SmartCore API

Authorization

For authentication every merchant has MerchantKey and Secret.

We use Basic auth: with every request you must send header:

Authorization: Basic base64(${merchantKey}:${secret})

Content-Type: application/json

API

API URLs

PCI DSS requests: https://chd-api.smartcore.pro

Other requests: https://api-gateway.smartcore.pro

Test cards

Before a production account is issued, you will have a test account, use the following cards to test integration.

Payment transaction

Card	Result
4012000000003010	Frictionless Flow, Success
4003830171874018	Challenge Flow, Success or Fail
All Others	Fail

Withdrawal transaction

Card	Result
4012000000003010	Success
All Others	Fail

Create payment form

Generate link to a payment form. PCI DSS compliance from your side is not required. Customer inputs card details into our payment form.

Card Payment Form

Create payment form for card payments.

Google Pay transactions will be processed using Hosted Checkout.

HTTP Request

POST https://api-gateway.smartcore.pro/initPayment

curl --location 'https://api-gateway.smartcore.pro/initPayment' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxFormId_1015",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "customer_ip_address": "127.0.0.1",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir"
}'

{
  "ACSUrl": null,
  "MD": null,
  "TermUrl": null,
  "description": "",
  "status": 1,
  "form_url": "https://payment.smartcore.pro/64a7e106d46c5db10d082b13",
  "order_id": "sandboxFormId_1015",
  "responseType": "REDIRECT"
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	false	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer city
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
customer_ip_address	true	String	Customer IP Address
callback_url	false	String	Callback URL which receives notifications when transaction status changes
success_url	false	String	Redirect URL for successful transaction
fail_url	false	String	Redirect URL for failed transaction
status_url	false	String	Status URL

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
form_url	false	String	Redirect url
order_id	false	String	Processing Order ID in our system
err	false	String	Error reason

Mobile Commerce

Create payment form for mobile payments with prefilled phone number.

HTTP Request

POST https://api-gateway.smartcore.pro/initPayment

curl --location 'https://api-gateway.smartcore.pro/initPayment' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxFormId_1015",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "customer_ip_address": "127.0.0.1",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir",
    "form_prefilled_phone": "7122321576"
}'

{
  "ACSUrl": null,
  "MD": null,
  "TermUrl": null,
  "description": "",
  "status": 1,
  "form_url": "https://payment.smartcore.pro/64a7e106d46c5db10d082b13",
  "order_id": "sandboxFormId_1015",
  "responseType": "REDIRECT"
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	false	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer city
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
customer_ip_address	true	String	Customer IP Address
callback_url	false	String	Callback URL which receives notifications when transaction status changes
success_url	false	String	Redirect URL for successful transaction
fail_url	false	String	Redirect URL for failed transaction
status_url	false	String	Status URL
form_prefilled_phone	false	String	Phone number to be prefilled on payment form (example: 7122321576)

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
form_url	false	String	Redirect url
order_id	false	String	Processing Order ID in our system
err	false	String	Error reason

Create direct payment

Customer payment details are transferred from merchant to our server. PCI DSS compliance from your side is required.

Direct card payment

Process card payments directly without payment form.

HTTP Request

POST https://chd-api.smartcore.pro/initPaymentHost2Host

curl --location 'https://chd-api.smartcore.pro/initPaymentHost2Host' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "payment_method": "card",
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxId_1015",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "customer_ip_address": "127.0.0.1",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir",
    "card_holder": "John Doe",
    "card_number": "4012000000003010",
    "card_exp_month": "02",
    "card_exp_year": "25",
    "card_cvv": "123"
}'

