Money In

Card Vault Pre-Auth

Place a pre-authorisation hold on a customer's stored cards server-to-server, then capture or reverse it later using the transaction ID. Attempts the default card first with automatic cascade to fallback cards, or targets a specific card. Supports merchant-initiated (MIT) scheme compliance, partial captures, invoice issuance, and webhook notifications.

Pre-Auth Request

Request to place a pre-authorisation hold on a customer's vaulted card(s). Funds are reserved on the cardholder's account but not settled until captured. By default the customer's default card is attempted first, cascading through the remaining active cards in priority order until an authorisation succeeds or all cards are exhausted. Pass card_id to authorise a specific card only (no cascade).

Pre-auths are processed as merchant-initiated transactions (MIT) — no 3DS challenge is presented. The 3DS authentication from the original card storage (see Card Vault Link) provides the authentication reference for scheme compliance.

A successful pre-auth returns a transaction_id (tra_), which is then used to capture or reverse the hold. Holds that are neither captured nor reversed expire automatically at expires_at (7 days by default) and the funds are released.

Path

POST /card-vault/{customer_id}/pre-auth

Path Parameter	Type	Description	Example
customer_id	String(32)	The customer whose stored cards will be authorised — see customers	cus_abc123...

Example (Basic)

Basic example to pre-authorise the customer. The default card is attempted first, then the remaining active cards in priority order.

{
  "item": {
    "amount": "349.00" // amount to place on hold
  },
  "reference": "INV-2026-00042" // your reference; appears on statements and reporting
}

Example (Specific card)

Pre-authorise one specific stored card only. The cascade is disabled — if this card declines, the pre-auth fails.

{
  "item": {
    "amount": "349.00"
  },
  "reference": "INV-2026-00042",
  "card_id": "crd_SFq2E9LskQimPkf2mRqnV" // authorise this card only; obtain card IDs from the card vault webhooks or the customer's card list
}

Example (Advanced)

Advanced example with all options, including cascade controls and hold duration.

{
  "item": {
    "amount": "349.00",
    "title": "Booking deposit", // [optional] carried through as the default invoice line when the hold is captured with an invoice
    "description": "Room 12, 3 nights" // [optional]
  },
  "currency": "ZAR", // [optional] default "ZAR"

  "reference": "INV-2026-00042", // your reference; appears on statements and reporting

  "expires_in_days": 7, // [optional] default 7 — days before an uncaptured hold is automatically released (1–30, scheme limits apply)

  "signature": "secret-key-for-payload", // [optional] shared-secret signature for the payload, see the signature section below

  // [optional] catalog invoice lines, carried through as the default lines when the hold is captured with an invoice —
  // overrides the default single line from item; can be overridden at capture
  "items": [
    {
      "product_id": "pro_abc123...",
      "qty": 2 // default 1 when omitted
    },
    {
      "product_id": "pro_xyz789...",
      "price_excl": 300.23 // override the default product amount
    }
  ],

  // Cascade behaviour — ignored when card_id is passed
  "cascade": {
    "is_enabled": true, // [optional] default true — when false, only the default card is attempted
    "max_attempts": 3, // [optional] cap on the number of cards tried; defaults to all ACTIVE cards
    "card_order": [ // [optional] explicit order override; defaults to: default card first, then by priority
      "crd_SFq2E9LskQimPkf2mRqnV",
      "crd_9kLmXw3RtYqPz8vNcE2aB"
    ],
    "skip_codes": ["DO_NOT_HONOUR"] // [optional] additional decline codes that abort the cascade; hard declines (e.g. SUSPECTED_FRAUD, STOLEN_CARD, PICKUP_CARD) always abort and cannot be overridden
  },

  "notification": {
    "email": "me@my-email.co.za", // [optional] email notification on the pre-auth outcome
    "webhook_url": "https://merchant.example/webhooks/payments" // webhook on preauth.successful / preauth.failed / preauth.captured / preauth.reversed / preauth.expired
  },

  "metadata": {
    "order_id": "ord_98765" // [optional] custom key/value pairs returned on the pre-auth and webhooks
  }
}

Request Parameters

Fields below appear in the request body examples on this page. Y = required for all requests, C = required or applicable depending on usage.

