Credit Card

Available: authorization and sales

This payment method uses a Hosted Payment Page, meaning YabandPay hosts the checkout process. Consumers enter their card information on the YabandPay checkout page to complete the payment.

Only Visa and Mastercard are accepted.

[!TIP|style:flat]

The pre-authorization is valid for 30 days. After 30 days, the pre-authorization order will automatically expire.

API URL：https://mapi.yabandpay.com/Payments

Method：POST

POST data type：Json

Parameter	Type	Description	Required
user	String	the UID of cashier account	Required
sign	String	signature	Required
method	String	v3.CreateCardPayments	Required
time	Long	timestamp	Required

Parameter

Parameter	Type	Description	Required
pay_method	String	online	Required
sub_pay_method	String	Credit Card	Required
operate	String	1.Sales 2.Authorisation；	Required
order_id	String	order id from Merchant	Required
3ds_initiate	String	01. Enable 3DS verification; 02. Disable 3DS verification	Required
amount	String	format in cents: € 24.99 should be 24.99, the min amount is EUR 1.00	Required
currency	String	ISO 4217, For example EUR, CHF	Required
description	String	order description	Required
demo	String	custom field	Required
timeout	String	value 0 means 1440 minutes	Required
redirect_url	String	the redirect URL after payment is completed	Required
notify_url	String	asynchronous notification url	Required
request_id	String	The request ID must be unique. It is recommended to use a combination of at least 24 digits and letters.	Required

Signature:

Lexicographical sequence and URL key-value format new string

"3ds_initiate=01&amount=1&currency=EUR&description=test&method=v3.CreateCardPayments&notify_url=https://www.yabandpay.com/notify&operate=2&order_id=203040950640690239603690&pay_method=online&redirect_url=https://www.yabandpay.com/redirect_url&request_id=x7f6dketj52aq5809w5t0rjhp56vmwnz&sub_pay_method=Credit Card&time=1720683857&timeout=0&user=016683"

Use stringA and secret_key to get stringSign

Get Signature：

"3a19a99325e175a6d681616be08c2d4f4890578d1ad3602f4f5853a4a606212b"

Example Request:

{
    "user": "016683",
    "sign": "3a19a99325e175a6d681616be08c2d4f4890578d1ad3602f4f5853a4a606212b",
    "method": "v3.CreateCardPayments",
    "time": 1720680417,
    "data": {
        "description": "test",
        "3ds_initiate": "01",
        "timeout": "0",
        "pay_method": "online",
        "sub_pay_method": "Credit Card",
        "operate": "1",
        "order_id": "203040950640690239603690",
        "amount": "1",
        "currency": "EUR",
        "redirect_url": "https://www.yabandpay.com/redirect_url",
        "notify_url": "https://www.yabandpay.com/notify",
        "request_id": "tscqf7ki76o7aem4z1yl1xs72f89fptl"
    }
}

Example Response:

{
    "status": true,
    "code": "200",
    "data": {
        "order_id": "203040950640690239603690",
        "trade_id": "160899f3-f6d9-a8d8-ab5b-82eacdab9c5b",
        "amount": "1.00",
        "currency": "EUR",
        "settlement_currency": "EUR",
        "exchange_rate": "1",
        "url": "https://partner.yabandpay.com/payments/callback/order/MTYwODk5ZjMtZjZkOS1hOGQ4LWFiNWItODJlYWNkYWI5YzVi",
        "state": "processing"
    },
    "message": "",
    "response_id": "202407111544200649155078"
}

More Information:

Return results:

If the payment cancellation succeeds, it returns "status": true.
If the payment cancellation fails, it returns "status": false.

You need to redirect to the returned url. After the user enters their card information and completes the payment at this url, they will be redirected back to the redirect_url. You can also check the order status by calling Query payment or wait for an asynchronous notification. If the order status state is paid, the payment is successful. If the order status state is authorized, the authorisation is successful.

Result/Error codes:

Status	Code	Message
true	200
fales	-1000	internal error
fales	-403	The signature Error
fales	-2001	The user not exist
fales	-3001	Required field is missing
fales	-4118	Incorrect request ID

Payment