Skip to main content
POST
/
payments
/
s2s
/
charge-raw-card
cURL
curl --request POST \
  --url https://api.xpaycheckout.com/payments/s2s/charge-raw-card \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '{
  "customerDetails": {
    "name": "John Doe",
    "email": "john.doe@example.com",
    "contactNumber": "+919123456789",
    "customerAddress": {
      "country": "US",
      "postalCode": "2424"
    }
  },
  "amount": 2000,
  "currency": "USD",
  "receiptId": "order123",
  "cardDetails": {
    "cardNumber": "4000002500000003",
    "expiryMonth": 1,
    "expiryYear": 28,
    "cvv": "123"
  },
  "offSession": "false",
  "callbackUrl": "https://example.com/callback",
  "metadata": {
    "orderId": "12345",
    "customerNote": "Deliver after 5 PM"
  }
}'
{
  "status": "SUCCESS",
  "intentId": "in_gKAqR0DjLeOihdTE"
}
Charge a customer’s card directly from your servers without presenting the checkout.
  • Use this endpoint when you already gathered card details and consent within your PCI DSS compliant environment
  • You must obtain explicit approval from hello@xpaycheckout.com before using this API

Authorizations

​
Authorization
string
header
required

Basic authentication header of the form Basic <encoded-value>, where <encoded-value> is the base64-encoded string username:password.

Body

application/json
​
customerDetails
object
required
​
amount
integer
required

The amount in lowest count unit. e.g.: For USD 1, amount is 100 representing 100 cents (The minimum amount should be greater than 1 USD)

Example:

2000

​
currency
string
required

Three letter abbreviation of the currency. Refer supported currencies

Example:

"USD"

​
cardDetails
object
required

Payment card information collected by you

​
callbackUrl
string
required

URL that the customer will be redirected to once the payment is processed in case 3ds authentication is required.

Example:

"https://example.com/callback"

​
receiptId
string

Your identifier for the order

Example:

"order123"

​
offSession
boolean
default:false

Indicates if the payment is being processed in a different session than the one where the card details were collected.

Example:

"false"

​
metadata
object

A collection of key-value pairs that can be attached to an object for storing additional structured information. This is useful for capturing custom data or context-specific attributes.

Constraints:

  • Maximum of 50 key-value pairs allowed.
  • Each key must be no longer than 40 characters.
  • Each value must be a string and cannot exceed 500 characters.
Example:
{
  "orderId": "12345",
  "customerNote": "Deliver after 5 PM"
}

Response

Charge raw card response

​
status
enum<string>
required

Current state of the charge attempt.

Available options:
CREATED,
SUCCESS,
FAILED
Example:

"SUCCESS"

​
intentId
string
required

Identifier of the payment intent created for this charge.

Example:

"in_gKAqR0DjLeOihdTE"

​
nextActionRedirectionURL
string

URL to redirect your customer to xpay's secure link to complete any pending 3DS or next action steps. Present only when additional authentication is required.

Example:

"https://pay.xpaycheckout.com/?id=67f53a6e2097773e4f0112c8"

​
errorCode
string

Machine readable failure reason when status is FAILED. See all possible values here.

Example:

"insufficient_funds"