DebitCard
This page describes how to submit an India DebitCard payment with a vault token.
For India DebitCard vault payments, merchants need to tokenize the customer's card first, create a vault token with the returned card token, and then submit the Payin request with the vault token.
Step 1: Tokenize the Card
Tokenize the customer's card information and obtain a card token.
Endpoint
POST https://security-test.pagsmile.com/card/tokenize
Request Body
app_id
string
Required
Max 32 chars.
The merchant application ID assigned by Pagsmile.
format
string
Required
Fixed value: JSON.
Request format.
version
string
Required
Fixed value: 2.0.
API version.
timestamp
string
Required
Format: yyyy-MM-dd HH:mm:ss. Max 19 chars.
Request timestamp.
card.card_no
string
Required
-
Card number.
card.issuer
string
Required
Example: visa.
Card issuer.
card.holder.name
string
Required
-
Cardholder name.
card.cvv
string
Required
-
Card CVV.
card.valid_thru_year
string
Required
Format: yyyy.
Card expiration year.
card.valid_thru_month
string
Required
Format: MM.
Card expiration month.
Request Sample
Response
Step 2: Create a Vault Token
Use the card token returned from Step 1 to create a vault token.
Endpoint
POST https://gateway-test.pagsmile.com/vault/create
Request Body
app_id
string
Required
Max 32 chars.
The merchant application ID assigned by Pagsmile.
timestamp
string
Required
Format: yyyy-MM-dd HH:mm:ss. Max 19 chars.
Request timestamp.
version
string
Optional
Fixed value: 2.0, if provided.
API version. Use the value provided by Pagsmile if required.
type
string
Required
Fixed value: Card.
Payment type.
card_token.region
string
Required
Fixed value: IND.
Card token region.
card_token.method
string
Required
Fixed value: DebitCard.
Card token payment method.
card_token.uid
string
Required
Merchant-generated user ID.
The unique user ID generated by the merchant.
card_token.token
string
Required
Returned from Step 1.
The card token returned from Step 1.
card_token.notify_url
string
Required
Valid URL.
The URL used to receive asynchronous notifications.
Request Sample
Response
Step 3: Submit Payin with Vault Token
Use the vault token returned from Step 2 to submit the India DebitCard Payin request.
For India DebitCard vault payments, capture is not completed immediately after order creation. It usually takes around 36 hours from order creation to capture. The actual capture time may be delayed when banks are under high processing pressure.
Endpoint
POST https://gateway-test.pagsmile.com/trade/pay
Request Body
app_id
string
Optional
Max 32 chars.
The merchant application ID assigned by Pagsmile.
out_trade_no
string
Optional
Max 64 chars.
The unique order number generated by the merchant.
method
string
Optional
Fixed value: DebitCard.
Payment method.
order_amount
string
Optional
Range: 0.1–9999999.
The order amount.
order_currency
string
Optional
Fixed value: INR.
Order currency.
vault_token
string
Optional
Returned from Create Vault.
The vault token returned from Step 2.
subject
string
Optional
Max 128 chars.
The order subject.
content
string
Optional
Max 255 chars.
The order description.
trade_type
string
Optional
Fixed value: API.
Trade type.
notify_url
string
Optional
Valid URL.
The URL used to receive asynchronous payment notifications.
return_url
string
Optional
Valid URL.
The URL to redirect the customer after payment.
buyer_id
string
Optional
Merchant-generated user ID.
The unique customer ID generated by the merchant.
timestamp
string
Optional
Format: yyyy-MM-dd HH:mm:ss. Max 19 chars.
Request timestamp.
timeout_express
string
Optional
-
Payment expiration time.
customer.name
string
Required
-
Customer's name.
customer.email
string
Required
Valid email address.
Customer's email address.
customer.phone
string
Required
-
Customer's phone number.
address.zip_code
string
Required
-
Customer's ZIP code.
Request Sample
Response
Refund
Refund is supported for this payment method.
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