Field	Required	Type	Description	Example
item	Y	Object	Hold amount and payer-facing details	See basic example
item.amount	Y	String	Amount to place on hold	349.00
item.title	N	String	Line item title, carried through as the default invoice line when the hold is captured with an invoice; defaults to `reference` when omitted	Booking deposit
item.description	N	String	Optional longer line item description	Room 12, 3 nights
currency	N	String(3)	ISO 4217 currency code. Default `ZAR`	`ZAR`
reference	Y	String(35)	Your reference for this pre-auth; appears on statements and reporting. Must be unique per pre-auth to support idempotent retries	INV-2026-00042
card_id	C	String(32)	Authorise this specific card only; the cascade is disabled. Omit to authorise the customer with cascade	crd_SFq2E9LskQimPkf2mRqnV
expires_in_days	N	Integer	Days before an uncaptured hold is automatically released (`1`–`30`; card scheme limits apply). Default `7`	7
items	N	Array	Invoice line items from your catalog, carried through as the default lines when the hold is captured with an invoice; overrides the default single line from `item`. Can be overridden at capture — see products	See advanced example
items.product_id	Y	String	Catalog product for this line	pro_abc123...
items.qty	N	Integer	Quantity for this line item (default `1`)	2
items.price_excl	N	Number	Override the default product amount (excluding tax)	300.23
cascade	N	Object	Cascade behaviour; ignored when `card_id` is passed	See advanced example
cascade.is_enabled	N	Boolean	When `false`, only the default card is attempted. Default `true`	true
cascade.max_attempts	N	Integer	Cap on the number of cards tried; defaults to all `ACTIVE` cards	3
cascade.card_order	N	Array	Explicit card order override; defaults to the default card first, then by priority	[crd_SFq2..., crd_9kLm...]
cascade.skip_codes	N	Array	Additional decline codes that abort the cascade instead of trying the next card. Hard declines (`SUSPECTED_FRAUD`, `STOLEN_CARD`, `PICKUP_CARD`) always abort and cannot be overridden — see lookups	[`DO_NOT_HONOUR`]
signature	N	String	Optional passphrase signature for verifying the payload	secret-key-for-payload
notification.email	N	String	Email address to notify on the pre-auth outcome	me@my-email.co.za
notification.webhook_url	N	String	Webhook URL for the pre-auth lifecycle events	https://merchant.example/webhooks/payments
metadata	N	Object	Custom key/value metadata returned on the pre-auth and webhooks	`{"order_id": "ord_98765"}`

Response Body

A pre-auth (pre_) wraps one or more card transactions (tra_). Every attempt — including declines — is a real transaction with its own identifier, listed in attempts in the order they were tried. The transaction_id of the successful attempt is the identifier you pass to the capture and reverse endpoints.

Example where the default card declined and the second card was authorised:

{
    "status": true,
    "result": {
      "id": "pre_Wt5RmK2xPqLv9nYcE7aBz",
      "customer_id": "cus_abc123...",
      "amount": "349.00",
      "currency": "ZAR",
      "reference": "INV-2026-00042",
      "pre_auth_status": "AUTHORISED",
      "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
      "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
      "attempts": [
        {
          "sequence": 1,
          "card_id": "crd_SFq2E9LskQimPkf2mRqnV",
          "is_default": true,
          "transaction_id": "tra_x9YtRw2QpLmN8vKcE3aBz",
          "transaction_status": "DECLINED",
          "error": {
            "code": "INSUFFICIENT_FUNDS",
            "message": "The transaction was declined due to insufficient funds"
          }
        },
        {
          "sequence": 2,
          "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
          "is_default": false,
          "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
          "transaction_status": "AUTHORISED"
        }
      ],
      "expires_at": "2026-07-13T10:15:30Z",
      "created_at": "2026-07-06T10:15:30Z"
    }
}

Example where all cards declined:

{
    "status": false,
    "result": {
      "id": "pre_Rk8NwT4yQmXz2pLvE9aBc",
      "customer_id": "cus_abc123...",
      "amount": "349.00",
      "currency": "ZAR",
      "reference": "INV-2026-00042",
      "pre_auth_status": "FAILED",
      "card_id": null,
      "transaction_id": null,
      "attempts": [
        {
          "sequence": 1,
          "card_id": "crd_SFq2E9LskQimPkf2mRqnV",
          "is_default": true,
          "transaction_id": "tra_x9YtRw2QpLmN8vKcE3aBz",
          "transaction_status": "DECLINED",
          "error": {
            "code": "INSUFFICIENT_FUNDS",
            "message": "The transaction was declined due to insufficient funds"
          }
        },
        {
          "sequence": 2,
          "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
          "is_default": false,
          "transaction_id": "tra_z2QpLvE9aBcRk8NwT4yQm",
          "transaction_status": "DECLINED",
          "error": {
            "code": "EXPIRED_CARD",
            "message": "The transaction was declined because the card has expired"
          }
        }
      ],
      "created_at": "2026-07-06T10:15:35Z"
    }
}

Response Parameters

Field	Type	Description	Example
status	Boolean	Whether the pre-auth succeeded	true
result.id	String(32)	Unique pre-auth identifier wrapping all cascade attempts	pre_Wt5RmK2xPqLv9nYcE7aBz
result.customer_id	String(32)	Associated customer ID	cus_abc123...
result.amount	String	Amount placed on hold	349.00
result.currency	String(3)	ISO 4217 currency code	`ZAR`
result.reference	String(35)	Your reference for this pre-auth	INV-2026-00042
result.pre_auth_status	ENUM	Overall pre-auth state: `AUTHORISED`, `FAILED`, `CAPTURED`, `REVERSED`, or `EXPIRED`, see lookups	`AUTHORISED`
result.card_id	String(32)	The card that was ultimately authorised; `null` when the pre-auth failed	crd_9kLmXw3RtYqPz8vNcE2aB
result.transaction_id	String(32)	The authorised transaction — pass this to the capture and reverse endpoints; `null` when the pre-auth failed	tra_pr6CvR_4pvWwmgQ4y3dtY
result.attempts	Array	Every card attempt in the order tried, including declines	...
result.attempts.sequence	Integer	Position of this attempt in the cascade	1
result.attempts.card_id	String(32)	Card attempted	crd_SFq2E9LskQimPkf2mRqnV
result.attempts.is_default	Boolean	Whether this card was the customer's default at the time of the pre-auth	true
result.attempts.transaction_id	String(32)	Transaction identifier for this attempt	tra_x9YtRw2QpLmN8vKcE3aBz
result.attempts.transaction_status	ENUM	Transaction status, see lookups	`DECLINED`
result.attempts.error.code	ENUM	Decline code when the attempt failed, see lookups	`INSUFFICIENT_FUNDS`
result.attempts.error.message	String	Human-readable decline reason	The transaction was declined due to insufficient funds
result.expires_at	String	ISO timestamp when the uncaptured hold is automatically released	2026-07-13T10:15:30Z
result.created_at	String	ISO timestamp when the pre-auth was created	2026-07-06T10:15:30Z

Capture Request

Capture (settle) a previously authorised hold by passing the transaction_id returned by the pre-auth request. The full held amount is captured by default; pass amount for a partial capture — any remaining held funds are automatically released. A pre-auth can be captured once, and only while its status is AUTHORISED.

Path

POST /card-vault/pre-auth/{transaction_id}/capture

Path Parameter	Type	Description	Example
transaction_id	String(32)	The authorised transaction returned by the pre-auth request	tra_pr6CvR_4pvWwmgQ4y3dtY

Example (Full capture)

Capture the full held amount. An empty body (or {}) is valid.

{
  "reference": "INV-2026-00042-CAP" // [optional] defaults to the pre-auth reference
}

Example (Partial capture with invoice)

Capture part of the hold; the remainder is released back to the cardholder.

When generating an invoice, the line items default to the item / items supplied on the pre-auth request. Pass a single item object or an items array here to override them — see Checkout Link for the same pattern. Overriding is recommended on partial captures so the invoice lines match the captured amount. When no item.title or items were supplied on either call, the invoice shows a single line using the pre-auth reference.