{
  "form_url": "https://payment.smartcore.pro/64a7eec2d46c5db10d082b3d",
  "threeDSMethodData": null,
  "order_id": "sandboxId_1015",
  "status": 1,
  "stage": null,
  "description": "",
  "endDate": null,
  "responseType": "REDIRECT",
  "err": null,
  "msg": null,
  "paReq": null,
  "creq": null,
  "md": null,
  "termUrl": null,
  "acsurl": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	true	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer City
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
customer_ip_address	true	String	Customer IP Address
callback_url	false	String	Callback URL which receives notifications when transaction status changes
success_url	false	String	Redirect URL for successful transaction
fail_url	false	String	Redirect URL for failed transaction
status_url	false	String	Status URL
payment_method	false	String	Payment method (use "card" for card payments)
card_holder	true	String	Customer Card holder
card_number	true	String	Customer Card number
card_exp_month	true	String	Customer Card expiration month
card_exp_year	true	String	Customer Card expiration year
card_cvv	true	String	Customer Card cvv
recur_freq	false	Long	Payment frequency specifies the minimum number of days between authorizations
recur_exp	false	Long	Duration of periodic payments. After this date no authorization will be serviced. Should be specified according to ISO 8601, example: "2023-12-13T14:00:53.421Z"
browser_accept_header	false	String	Browser Accept Header
browser_user_agent	false	String	Browser User Agent
browser_java_enabled	false	Boolean	Is Java Enabled
browser_js_enabled	false	Boolean	Is Javascript Enabled
browser_color_depth	false	String	Browser Color Depth
browser_screen_height	false	String	Browser Screen Height
browser_screen_width	false	String	Browser Screen Width
browser_language	false	String	Browser Language
browser_time_zone	false	String	Browser Time Zone

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
form_url	false	String	Redirect url
order_id	false	String	Processing Order ID in our system
err	false	String	Error reason

Direct ApplePay DPan payment

Process ApplePay DPan payments directly.

HTTP Request

POST https://chd-api.smartcore.pro/initPaymentHost2Host

curl --location 'https://chd-api.smartcore.pro/initPaymentHost2Host' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "payment_method": "applePayDPan",
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxId_1015",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "customer_ip_address": "127.0.0.1",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir",
    "apple_pay_dpan": "eyJhcHBsaWNhdGlvblByaW1hcnlBY2NvdW50TnVtYmVyIjoiKioqIiwiYXBwbGljYXRpb25FeHBpcmF0aW9uRGF0ZSI6IioqKiIsImN1cnJlbmN5Q29kZSI6Ijk3OCIsInRyYW5zYWN0aW9uQW1vdW50IjoxMDAsImRldmljZU1hbnVmYWN0dXJlcklkZW50aWZpZXIiOiIqKioiLCJwYXltZW50RGF0YVR5cGUiOiIzRFNlY3VyZSIsInBheW1lbnREYXRhIjp7Im9ubGluZVBheW1lbnRDcnlwdG9ncmFtIjoiKioqIiwiZWNpSW5kaWNhdG9yIjoiNyJ9fQ==",
    "apple_pay_payment_method_network": "Visa"
}'

{
  "form_url": "https://payment.smartcore.pro/64a7eec2d46c5db10d082b3d",
  "threeDSMethodData": null,
  "order_id": "64a7eec2d46c5db10d082b3d",
  "status": 1,
  "stage": null,
  "description": "",
  "endDate": null,
  "responseType": "REDIRECT",
  "err": null,
  "msg": null,
  "paReq": null,
  "creq": null,
  "md": null,
  "termUrl": null,
  "acsurl": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	true	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer City
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
customer_ip_address	true	String	Customer IP Address
callback_url	false	String	Callback URL which receives notifications when transaction status changes
success_url	false	String	Redirect URL for successful transaction
fail_url	false	String	Redirect URL for failed transaction
status_url	false	String	Status URL
payment_method	true	String	Payment method (use "applePayDPan" for ApplePay DPan payments)
apple_pay_dpan	true	String	Base64 of decoded value of paymentData.data token field
apple_pay_payment_method_network	true	String	Value of paymentMethod.network token field
recur_freq	false	Long	Payment frequency specifies the minimum number of days between authorizations
recur_exp	false	Long	Duration of periodic payments. After this date no authorization will be serviced. Should be specified according to ISO 8601, example: "2023-12-13T14:00:53.421Z"
browser_accept_header	false	String	Browser Accept Header
browser_user_agent	false	String	Browser User Agent
browser_java_enabled	false	Boolean	Is Java Enabled
browser_js_enabled	false	Boolean	Is Javascript Enabled
browser_color_depth	false	String	Browser Color Depth
browser_screen_height	false	String	Browser Screen Height
browser_screen_width	false	String	Browser Screen Width
browser_language	false	String	Browser Language
browser_time_zone	false	String	Browser Time Zone

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
form_url	false	String	Redirect url
order_id	false	String	Processing Order ID in our system
err	false	String	Error reason

Direct GooglePay DPan payment

Process GooglePay DPan payments directly.

