Card Payments

Overview

Create direct charges when customers transact directly with a connected account, often unaware of your platform’s existence. With direct charges:

The payment appears as a charge on the connected account, not your platform’s account.
The connected account’s balance increases with every charge.
Your account balance increases with application fees from every charge.

This charge type is best suited for platforms providing software as a service. For example, Shopify provides tools for building online storefronts, and Thinkific enables educators to sell online courses.

Begin You start

Sign up the Metaprise developer devhub platform to get your unique Client ID and API key.
Obtain your access token by authenticating to Metaprise using your unique Client ID and API key. You will need the access token to make API calls.
Set up webhooks to receive notifications on Payment events.

Create a Payment

Use create a payment API to create a direct charge.

Example request

curl --request POST \
     --url https://www.sandbox-checkout.imerchant.online/gateway/payapi \
     --header 'accept: application/json' \
     --header 'content-type: application/x-www-form-urlencoded' \
     --data bid=py_live_0I9fPdXQWhzZPurCVe8y2AHX \
     --data out_trade_no=test_123456338 \
     --data amount=999 \
     --data currency=USD \
     --data spbill_create_ip=192.168.1.59 \
     --data [email protected] \
     --data body=test_product \
     --data 'card=Rlf5b/ObS91Z1KzT2fEz2Llv7m5RQyTyiJBLbLbvkfO0YloBKnAdvYunDxVfUs4TXVbbnMvoajS/Ako/bKCoheQUMpxt+3TgJMWaaS018ZKp2wLgo14sBq+hNMEg7j55KwDS3CEBlOVp8Mg3KnGIn0oD+UwxlQSrSWXg4pvkM22VY+TUXbH7WhbhFiBvluKWk2DmOASsm6yvr1FaFIcEwzRlf7yKLS6kpmFk7UPczzR+jzqEQFnoklAQoahH59H62DMWcpudy5aauSwzj7YC8+kHvgI53ADfKtmzMyycs7WD9nE/2nPCxcmVeSXC/HEBXFbHiP371819j6ozXbgpX1JmBshNRIGk+RcYFrVNxeo=' \
     --data shipping=eyJmaXJzdF9uYW1lIjoiZHNnZXJnIiwibGFzdF9uYW1lIjoiZWVyZXJnZXIiLCJwaG9uZSI6IjEzNDYwMjU5OTI4IiwibGluZTEiOiJhZGRyZXNzX2xpbmUxICIsImxpbmUyIjoiYWRkcmVzc19saW5lMiIsImNpdHkiOiJuZXcgeW9yayIsInN0YXRlIjoibmV3IHlvcmsiLCJjb3VudHJ5X2NvZGUiOiJ1cyIsInBvc3RhbF9jb2RlIjoiMTAwMjIifQ== \
     --data item=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 \
     --data phone=18600000000 \
     --data tax=100 \
     --data shipping_charge=500 \
     --data pay_source_site=www.iMerchant.com \
     --data sign=B4E23E35216796249FDD204F212B737F

Example rsponse

{
  "result": "success",
  "bid": "py_live_0I9fPdXQWhzZPurCVe8y2AHX",
  "out_trade_no": "test_123456333",
  "currency": "USD",
  "transaction_id": "39092021311169761620802577",
  "amount": "999"
}

Refund

Use create a payment API to create a refund.

Example request

curl --request POST \
     --url https://www.sandbox-checkout.imerchant.online/gateway/refund \
     --header 'accept: application/json' \
     --header 'content-type: application/x-www-form-urlencoded' \
     --data amount=999 \
     --data bid=py_live_0I9fPdXQWhzZPurCVe8y2AHX \
     --data refund_mchid=test_123456337 \
     --data transaction_id=36562021311169761620803404 \
     --data sign=98DD29639D2EE571C2CE2EA358446E81

Example rsponse

{
  "result": "success",
  "transaction_id": "36562021311169761620803404",
  "attch_id": "fcce672dde4812de76dd649c8cc7dec7",
  "sign": "F2E896EB74737D6DED60F776710BDCCE"
}