Credit Card

How to use CreditCard to submit a payin in Turkmenistan.

Payin by CreditCard

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

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

Payment detail	Description
Processing time	Instant
Refunds	Supported
Amount limit	The permitted amount is subject to the cardholder's available card limit and the card issuer's rules.

If the response contains a check_url, redirect the customer to the complete URL to finish the 3DS authentication flow.

Headers

Name	Type	Required	Description
Content-Type	string	Yes	Fixed value: application/json; charset=UTF-8.
Authorization	string	Yes	Basic authentication using Base64(app_id:security_key).

Request Body

Name	Type	Required	Constraints	Description
app_id	string	Yes	Use the App ID assigned by Pagsmile.	Merchant application ID.
region	string	Conditional	Fixed value: TKM. Required when using a Global app.	ISO 3166-1 alpha-3 country code for Turkmenistan.
out_trade_no	string	Yes	Maximum length: 64 characters. Must be unique for the merchant application.	Merchant order number.
method	string	Yes	Fixed value: CreditCard.	Payment method.
order_amount	decimal	Yes	Supports up to 2 decimal places. The permitted amount is subject to the cardholder's available card limit and the card issuer's rules.	Payment amount in TMT.
order_currency	string	Yes	Fixed value: TMT.	Payment currency.
subject	string	Yes	Maximum length: 128 characters.	Payment subject or order title.
content	string	No	Maximum length: 255 characters.	Payment description.
notify_url	string	Yes	Must be a valid URL. HTTPS is recommended.	Merchant endpoint that receives asynchronous payment notifications.
buyer_id	string	Yes	Maximum length: 128 characters.	Merchant-side customer ID.
timestamp	string	Yes	Format: yyyy-MM-dd HH:mm:ss.	Time at which the request is sent.
token	string	Yes	Must be an unused psct_ token generated within the previous hour.	One-time card token generated through the Tokenization API.
timeout_express	string	No	Supported formats: <number>m (minutes), <number>h (hours), <number>d (days), or 1c (end of the current day). A number without a unit is treated as minutes. Default: 90m. Minimum: 1m. Maximum: 15d.	Time allowed for the payment to move from the initial state to processing.
customer.email	string	No	Maximum length: 64 characters. Must be a valid email address when provided.	Cardholder's email address.

The card token expires one hour after it is generated and becomes invalid immediately after it is used. Generate a new token immediately before each payment request.

Responses

200: Submit successfully

{
  "code": "10000",
  "msg": "Success",
  "sub_code": "200",
  "sub_msg": "",
  "prepay_id": "UXNud****a9FcD",
  "trade_no": "2026****104",
  "out_trade_no": "out_trade_no_952****33",
  "web_url": "",
  "pay_url": "https://authentication-devices.sandbox.checkout.com/sess***tagfq",
  "trade_status": "PROCESSING",
  "check_url": "https://authentication-devices.sandbox.checkout.com/sess***tagfq"
}

400: Duplicate out_trade_no

{
  "code": "40002",
  "msg": "Business Failed",
  "sub_code": "duplicate-out_trade_no",
  "sub_msg": "out_trade_no is duplicate"
}

Example Request

{
  "app_id": "178****022",
  "out_trade_no": "out_trade_no_9525***833",
  "order_currency": "TMT",
  "method": "CreditCard",
  "region": "TKM",
  "order_amount": "123",
  "subject": "pagsmile test",
  "content": "pagsmile test",
  "timestamp": "2026-09-28 18:50:42",
  "notify_url": "https://merchant.example.com/payment/notify",
  "buyer_id": "buyer52023",
  "token": "psct_9c9c****1604c59",
  "timeout_express": "15d",
  "customer": {
    "email": "[e-mail]"
  }
}

Complete 3DS Authentication

When check_url is returned:

1. Redirect the customer's browser to the complete check_url returned by Pagsmile.

2. Do not construct or modify the URL or its query parameters.

3. Allow the customer to complete the 3DS authentication flow.

4. Use the payment notification or the Payin Detail API to determine the final payment status.

A response with code=10000 confirms that the payment request was accepted. trade_status=PROCESSING is not a final successful payment status. Wait for the asynchronous payment notification or query the Payin Detail API before delivering goods or services.