To process a payment by directly receiving a Google Pay token involves two steps. First, you need to integrate with Google Pay™ API. Second, you need to use our API to process the payment. The process of the integration is described below.

Google Pay™ API Integration

The process of integration with Google Pay™ API for web payments is fully described in Google Pay Web developer documentation, Google Pay Web integration checklist and Google Pay Web Brand Guidelines.

To integrate with Google Pay™, you need to implement PAYMENT_GATEWAY integration type.

If you are using Google Pay™ API for Android follow Google Pay Android developer documentation, Google Pay Android integration checklist and Google Pay Android brand guidelines.

Processing of the Google Pay™ is held in cooperation with PrimePay LLP.

const tokenizationSpecification = {
  type: 'PAYMENT_GATEWAY',
  parameters: {
    'gateway': 'primepay',
    'gatewayMerchantId': '<provided by PrimePay>'
  }
};

To get your integration approved by Google Pay™, ensure that you follow brand guidelines and fulfilled all the requirements.

3DS Authentication

There are two card authentication methods for Google Pay™:

PAN_ONLY - This authentication method is associated with payment cards stored on file with the user's Google Account. Returned payment data includes personal account number (PAN) with the expiration month and the expiration year.
CRYPTOGRAM_3DS - This authentication method is associated with cards stored as Android device tokens. Returned payment data includes a 3-D Secure (3DS) cryptogram generated on the device.

Processing forces all Google Pay™ transactions using the PAN_ONLY data type undergo 3D Secure authentication. No additional parameters are required for this process. Enabling 3D Secure ensures a liability shift and reduces payment risks for PAN_ONLY transactions.

API Integration

HTTP Request

POST https://chd-api.smartcore.pro/initPaymentHost2Host

curl --location 'https://chd-api.smartcore.pro/initPaymentHost2Host' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "payment_method": "googlePayDPan",
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxId_1015",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "customer_ip_address": "127.0.0.1",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir",
    "google_pay_dpan": "eyJzaWduYXR1cmUiOiIqKioiLCJpbnRlcm1lZGlhdGVTaWduaW5nS2V5Ijp7InNpZ25lZEtleSI6Insia2V5VmFsdWUiOiIqKioiLCJrZXlFeHBpcmF0aW9uIjoiMTcxMTQzNDQ1MjgzNiJ9Iiwic2lnbmF0dXJlcyI6WyIqKioiXX0sInByb3RvY29sVmVyc2lvbiI6IkVDdjIiLCJzaWduZWRNZXNzYWdlIjoieyJlbmNyeXB0ZWRNZXNzYWdlIjoiKioqIiwiZXBoZW1lcmFsUHVibGljS2V5IjoiKioqIiwidGFnIjoiKioqIn0ifQ",
    "google_pay_payment_method_network": "Visa"
}'

{
  "form_url": "https://payment.smartcore.pro/64a7eec2d46c5db10d082b3d",
  "threeDSMethodData": null,
  "order_id": "64a7eec2d46c5db10d082b3d",
  "status": 1,
  "stage": null,
  "description": "",
  "endDate": null,
  "responseType": "REDIRECT",
  "err": null,
  "msg": null,
  "paReq": null,
  "creq": null,
  "md": null,
  "termUrl": null,
  "acsurl": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	true	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer City
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
customer_ip_address	true	String	Customer IP Address
callback_url	false	String	Callback URL which receives notifications when transaction status changes
success_url	false	String	Redirect URL for successful transaction
fail_url	false	String	Redirect URL for failed transaction
status_url	false	String	Status URL
payment_method	true	String	Payment method (use "googlePayDPan" for GooglePay DPan payments)
google_pay_dpan	true	String	Base64 of decoded value of paymentMethodData.tokenizationData.token paymentMethodData field
google_pay_payment_method_network	true	String	Value of paymentMethodData.info.cardNetwork paymentMethodData field
recur_freq	false	Long	Payment frequency specifies the minimum number of days between authorizations
recur_exp	false	Long	Duration of periodic payments. After this date no authorization will be serviced. Should be specified according to ISO 8601, example: "2023-12-13T14:00:53.421Z"
browser_accept_header	false	String	Browser Accept Header
browser_user_agent	false	String	Browser User Agent
browser_java_enabled	false	Boolean	Is Java Enabled
browser_js_enabled	false	Boolean	Is Javascript Enabled
browser_color_depth	false	String	Browser Color Depth
browser_screen_height	false	String	Browser Screen Height
browser_screen_width	false	String	Browser Screen Width
browser_language	false	String	Browser Language
browser_time_zone	false	String	Browser Time Zone

