Card Payment

Process payments through credit and debit cards using our secure payment gateway. This provides a seamless checkout experience for customers who prefer card payments.

Overview

Card payments are processed through our secure payment gateway, providing PCI-compliant handling of sensitive card information. Customers are redirected to a secure payment page to complete their transaction.

Endpoint

POST https://api.bridgeagw.com/make_payment

Request Headers

Authorization: Basic <base64_encoded_credentials>
Content-Type: application/json

Request Body

{
  "service_id": 1,
  "reference": "Payment for Order #123",
  "transaction_id": "TXN_001",
  "trans_type": "CTM",
  "amount": 25.00,
  "nw": "CRD",
  "nickname": "John Doe",
  "payment_option": "CRD",
  "currency_code": "USD",
  "currency_val": "1",
  "callback_url": "https://your-site.com/webhook/payment-status",
  "request_time": "2025-01-15 14:30:00",
  "landing_page": "https://your-site.com/payment-success"
}

Parameters

Parameter	Type	Required	Description
`service_id`	integer	Yes	Your service identifier
`reference`	string	Yes	Payment reference/description
`customer_number`	string	No	Not required for card payments
`transaction_id`	string	Yes	Unique transaction identifier
`trans_type`	string	Yes	Must be "CTM" for collections
`amount`	number	Yes	Payment amount
`nw`	string	Yes	Must be "CRD" for card payments
`nickname`	string	Yes	Customer's display name
`payment_option`	string	Yes	"CRD" for cards only, "CRM" for both cards and mobile money
`currency_code`	string	Yes	Currency code (e.g., "USD", "EUR", "GHS")
`currency_val`	string	Yes	Currency value for display
`callback_url`	string	Yes	URL to receive payment notifications
`request_time`	string	Yes	Request timestamp
`landing_page`	string	Yes	URL to redirect after successful payment

Payment Options

Option	Code	Description
Cards Only	`CRD`	Only credit/debit card payment option
Cards + Mobile Money	`CRM`	Both card and mobile money options

Supported Currencies

Currency	Code	Description
US Dollar	`USD`	United States Dollar
Euro	`EUR`	European Union Euro
Ghana Cedi	`GHS`	Ghanaian Cedi
British Pound	`GBP`	British Pound Sterling

Response

Success Response (200)

{
  "response_message": "Successful",
  "response_code": "000",
  "redirect_url": "https://cardspaymentpage.com/en/payment/123456789"
}

Error Response (401)

{
  "response_message": "You are not allowed to use this service",
  "response_code": "100"
}

Example Usage

cURL

curl -X POST "https://api.bridgeagw.com/make_payment" \
  -H "Authorization: Basic <your_credentials>" \
  -H "Content-Type: application/json" \
  -d '{
    "service_id": 1,
    "reference": "Payment for Order #123",
    "transaction_id": "TXN_001",
    "trans_type": "CTM",
    "amount": 25.00,
    "nw": "CRD",
    "nickname": "John Doe",
    "payment_option": "CRD",
    "currency_code": "USD",
    "currency_val": "1",
    "callback_url": "https://your-site.com/webhook/payment-status",
    "request_time": "2025-01-15 14:30:00",
    "landing_page": "https://your-site.com/payment-success"
  }'

JavaScript

const response = await fetch('https://api.bridgeagw.com/make_payment', {
  method: 'POST',
  headers: {
    'Authorization': 'Basic <your_credentials>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    service_id: 1,
    reference: "Payment for Order #123",
    transaction_id: "TXN_001",
    trans_type: "CTM",
    amount: 25.00,
    nw: "CRD",
    nickname: "John Doe",
    payment_option: "CRD",
    currency_code: "USD",
    currency_val: "1",
    callback_url: "https://your-site.com/webhook/payment-status",
    request_time: "2025-01-15 14:30:00",
    landing_page: "https://your-site.com/payment-success"
  })
});

const result = await response.json();

if (result.response_code === "000") {
  // Redirect customer to payment page
  window.location.href = result.redirect_url;
} else {
  console.error('Payment initiation failed:', result.response_message);
}

Python

import requests

url = "https://api.bridgeagw.com/make_payment"
headers = {
    "Authorization": "Basic <your_credentials>",
    "Content-Type": "application/json"
}
data = {
    "service_id": 1,
    "reference": "Payment for Order #123",
    "transaction_id": "TXN_001",
    "trans_type": "CTM",
    "amount": 25.00,
    "nw": "CRD",
    "nickname": "John Doe",
    "payment_option": "CRD",
    "currency_code": "USD",
    "currency_val": "1",
    "callback_url": "https://your-site.com/webhook/payment-status",
    "request_time": "2025-01-15 14:30:00",
    "landing_page": "https://your-site.com/payment-success"
}

response = requests.post(url, headers=headers, json=data)
result = response.json()

if result['response_code'] == '000':
    # Redirect customer to payment page
    redirect_url = result['redirect_url']
    print(f"Redirect customer to: {redirect_url}")
else:
    print(f"Payment initiation failed: {result['response_message']}")

Payment Flow

Initiate Payment: Send payment request with transaction details
Get Redirect URL: Receive secure payment page URL
Redirect Customer: Send customer to payment page
Customer Payment: Customer enters card details and pays
Payment Processing: Card payment is processed securely
Redirect Back: Customer is redirected to your landing page
Callback Notification: You receive confirmation via webhook

Security Features

PCI DSS Compliant: Secure handling of card information
2D & 3D Secure: Support for 2D and 3D Secure authentication
Tokenization: Card details are tokenized for security
Fraud Detection: Advanced fraud detection and prevention
SSL Encryption: All data transmitted over HTTPS

Supported Card Types

Visa: All Visa credit and debit cards
Mastercard: All Mastercard credit and debit cards
American Express: American Express cards
Local Cards: Country-specific card networks

Integration Examples

React Integration

const handleCardPayment = async (paymentData) => {
  try {
    const response = await fetch('https://api.bridgeagw.com/make_payment', {
      method: 'POST',
      headers: {
        'Authorization': 'Basic <your_credentials>',
        'Content-Type': 'application/json'
      },
      body: JSON.stringify({
        service_id: 1,
        reference: paymentData.reference,
        transaction_id: paymentData.transactionId,
        trans_type: "CTM",
        amount: paymentData.amount,
        nw: "CRD",
        nickname: paymentData.customerName,
        payment_option: "CRD",
        currency_code: paymentData.currency,
        currency_val: "1",
        callback_url: "https://your-site.com/webhook/payment-status",
        request_time: new Date().toISOString(),
        landing_page: "https://your-site.com/payment-success"
      })
    });

    const result = await response.json();
    
    if (result.response_code === "000") {
      // Redirect to payment page
      window.location.href = result.redirect_url;
    } else {
      throw new Error(result.response_message);
    }
  } catch (error) {
    console.error('Payment error:', error);
  }
};

Best Practices

Landing Page: Always provide a landing page for post-payment redirect
Currency Handling: Use appropriate currency codes for your market
Error Handling: Implement comprehensive error handling
Testing: Test with small amounts and test cards first
Monitoring: Monitor payment success rates and failures

Notes

Card payments require a landing page for post-payment redirect
Currency code and value are required for proper display
Payment pages are mobile-responsive and optimized for conversion
All card data is handled securely and never stored on your servers
Support for international cards and multiple currencies

Card Payment

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