To be granted access to this API, you will be required to be PCI-DSS certified. For further inquiries, please reach out to integrations@monnify.com
Charge Card with no OTP
Endpoint
POST: https://sandbox.monnify.com/api/v1/merchant/cards/charge
This endpoint is protected by Bearer Token
Sample Request Body (with no OTP)
{
"transactionReference": "MNFY|20190514172736|000001",
"collectionChannel": "API_NOTIFICATION",
"card": {
"number": "4111111111111111",
"expiryMonth": "10",
"expiryYear": "2022",
"pin": "1234",
"cvv": "122"
}
}
Sample Response (with no OTP)
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"status": "SUCCESS",
"message": "Transaction Successful",
"transactionReference": "MNFY|54|20210429142557|000206",
"paymentReference": "1619702756719",
"authorizedAmount": 2000.00
}
}
Charge Card with OTP
Endpoint
POST: https://sandbox.monnify.com/api/v1/merchant/cards/charge
This endpoint is protected by basic authentication
Sample Request Body (with OTP)
{
"transactionReference": "MNFY|54|20210429142945|000208",
"collectionChannel": "API_NOTIFICATION",
"card": {
"number": "5061040000000000215",
"expiryMonth": "09",
"expiryYear": "2022",
"pin": "1234",
"cvv": "122"
}
}
Sample Response (with OTP)
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"status": "OTP_AUTHORIZATION_REQUIRED",
"message": "OTP Authorization required",
"otpData": {
"id": "2000.00-e944ba213f0acbc90a16b292ba353b2f",
"message": "Please enter OTP. Use 123456 as token"
},
"transactionReference": "MNFY|54|20210429142945|000208",
"paymentReference": "1619702984105",
"authorizedAmount": 1000
}
}
Authorize OTP
This endpoint is protected by basic authentication
Sample Request
{
"transactionReference": "MNFY|20190512185357|000002",
"collectionChannel": "API_NOTIFICATION",
"tokenId": "1234567890",
"token": "123456"
}
Sample Response
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"status": "SUCCESS",
"message": "Transaction Successful",
"transactionReference": "MNFY|54|20210429142945|000208",
"paymentReference": "1619702984105",
"authorizedAmount": 2000.00
}
}
3DS Secure Authentication Transaction
Endpoint
POST: https://sandbox.monnify.com/api/v1/merchant/cards/charge
This endpoint is protected by basic authentication
Sample Request
{
"transactionReference": "MNFY|19|20210430115705|000243",
"collectionChannel": "API_NOTIFICATION",
"card": {
"cvv": "123",
"expiryMonth": "12",
"expiryYear": "2022",
"number": "4000000000000002",
"pin": "1234"
}
}
Sample Response
{
"requestSuccessful": true,
"responseMessage": "success",
"responseCode": "0",
"responseBody": {
"status": "BANK_AUTHORIZATION_REQUIRED",
"message": "3D Secure Authorization required",
"secure3dData": {
"id": "2000.00-59077a3e5157fae7ca9dd260d911ccbb",
"redirectUrl": "http://localhost:10001"
},
"transactionReference": "MNFY|19|20210430115705|000243",
"paymentReference": "1619780224192",
"authorizedAmount": 1000
}
}
Field | Description |
|---|---|
transactionReference | Unique reference generated for the transaction by Monnify |
collectionChannel |
|
card | Object containing card information |
number | Card number |
expiryMonth | Card expiration month |
expiryYear | Card expiration year |
pin | Card pin from card owner |
cvv | Security code behind card |
tokenId | Token id from the request response (otpData.id) |
token | OTP from card owner (use 12345 for test card) |