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Create a payment token

Before you use either the Palladium payment widget or the hosted payment page, you should create a payment token.

Request

Send a POST request to https://checkout.pall-psp.com/ctp/api/checkouts.

The request must:
object
transaction_type
required
 string
Type of transaction or request that will be sent to gateway. Applicable values are authorization, payment, tokenization, and charge (for the charge request).
attempts
 integer
Number of payment attempts. The default is 1.
dynamic_billing_descriptor
 string
Dynamic billing descriptor.
test
 boolean
Set to true for a test transaction. Otherwise, false (default).
iframe
 boolean
When the value is true, if possible, open transitions to external services inside the widget. By default, set as false.
required
 object
amount
required
 integer
Payment amount in minimal currency units, for example, $32.45 must be sent as 3245.
currency
required
 string
Transaction currency in the ISO-4217 alpha-3 code format. For example, USD.
description
required
 string
Order description.
tracking_id
 string
ID of your transaction or order. Please, use unique values for each transaction.
expired_at
 string
Date and time till a payment can be done. By default, a payment must be done within 24 hours upon a payment token creation. Format (ISO 8601): YYYY-MM-DDThh:mm:ssTZD, where YYYY – year (for example, 2019), MM – month (for example, 02), DD – day (for example, 09), hh – hours (for example, 18), mm – minutes (for example, 20), ss – seconds (for example, 45), TZD – time zone (+hh:mm или –hh:mm).
object
Section of additional information about the payment.
expected_bank_code
 string
If this field contains a processing error, it will be sent as the value of the code parameter in the response. The parameters message and friendly_message will have the values corresponding to the specified error code. This logic applies only to test transactions.
receipt_text
 array
Text that will be added to the customer's mail and will be showed on success result page. Submit it as an array of strings, for example, ["First line", "Second line"].
contract
 array Array that consists of elements:

recurring - Palladium returns a card token to use it for subsequent payments when the customer has no need to enter card data again. As for the initial payment, the customer should provide full card data including a CVC/CVV code, pass the 3-D Secure verification, and give consent to be charged regularly.

oneclick - Palladium returns a card token to use it in the one-click payment scheme. Palladium opens a payment page with pre-filled card data to the customer. To complete a payment, the customer has to enter a CVC/CVV code and to pass the 3-D Secure verification;

credit - Palladium returns a card token to use it for a payout transaction;

card_on_file - Palladium returns a card token to save it to a customer profile and to use the token in time-to-time charges initiated by the customer or by your application. See card_on_file section below to understand what cases the contract type covers.
avs_cvc_verification
 object
AVS/CVC verification.
object
It sets flags submitted to a payment network why and what you charged a previously saved card for. If no submitted default values of initiator and type are in use.
initiator
 string
merchant - (default) merchant initiated a card charge (for instance, for a car ride service).

customer - customer initiated a card charge (for instance, customer confirmed and order and wanted to pay by a saved card).
type
 string
Used only in case additional_data.card_on_file.initiator is merchant.

delayed_charge - (default) delayed charge posted to a card

increment - merchant wants to charge additional amount above initially paid order (for instance, in case of upsale)

resubmission - merchant wants to resubmit a transaction due to fail with a previous charge (for instance, no money on a card)

reauthorization - merchant wants to refresh previously authorized amount (for instance, to continue to hold a money reserve on a card for future charges)

no_show - merchant wants to charge a card when customer didn't come (for instance, no visit to a hotel)
object
auto_pay
 boolean
By default false. If true and the request contains payment_method.credit_card.token, the response will contain a link to the checkout page. Opening the link will automatically trigger the transaction that will run using the provided token. As a result, the customer will be redirected to suсcess_url, decline_url, fail_url or return_url depending on the transaction result and the URLs provided in the request. The webhook notification with the transaction status will be posted to the notification_url.
style
 object
Section for customizing the design of the payment widget.
object
Section for configuring the toggle shown on the payment widget. The toggle enables the option to save card data for future payments.
display
 boolean
If the parameter is true, the save card toggle should be displayed. This parameter has greater priority, than Display save card toggle on payment page parameter in shop settings in the Merchant back office.

By default, set to true.
customer_contract
 boolean
true - the toggle stands for the customer's consent to provide the merchant with the customer's card data for subsequent payments.
When the toggle is on, the system creates the card token and sends it out to the merchant.
Otherwise, the card token is not provided.

false - the toggle stands for the customer's consent to get the card data saved on the payment page.
When the toggle is on, the system will autocomplete the card data for subsequent payments in the merchant's shop.
Otherwise, the card data are not saved.

By default, false.
text
 string
The parameter replaces the standard toggle name Save card to any Merchant text.
hint
 string
Hint text, described why the save card option is needed.
object
Section for configuring the another card toggle.
display
 boolean
If the parameter is true, the toggle Рay with another card will be displayed on the widget.

