{"id":26324,"date":"2024-06-07T10:38:42","date_gmt":"2024-06-07T18:38:42","guid":{"rendered":"https:\/\/trc-parus.ru\/?p=26324"},"modified":"2024-06-08T06:22:25","modified_gmt":"2024-06-08T14:22:25","slug":"how-payment-gateway-apis-work-and-code-examples","status":"publish","type":"post","link":"https:\/\/trc-parus.ru\/blog\/how-payment-gateway-apis-work-and-code-examples\/","title":{"rendered":"How Payment Gateway APIs Work and Code Examples"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"26324\" class=\"elementor elementor-26324\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ec9fd1 e-flex e-con-boxed e-con e-parent\" data-id=\"1ec9fd1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1704fc8 elementor-widget elementor-widget-text-editor\" data-id=\"1704fc8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 26-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Any modern payment gateway has a robust set of APIs (Application Programming Interfaces), along with clear documentation. These APIs allow mobile apps, websites, software platforms, and other devices to seamlessly call the payment gateway to conduct transactions and retrieve or send data.\u00a0<\/p><p>This article covers how payment gateway APIs work, their components, and their role in ensuring secure, efficient financial transactions. We also end with examples of how basic transactions work.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-095c218 elementor-widget elementor-widget-heading\" data-id=\"095c218\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 26-05-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What is a Payment Gateway API?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6ccd24 elementor-widget elementor-widget-text-editor\" data-id=\"d6ccd24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-a-payment-gateway\/\">payment gateway<\/a> API is a set of protocols and tools that allow developers to integrate payment processing functionality into their applications. It acts as an intermediary between the business software and the financial institutions involved in the transaction, enabling the authorization and processing of payments.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-61502ef elementor-widget elementor-widget-heading\" data-id=\"61502ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Payment Gateway APIs Work<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-447a8cc elementor-widget elementor-widget-text-editor\" data-id=\"447a8cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe payment process begins when the merchant&#8217;s website or app sends a payment request to the payment gateway API, which securely tokenizes the sensitive information. The API authenticates the request, forwards transaction details for authorization by the respective banks, and processes the transfer of funds upon approval. Finally, the acquiring bank settles the funds with the merchant, completing the transaction cycle.\n\nBelow are the steps of a transaction:\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f16597 elementor-widget elementor-widget-text-editor\" data-id=\"7f16597\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><strong>Initialization<\/strong>:<ul><li>The merchant&#8217;s website or application initializes the payment process by sending a payment request to the payment gateway API, including transaction details and customer information.<\/li><\/ul><\/li><li><strong>Tokenization<\/strong>:<ul><li>The payment gateway API converts sensitive payment information into a secure token, which is then used to process the transaction without exposing sensitive data.<\/li><\/ul><\/li><li><strong>Authentication<\/strong>:<ul><li>The payment gateway API authenticates the request using API keys or OAuth tokens to ensure it originates from a trusted source.<\/li><\/ul><\/li><li><strong>Authorization<\/strong>:<ul><li>The API sends the transaction details to the <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-acquiring-bank-in-payments\/\">acquiring bank<\/a> (merchant\u2019s bank), which forwards them to the <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-an-issuing-bank-in-payments\/\">issuing bank<\/a> (customer\u2019s bank) for authorization.<\/li><li>The issuing bank checks the availability of funds and either approves or declines the transaction.<\/li><\/ul><\/li><li><strong>Transaction Processing<\/strong>:<ul><li>If approved, the payment gateway API processes the transaction, transferring the funds from the customer\u2019s account to the merchant\u2019s account.<\/li><li>The API sends a confirmation response to the merchant\u2019s application, updating the transaction status.<\/li><\/ul><\/li><li><strong>Settlement<\/strong>:<ul><li>The acquiring bank settles the funds with the merchant, typically within one to a few days, depending on the payment gateway\u2019s policies.