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
form_url	false	String	Redirect url
order_id	false	String	Processing Order ID in our system
err	false	String	Error reason

Check transaction status

HTTP Request

POST https://api-gateway.smartcore.pro/check

curl --location 'https://api-gateway.smartcore.pro/check' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "order_id": "sandboxId_1015"
}'

{
  "order_id": "sandboxFormId_1015",
  "status": 2,
  "amount": 1000,
  "finalAmount": 900,
  "card": {
    "number": "401200******3010",
    "bin": "401200",
    "country": "Spain",
    "iso": "ESP",
    "type": "VISA"
  },
  "errorMessage": null,
  "cascadeErrors": null,
  "endDate": "2023-07-04T13:22:07.087Z",
  "authorize_status": null,
  "type": "Payment",
  "firstName": "John",
  "lastName": "Doe"
}

{
  "order_id": "sandboxFormId_1016",
  "status": -1,
  "amount": 1000,
  "finalAmount": 900,
  "card": {
    "number": "401200******3010",
    "bin": "401200",
    "country": "Spain",
    "iso": "ESP",
    "type": "VISA"
  },
  "errorMessage": "PLATFORM_ERROR_GATE_NOT_FOUND",
  "cascadeErrors": [
    {
      "gatePriority": 0,
      "errorCategory": "PLATFORM_ERROR_ANTIFRAUD_RULES"
    },
    {
      "gatePriority": 1,
      "errorCategory": "PLATFORM_ERROR_GATE_SKIPPED"
    },
    {
      "gatePriority": 2,
      "errorCategory": "PLATFORM_ERROR_CARD_BRAND_UNAVAILABLE"
    }
  ],
  "endDate": "2024-01-12T11:18:26.678Z",
  "authorize_status": null,
  "type": "Payment",
  "firstName": "John",
  "lastName": "Doe"
}

Request parameters

Parameter	Required	Type	Description
order_id	true	String	Merchant Order ID

Response parameters

Parameter	Required	Type	Description
status	false	Int	Transaction status
amount	false	Long	Amount
order_id	false	String	Merchant Order ID
err	false	String	Request Error reason
errorMessage	false	String	Transaction error reason
card.number	false	String	Card number
card.card_holder	false	String	Card holder
card.card_exp_month	false	String	Card expiration month (two digits)
card.card_exp_year	false	String	Card expiration year (two digits)
card.bin	false	String	Card first 6 or 8 digits
card.country	false	String	Card issuer country name
card.iso	false	String	Card issuer country alpha3 code
card.type	false	String	Card brand
cascadeErrors	false	String	Transaction error reasons for cascade
rrn	false	String	Transaction RRN
eci	false	String	Transaction ECI
lastName	false	String	Customer last name
firstName	false	String	Customer first name
type	false	String	Transaction type
parentTransaction	false	String	Payment transaction processing Order ID in our system (for Refund)

Transaction statuses

Status	Description
1	Processing
2	Success
-1	Fail
0	Waiting for redirect

Refund

Refund existing transaction.

HTTP Request

POST https://api-gateway.smartcore.pro/refund

curl --location 'https://api-gateway.smartcore.pro/refund' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "order_id": "sandboxId_1015",
    "amount": 1000,
    "reason": "refund"
}'

{
  "success": false,
  "message": "",
  "refund_id": "0719e590-1cda-11ee-82d1-a58ec416e4a2",
  "parentTransaction": "64a40ee3c4125fdb1d5cf635"
}

Parameter	Required	Type	Description
order_id	true	String	Merchant Order ID
amount	true	Long	Amount in Cents
reason	true	String	Refund Reason
callback_url	false	String	Callback URL which receives notifications when transaction status changes

Recurrent

Create recurrent payment from existing transaction.