{
  "amount": "299.00", // [optional] must be <= the held amount; omit to capture in full
  "reference": "INV-2026-00042-CAP", // [optional] defaults to the pre-auth reference

  "signature": "secret-key-for-payload", // [optional] shared-secret signature for the payload, see the signature section below

  // Invoice line items — overrides the item / items supplied on the pre-auth;
  // pass item for a single free-form line, or items for catalog lines (mutually exclusive)
  "items": [
    {
      "product_id": "pro_abc123...",
      "qty": 2 // default 1 when omitted
    },
    {
      "product_id": "pro_xyz789...",
      "price_excl": 300.23 // override the default product amount
    }
  ],

  // Issue and optionally email an invoice for the captured amount
  "invoice": {
    "is_generate": true,
    "is_send": true // send paid invoice to the customer when true
  },

  "notification": {
    "email": "me@my-email.co.za", // [optional] email notification on the capture outcome
    "webhook_url": "https://merchant.example/webhooks/payments" // [optional] overrides the webhook URL supplied on the pre-auth
  }
}

Request Parameters

Field	Required	Type	Description	Example
amount	N	String	Amount to capture; must be less than or equal to the held amount. Omit to capture the full hold. Any uncaptured remainder is released	299.00
reference	N	String(35)	Your reference for the capture; defaults to the pre-auth reference	INV-2026-00042-CAP
item	N	Object	Single free-form invoice line when generating an invoice; overrides the lines supplied on the pre-auth. Mutually exclusive with `items`	`{"title": "Booking deposit"}`
item.title	C	String	Line item title shown on the invoice	Booking deposit
item.description	N	String	Optional longer line item description	Room 12, 3 nights
items	N	Array	Invoice line items from your catalog when generating an invoice; overrides the lines supplied on the pre-auth. Mutually exclusive with `item` — see products	See partial capture example
items.product_id	Y	String	Catalog product for this line	pro_abc123...
items.qty	N	Integer	Quantity for this line item (default `1`)	2
items.price_excl	N	Number	Override the default product amount (excluding tax)	300.23
signature	N	String	Optional passphrase signature for verifying the payload	secret-key-for-payload
invoice.is_generate	N	Boolean	Whether to generate an invoice for the captured amount	true
invoice.is_send	N	Boolean	Whether to send the paid invoice to the customer	true
notification.email	N	String	Email address to notify on the capture outcome	me@my-email.co.za
notification.webhook_url	N	String	Webhook URL for the capture outcome; overrides the URL supplied on the pre-auth	https://merchant.example/webhooks/payments

Response Body

{
    "status": true,
    "result": {
      "id": "pre_Wt5RmK2xPqLv9nYcE7aBz",
      "customer_id": "cus_abc123...",
      "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
      "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
      "pre_auth_status": "CAPTURED",
      "amount": "349.00",
      "captured_amount": "299.00",
      "released_amount": "50.00",
      "currency": "ZAR",
      "reference": "INV-2026-00042-CAP",
      "invoice_id": "inv_k2Jd8sLqPz...",
      "captured_at": "2026-07-08T09:20:00Z"
    }
}

Response Parameters

Field	Type	Description	Example
status	Boolean	Whether the capture succeeded	true
result.id	String(32)	The pre-auth this capture belongs to	pre_Wt5RmK2xPqLv9nYcE7aBz
result.customer_id	String(32)	Associated customer ID	cus_abc123...
result.transaction_id	String(32)	The captured transaction	tra_pr6CvR_4pvWwmgQ4y3dtY
result.card_id	String(32)	The card the funds were captured from	crd_9kLmXw3RtYqPz8vNcE2aB
result.pre_auth_status	ENUM	`CAPTURED` on success, see lookups	`CAPTURED`
result.amount	String	Original held amount	349.00
result.captured_amount	String	Amount settled	299.00
result.released_amount	String	Remainder of the hold released back to the cardholder	50.00
result.currency	String(3)	ISO 4217 currency code	`ZAR`
result.reference	String(35)	Reference used for the capture	INV-2026-00042-CAP
result.invoice_id	String(32)	Invoice identifier; present when `invoice.is_generate` was `true`	inv_k2Jd8sLqPz...
result.captured_at	String	ISO timestamp when the capture completed	2026-07-08T09:20:00Z

Reverse Request

Release a previously authorised hold without settling any funds, by passing the transaction_id returned by the pre-auth request. The full held amount is returned to the cardholder's available balance. A pre-auth can only be reversed while its status is AUTHORISED; expired holds are released automatically.

