CreditCard

How to use CreditCard to submit a payin in India.

Payin by CreditCard

This endpoint allows you to submit a payin by CreditCard in India.

CreditCard payins in India require card tokenization before submitting the payin request.

CreditCard payins in India support refund.

---

Step 1: Tokenize Card

POST https://security.pagsmile.com/card/tokenize

Use this endpoint to tokenize the card information. The returned token is required when submitting the CreditCard payin.

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Yes	-	The merchant application ID assigned by Pagsmile.
format	string	Yes	Fixed value: JSON	Request format.
version	string	Yes	Fixed value: 2.0	API version.
timestamp	string	Yes	Format: yyyy-MM-dd HH:mm:ss	Request timestamp.
card.card_no	string	Yes	-	Card number.
card.issuer	string	Yes	Example: visa	Card issuer.
card.holder.name	string	Yes	-	Cardholder name.
card.cvv	string	Yes	-	Card CVV.
card.valid_thru_year	string	Yes	Format: yyyy	Card expiration year.
card.valid_thru_month	string	Yes	Format: MM	Card expiration month.

Request Sample

{
  "app_id": "162************43",
  "format": "JSON",
  "version": "2.0",
  "timestamp": "2026-06-15 14:18:10",
  "card": {
    "card_no": "48************88",
    "issuer": "visa",
    "holder": {
      "name": "user name"
    },
    "cvv": "***",
    "valid_thru_year": "2039",
    "valid_thru_month": "12"
  }
}

Response

{
  "code": "10000",
  "msg": "Success",
  "token": "psct_cc7********a83"
}

---

Step 2: Submit a Payin

POST https://gateway.pagsmile.com/trade/pay

Use the token returned from Step 1 to submit a CreditCard payin.

Request Body

Parameter	Type	Required	Constraints	Description
app_id	string	Yes	-	The merchant application ID assigned by Pagsmile.
out_trade_no	string	Yes	Must be unique	The merchant-side order ID.
method	string	Yes	Fixed value: CreditCard	Payment method.
order_amount	string	Yes	Supports up to 2 decimal places	Payment amount.
order_currency	string	Yes	Fixed value: INR	Payment currency.
token	string	Yes	-	The card token returned from the tokenization request.
subject	string	Yes	-	Order title or product name.
content	string	No	-	Order description.
trade_type	string	Yes	Fixed value: API	Trade type.
notify_url	string	No	Valid URL	The URL used to receive asynchronous payment notifications.
return_url	string	No	Valid URL	The URL to redirect the customer after payment.
buyer_id	string	No	-	The unique customer ID in the merchant system.
timestamp	string	Yes	Format: yyyy-MM-dd HH:mm:ss	Request timestamp.
timeout_express	string	No	Example: 12300m	Payment timeout period.
customer.name	string	Yes	-	Customer name.
customer.email	string	Yes	Valid email address	Customer email address.
customer.phone	string	Yes	Valid phone number	Customer phone number.
address.zip_code	string	Yes	-	Customer ZIP code.

Request Sample

{
  "app_id": "162************43",
  "out_trade_no": "out_tr********800",
  "method": "CreditCard",
  "order_amount": "1.04",
  "order_currency": "INR",
  "token": "psct_794********38",
  "subject": "trade pay test",
  "content": "trade pay test content",
  "trade_type": "API",
  "notify_url": "http://demo.gemini-tiger.cn/callback/success",
  "return_url": "https://www.pag.com",
  "buyer_id": "5201005",
  "timestamp": "2026-06-15 15:49:34",
  "timeout_express": "12300m",
  "customer": {
    "name": "test user",
    "email": "[e-mail]",
    "phone": "91********49"
  },
  "address": {
    "zip_code": "303503"
  }
}

Response

{
  "code": "10000",
  "msg": "Success",
  "sub_code": "200",
  "sub_msg": "",
  "prepay_id": "NDd********B0c4",
  "trade_no": "2026********28",
  "out_trade_no": "out_tr********300",
  "web_url": "",
  "pay_url": "https://api.razorpay.com/********pLrQ6E",
  "trade_status": "PROCESSING",
  "check_url": "https://api.razorpay.com/********pLrQ6E"
}