Charge Card with Token 3DS

POST https://developer.tingg.africa/checkout/v2/custom/requests/card-tokenization-charge

3D Secure Flow

Header Parameters

Header	Value	Required
Authorization	`Bearer <Bearer_Token>` generated during authenticate request in step 1.	YES
Content-Type	`application/json`	YES

Request Parameters

Parameter Name	Type	Description
serviceCode	`string`	Unique code identifier for the merchant's service in use as provided on the checkout platform.
merchantTransactionID	`string`	Unique transaction ID identifying the transaction as given by the merchant.
payerModeID	`integer`	This is a number representing the payment option client and the mode in use e.g. using a mobile money client paying via STK push. This will be provided as part of the payment options
languageCode	`string`	2 letter code for the language used for the transaction.
countryCode	`string`	The ISO 3166-1 alpha-2 code of the country you wish to collect payment for.
3ds	`string`	true
checkoutRequestID	`integer`	A unique transaction ID identifying the transaction logged in the checkout platform.
sourceOfFunds	`JSON Object`	Pass generated token under `sourceOfFunds.token`
order	`JSON array`	Order details as described in the Authorization with 3D Secure section.
billingDetails	`JSON array`	Billing details as described in the Authorization with 3D Secure section
browserDetails	`JSON array`	Browser details as described in the Browser details reference.
agreementID	`String`	This is the enrolment ID generated by Mastercard confirming the customer has agreed to be charged for recurring payments.

Example

{
    "merchantTransactionID": "{{merchantTransactionID}}",
    "checkoutRequestID": "{{checkoutRequestID}}",
    "PayerModeID": "{{PayerModeID}}",
    "languageCode": "en",
    "countryCode": "NG",
    "3ds" : "true",
    "serviceCode": "{{service_code}}",
    "order": {
        "accountNumber": "ASDF7E",
        "chargeAmount": "1000.00",
        "currencyCode": "KES",
        "requestDescription": "Order XX Purchase"
    },
    "sourceOfFunds": {
      "token": "XXXXXXXXXXXXXXXXXXXXXXXXX"
    },
    "billingDetails": {
        "address": {
            "city": "Nairobi",
            "countryCode": "NG"
        },
        "customer": {
            "firstName": "Gunnar",
            "emailAddress": "[email protected]",
            "surname": "Stewart",
            "mobileNumber": "254765121298"
        }
    },
    "browserDetails": {
        "acceptHeader": "text\/html",
        "screenColorDepth": "24",
        "language": "en-US",
        "screenHeight": "768",
        "screenWidth": "1366",
        "timezone": "-180",
        "javaEnabled": "false",
        "javascriptEnabled": "true",
        "ipAddress": "192.123.12.1",
        "userAgent": "Firefox 105.0"
    }
 }

Response Parameters

Parameter Name	Type	Description	Mandatory
statusCode	`integer`	Response status code.	TRUE
statusDescription	`string`	A description of the status provided above.	TRUE
results	`JSON array`	Null when request fails.
results.redirectUrl	`string`	Url to redirect your client for payment authentication by your issuing bank	FALSE
results.type	`string`	The type of response	FALSE

Example

{
    "statusCode": 200,
    "statusDescription": "Operation done successfully",
    "results": {
        "redirectUrl": "https://direct-card-api.dev.tingg.africa/v1/secure3d/auth/mawiteoka75867yuJUJU",
        "type": "THREE_D_SECURE"
    }
}

Card Status Codes

Status Code	Status Description
200	Transaction was successful
201	3DS Authentication failed. Retry transaction with correct OTP
203	Rejected due to Address Verification System data mismatch (name, address, etc.). Retry with a different card or contact your bank to update address details
204	Transaction may or may not have been successful, but MUST be canceled to comply with sanctions and law enforcement. Retry with a different card
205	Transaction rejected due to CVV mismatch. Retry transaction with correct CVV
209	The card is expired. Retry with a different card
210	Transaction has been blocked due to fraud. Retry with a different card
211	Amount is too high, too low, does not match a previous authorisation or is otherwise invalid. Retry with a different amount
212	Card data (PAN, expiry date or CVV) are invalid. Retry with correct card details
213	PAN is invalid. Retry with correct card PAN
214	Transaction declined by acquirer. Retry with a different card
215	Rejected due to problems on the issuer side. Retry with a different card
216	Insufficient funds or withdrawal limit exceeded. Fund account or retry with a different card
217	Card reported as lost. Contact issuing bank or retry with a different card
219	Transaction not permitted to either issuer, cardholder, acquirer or merchant. Retry with a different card
220	Transaction was successful for only a partial amount, void transaction and try again
222	Rejected due to issues with cardholder PIN. Retry with correct card PIN or a different card
223	Transaction has been rejected, please contact your card issuer or retry with a different card
224	Transaction was processed, but has been flagged for manual review due to suspicion of fraud
225	Card has been reported as stolen. Contact issuing bank
226	Transaction timed out with unclear status; recommend to cancel and retry with a different card
602	Invalid payment token passed. Merchant to review and send correct token
608	3DS Authentication failed, unable to redirect customer to card issuer page. Retry with a different card
609	Token not allowed for 3DS transaction
610	Unable to complete the payment. Please try again
611	Payment Declined. Your card is not 3DS Enabled. Contact your bank.
617	Duplicate reference number. Reinitiate transaction with a unique Merchant transaction ID
629	Transaction blocked due to suspected fraud. Contact card issuer for support
631	Missing card number. Please provide the card number
632	Missing card expiry field. Please provide the card expiry field
633	Missing card expiry month field. Please provide the card expiry month field
634	Missing card expiry year field. Please provide the card expiry year field
642	Customer email is required
644	Invalid card BIN format. Value should be numeric
647	Card BIN is required
648	Invalid card BIN length passed
651	Missing card number. Please provide card number for card tokenization requests
655	Incorrect card pin length. Card PIN must be four (4) digit(s)
656	Unsupported request type. Set isCvvLess flag to True
660	Invalid card length %s scheme. % card length should be %
661	Invalid card PAN. Retry with correct card PAN
662	Incorrect Expiry year length. Expiry year must be 2 digits
663	Incorrect Expiry month length. Expiry month must be 2 digits
664	Incorrect Expiry month. Expiry month must be value must be between 1 and 12
665	Incorrect Expiry year. Expiry month must be value must be between 0 and 99
667	Invalid CVV format. Card Verification Value must be a numeric value between 3 and 4 digits
668	BIN passed in card issuer information does not match card BIN
671	Card details is not required for delete token requests. Send only token
672	Missing token. Token is required delete token requests
673	Missing card pin. cardPin is required for VERVE Cards
675	Unsupported request type. Set tokenizeCard flag to false
701	Secure3D Authentication Pending. Prompt user for OTP for Verve Card
1067	We are unable to process your request at the moment. Please contact support via [email protected]