This parameter has greater priority, than Hide another card toggle on payment page parameter in shop settings in the Merchant back office.

By default, set to true.
return_url
 string
URL to return the customer after transaction was complete. If set, then both success_url and decline_url are ignored.
success_url
 string
URL to return the customer to if a transaction was successful.
decline_url
 string
URL to return the customer to if a transaction was declined by bank.
fail_url
 string
URL to return the customer to if a transaction failed (due to an error, exception, etc.). You can query its status using the payment token and review response status and message parameters to evaluate why the transaction failed.
cancel_url
 string
URL to return the customer to if the customer cancels a transaction.
notification_url
 string
URL where notification about a transaction will be posted to. A notification request format is similar to a transaction response format.
verification_url
 string
auto_return
 string
After a transaction completes, Palladium shows a transaction result page for specified number of seconds and then automatically returns the customer to one of your return URLs. If the parameter value is 0, then the customer will be automatically redirected without showing Palladium transaction result page.
button_next_text
 string
Customize the payment result page button text.
language
 string
Checkout page locale. English (en) is set by default. Possible values of language parameter.
object
It controls the input fields for the customer details shown at the payment widget.
read_only
 array
Array which may consist of the values email, first_name, last_name, address, city, state, zip, phone, country, birth_date, taxpayer_id.
Fields for the customer's data indicated in the array will be disabled at the payment widget.
If email exists in the array then it must present in the customer section below, and it can't be empty.
visible
 array
Array which may consist of the values email, first_name, last_name, address, city, state, zip, phone, country and birth_date, taxpayer_id.
Fields for the customer's data indicated in the array will be displayed at the payment widget.
object
It controls the automatic filling of the cardholder name on the payment widget.
holder
 string
Cardholder name for automatic filling on the payment widget.
read_only
 array
Array which may consist only holder value. Blocks editing of the selected field.
conditionally required
 object
Section of the customer information.
Contact the Tech Support Team to inquire what section parameters are required.
email
 string
The customer's email.
first_name
 string
The customer's first name.
last_name
 string
The customer's last name.
address
 string
The customer's billing address.
city
 string
The customer's billing city.
state
 string
The customer's two-letter billing state only if the billing address country is IN, US or CA.
zip
 string
The customer's billing ZIP or postal code.
country
 string
The customer's billing country in ISO 3166-1 alpha-2 format.
phone
 string
The customer's phone number.
birth_date
 string
The customer's date of birth in the ISO 8601 YYYY-MM-DD format.
taxpayer_id
 string
The customer's taxpayer ID.
object
Section to set payment methods available to the customer and their parameters. By default, all enabled payment methods are available.
types
 array
Array of the available and enabled payment methods displayed to the customer on the payment page. Possible values:

credit_card - a bank card payment

For other possible array values, see the value of the type parameter in the section of alternative payment methods.

If the listed payment method requires additional parameter settings, then create an object with the key name set as the type of the payment method and internal parameters set as described in the alternative payment methods section.

For example, for a payment method with the apm type and the channel parameter, add the following object:
"apm": { "channel": "ONLINE" }`.

Note! Apple Pay, Google Pay and Samsung Pay are displayed on the widget depending on the customer's device and browser types. See more here.
excluded_types
 array
Array of the payment types that will be excluded from the available payment methods on the payment page. If both payment_method.types and payment_method.excluded_types are sent in the request, the information from payment_method.types will be applied and payment_method.excluded_types will be ignored.
excluded_brands
 array
Array of card brands and digital wallets (apple_pay, google_pay, samsung_pay) that will not be displayed on the widget and will not be available to use for the transaction, even if they are available on the gateway.
object
token
 string
Card token. The tokenized data will be displayed on the payment page.
travel
 object
An optional section with travel related data.
Request example 
{
  "checkout": {
    "test": true,
    "transaction_type": "payment",
    "attempts": 3,
    "settings": {
      "return_url": "http://127.0.0.1:4567/return",
      "success_url": "http://127.0.0.1:4567/success",
      "decline_url": "http://127.0.0.1:4567/decline",
      "fail_url": "http://127.0.0.1:4567/fail",
      "cancel_url": "http://127.0.0.1:4567/cancel",
      "notification_url": "http://your_shop.com/notification",          
      "button_next_text": "Back to the shop",
      "language": "en",
      "customer_fields" : {
        "visible" : ["first_name", "last_name"],
        "read_only" : ["email"]
      },
      "credit_card_fields": {
        "holder": "Rick Astley",
        "read_only": ["holder"]
      }
    },
    "payment_method": {
        "types": [
            "credit_card",
            "bank_transfer"
        ],
        "bank_transfer": {
            "account": "DE89370400440532013000"

