Payment Request Using Customer Token

Process a payment using a saved customer token (tokenized card).

Endpoint Information

Name: Payment Request Using Customer Token
Method: POST
URL: {{BASE_URL}}/api/v1/payment/request

Description

This endpoint allows you to charge a returning customer using their saved payment method (token) without requiring them to re-enter card details.

Authentication

Type: Basic Auth

• Username: App Key
• Password: Secret Key

Request Body

Content-Type: application/json

{
  "customerToken": "f0a8c83a1d4457b840b4376b9657b48e",
  "reference": "1XYOCJXEBFQ6",
  "merchantAccountId": "{{your_account_no}}",
  "currency": "USD",
  "amount": "25",
  "ttl": "10",
  "tagName": "XYOCJXEBF",
  "webhookUrl": "https://webhook.site/c31acfce-9887-4b29-b2f2-8aad83139c8c"
}

Key Parameters

Parameter	Type	Required	Description
customerToken	string	Yes	The saved customer token representing the card
reference	string	Yes	Unique transaction reference
merchantAccountId	string	Yes	Your merchant account ID
amount	string	Yes	Payment amount
currency	string	Yes	Currency code (ISO 4217, e.g., USD)
ttl	string	No	Time to live in minutes (default: 15)
tagName	string	No	Optional tag for tracking
webhookUrl	string	No	Optional URL for IPN notifications

Response

Success Response Example

{
"success": true,
"message": "Payment Request Accepted",
"data": {
  "payment_url": "https://sgw.paymid.com/secure-checkout/ab886b31-88bd-46fe-bec6-75f6b44f941b",
  "reference": "1XYOCJXEBFQ6"
}
}

Usage

1. Obtain Token: Get the customerToken from a previous successful payment or customer registration.
2. Make Request: Send this request with the token.
3. Redirect: Redirect the user to the payment_url (usually for 3DS verification if required, or instant success).

Example Screenshot

Related Endpoints

• Add Customer - Create a customer to get a token
• Remove Customer Token - Delete a saved token