",
"expiration_month":"12",
"expiration_year":"22",
"security_code":"123",
"cardholder_name":"John Doe"
}
},
"customer": {
"reference": "lucky"
},
"metadata": "good"
}'
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Step 3. Wait for notification that Smart Glocal is ready to perform the payment
Smart Glocal will send you a ready_to_confirm webhook. This means that the payment can be performed and Smart Glocal is waiting for you to confirm (or cancel).
The webhook body will contain all the data needed for the payment, which you need to check.
You then reply with the 200 HTTP code.
Webhook example
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cURL
curl -X POST \
https://partner.com \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-SIGN: a4f1698616d6ad7b8b73a9d72d281eeb443b64dee3f38df430eeed6aa29e1dc' \
-d '{
"type": "ready_to_confirm",
"session": {
"id": "ps_3230",
"status": "in_progress",
"created_at": "2024-05-27T02:03:00.000000Z",
"updated_at": "2024-05-27T02:03:00.000000Z",
"acquiring_payments": [
{
"id": "pm_2018",
"status": "pending",
"created_at": "2024-05-27T02:03:00.000000Z",
"customer": {
"reference": "user123",
"contacts": [
{
"email": "user@gmail.com"
}
]
},
"payment_details": {
"type": "card",
"card": {
"last4": "4242",
"brand": "visa"
}
},
"amount_details": {
"amount": 10000,
"currency": "usd"
},
"metadata": "good"
}
]
}
}'
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Step 4. Confirm or cancel the payment
Check the payment details and confirm that you are ready to perform the payment (sending a session/confirm request) or cancel it (sending a session/cancel request).
Request example
DOCUSAURUS_CODE_TABS
cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/confirm \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: 6eaf1e9cfa15f011e02c0a126187fe327a71e9d79be5e3fdb3f69dc5dfcd9872' \
-d '{
"session_id": "3230"
}'
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Request example: session/cancel
DOCUSAURUS_CODE_TABS
cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/cancel \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: 6eaf1e9cfa15f011e02c0a126187fe327a71e9d79be5e3fdb3f69dc5dfcd9872' \
-d '{
"session_id": "3230"
}'
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Step 5. Lead the user through 3D Secure
If the user's card requires 3D Secure, Smart Glocal will send you an action_required webhook with redirection details. Redirect the user to the address that will be specified in the customer_interaction.redirect.url field.
Webhook example
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cURL
curl -X POST \
https://partner.com \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-SIGN: a4f1698616d6ad7b8b73a9d72d281eeb443b64dee3f38df430eeed6aa29e1dc' \
-d '{
"type": "action_required",
"session": {
"id": "ps_3230",
"status": "in_progress",
"created_at": "2024-05-27T02:03:00.000000Z",
"updated_at": "2024-05-27T02:03:00.000000Z",
"acquiring_payments": [{
"id": "pm_2018",
"status": "pending",
"created_at": "2024-05-27T02:03:00.000000Z",
"customer": {
"reference":"user@SG.com"
},
"payment_details": {
"type": "card",
"card": {
"brand": "visa",
"last4": "8801"
}
},
"amount_details": {
"amount": 15000,
"currency": "usd"
},
"customer_interaction": {
"type": "redirect",
"redirect": {
"url": "https://website.com?foo=bar",
"base_url": "https://website.com"
"method": "POST",
"qs": {
"foo": "bar"
},
"params": {
"paReq": "sdfew^//asdhbv",
"MD": "abc75daefnn"
}
}
}
}]
}
}
}'
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Step 6. Wait for a ready_to_capture webhook
Through the ready_to_capture webhook, Smart Glocal informs you that the payment amount has successfully been put on hold on the user's bank card.
Webhook example
DOCUSAURUS_CODE_TABS
cURL
curl -X POST \
https://partner.com \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-SIGN: a4f1698616d6ad7b8b73a9d72d281eeb443b64dee3f38df430eeed6aa29e1dc' \
-d '{
"type": "ready_to_capture",
"session": {
"id": "ps_3230",
"status": "in_progress",
"created_at": "2024-05-27T02:03:00.000000Z",
"updated_at": "2024-05-27T02:03:00.000000Z",
"acquiring_payments": [
{
"id": "pm_2018",
"status": "pending",
"created_at": "2024-05-27T02:03:00.000000Z",
"customer": {
"reference": "user123",
"contacts": [
{
"email": "user@gmail.com"
}
]
},
"payment_details": {
"type": "card",
"card": {
"last4": "4242",
"brand": "visa"
}
},
"amount_details": {
"amount": 10000,
"currency": "usd"
},
"metadata": "good"
}
]
}
}'
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Step 7. Proceed with debiting, or cancel
Debit the amount put on hold (session/capture) or cancel the capture (session/cancel).
Request example: capture_request
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cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/capture \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: 6eaf1e9cfa15f011e02c0a126187fe327a71e9d79be5e3fdb3f69dc5dfcd9872' \
-d '{
"session_id": "3230"
}'
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Request example: cancel_request
DOCUSAURUS_CODE_TABS
cURL
curl -X POST \
https://demo.smart-glocal.com/api/v1/session/cancel \
-H 'Content-Type: application/json' \
-H 'X-PARTNER-PROJECT: your_project_name' \
-H 'X-PARTNER-SIGN: 6eaf1e9cfa15f011e02c0a126187fe327a71e9d79be5e3fdb3f69dc5dfcd9872' \
-d '{
"session_id": "3230"
}'
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Step 8. Learn the payment result
Wait for a payment_finished webhook or request the payment status using the session/status method.
The result of the payment can be found in the payment.status field.
If the status is succeeded, then the payment has been successful. If the status is failed, then the payment has not been completed because of an error.