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There are two modes for credit card integration:
Simple Purchase
Recurring Purchase
# Sign generate and check
# Request and response format
All request and response are in JSON format.The response body is also in JSON format. It should not be treated as fixed or as a schema, new fields may be added as the API evolves, and the order of fields might change. Your applications must therefore be resilient to the reordering of fields within a JSON object.
# Sending request demo code
Credit Card 37
# Simple purchase
User input card info and purchase once, users will be prompted to input card info each time when they purchase.
# Sequence
1, Call cc_purchase and redirect to redirectUrl to let user input credit card info;
2, After purchase, will redirect to returnUrl;
3, If the transaction is successful, IOTPay will notify to notifyUrl;
# Request URL for simple purchase
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchase
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchOrderNo | y | String(30) | 1234567890abc | assigned by merchant |
| mchUserId | y | String(30) | 007 | assigned by merchant |
| amount | y | Int | 1500 | in cents |
| currency | y | String(3) | CAD | for now only CAD supported |
| loginName | y | String(12) | jack123 | merchant's login name |
| subject | n | String(64) | ||
| body | n | String(250) | ||
| channel | y | String | PF_CC | fixed value: PF_CC |
| notifyUrl | y | String(200) | get notify when success | |
| returnUrl | y | String(200) | redirect to this url after payment | |
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData.redirectUrl | y | String | if retCode=SUCCESS, merchant redirect to this url | |
| retData.secureId | y | String | For SDK integration only |
# NotifyUrl message(post request in json format)
| name | required | type | sample | description |
|---|---|---|---|---|
| payOrderId | y | String | SUCCESS or FAIL | |
| mchId | y | String | ||
| mchOrderNo | y | String | ||
| originalOrderId | y | String | original pay order id if payType=refund | |
| amount | y | Int | 100 | in cents |
| currency | y | String | CAD | |
| payType | y | String | pay or refund | |
| refundable | y | Int | 100 | in cents |
| status | y | Int | 2 | 2 or 3 means success |
| invoiceNum | y | String | ||
| paySuccTime | y | String | 2021-04-07 19:44:51 | |
| cardNum | y | String | 432567******2266 | |
| cardType | y | String | V or M | |
| expiryDate | y | String | ||
| authNum | y | String | ||
| transNum | y | String | ||
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# ReturnUrl parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | n | String | ||
| status | y | Int | 2 | 2 or 3 both mean the transaction is successful |
# Recurring purchase
User input card info once, can purchase with the tokenized card multiple times.
# Sequence
1, Call cc_addcard and then redirect to retData.redirectUrl to let user input credit card info;
2, After addcard, will redirect to returnUrl with the following parameters:
If success: retCode=SUCCESS
If fail: retCode=FAIL&retMsg=xxxx
3, (optional) Call cc_querycard to get card info;
4, If cc_addcard is successful, call cc_purchasewithtoken to do a real purchase
# Request URL for cc_addcard
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_addcard
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| cardId | y | String(30) | 604567999 | assigned by merchant,must be unique |
| loginName | y | String(12) | jack123 | merchant's login name |
| channel | y | String | PF_CC | fixed value: PF_CC |
| returnUrl | y | String(200) | redirect to this url after payment | |
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
each cardId can bind only one credit card, if one user need to bind more cards, use different cardId
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData.redirectUrl | y | String | if retCode=SUCCESS, merchant redirect to this url | |
| retData.secureId | y | String | used for sdk integration |
# ReturnUrl parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | n | String |
# Request URL for cc_directaddcard
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_directaddcard
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
As an IOTPAY client or partner using this method of integration, your solution must demonstrate compliance to the Payment Card Industry Data Security Standard (PCI DSS) .
