Payment method properties


Markets (consumer)	`PE`
Processing currencies	`PEN`
Consumer currencies	`PEN`
Minimum payment amount	0.00 PEN
Maximum payment amount	Varies by card issuer
Payment instrument	`CARD_PPRO_VAULTED`
Network tokens	Yes
Recurring payments	Yes
Separate captures	Yes
Installments	No
Validation	Yes
Refund	Full - Partial - Multiple
Refund validity	365 days
Authorization reversal	Yes
Authorization validity	7 days
EMV 3-D Secure	No
Disputes	Yes
Settlement risk	No

Make a card payment

To create a one-time card payment, you'll need to provide the following data when calling our payment charges api:

Data Field	Description
`paymentMethod`	`CARD`
`amount.value`	The amount to be paid in the smallest units of the currency used.
`amount.currency`	`PEN`
`consumer.name`	Full name of the consumer.
`consumer.country`	The country where the consumer is shopping.
`consumer.taxIdentification`	The consumer’s tax identification number. See the section Consumer Tax Identification for more details.
`instrument.type`	`RAW_CARD`
`instrument.details.brand` (optional)	`DINERS` `DISCOVER` `MASTER` `VISA` The `brand` field is optional. Only use one of the values listed above. If the card’s brand is not included in this list or is unknown, do not include the brand field.
`instrument.details.number`	The primary account number (PAN) of the card used for payment.
`instrument.details.cvv`	Card verification value (CVV) A security code used to verify that the card is in the consumer's possession and to authenticate the card during authorization.
`instrument.details.holderName`	The full name of the cardholder as it appears on the card.
`instrument.details.expiryMonth`	The one to two-digit expiration month of the card.
`instrument.details.expiryYear`	The four-digit expiration year of the card.

Request

POST /v1/payment-charges

{
	"paymentMethod": "CARD",
	"paymentDescriptor": "Acme Inc. - Order 123",
	"amount": {
		"value": 4000,
		"currency": "PEN"
	},
	"consumer": {
		"billingAddress": {},
		"country": "PE",
		"name": "John Smith",
		"taxIdentification": "12345678"
	},
	"instrument": {
		"type": "RAW_CARD",
		"details": {
			"brand": "VISA",
			"number": "4111111111111111",
			"cvv": "123",
			"holderName": "John Smith",
			"expiryMonth": 1,
			"expiryYear": 2030
		}
	}
}

Response:

{
  "id": "charge_JqOxPe5C0ltzDym2Wb4zo",
  "paymentMethod": "CARD",
  "currency": "PEN",
  "country": "PE",
  "paymentDescriptor": "Acme Inc. - Order 123",
  "status": "CAPTURE_PENDING",
  "consumer": {
    "name": "John Smith",
    "country": "PE",
		"taxIdentification": "12345678",
    "billingAddress": {}
  },
  "authorizations": [
    {
      "id": "authz_GRlW0pINO5ftY8aLTVtbg",
      "amount": 4000,
      "status": "AUTHORIZED",
      "createdAt": "2023-07-06T15:17:19.141Z",
      "updatedAt": "2023-07-06T15:17:19.141Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "voids": [],
  "createdAt": "2023-07-06T15:17:19.043Z",
  "updatedAt": "2023-07-06T15:17:19.140Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_JqOxPe5C0ltzDym2Wb4zo/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_JqOxPe5C0ltzDym2Wb4zo/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_JqOxPe5C0ltzDym2Wb4zo/refunds"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_JqOxPe5C0ltzDym2Wb4zo/voids"
    }
  }
}

Consumer Tax Identification

Requires customer ID: DNI, Cédula de Extranjería or RUC

DNI (Documento Nacional de Identidad): 8 numeric digits.
Cédula de Extranjería (Foreigner Identification Card): 9 numeric digits.
Registro Único de Contribuyentes (Unique Tax Number) is a number attributed by the Peruvian Tax Authorities (SUNAT) to Peruvians and foreigners who pay taxes or take part directly or indirectly in activities resulting in revenue. It issued to identify both physical persons and legal entities, however in eCommerce it is used to identify B2B buyers. 11 numeric digits.

Note: For B2C products, collect the DNI (for Peruvian citizen) or the Cédula de Extranjería (for foreigners). For B2B products, please collect the RUC. These need to be sent in the parameter customer.taxIdentification.

Examples:

DNI: customer.taxIdentification=12345678

Cédula de Extranjería: customer.taxIdentification=001112311

RUC: customer.taxIdentification=17278796167

Handling the response

Once the payment has been successfully AUTHORIZED you can present the payment outcome to the consumer.
The payment charge status will be in CAPTURE_PENDING or CAPTURED depending if autoCapture was applied or not. If required, Capture the payment charge.