Exirom Payment API Documentation

POST /api/v1/payments/card

Initiate a new card payment transaction. Charges the customer's card for the specified amount. Supports 3D Secure authentication when requested or required by the card issuer.

Guide: Initiating a Card Payment — conceptual walkthrough, flow diagrams, and integration patterns.

#Headers

Header	Value
`Content-Type`	`application/json`
`Authorization`	`Bearer {token}` — see Authentication

#Request Body Parameters

Field	Type	Required	Description
`requestId`	String	Yes	Unique identifier for the request. Used for idempotency — if you retry with the same `requestId`, the system will return the original response instead of processing a duplicate.
`mid`	String	Yes	Merchant account ID. Identifies which merchant account the transaction is associated with.
`card`	Object — See Card	Yes
`amount`	String	Yes	Transaction amount as a decimal string in major currency units (e.g. `"10.00"` = ten dollars). Values with more than two decimal places are automatically rounded.
`currency`	String	Yes	Three-letter ISO 4217 currency code (e.g. `USD`, `EUR`, `GBP`).
`lang`	String	No	Two-letter language code (e.g. `en`, `fr`, `de`) for localizing payment pages and customer-facing messages.
`callbackUrl`	String	No	Server-to-server webhook URL. Exirom sends a POST with the final transaction result to this URL. See Webhook Callbacks.
`successRedirectUrl`	String	No	URL to redirect the customer after a successful payment or 3D Secure authentication.
`failureRedirectUrl`	String	No	URL to redirect the customer after a failed payment or 3D Secure authentication.
`billingDetails`	Object — See BillingDetails	Yes
`order`	Object — See Order	Yes
`device`	Object — See Device	Yes
`kycVerified`	Boolean	No	Whether the customer has passed KYC (Know Your Customer) verification on your platform.
`previousPaymentCount`	Integer	No	Number of previous successful payments by this customer on your platform. Used for risk scoring.
`metadata`	Map<String, String>	No	Arbitrary key-value pairs for your own use (e.g. order reference, campaign ID). Returned unchanged in responses and callbacks.

Field	Type	Required	Description
`number`	String	Yes	Full card number (PAN). Must be a numeric string with no spaces or dashes. Handled securely and never stored in plaintext.
`cardHolderName`	String	No	Cardholder's name as printed on the card.
`expMonth`	String	Yes	Card expiration month in `MM` format (e.g. `"08"` for August).
`expYear`	String	Yes	Card expiration year in `YYYY` format (e.g. `"2027"`).
`cvv`	String	Yes	Card verification value (CVV/CVC) — the 3- or 4-digit security code on the card.
`requestThreeDSecure`	Boolean	Yes	Set to `true` to request 3D Secure authentication. Even if `false`, some card issuers may still require 3DS.

Field	Type	Required	Description
`externalUserId`	String	No	Your internal customer identifier. Useful for linking transactions to user accounts in your system.
`firstName`	String	No	Customer's first name. Required for 3DS2 frictionless flow.
`lastName`	String	No	Customer's last name. Required for 3DS2 frictionless flow.
`address1`	String	No	Billing street address (line 1). Required for 3DS2 frictionless flow.
`city`	String	No	Billing city. Required for 3DS2 frictionless flow.
`state`	String	No	Billing state or province.
`country`	String	No	Billing country as an ISO 3166-1 alpha-2 code (e.g. `US`, `GB`, `DE`).
`postalCode`	String	No	Billing ZIP or postal code.
`phone`	String	No	Customer's phone number (including country code). Required for 3DS2 frictionless flow.
`email`	String	Yes	Customer's email address.
`dateOfBirth`	String	No	Customer's date of birth in `YYYY-MM-DD` format. Required for 3DS2 frictionless flow.

Field	Type	Required	Description
`date`	String	No	Order date in ISO 8601 format (e.g. `2025-07-17`).
`orderId`	String	No	Your unique order identifier for reconciliation.
`title`	String	No	Order title or description (e.g. `"Monthly Subscription"`).
`siteId`	String	No	Identifier for the site or platform where the order originated.
`name`	String	No	Customer name associated with the order.
`domainName`	String	No	Domain where the order was placed (e.g. `"shop.example.com"`).

Field	Type	Required	Description
`deviceId`	String	No	Unique identifier for the customer's device, if you generate one.
`fingerprintData`	String	No	Device fingerprint hash for risk assessment and fraud prevention.
`ip`	String	No	Customer's IP address. Used for geolocation and risk scoring.
`accept`	String	No	Browser's `Accept` header value. Required for 3D Secure.
`acceptLanguage`	String	No	Browser's `Accept-Language` header. Required for 3D Secure.
`acceptHeader`	String	No	Alternative Accept header field. Required for 3D Secure if `accept` is not provided.
`userAgent`	String	No	Browser's `User-Agent` string.
`javaEnabled`	Boolean	No	Whether Java is enabled in the browser. Required for 3D Secure.
`javaScriptEnabled`	Boolean	No	Whether JavaScript is enabled. Required for 3D Secure.
`deviceLanguage`	String	No	Device's language setting (e.g. `en`). Required for 3D Secure.
`colorDepth`	String	No	Screen color depth (e.g. `"24"` for 24-bit). Required for 3D Secure.
`screenHeight`	String	No	Screen height in pixels. Required for 3D Secure.
`screenWidth`	String	No	Screen width in pixels. Required for 3D Secure.
`deviceTimezone`	String	No	Device timezone offset or name (e.g. `"America/New_York"`). Required for 3D Secure.

