To charge a card using the saved token, you will need to send a request to the endpoint below:
This endpoint is protected with OAuth 2.0 Bearer token. To find out more about authorization for Monnify endpoints, check Here
Endpoint URL: {{base_url}}/api/v1/merchant/cards/charge-card-token
Content-Type: application/json
HTTP Method: POST
The {{base_url}} for test is https://sandbox.monnify.com but when you go live, it changes to the live url
Sample Request
{
"cardToken": "MNFY_6A9DAD234B3E4E3C965B8F1D7BA8E0DE",
"amount": 50,
"customerName": "Smart Mekiliuwa",
"customerEmail": "smekiluwa@teamapt.com",
"paymentReference": "1642776682937",
"paymentDescription": "Paying for Product A",
"currencyCode": "NGN",
"contractCode": "675234136342",
"apiKey": "MK_TEST_VR7J3UAACH",
"metaData": {
"ipAddress": "127.0.0.1",
"deviceType": "mobile"
}
}
Sample Response
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"transactionReference": "MNFY|63|20220126120647|000042",
"paymentReference": "1643195206829",
"amountPaid": "30.00",
"totalPayable": "30.00",
"settlementAmount": "29.61",
"paidOn": "26/01/2022 12:06:52 PM",
"paymentStatus": "PAID",
"paymentDescription": "Paying for Product A",
"currency": "NGN",
"paymentMethod": "CARD",
"product": {
"type": "API_NOTIFICATION",
"reference": "1643195206829"
},
"cardDetails": {
"cardType": "MasterCard",
"last4": "2293",
"expMonth": "09",
"expYear": "24",
"bin": "539923",
"bankCode": null,
"bankName": null,
"reusable": true,
"countryCode": null,
"cardToken": "MNFY_A1BFC27BDE30453E95FA4E5E4055C9D8",
"supportsTokenization": false
},
"accountDetails": null,
"accountPayments": [],
"customer": {
"email": "smekiluwa@teamapt.com",
"name": "Smart Mekiliuwa"
},
"metaData": {
"deviceType": "mobile",
"ipAddress": "127.0.0.1"
}
}
}
You can also split payments among SubAccounts when attempting to charge a tokenised card.
This can be done using the incomeSplitConfig parameter.
Sample Request
{
"cardToken": "MNFY_6A9DAD234B3E4E3C965B8F1D7BA8E0DE",
"amount": 20,
"customerName": "Marvelous",
"customerEmail": "customer@gmail.com",
"paymentReference": "164277668999hbj2937",
"paymentDescription": "Paying for Product A",
"currencyCode": "NGN",
"contractCode": "675234136342",
"apiKey": "MK_PROD_WTZLS10MX6",
"incomeSplitConfig": [
{
"subAccountCode": "MFY_SUB_637933382917",
"feePercentage": 100,
"splitPercentage": 20,
"feeBearer": true
}
]
}
Sample Response
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"transactionReference": "MNFY|65|20220924134519|225697",
"paymentReference": "164277668999hbj2937",
"amountPaid": "20.00",
"totalPayable": "20.00",
"settlementAmount": "19.68",
"paidOn": "24/09/2022 01:45:27 PM",
"paymentStatus": "PAID",
"paymentDescription": "Paying for Product A",
"currency": "NGN",
"paymentMethod": "CARD",
"product": {
"type": "API_NOTIFICATION",
"reference": "164277668999hbj2937"
},
"cardDetails": {
"cardType": "MasterCard",
"last4": "2099",
"expMonth": "06",
"expYear": "25",
"bin": "53081",
"bankCode": "057",
"bankName": "Zenith bank",
"reusable": true,
"countryCode": null,
"cardToken": "MNFY_6A9DAD234B3E4E3C965B8F1D7BA8E0DE",
"supportsTokenization": false,
"maskedPan": "53081******2099"
},
"accountDetails": null,
"accountPayments": [],
"customer": {
"email": "customer@gmail.com",
"name": "Marvelous Benji"
},
"metaData": {}
}
}