HTTP Request

POST https://api-gateway.smartcore.pro/recurrent

curl --location 'https://api-gateway.smartcore.pro/recurrent' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "order_id": "sandboxRecurId_1015",
    "parent_order_id": "sandboxId_1015",
    "amount": 1000,
    "purpose": "test recurrent"
}'

{
  "success": true,
  "message": "",
  "form_url": "https://example.com/12345",
  "payment_id": "0719e590-1cda-11ee-82d1-a58ec416e4a2",
  "err": null
}

Parameter	Required	Type	Description
order_id	true	String	Merchant Order ID
parent_order_id	true	String	Merchant Order ID of Parent Transaction
amount	true	Long	Amount in Cents
purpose	true	String	Order Description
callback_url	false	String	Callback URL which receives notifications when transaction status changes
recur_period	false	String	Periodicity of subsequent recurring payments (possible values: 01 (daily), 03 (weekly), 06 (monthly), 09 (quarterly), 11 (annually))

Response parameters

Parameter	Required	Type	Description
success	false	Boolean	if false, use check status request to get final status
message	false	String	message
order_id	true	String	order_id from request
payment_id	false	String	internal recurrent id
err	false	String	Error message
form_url	false	String	URL link to 3DS

Callback

When transaction status changes, the system sends a POST request to the specified callback_url.

The request body will be sent as application/x-www-form-urlencoded:

Parameter	Required	Type	Description
orderId	true	String	Merchant Order ID
status	true	Int	Transaction status
amount	true	Long	Transaction amount in cents
finalAmount	false	Long	Final processed amount
currency	false	String	Currency (Alpha-3 code)
type	false	String	Transaction type (Payment, Refund, Withdrawal, etc.)
message	false	String	Status message
errorCategory	false	String	Error category if transaction failed
cascadeErrors	false	String	Cascade processing errors
isTrustedTransaction	false	String	Indicates trusted transaction
authorize_status	false	String	Authorization status
paymentPhoneNumber	false	String	Payment phone number
paymentPhoneOperator	false	String	Payment phone operator
eci	false	String	Electronic Commerce Indicator
firstName	false	String	Customer first name
lastName	false	String	Customer last name
rrn	false	String	Retrieval Reference Number
sign	true	String	Signature for validation

Transaction statuses:

Status	Description
2	Success
-1	Fail

Callback service logic

Your server must respond with:HTTP/1.1 200 OK

Signature generation (`sign`)

const { createHmac } = require("crypto");

function getSign(body, secret) {
  let params = [];
  Object.keys(body).sort().forEach(function(key) {
    params.push(body[key]);
  });
  return createHmac('sha256', secret).update(params.join('|')).digest('hex');
}

const body = {
  "orderId": "200004",
  "status": 2,
  "type": "Withdrawal",
  "message": "null",
  "cascadeErrors": "null",
  "isTrustedTransaction": "false",
  "amount": 10000,
  "finalAmount": 10000,
  "currency": "EUR",
  "authorize_status": "null",
  "eci": "null",
  "firstName": "null",
  "lastName": "null",
  "rrn": "null",
  "card_holder": "N/A",
  "card_number": "401200******3010",
  "card_exp_month": "N/A",
  "card_exp_year": "N/A",
}

const sign = getSign(body, process.env.MERCHANT_SECRET);
console.log(sign);

The signature is calculated using the HMAC-SHA256 algorithm.

All callback parameters are sorted by key in ascending order.
The parameter values are concatenated into a string, separated by |.
The resulting string is hashed using HMAC-SHA256 with the merchant's secret key.

Create withdrawal tokenization form

Create withdrawal tokenization form.

HTTP Request

POST https://api-gateway.smartcore.pro/withdrawal/tokenize-form

curl --location 'https://api-gateway.smartcore.pro/withdrawal/tokenize-form' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "account": "EUR-sandbox-payout",
    "order_id": "tokenizeOrderId_1050",
    "callback_url": "https://site.com/callback",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail"
}'

{
  "form_url": "https://payment.smartcore.pro/64a7eec2d46c5db10d082b3d",
  "threeDSMethodData": null,
  "order_id": "64a7eec2d46c5db10d082b3d",
  "status": 1,
  "stage": null,
  "description": "",
  "endDate": null,
  "responseType": "REDIRECT",
  "err": null,
  "msg": null
}

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
order_id	true	String	Merchant Order ID
callback_url	false	String	Callback URL
success_url	false	String	Success Redirect URL
fail_url	false	String	Fail Redirect URL

Create withdrawal transaction

Create money withdrawal to card, phone number or account.

Card withdrawal

Create withdrawal to card.

