Credit payment

Using the Backoffice API, you can send a credit payment with a server-to-server POST request. You will need to enter the card, payment, and billing details.

Or you can send a credit payment using a card registration from a COPYandPAY checkout. You will need the card registration ID.

Credit request with card details

Here is an example of a test credit request with card details from a server-to-server environment.

Replace the {channelId} and the {auth_token} with your values.

curl https://eu-test.oppwa.com/v1/payments \
 -d "entityId={channelId}" \
 -d "amount=100.00" \
 -d "currency=EUR" \
 -d "paymentBrand=VISA" \
 -d "paymentType=CD" \
 -d "card.number=4200000000000000" \
 -d "card.holder=John Smith" \
 -d "card.expiryMonth=02" \
 -d "card.expiryYear=2027" \
 -d "card.cvv=123" \
 -d "merchantTransactionId=P175" \
 -d "testMode=EXTERNAL" \
 -H "Authorization: Bearer {auth_token}"

From the payment response, store the id of the successful request for future reference.

For a successful transaction, the response code is 200.

Here is an example response for a successful credit transaction.

{
  "id": "8ac7a4a192b3b5060192b471c0d82dfb",
  "paymentType": "CD",
  "paymentBrand": "VISA",
  "amount": "100.00",
  "currency": "EUR",
  "descriptor": "7548.8324.7369 ECOMChannel ",
  "merchantTransactionId": "P175",
  "result": {
    "code": "000.100.112",
    "description": "Request successfully processed in 'Merchant in Connector Test Mode'"
  },
  "resultDetails": {
    "ExtendedDescription": "Approved or completed successfully",
    "clearingInstituteName": "Postbank P.O.S. Transact GmbH",
    "ConnectorTxID1": "852105",
    "ConnectorTxID3": "26K00001",
    "AcquirerResponse": "00",
    "reconciliationId": "P175",
    "merchantAccountId": "8a8294184f1d2f31014f25d1b00609b9"
  },
  "card": {
    "bin": "420000",
    "last4Digits": "0042",
    "holder": "John Smith",
    "expiryMonth": "02",
    "expiryYear": "2027"
  },
  "risk": {
    "score": "0"
  },
  "buildNumber": "1a09c7f6b69eaea67758a3050d39aeeeeec97625@2024-10-21 15:02:36 +0000",
  "timestamp": "2024-10-22 13:36:46+0000",
  "ndc": "8ac7a4c890fc748b0190fe6ad56b0241_cf4d3a0aa0f342e3a5837f7af9b5d994",
  "source": "OPP",
  "paymentMethod": "CC",
  "shortId": "7548.8324.7369"
}

For full details of how to interpret a transaction response, see Transaction results.

For the gateway documentation of the Backoffice API, see Gateway Backoffice API documentation for Payout. Note that the credit request is described as a payout because the most common use case for this request is to make a standalone refund to a customer when a regular refund is not possible.

Credit request with a registered card

You can make a credit request using card details you previously registered, for example, for metered payments or one-click checkout. You will need the card token registrationId but you do not need to add any other specific parameters or customer details to the request.

Here is an example of a test credit request with a registered card.

Replace the {id} with the registrationId for the customer's card, and the {channelId} and the {auth_token} with your values.

curl https://eu-test.oppwa.com/v1/registrations/{id}/payments \
 -d "entityId={channelId}" \
 -d "paymentType=CD" \
 -d "amount=17.99" \
 -d "currency=EUR" \
 -d "merchantTransactionId=P175" \
 -d "testMode=EXTERNAL" \
 -H "Authorization: Bearer {auth_token}"

From the payment response, store the id of the successful request for future reference.

For a successful transaction, the response code is 200.

To try this in the gateway playground, see the section on Sending a subsequent payment in the Gateway Backoffice API documentation for Card on File. However, to obtain more information about the a credit request, see the Gateway Backoffice API documentation for Payout.

Here is an example response for the successful test credit transaction with a registered card.

{
  "id":"8ac7a4a09780fc6a01978219fe113f61",
  "paymentType":"CD",
  "amount":"17.99",
  "currency":"EUR",
  "descriptor":"0552.1149.6322 MOTOChannel ",
  "merchantTransactionId":"P175",
  "result":{
    "code":"000.100.112",
    "description":"Request successfully processed in 'Merchant in Connector Test Mode'"
  },
  "resultDetails":{
    "ExtendedDescription":"Approved or completed successfully",
    "clearingInstituteName":"Postbank P.O.S. Transact GmbH",
    "ConnectorTxID1":"700676",
    "ConnectorTxID3":"26K00001",
    "AcquirerResponse":"00",
    "reconciliationId":"P175",
    "merchantAccountId":"8a8294184f1d2f31014f25d1b00609b9"
  },
  "risk":{
    "score":"0"
  },
  "buildNumber":"e1ddd751d5b4a7bd89ed8838e38be61e687f3b56@2025-06-18 00:42:25 +0000",
  "timestamp":"2025-06-18 08:13:51+0000",
  "ndc":"8ac7a4c890fc748b0190fe6a7ad7023d_cde0a8b44ca04423be063deceabb763e",
  "standingInstruction":{
    "source":"MIT",
    "type":"UNSCHEDULED",
    "mode":"REPEATED"
  },
  "source":"OPP",
  "paymentMethod":"CC",
  "shortId":"0552.1149.6322"
}