<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c61afa elementor-widget elementor-widget-heading\" data-id=\"6c61afa\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Transaction Flow with Payment Gateway APIs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99fb469 elementor-widget elementor-widget-text-editor\" data-id=\"99fb469\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The <a href=\"https:\/\/trc-parus.ru\/blog\/how-a-credit-card-transaction-works\/\">credit card transaction flow<\/a> involves several steps, from the initiation of the payment to the final settlement of funds. Here&#8217;s a detailed overview of each step when a payment gateway is involved:<\/p><h4>1. <strong>Customer Initiates Payment<\/strong><\/h4><ul><li><strong>Action<\/strong>: The customer selects products or services on the merchant&#8217;s website or application and proceeds to checkout.<\/li><li><strong>Details<\/strong>: The customer enters their credit card information (card number, expiration date, CVV) and other necessary details.<\/li><\/ul><h4>2. <strong>Merchant Sends Payment Request<\/strong><\/h4><ul><li><strong>Action<\/strong>: The merchant\u2019s website or application sends a payment request to the payment gateway API.<\/li><li><strong>Details<\/strong>: This request includes transaction details such as the amount, currency, and customer\u2019s credit card information.<\/li><\/ul><h4>3. <strong>Payment Gateway Tokenizes Data<\/strong><\/h4><ul><li><strong>Action<\/strong>: The payment gateway API tokenizes the sensitive payment information.<\/li><li><strong>Details<\/strong>: Tokenization replaces the sensitive card information with a secure token, reducing the risk of data breaches.<\/li><\/ul><h4>4. <strong>Authorization<\/strong><\/h4><ul><li><strong>Action<\/strong>: The payment gateway sends an authorization request to the acquiring bank (merchant&#8217;s bank).<\/li><li><strong>Details<\/strong>: The acquiring bank forwards the request to the card network (e.g., Visa, MasterCard), which then forwards it to the issuing bank (customer&#8217;s bank).<\/li><\/ul><h4>5. <strong>Issuing Bank Verifies Transaction<\/strong><\/h4><ul><li><strong>Action<\/strong>: The issuing bank verifies the customer&#8217;s account details and checks for sufficient funds.<\/li><li><strong>Details<\/strong>: The bank performs fraud checks and either approves or declines the transaction.<\/li><\/ul><h4>6. <strong>Authorization Response<\/strong><\/h4><ul><li><strong>Action<\/strong>: The issuing bank sends an authorization response back through the card network to the acquiring bank.<\/li><li><strong>Details<\/strong>: If approved, the response includes an authorization code; if declined, it includes the reason for the decline.<\/li><\/ul><h4>7. <strong>Merchant Receives Authorization Response<\/strong><\/h4><ul><li><strong>Action<\/strong>: The payment gateway sends the authorization response back to the merchant&#8217;s website or application.<\/li><li><strong>Details<\/strong>: The merchant informs the customer of the transaction status (approved or declined).<\/li><\/ul><h4>8. <strong>Capture<\/strong><\/h4><ul><li><strong>Action<\/strong>: Once the order is ready to be fulfilled, the merchant sends a capture request to the payment gateway API.<\/li><li><strong>Details<\/strong>: The capture request specifies the amount to be captured (can be the full or a partial amount of the authorization).<\/li><\/ul><h4>9. <strong>Funds Transfer<\/strong><\/h4><ul><li><strong>Action<\/strong>: The payment gateway processes the capture request and transfers the funds from the issuing bank to the acquiring bank.<\/li><li><strong>Details<\/strong>: The transaction is now considered complete, and the funds are moved into the merchant\u2019s account.<\/li><\/ul><h4>10. <strong>Confirmation to Merchant and Customer<\/strong><\/h4><ul><li><strong>Action<\/strong>: The payment gateway sends a confirmation of the capture to the merchant\u2019s application.<\/li><li><strong>Details<\/strong>: The merchant updates the transaction status and notifies the customer of the successful payment.<\/li><\/ul><h4>11. <strong>Settlement<\/strong><\/h4><ul><li><strong>Action<\/strong>: The acquiring bank settles the funds with the merchant\u2019s account.<\/li><li><strong>Details<\/strong>: This process typically occurs in batches and may take a few days, depending on the payment gateway and acquiring bank\u2019s policies.