HTTP Request

POST https://chd-api.smartcore.pro/withdrawal/init

curl --location 'https://chd-api.smartcore.pro/withdrawal/init' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "account": "EUR-sandbox-payout",
    "order_id": "testPayout_1050",
    "amount": 10000,
    "payment_method": "card",
    "customer_card_number": "4123540003981114",
    "merchant_site": "https://merchant.site",
    "customer_first_name": "John",
    "customer_middle_name": "Jerom",
    "customer_last_name": "Doe",
    "customer_phone": "+442079460612",
    "customer_birthdate": "06.06.1997",
    "customer_zip_code": "121165",
    "callback_url": "https://site.com/callback"
}'

{
  "order_id": "testPayout_1050",
  "status": 1,
  "card": {
    "number": "401200******3010",
    "bin": "401200",
    "country": "Spain",
    "iso": "ESP",
    "type": "VISA"
  },
  "err": null,
  "msg": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
order_id	true	String	Merchant Order ID
purpose	false	String	Order description
merchant_site	false	String	Merchant Site URL
customer_card_number	true	String	Customer card number
customer_card_exp_month	false	String	Customer Card Expiration Month
customer_card_exp_year	false	String	Customer Card Expiration Year
customer_first_name	false	String	Customer First Name
customer_last_name	false	String	Customer Last Name
customer_middle_name	false	String	Customer Middle Name
customer_phone	false	String	Customer Phone
customer_birthdate	false	String	Customer Birthdate
customer_country	false	String	Customer Country Code
customer_zip_code	false	String	Customer Zip Code
callback_url	false	String	Callback URL which receives notifications when transaction status changes
payment_method	true	String	Payment method (use "card" for card withdrawals)
customer_ip_address	false	String	Customer IP Address

Mobile phone withdrawal

Create withdrawal to mobile phone balance.

HTTP Request

POST https://api-gateway.smartcore.pro/withdrawal/init

curl --location 'https://api-gateway.smartcore.pro/withdrawal/init' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "account": "EUR-sandbox-payout",
    "order_id": "testPayout_1050",
    "amount": 10000,
    "payment_method": "phoneBalance",
    "phone_withdrawal": "79123456789",
    "customer_first_name": "John",
    "customer_middle_name": "Jerom",
    "customer_last_name": "Doe",
    "customer_phone": "+442079460612",
    "customer_birthdate": "06.06.1997",
    "customer_zip_code": "121165",
    "callback_url": "https://site.com/callback"
}'

{
  "order_id": "testPayout_1050",
  "status": 1,
  "err": null,
  "msg": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
order_id	true	String	Merchant Order ID
purpose	false	String	Order description
customer_first_name	false	String	Customer First Name
customer_last_name	false	String	Customer Last Name
customer_middle_name	false	String	Customer Middle Name
customer_phone	false	String	Customer Phone
customer_birthdate	false	String	Customer Birthdate
customer_country	false	String	Customer Country Code
customer_zip_code	false	String	Customer Zip Code
callback_url	false	String	Callback URL which receives notifications when transaction status changes
payment_method	true	String	Payment method (use "phoneBalance" for mobile phone withdrawals)
phone_withdrawal	true	String	Phone number for withdrawal
customer_ip_address	false	String	Customer IP Address

Token withdrawal

Create withdrawal using previously tokenized card.

HTTP Request

POST https://api-gateway.smartcore.pro/withdrawal/init

curl --location 'https://api-gateway.smartcore.pro/withdrawal/init' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "account": "EUR-sandbox-payout",
    "order_id": "testPayout_1050",
    "amount": 10000,
    "payment_method": "token",
    "tokenize_transaction_order_id": "tokenizeOrderId_1050",
    "customer_first_name": "John",
    "customer_middle_name": "Jerom",
    "customer_last_name": "Doe",
    "customer_phone": "+442079460612",
    "customer_birthdate": "06.06.1997",
    "customer_zip_code": "121165",
    "callback_url": "https://site.com/callback"
}'