        },
        "excluded_brands": [
            "visa",
            "google_pay"
        ]
    },
    "order": {
      "currency": "GBP",
      "amount": 4299,
      "description": "Order description"
    },
    "customer": {
      "address": "Baker street 221b",
      "country": "GB",
      "city": "London",
      "email": "jake@example.com"
    }
  }
}
Request example with additional receipt text and without redirect to result page 
{
  "checkout": {
    "test": true,
    "transaction_type": "payment",
    "attempts": 3,
    "settings": {
      "return_url": "http://127.0.0.1:4567/return",
      "success_url": "http://127.0.0.1:4567/success",
      "decline_url": "http://127.0.0.1:4567/decline",
      "fail_url": "http://127.0.0.1:4567/fail",
      "cancel_url": "http://127.0.0.1:4567/cancel",
      "notification_url": "http://your_shop.com/notification",
      "auto_return": 0,
      "language": "en",
      "customer_fields" : {
        "visible" : ["first_name", "last_name"],
        "read_only" : ["email"]
      }
    },
    "order": {
      "currency": "GBP",
      "amount": 4299,
      "description": "Order description",
      "additional_data": {
        "receipt_text": ["First line", "Second line"]
      }
    },
    "customer": {
      "address": "Baker street 221b",
      "country": "GB",
      "city": "London",
      "email": "jake@example.com"
    }
  }
}
Request example with information about the sale of tickets and tour vouchers 
{
  "checkout": {
    "test": true,
    "transaction_type": "payment",
    "attempts": 3,
    "settings": {
      "return_url": "http://127.0.0.1:4567/return",
      "success_url": "http://127.0.0.1:4567/success",
      "decline_url": "http://127.0.0.1:4567/decline",
      "fail_url": "http://127.0.0.1:4567/fail",
      "cancel_url": "http://127.0.0.1:4567/cancel",
      "notification_url": "http://your_shop.com/notification",
      "auto_return": 3,          
      "button_next_text": "Back to the shop",
      "language": "en",
      "customer_fields" : {
        "visible" : ["first_name", "last_name"],
        "read_only" : ["email"]
      }
    },
    "order": {
      "currency": "GBP",
      "amount": 4299,
      "description": "Order description"
    },
    "customer": {
      "address": "Baker street 221b",
      "country": "GB",
      "city": "London",
      "email": "jake@example.com"
    },
    "travel": {
      "airline": {
        "agency_code": "03",
        "agency_name": "Corel travel",
        "ticket_number": "390 5241 025377 1",
        "booking_number": "DKZVUA",
        "restricted_ticked_indicator": "0",
        "legs": [
          {
            "airline_code": "B2",
            "stop_over_code": "X",
            "flight_number": "A3 971",
            "departure_date_time": "2014-05-26T05:15:00",
            "arrival_date_time": "2014-05-26T07:30:00",
            "originating_country": "RU",
            "originating_city": "Moscow",
            "originating_airport_code": "DME",
            "destination_country": "Greece",
            "destination_city": "Athens",
            "destination_airport_code": "ATH",
            "coupon": "coupon code",
            "class": "C"
          }
        ],
        "passengers":[
          {
            "first_name": "KONSTANTIN",
            "last_name": "IVANOV"
          },
          {
            "first_name": "JULIA",
            "last_name": "IVANOVA"
          }
        ]
      }
    }
  }
}
Request example with auto_pay: true 
{
  "checkout": {
    "test": true,
    "transaction_type": "payment",
    "attempts": 3,    
    "iframe": true,
    "settings": {
      "return_url": "https://return-url",
      "auto_pay": true,
      "language": "en"
    },
    "payment_method": {
      "types": [
        "credit_card"
      ],
      "credit_card": {
        "token": "13dded21-ed69-4590-8bcb-db522a89735c"
      }
    },
    "order": {
      "currency": "USD",
      "amount": 700,
      "description": "auto payment"
    },
    "customer": {
      "first_name": "John",
      "last_name": "Doe"
    }
  }
}
Response

In the transaction section response parameters replicate request parameters except the additional one:
object
token
required
 string
A payment token.
redirect_url
required
 string
An URL of the payment widget where the customer can pay for the order related with the issued payment token.
Response example 
{
  "checkout":
  {
    "token": "3241e439f8c87d941d92621a4bdc030d4c9a69c67f3b0cfe12de4a13cc34aa51",
    "redirect_url": "https://checkout.pall-psp.com/v2/checkout?token=3241e439f8c87d941d92621a4bdc030d4c9a69c67f3b0cfe12de4a13cc34aa51"
  }
}
Error response example 
{
    "errors": {
        "checkout": {
            "settings": {
                "fail_url": [
                    "is in invalid format"
                ]
            },
            "payment_method": {
                "types": [
                    "must be an array"
                ]
            }
        }
    },
    "message": "fail_url is in invalid format, types must be an array"
}