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc428d4 elementor-widget elementor-widget-heading\" data-id=\"cc428d4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Security Measures in Payment Gateway APIs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42f169b elementor-widget elementor-widget-text-editor\" data-id=\"42f169b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Data encryption secures all data transmitted between the merchant\u2019s application and the payment gateway, preventing interception and misuse. <a href=\"https:\/\/trc-parus.ru\/blog\/what-is-credit-card-tokenization\/\">Tokenization<\/a> replaces sensitive card information with a unique identifier, minimizing the risk of data breaches. Advanced fraud detection algorithms and compliance with industry standards like <a href=\"https:\/\/trc-parus.ru\/blog\/a-complete-overview-of-pci-in-payments\/\">PCI DSS<\/a> ensure high security and data protection throughout the payment process.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c35ce08 elementor-widget elementor-widget-text-editor\" data-id=\"c35ce08\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ol><li><p><strong>Data Encryption<\/strong>:<\/p><ul><li>Ensures that all data transmitted between the merchant\u2019s application and the payment gateway is encrypted, preventing interception and misuse.<\/li><\/ul><\/li><li><p><strong>Tokenization<\/strong>:<\/p><ul><li>Replaces sensitive card information with a unique identifier (token), reducing the risk of data breaches.<\/li><\/ul><\/li><li><p><strong>Fraud Detection<\/strong>:<\/p><ul><li>Advanced algorithms and machine learning techniques are used to detect and prevent fraudulent transactions.<\/li><\/ul><\/li><li><p><strong>Compliance<\/strong>:<\/p><ul><li>Adherence to industry standards such as <a href=\"https:\/\/trc-parus.ru\/blog\/a-complete-overview-of-pci-in-payments\/\">PCI DSS<\/a> ensures that the payment gateway API maintains high security and data protection standards.<\/li><\/ul><\/li><\/ol>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c3361a elementor-widget elementor-widget-heading\" data-id=\"8c3361a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Example API Calls with Payment Gateway APIs<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afa114b elementor-widget elementor-widget-text-editor\" data-id=\"afa114b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Payment gateway APIs offer a range of functionalities through various API calls, enabling developers to integrate comprehensive payment processing capabilities into their applications. Here are some of the main API calls and their functionalities:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-badd3d9 elementor-widget elementor-widget-heading\" data-id=\"badd3d9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Create Sale Transaction<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45527c9 elementor-widget elementor-widget-text-editor\" data-id=\"45527c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Endpoint<\/strong>: <code>POST \/v1\/transactions<\/code><\/p><p><strong>Functionality <\/strong>: This API call initiates a new payment transaction. The merchant\u2019s application sends the transaction details, including the amount, currency, and payment method information (e.g., credit card details), to the payment gateway. The API processes this information, tokenizes sensitive data, and returns a response with the transaction status and a unique transaction ID.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77b0835 elementor-widget elementor-widget-heading\" data-id=\"77b0835\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Sale Transaction Request<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80e30c2 elementor-widget elementor-widget-code-highlight\" data-id=\"80e30c2\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"amount\": 1000,\n    \"currency\": \"USD\",\n    \"payment_method\": {\n        \"type\": \"card\",\n        \"card\": {\n            \"number\": \"4242424242424242\",\n            \"exp_month\": \"12\",\n            \"exp_year\": \"2024\",\n            \"cvc\": \"123\"\n        }\n    }\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b322a4 elementor-widget elementor-widget-heading\" data-id=\"3b322a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Sales Transaction Response<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d47589d elementor-widget elementor-widget-code-highlight\" data-id=\"d47589d\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"id\": \"txn_123456789\",\n    \"status\": \"succeeded\",\n    \"amount\": 1000,\n    \"currency\": \"USD\"\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d374ac elementor-widget elementor-widget-heading\" data-id=\"4d374ac\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Refund Transaction<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97ba148 elementor-widget elementor-widget-text-editor\" data-id=\"97ba148\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Endpoint<\/strong>: <code>POST \/v1\/transactions\/{transaction_id}\/refund<\/code><\/p><p><strong>Functionality<\/strong>: This API call initiates a refund for a specific transaction. The merchant specifies the transaction ID and the amount to be refunded. The API processes the refund and updates the transaction status accordingly.