Card Charge With OTP
A 4-step recipe with Moniepoint. We can help you get access.
Recipe · 4 steps
Card Charge With OTP
with Moniepoint · Payments & Card Management
Initialize a transaction, charge a card, authorize OTP if required, and confirm.
- Create a pending transaction to obtain a transactionReference for the card charge.
- Capture the supplied card against the transaction. Returns a pending authorization status when OTP is required.
- Submit the OTP returned by the cardholder to complete the card charge.
- Confirm the final transaction status by querying it by payment reference.
What you'll need to have ready
- amount: Amount to charge the card.
- customerName: Name of the cardholder.
- customerEmail: Email of the cardholder.
- paymentReference: Unique merchant payment reference.
- paymentDescription: Description shown for the payment.
- contractCode: Monnify contract code the transaction is created under.
- currencyCode: ISO currency code for the transaction (e.g. NGN).
- collectionChannel: Collection channel for the card charge (e.g. API_NOTIFICATION).
- card: Card details (number, expiryMonth, expiryYear, pin, cvv).
- otp: OTP returned by the cardholder's bank for authorization.
- tokenId: Token identifier returned with the OTP challenge on the card charge.
For your developer
Arazzo workflow moniepoint:card-charge-otp, 4 operations: initializeTransaction → chargeCard → authorizeOtp → getTransactionStatus. Specs on APIs.io.