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| cardId | y | String(30) | 604567999 | assigned by merchant |
| cardNum | y | String | 4223456789564532 | card number |
| expiryDate | n | String | 0725 | |
| holder | y | String | card holder's name | |
| cvv | y | String | 786 | |
| loginName | y | String(12) | jack123 | merchant's login name |
| channel | y | String | PF_CC | fixed value: PF_CC |
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, card info returned |
# retData contains card infomation:
| name | required | type | sample | description |
|---|---|---|---|---|
| cardId | y | String | ||
| cardNum | y | String | ||
| expiryDate | n | String | ||
| holder | y | String | ||
| cvv | y | String |
# Request URL for cc_querycard
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_querycard
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| cardId | y | String(30) | 604567999 | assigned by merchant |
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, card info returned |
# retData contains card infomation:
| name | required | type | sample | description |
|---|---|---|---|---|
| cardId | y | String | ||
| cardNum | y | String | ||
| expiryDate | y | String | ||
| holder | y | String | ||
| cvv | y | String |
# Request URL for purchasewithtoken
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchasewithtoken
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchOrderNo | y | String(30) | 1234567890abc | assigned by merchant |
| mchUserId | y | String(30) | 007 | assigned by merchant |
| cardId | y | String(30) | 604567999 | assigned by merchant |
| amount | y | Int | 1500 | in cents |
| currency | y | String(3) | CAD | for now only CAD supported |
| loginName | y | String(12) | jack123 | merchant's login name |
| subject | n | String(64) | ||
| body | n | String(250) | ||
| clientIp | n | String(50) | 192.77.33.56 | consumer's ip address, for better transaction trace |
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, order detailed info returned |
# retData contains order infomation:
| name | required | type | sample | description |
|---|---|---|---|---|
| payOrderId | y | String | SUCCESS or FAIL | |
| mchId | y | String | ||
| mchOrderNo | n | String | ||
| originalOrderId | y | String | original pay order id if payType=refund | |
| amount | y | Int | 100 | in cents |
| currency | y | String | CAD | |
| payType | y | String | pay or refund | |
| refundable | y | Int | 100 | in cents |
| status | y | Int | 2 | 2 or 3 means success |
| invoiceNum | y | String | ||
| paySuccTime | y | String | 2021-04-07 19:44:51 | |
| cardNum | y | String | 432567******2266 | |
| cardType | y | String | V or M | |
| expiryDate | y | String | ||
| authNum | y | String | ||
| transNum | y | String | ||
| channel | y | String | PF_CC | fixed value:PF_CC |
# Purchase with wallet
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchasewithwallet
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# This API is for Apple Pay and Google Pay, contact us before integrating this API.
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchOrderNo | y | String(30) | 1234567890abc | assigned by merchant |
| amount | y | Int | 1500 | in cents |
| currency | y | String(3) | CAD | for now only CAD supported |
| walletType | n | String(250) | “ApplePay” for ApplePay, “GooglePay” for Google Pay | |
| walletData | n | String(250) | The OEM Wallet data is generated by the mobile device authorized wallet | |
| loginName | y | String(12) | jack123 | merchant's login name |
| subject | n | String(64) | ||
| body | n | String(250) | ||
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
walletData must be base64encoded. For ApplePay, you must send the Apple payment token as received by the passkit.For Google Pay, you must send the payment token (paymentData.paymentMethodData.tokenizationData.token) as received by Google Pay API.
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, order detailed info returned |
# retData contains order infomation:
| name | required | type | sample | description |
|---|---|---|---|---|
| payOrderId | y | String | SUCCESS or FAIL | |
| mchId | y | String | ||
| mchOrderNo | n | String | ||
| originalOrderId | y | String | original pay order id if payType=refund | |
| amount | y | Int | 100 | in cents |
| currency | y | String | CAD | |
| payType | y | String | pay or refund | |
| refundable | y | Int | 100 | in cents |
| status | y | Int | 2 | 2 or 3 means success |
| invoiceNum | y | String | ||
| paySuccTime | y | String | 2021-04-07 19:44:51 | |
| cardNum | y | String | 432567******2266 | |
| cardType | y | String | V or M | |
| expiryDate | y | String | ||
| authNum | y | String | ||
| transNum | y | String | ||
| channel | y | String | PF_CC | fixed value:PF_CC |
# Refund a transaction
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_refund
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchRefundNo | y | String(30) | R1234567890abc | assigned by merchant |
| loginName | y | String(12) | jack_chen | assigned by merchant,equals to jobNo |
| refundAmount | y | Int | 100 | in cents |
| payOrderId | y | String(30) | ||
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, order detailed info returned |
# Void a transaction
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_void
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
Credit Card V3 Download
# Parameters
Credit Card Validator
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchRefundNo | y | String(30) | R1234567890abc | assigned by merchant |
| loginName | y | String(12) | jack_chen | assigned by merchant,equals to jobNo |
| payOrderId | y | String(30) | ||
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
# Response
Credit Card Vendor
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, order detailed info returned |
# Query order
Endpoint: https://ccapi.iotpaycloud.com/v3/cc_query
Reqeust method:
- POST
- Content-Type: application/json;charset=UTF-8
# Parameters
| name | required | type | sample | description |
|---|---|---|---|---|
| mchId | y | String(30) | 10000701 | assigned by IOTPay |
| mchOrderNo | y | String(30) | 1234567890abc | assigned by merchant |
| payOrderId | y | String(30) | ||
| sign | y | String(32) | C380BEC2BFD727A4B6845133519F3AD6 | Sign algorithm |
use either payOrderId or mchOrderNo, use one of them
# Response
| name | required | type | sample | description |
|---|---|---|---|---|
| retCode | y | String | SUCCESS or FAIL | |
| retMsg | y | String | ||
| retData | y | JSON | if retCode=SUCCESS, order detailed info returned |
# SDKs and document
For iOS integration: iOS sdk
For Android integration: Android sdk
PHP and JS integration: Php sdk
# Demo and source code
Simple purchase: demoRecurring purchase: demosource code download