#Response

Field	Type	Description
`transactionId`	String	Unique transaction identifier assigned by Exirom. Use this ID to query status, retrieve info, or reference the transaction in support requests.
`transactionStatus`	String (NEW, PENDING, FAILED, REFUNDED, CUSTOMER_VERIFICATION, ...)	Current status of the transaction. See Transaction Status Guide for the full lifecycle.
`declineCode`	Integer	Numeric code indicating the reason for a decline. Only present when the transaction is `FAILED`. See Decline Codes Reference.
`challengeUrl`	String	URL to redirect the customer for 3D Secure authentication. Present when `transactionStatus` is `CUSTOMER_VERIFICATION`.
`challengeUrlIframe`	String	Embeddable 3D Secure challenge URL for iframe integration. Present when `transactionStatus` is `CUSTOMER_VERIFICATION`.
`paymentType`	String (CARD, APM)	Payment type identifier: `CARD` for card transactions, `APM` for alternative payment methods.

{
  "requestId": "req_abc123",
  "mid": "merchant_123",
  "card": {
    "number": "4111111111111111",
    "cardHolderName": "John Doe",
    "expMonth": "12",
    "expYear": "2027",
    "cvv": "123",
    "requestThreeDSecure": true
  },
  "amount": "100.00",
  "currency": "USD",
  "lang": "en",
  "callbackUrl": "https://yourserver.com/callback",
  "successRedirectUrl": "https://yourserver.com/callback",
  "failureRedirectUrl": "https://yourserver.com/callback",
  "billingDetails": {
    "externalUserId": "example_externalUserId",
    "firstName": "John",
    "lastName": "Doe",
    "address1": "123 Main St",
    "city": "New York",
    "state": "NY",
    "country": "US",
    "postalCode": "10001",
    "phone": "+12125551234",
    "email": "test@example.com",
    "dateOfBirth": "2025-07-17"
  },
  "order": {
    "date": "2025-07-17",
    "orderId": "ord_789",
    "title": "Product Purchase",
    "siteId": "site_001",
    "name": "John Doe",
    "domainName": "shop.example.com"
  },
  "device": {
    "deviceId": "example_deviceId",
    "fingerprintData": "example_fingerprintData",
    "ip": "192.168.1.1",
    "accept": "text/html,application/json",
    "acceptLanguage": "en-US,en;q=0.9",
    "acceptHeader": "text/html,application/json",
    "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36",
    "javaEnabled": true,
    "javaScriptEnabled": true,
    "deviceLanguage": "en",
    "colorDepth": "24",
    "screenHeight": "1080",
    "screenWidth": "1920",
    "deviceTimezone": "America/New_York"
  },
  "kycVerified": true,
  "previousPaymentCount": 12345,
  "metadata": {
    "key1": "value1"
  }
}

{
  "transactionId": "example_transactionId",
  "transactionStatus": "NEW",
  "declineCode": 12345,
  "challengeUrl": "https://yourserver.com/callback",
  "challengeUrlIframe": "https://yourserver.com/callback",
  "paymentType": "CARD"
}

Idempotency: The requestId field ensures idempotent processing. If you retry a request with the same requestId, the original response is returned without reprocessing.

#Error Responses

HTTP Status	Description
`400`	Bad Request — missing or invalid parameters. Check the response body for field-level details.
`401`	Unauthorized — missing, expired, or invalid bearer token. Re-authenticate via `POST /api/v1/auth`.
`404`	Not Found — the requested resource does not exist.
`500`	Internal Server Error — an unexpected error occurred. Retry with exponential backoff.

curl -X POST https://sandbox.api.exirom.com/api/v1/payments/card \
  -H "Content-Type: application/json" \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -d '{
  "requestId": "req_abc123",
  "mid": "merchant_123",
  "card": {
    "number": "4111111111111111",
    "cardHolderName": "John Doe",
    "expMonth": "12",
    "expYear": "2027",
    "cvv": "123",
    "requestThreeDSecure": true
  },
  "amount": "100.00",
  "currency": "USD",
  "lang": "en",
  "callbackUrl": "https://yourserver.com/callback",
  "successRedirectUrl": "https://yourserver.com/callback",
  "failureRedirectUrl": "https://yourserver.com/callback",
  "billingDetails": {
    "externalUserId": "example_externalUserId",
    "firstName": "John",
    "lastName": "Doe",
    "address1": "123 Main St",
    "city": "New York",
    "state": "NY",
    "country": "US",
    "postalCode": "10001",
    "phone": "+12125551234",
    "email": "test@example.com",
    "dateOfBirth": "2025-07-17"
  },
  "order": {
    "date": "2025-07-17",
    "orderId": "ord_789",
    "title": "Product Purchase",
    "siteId": "site_001",
    "name": "John Doe",
    "domainName": "shop.example.com"
  },
  "device": {
    "deviceId": "example_deviceId",
    "fingerprintData": "example_fingerprintData",
    "ip": "192.168.1.1",
    "accept": "text/html,application/json",
    "acceptLanguage": "en-US,en;q=0.9",
    "acceptHeader": "text/html,application/json",
    "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36",
    "javaEnabled": true,
    "javaScriptEnabled": true,
    "deviceLanguage": "en",
    "colorDepth": "24",
    "screenHeight": "1080",
    "screenWidth": "1920",
    "deviceTimezone": "America/New_York"
  },
  "kycVerified": true,
  "previousPaymentCount": 12345,
  "metadata": {
    "key1": "value1"
  }
}'

#Try It

SandboxTry it

https://sandbox.api.exirom.com/api·Production URL: contact your account manager

Auth Token

Example

Request Body