Path

POST /card-vault/pre-auth/{transaction_id}/reverse

Path Parameter	Type	Description	Example
transaction_id	String(32)	The authorised transaction returned by the pre-auth request	tra_pr6CvR_4pvWwmgQ4y3dtY

Example

An empty body (or {}) is valid.

{
  "reason": "Booking cancelled by customer", // [optional] recorded against the reversal for reporting

  "signature": "secret-key-for-payload", // [optional] shared-secret signature for the payload, see the signature section below

  "notification": {
    "email": "me@my-email.co.za", // [optional] email notification on the reversal outcome
    "webhook_url": "https://merchant.example/webhooks/payments" // [optional] overrides the webhook URL supplied on the pre-auth
  }
}

Request Parameters

Field	Required	Type	Description	Example
reason	N	String	Optional reason recorded against the reversal for reporting	Booking cancelled by customer
signature	N	String	Optional passphrase signature for verifying the payload	secret-key-for-payload
notification.email	N	String	Email address to notify on the reversal outcome	me@my-email.co.za
notification.webhook_url	N	String	Webhook URL for the reversal outcome; overrides the URL supplied on the pre-auth	https://merchant.example/webhooks/payments

Response Body

{
    "status": true,
    "result": {
      "id": "pre_Wt5RmK2xPqLv9nYcE7aBz",
      "customer_id": "cus_abc123...",
      "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
      "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
      "pre_auth_status": "REVERSED",
      "amount": "349.00",
      "released_amount": "349.00",
      "currency": "ZAR",
      "reference": "INV-2026-00042",
      "reversed_at": "2026-07-08T09:20:00Z"
    }
}

Response Parameters

Field	Type	Description	Example
status	Boolean	Whether the reversal succeeded	true
result.id	String(32)	The pre-auth this reversal belongs to	pre_Wt5RmK2xPqLv9nYcE7aBz
result.customer_id	String(32)	Associated customer ID	cus_abc123...
result.transaction_id	String(32)	The reversed transaction	tra_pr6CvR_4pvWwmgQ4y3dtY
result.card_id	String(32)	The card the hold was released from	crd_9kLmXw3RtYqPz8vNcE2aB
result.pre_auth_status	ENUM	`REVERSED` on success, see lookups	`REVERSED`
result.amount	String	Original held amount	349.00
result.released_amount	String	Amount released back to the cardholder	349.00
result.currency	String(3)	ISO 4217 currency code	`ZAR`
result.reference	String(35)	Your reference from the original pre-auth	INV-2026-00042
result.reversed_at	String	ISO timestamp when the reversal completed	2026-07-08T09:20:00Z

Signature creation

When creating API keys on the dashboard you can download a passphrase key, use it to generate your signature and send it in the signature parameter. The canonicalization and HMAC-SHA256 process is identical across all endpoints — see Checkout Link — Signature creation for Node.js, PHP, C#, Java, and Python examples.

Webhook

Webhooks are delivered to notification.webhook_url for each pre-auth lifecycle event when that field was supplied. Broader platform webhooks are configured separately if applicable. Webhooks fire once per pre-auth outcome, not per cascade attempt.

Possible event values include preauth.successful, preauth.failed, preauth.captured, preauth.reversed, and preauth.expired, listed under Webhook events.

Webhook Payload

{
  // preauth.successful · preauth.failed · preauth.captured · preauth.reversed · preauth.expired
  "event": "preauth.captured",
  "data": [
    {
      "pre_auth": {
        "id": "pre_Wt5RmK2xPqLv9nYcE7aBz",
        "customer_id": "cus_abc123...",
        "amount": "349.00",
        "captured_amount": "299.00", // present on preauth.captured
        "released_amount": "50.00", // present on preauth.captured / preauth.reversed / preauth.expired
        "currency": "ZAR",
        "reference": "INV-2026-00042-CAP",
        "pre_auth_status": "CAPTURED",
        "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
        "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
        "attempts": [
          {
            "sequence": 1,
            "card_id": "crd_SFq2E9LskQimPkf2mRqnV",
            "is_default": true,
            "transaction_id": "tra_x9YtRw2QpLmN8vKcE3aBz",
            "transaction_status": "DECLINED",
            "error": {
              "code": "INSUFFICIENT_FUNDS",
              "message": "The transaction was declined due to insufficient funds"
            }
          },
          {
            "sequence": 2,
            "card_id": "crd_9kLmXw3RtYqPz8vNcE2aB",
            "is_default": false,
            "transaction_id": "tra_pr6CvR_4pvWwmgQ4y3dtY",
            "transaction_status": "CAPTURED"
          }
        ],
        "invoice_id": "inv_k2Jd8sLqPz...",
        "metadata": {
          "order_id": "ord_98765"
        },
        "expires_at": "2026-07-13T10:15:30Z",
        "completed_at": "2026-07-08T09:20:00Z"
      }
    }
  ],
  "created_at": "2026-07-08T09:20:00Z"
}