{
  "order_id": "testPayout_1050",
  "status": 1,
  "err": null,
  "msg": null
}

Request parameters

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
order_id	true	String	Merchant Order ID
purpose	false	String	Order description
tokenize_transaction_order_id	true	String	order_id, passed when creating the form for card tokenization
customer_first_name	false	String	Customer First Name
customer_last_name	false	String	Customer Last Name
customer_middle_name	false	String	Customer Middle Name
customer_phone	false	String	Customer Phone
customer_birthdate	false	String	Customer Birthdate
customer_country	false	String	Customer Country Code
customer_zip_code	false	String	Customer Zip Code
callback_url	false	String	Callback URL which receives notifications when transaction status changes
payment_method	true	String	Payment method (use "token" for token withdrawals)
customer_ip_address	false	String	Customer IP Address

Response parameters

Parameter	Required	Type	Description
status	true	Int	Transaction status
processing_order_id	false	String	Processing Order ID in our system
order_id	false	String	Merchant Order ID
err	false	String	Error reason
card.number	false	String	Card number
card.bin	false	String	Card first 6 or 8 digits
card.country	false	String	Card issuer country name
card.iso	false	String	Card issuer country alpha3 code
card.type	false	String	Card brand

Get withdrawal balance

Get available withdrawal balance.

HTTP Request

POST https://api-gateway.smartcore.pro/withdrawal/balance/get

curl --location 'https://api-gateway.smartcore.pro/withdrawal/balance/get' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "account": "EUR-sandbox-payout"
}'

{
  "balance": 10000,
  "holdBalance": 0,
  "rollingBalance": 0
}

Parameter	Required	Type	Description
account	true	String	Merchant Account Name

Create authorize-capture payment

Create two-step payment with authorization and capture.

HTTP Request

POST https://chd-api.smartcore.pro/authorize

curl --location 'https://chd-api.smartcore.pro/authorize' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data-raw '{
    "account": "EUR-sandbox",
    "amount": 1000,
    "currency": "EUR",
    "order_id": "sandboxId_1016",
    "merchant_site": "https://merchant.site",
    "recurrent": false,
    "purpose": "description",
    "customer_first_name": "John",
    "customer_last_name": "Doe",
    "customer_address": "10 Downing Street",
    "customer_city": "London",
    "customer_zip_code": 121165,
    "customer_country": "GB",
    "customer_phone": "+442079460612",
    "customer_email": "[email protected]",
    "success_url": "https://site.com/success",
    "fail_url": "https://site.com/fail",
    "callback_url": "https://site.com/callback",
    "status_url": "https://site.com/redir",
    "card_holder": "John Doe",
    "card_number": "4012000000003010",
    "card_exp_month": "02",
    "card_exp_year": "25",
    "card_cvv": "123"
}'

{
  "form_url": "https://payment.smartcore.pro/64a7eec2d46c5db10d082b3d",
  "threeDSMethodData": null,
  "order_id": "64a7eec2d46c5db10d082b3d",
  "status": 1,
  "stage": null,
  "description": "",
  "endDate": null,
  "responseType": "REDIRECT",
  "err": null,
  "msg": null,
  "paReq": null,
  "creq": null,
  "md": null,
  "termUrl": null,
  "acsurl": null
}

Parameter	Required	Type	Description
account	true	String	Merchant Account Name
amount	true	Long	Amount in Cents
currency	true	String	Currency Alpha3 Code
order_id	true	String	Merchant Order ID
merchant_site	true	String	Merchant Site URL
recurrent	false	Boolean	Is Recurrent Payment
purpose	false	String	Order Description
customer_first_name	true	String	Customer First Name
customer_last_name	true	String	Customer Last Name
customer_address	true	String	Customer Address
customer_city	true	String	Customer City
customer_zip_code	true	String	Customer Zip Code
customer_country	true	String	Customer Country Code
customer_phone	true	String	Customer Phone
customer_email	true	String	Customer Email
success_url	false	String	Redirect URL for Successful Transaction
fail_url	false	String	Redirect URL for Failed Transaction
callback_url	false	String	Callback URL which receives notifications when transaction status changes
status_url	false	String	Status URL
card_holder	true	String	Customer Card Holder
card_number	true	String	Customer Card Number
card_exp_month	true	String	Customer Card Expiration Month
card_exp_year	true	String	Customer Card Expiration Year
card_cvv	true	String	Customer Card CVV

Capture authorize-capture payment

Capture authorized payment. Capture operation can return a pending status for the transaction. In such cases, you can wait for callback or use the /check endpoint to obtain the current status of the transaction.

