← Card Verification Scheduled Merchant-Initiated Transaction scenario →

# Cardholder-initiated Transaction scenario

Cardholder can initiate transaction using stored credentials. Below, decribes a possible scenario

# Step 1
- Cardholder buy an item from your store for the first time and agrees to place their card on file with the merchant.
- The cardholder performs a payment by entering full card details.
- If the merchant is PCI SAQ-D Compliant, he can perform a full card payment else he should perform the payment using a payment-nonce.

TIP

For more information on payment using full card details, please refer to this page.
For more information on payment using payment nonce, please refer to this page.

Note

For PCI SAQ-D merchants, they might choose to save the full card details on their servers.
For non PCI merchants, they might choose to save the Payer details and associated payer.funding_instrument.credit_card.id.

# Step 2
- A cardholder return to the store and buy an item.
- At checkout the merchant has the ability of proposing the cardholder to choose from either performing the payment using a saved card or by entering complete card details.
- If the cardholder choose to use stored card details, use our payer endpoint to retrieve the card information.

# For PCI SAQ-D merchants

If the merchant is PCI SAQ-D Compliant, they will perform a full card payment with the flag payer.funding_instrument.credit_card.stored: true set to true. (note that CVV is not stored and needs to be entered by the Payer)

# Authorize a subsequent payment using full card details

Request example

Shell
JavaScript

curl -X POST \
  https://api.ompay.com/v1/merchants/w3z8dfhkzvfq0j9n/payment \
  -H 'authorization: Basic ODZidWQ0Y2JremlxOXZmYzoweHI1ZDkwOHo2bmo4a2h6' \
  -H 'content-type: application/json' \
  -d '{
		"intent": "auth",
		"payer": {
			"payment_type": "CC",
			"funding_instrument": {
				"credit_card": {
					"number": "4543474002249996",
					"expire_month": "06",
					"expire_year": "2025",
					"cvv2": "956",
					"name": "Tom Hanks",
					"stored":true
				}
			},
			"payer_info": {
				"email": "tomhank@gmail.com",
				"name": "Tom Hanks",
				"billing_address": {
					"line1": "18 Avenue",
					"line2": "cassidy",
					"city": "Rose-Hill",
					"country_code": "mu",
					"postal_code": "72101",
					"state": "",
					"phone": {
						"country_code": "230",
						"number": "57976041"
					}
				}
			}
		},
		"payee": {
			"email": "mail@test.com",
			"merchant_id": "w3z8dfhkzvfq0j9n"
		},
		"transaction": {
			"type": "1",
			"amount": {
				"currency": "USD",
				"total": "300"
			},
			"invoice_number": "123455",
			"items": [{
					"sku": "100299S",
					"name": "Ultrawatch",
					"description": "Smart watch",
					"quantity": "1",
					"price": "500",
					"shipping": "20",
					"currency": "USD",
					"url": "",
					"image": "",
					"tangible": "true"
				},
				{
					"sku": "100269S",
					"name": "Drone",
					"description": "drone x",
					"quantity": "1",
					"price": "500",
					"shipping": "20",
					"currency": "USD",
					"url": "",
					"image": "",
					"tangible": "true"
				}
			]
		}
	}'

Response example

	{
		"id": "2JHY1CB6CR8N0FZK43WU",
		"reference_id": "2JHY1CB6CR8N0FZK43WU",
		"state": "authorised",
		"result": {
			"authorisation_code": "590622",
			"code": "0000",
			"description": "Approved"
		},
		"intent": "AUTH",
		"payer": {
			"payment_type": "CC",
			"funding_instrument": {
				"credit_card": {
					"id": "20abc6eb-35fd-427e-b57e-c7eea99dd423",
					"type": "Visa",
					"expire_month": 6,
					"expire_year": 2025,
					"name": "Tom Hanks",
					"cvv_check": "Y",
					"avs_check": "S",
					"last4": "9996",
					"bin": "454347",
					"bin_data": {
						"bin": "454347",
						"country_code": "MU",
						"country_name": "Mauritius",
						"bank_name": "MCB",
						"card_scheme": "Visa",
						"card_type": "Credit",
						"card_category": "1"
					}
				}
			},
			"payer_info": {
				"id": "35d4d1ec-4f9d-416d-acdc-d12f4bf0c6df",
				"email": "tomhank@gmail.com",
				"name": "Tom Hanks",
				"billing_address": {
					"phone": {
						"country_code": "230",
						"number": "57976041"
					},
					"line1": "18 Avenue",
					"line2": "cassidy",
					"city": "Rose-Hill",
					"country_code": "MU",
					"postal_code": "72101",
					"state": ""
				}
			}
		},
		"transaction": {
			"amount": {
				"currency": "USD",
				"total": "300"
			},
			"type": "1",
			"mode": "1",
			"items": [
				{
					"sku": "100299S",
					"name": "Ultrawatch",
					"description": "Smart watch",
					"quantity": "1",
					"price": "500",
					"shipping": "",
					"url": ""
				},
				{
					"sku": "100269S",
					"name": "Drone",
					"description": "drone x",
					"quantity": "1",
					"price": "500",
					"shipping": "",
					"url": ""
				}
			],
			"shipping_address": {
				"phone": {}
			},
			"invoice_number": "123455"
		},
		"custom": {},
		"risk_check": true,
		"three_d": {},
		"create_time": "2023-06-09T18:07:37Z",
		"subscriptions": null
	}

# For Non PCI merchants

if the merchant is not PCI SAQ-D and uses our Vault to store credit card details. The merchant will need to specify the credit_card_id retrieved and stored from the initial payment.

# Step 1: Retrieve payers associated cards