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fd9d98 elementor-widget elementor-widget-heading\" data-id=\"9fd9d98\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Refund Transaction Request<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-677b853 elementor-widget elementor-widget-code-highlight\" data-id=\"677b853\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"amount\": 500\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc82bdc elementor-widget elementor-widget-heading\" data-id=\"fc82bdc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Refund Transaction Response<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c50a54d elementor-widget elementor-widget-code-highlight\" data-id=\"c50a54d\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"id\": \"txn_123456789_refund_1\",\n    \"status\": \"succeeded\",\n    \"amount\": 500,\n    \"currency\": \"USD\",\n    \"original_transaction_id\": \"txn_123456789\"\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c07120 elementor-widget elementor-widget-heading\" data-id=\"3c07120\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Store Customer Information Transaction<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1a262a elementor-widget elementor-widget-text-editor\" data-id=\"c1a262a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>Endpoint<\/strong>: <code>POST \/v1\/customers\/create_with_payment_method<\/code><\/p><p><strong>Functionality<\/strong>: This API call creates a new customer and simultaneously stores their credit card information, returning a combined response with both customer and payment method details.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b495221 elementor-widget elementor-widget-heading\" data-id=\"b495221\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Store Customer Information Transaction Request<\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca6d249 elementor-widget elementor-widget-code-highlight\" data-id=\"ca6d249\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"customer\": {\n        \"name\": \"John Doe\",\n        \"email\": \"john.doe@example.com\"\n    },\n    \"payment_method\": {\n        \"type\": \"card\",\n        \"card\": {\n            \"number\": \"4242424242424242\",\n            \"exp_month\": \"12\",\n            \"exp_year\": \"2024\",\n            \"cvc\": \"123\"\n        }\n    }\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fc3dd7 elementor-widget elementor-widget-heading\" data-id=\"5fc3dd7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Example Store Customer Information Transaction Response<span style=\"color: var( --e-global-color-primary ); font-family: var( --e-global-typography-primary-font-family ), Sans-serif; font-weight: var( --e-global-typography-primary-font-weight ); text-align: var(--text-align);\"><\/span><br><\/h4>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c034f4 elementor-widget elementor-widget-code-highlight\" data-id=\"7c034f4\" data-element_type=\"widget\" data-widget_type=\"code-highlight.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"prismjs-default copy-to-clipboard \">\n\t\t\t<pre data-line=\"\" class=\"highlight-height language-javascript line-numbers\">\n\t\t\t\t<code readonly=\"true\" class=\"language-javascript\">\n\t\t\t\t\t<xmp>{\n    \"customer\": {\n        \"id\": \"cust_123456789\",\n        \"name\": \"John Doe\",\n        \"email\": \"john.doe@example.com\",\n        \"created_at\": \"2024-06-01T12:00:00Z\"\n    },\n    \"payment_method\": {\n        \"id\": \"pm_987654321\",\n        \"type\": \"card\",\n        \"card\": {\n            \"last4\": \"4242\",\n            \"exp_month\": \"12\",\n            \"exp_year\": \"2024\"\n        },\n        \"created_at\": \"2024-06-01T12:05:00Z\"\n    }\n}\n<\/xmp>\n\t\t\t\t<\/code>\n\t\t\t<\/pre>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Any modern payment gateway has a robust set of APIs (Application Programming Interfaces), along with clear documentation. These APIs allow mobile apps, websites, software platforms, and other devices to seamlessly call the payment gateway to conduct transactions and retrieve or send data.\u00a0 This article covers how payment gateway APIs work, their components, and their role [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":26392,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[31],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Payment Gateway APIs Work and Code Examples<\/title>\n<meta name=\"description\" content=\"How payment gateway APIs work for credit card processing, integration functionality, transaction calls, and some code examples.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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