HTTP Request

POST https://api-gateway.smartcore.pro/capture

curl --location 'https://api-gateway.smartcore.pro/capture' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "order_id": "sandboxId_1016"
}'

{
  "order_id": "66f55a03b2eb068a084168c2",
  "status": 2
}

Parameter	Required	Type	Description
order_id	true	String	Merchant Order ID
amount	false	String	Capture Amount in Cents

Cancel authorize-capture payment

Cancel authorized payment. Cancel operation can return a pending status for the transaction. In such cases, you can wait for callback or use the /check endpoint to obtain the current status of the transaction.

HTTP Request

POST https://api-gateway.smartcore.pro/cancel

curl --location 'https://api-gateway.smartcore.pro/cancel' \
--header 'Content-Type: application/json' \
--header 'Authorization: Basic dGVzdDpxd2VydHk=' \
--data '{
    "order_id": "sandboxId_1016"
}'

{
  "order_id": "66f40c8fb6ff9364083fc9a5",
  "status": -1
}

Parameter	Required	Type	Description
order_id	true	String	Merchant Order ID

Dictionary

Transaction Error codes

code	Description
PROCESSING_ERROR	An error that has not fallen under any of the categories
AUTHENTICATION_PROCESSING_ERROR	Authentication error during processing 3DS level
DO_NOT_HONOUR_PROCESSING_ERROR	Rejection by anti fraud system
EMITTER_DENIAL_PROCESSING_ERROR	Rejection by the issuer
FORM_TIMEOUT_PROCESSING_ERROR	The buyer has not passed the card data entry form
INSUFFICIENT_FUNDS_PROCESSING_ERROR	Insufficient funds on the card
LIMIT_PROCESSING_ERROR	limits validating error on the bank side
PROCESSOR_DENIAL_PROCESSING_ERROR	Processing error on the payment gateway side
3DS_REDIRECT_TIMEOUT_PROCESSING_ERROR	The customer has not visited the 3DS page
3DS_TIMEOUT_PROCESSING_ERROR	The customer has not returned from the 3DS processing
TECHNICAL_PROCESSING_ERROR	Technical error on the side of the payment gateway
VALIDATION_PROCESSING_ERROR	Data validating error at the gateway level
PLATFORM_ERROR_DUPLICATED_ORDER_ID	error related to the fact that the ID that is sent is already in the system.
PLATFORM_ERROR_ERROR_GATE_EXCHANGE_NOT_ALLOWED	error related to the amount of conversion to another currency, error on our side
PLATFORM_ERROR_GATE_NOT_FOUND	operation could not find a gate to pass the operation
PLATFORM_ORDER_BILLING_ERROR	errors not falling under internal categories
CARD_TIME_LIMIT_PROCESSING_ERROR	Limit on Minimum time between card transactions 60 seconds
3DS Redirect Timeout	inactivity on payment, or the client did not click on the link or the bank did not respond to us.
3DS_CANCEL_PROCESSING_ERROR	User clicked "Cancel" button on 3DS page

Transaction statuses

Status	Description
1	Processing
2	Success
-1	Fail
0	Waiting for redirect

SmartCore API

Authorization

API

API URLs

Test cards

Payment transaction

Withdrawal transaction

Create payment form

Card Payment Form

HTTP Request

Request parameters

Response parameters

Mobile Commerce

HTTP Request

Request parameters

Response parameters

Create direct payment

Direct card payment

HTTP Request

Request parameters

Response parameters

Direct ApplePay DPan payment

HTTP Request

Request parameters

Response parameters

Direct GooglePay DPan payment

Google Pay™ API Integration

3DS Authentication

API Integration

HTTP Request

Request parameters

Response parameters

Check transaction status

HTTP Request

Request parameters

Response parameters

Transaction statuses

Refund

HTTP Request

Recurrent

HTTP Request

Response parameters

Callback

Callback service logic

Signature generation (sign)

Create withdrawal tokenization form

HTTP Request

Create withdrawal transaction

Card withdrawal

HTTP Request

Request parameters

Mobile phone withdrawal

HTTP Request

Request parameters

Token withdrawal

HTTP Request

Request parameters

Response parameters

Get withdrawal balance

HTTP Request

Create authorize-capture payment

HTTP Request

Capture authorize-capture payment

HTTP Request

Cancel authorize-capture payment

HTTP Request

Dictionary

Transaction Error codes

Transaction statuses

Signature generation (`sign`)