Credits and payouts with registered card

You can make a basic credit request using card details you previously registered, for example, for metered payments or one-click checkout. You will need the card token registrationId.

This page describes how to create a basic credit request and then how to create payout requests with the parameters required by the Card Schemes.

Basic credit request with registered card

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.

Example basic credit response with registered card

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"
}

Test credit with registered card

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. Use the payment type CD and the set of parameters as shown in the following example.

entityId={channelId}
paymentType=CD
amount=17.99
currency=EUR
merchantTransactionId=P175
testMode=EXTERNAL

To obtain more information about a credit request in general, see the Gateway Backoffice API documentation for Payout, which is the SERVER-TO-SERVER version of this request.