Webhook Payload Parameters

Field	Type	Description	Example
event	String	Type of webhook event that occurred	preauth.captured
data	Array	Array containing pre-auth data	...
data.pre_auth.id	String(32)	Unique pre-auth identifier	pre_Wt5RmK2xPqLv9nYcE7aBz
data.pre_auth.customer_id	String(32)	Associated customer ID	cus_abc123...
data.pre_auth.amount	String	Original held amount	349.00
data.pre_auth.captured_amount	String	Amount settled; present on `preauth.captured`	299.00
data.pre_auth.released_amount	String	Amount released back to the cardholder; present on `preauth.captured`, `preauth.reversed`, and `preauth.expired`	50.00
data.pre_auth.currency	String(3)	ISO 4217 currency code	`ZAR`
data.pre_auth.reference	String(35)	Reference for this pre-auth or capture	INV-2026-00042-CAP
data.pre_auth.pre_auth_status	ENUM	Pre-auth state after the event, see lookups	`CAPTURED`
data.pre_auth.card_id	String(32)	The card that was authorised; `null` on failure	crd_9kLmXw3RtYqPz8vNcE2aB
data.pre_auth.transaction_id	String(32)	The authorised transaction; `null` on failure	tra_pr6CvR_4pvWwmgQ4y3dtY
data.pre_auth.attempts	Array	Every card attempt in the order tried, including declines	...
data.pre_auth.invoice_id	String(32)	Invoice identifier when `invoice.is_generate` was `true` on capture	inv_k2Jd8sLqPz...
data.pre_auth.metadata	Object	Custom key/value metadata supplied on create	`{"order_id": "ord_98765"}`
data.pre_auth.expires_at	String	ISO timestamp when the uncaptured hold is automatically released	2026-07-13T10:15:30Z
data.pre_auth.completed_at	String	ISO timestamp when the pre-auth reached the status for this event	2026-07-08T09:20:00Z
created_at	String	ISO timestamp when webhook was created	2026-07-08T09:20:00Z

Webhook Events

Event	Description	Trigger Condition	Data Included
`preauth.successful`	A hold was placed on one of the customer's cards	When any cascade attempt (or the specified `card_id`) is authorised	Pre-auth details, authorised transaction, full attempt history, hold expiry
`preauth.failed`	The pre-auth failed on all attempted cards	When all cascade attempts decline, a hard decline aborts the cascade, or the specified `card_id` declines	Pre-auth details, full attempt history with decline codes
`preauth.captured`	The hold was settled in full or in part	When a capture request completes	Pre-auth details, captured and released amounts, invoice when generated
`preauth.reversed`	The hold was released without settlement	When a reverse request completes	Pre-auth details, released amount
`preauth.expired`	The hold expired and was released automatically	When `expires_at` passes without a capture or reversal	Pre-auth details, released amount

Webhook Security

All webhooks are sent with the following headers for verification:

X-Signature: HMAC-SHA256 signature of the payload
X-Timestamp: Unix timestamp of when the webhook was sent
User-Agent: Kwik-Webhooks/1.0

Webhook Response

Your endpoint should respond with a 200 status code to acknowledge receipt. Failed webhooks will be retried up to 3 times with exponential backoff.

Card Vault Charge

Charge a customer's stored cards server-to-server. Attempts the default card first with automatic cascade to fallback cards, or targets a specific card. Supports merchant-initiated (MIT) scheme compliance, invoice issuance, and webhook notifications.

Payouts

Send money to customer bank accounts and manage outbound transfers. Create single or batch payouts with real-time status tracking, beneficiary management, and comprehensive transaction reporting.