Card Payments

Introduction to Card payments

Zūm Rails offers card payment methods designed for ease and efficiency. For example, credit card's can be used for accounts receivable transactions to request funds.

Method: POST

Endpoint: {{env}}/api/transaction

Example

{
  "ZumRailsType": "AccountsReceivable",
  "TransactionMethod": "CreditCard",
  "Amount": 123.45,
  "Memo": "Memo",
  "Comment": "This transaction is just a test from a user to wallet",
  "UserId": "1d431e8b-...85452adb4eee",
  "Authorize": {
    "Capture": false,
    "AutoExpireDays": 5
  }
}

Transaction Events

CreditCard
CreditCardInvalidRequest
When transaction has failed due to invalid request

CreditCard

CreditCardRejectedByIssuingBank

When transaction is rejected by issuing bank

CreditCard

CreditCardExpiredCard

When transaction has failed due to expired card

CreditCard

CreditCardSuspectedFraud

When transaction has failed due to suspected fraud

CreditCard

CreditCardTransactionNotPermitted

When transaction is not permitted

CreditCard

CreditCardContactSupport

When transaction has failed. Contact support

CreditCard

CreditCardInvalidMerchantSetUp

When transaction has failed due to invalid merchant setup

CreditCard

CreditCardSecurityViolation

When transaction has failed due to security violation

CreditCard

CreditCardInvalidCardOrDetails

When transaction has failed due to invalid card or card details

CreditCard

CreditCardLostOrStolenCard

When transaction has failed due to lost ot stolen card

CreditCard

CreditCardAccountClosedOrBlocked

When transaction has failed due to account closed or blocked

CreditCard

CreditCardDeemedHighRisk

When transaction has failed due to deemed high risk

CreditCard

CreditCardUnknownResponseFromIssuingBank

When transaction has failed due to unknown response from issuing bank

CreditCard

CreditCardCouldNotLocateOriginalTransaction

When reversal transaction has failed due to could not locate original transaction

CreditCard

CreditCardTransactionAlreadyReversed

When reversal transaction has failed due to already reversed

CreditCard

CreditCardGenericError

When transaction has failed due to generic error

CreditCard

CreditCardServiceUnavailable

When transaction has failed due to service unavailable

CreditCard

CreditCardRetryLater

When transaction has failed. Retry later

CreditCard

CreditCardReversalRejected

When reversal transaction is rejected

CreditCard

CreditCardDuplicateReversal

When reversal transaction has failed due to duplicated

CreditCard

CreditCardTransactionAlreadySettled

When reversal transaction has failed due to already settled

CreditCard

CreditCardTimeoutReversal

When reversal transaction has failed due to timeout

CreditCard

CreditCardDuplicateTransaction

When transaction has failed due to duplicated

Testing

To simulate an Credit Card transaction failure, include an event name from the list above in the COMMENT field when creating a transaction. If you don't mention an event in the COMMENT, the transaction will change its status to "Completed" in the sandbox environment.

Examples:

{
  "ZumRailsType": "AccountsReceivable",
  "TransactionMethod": "CreditCard",
  "Amount": 123.45,
  "Memo": "Memo",
  "Comment": "This transaction will succeed because there's no keyword",
  "UserId": "1d431e8b-...85452adb4eee",
  "WalletId": "8ebd932b-...b92633e14297",
  "PaymentInstrumentId": "92142401-...389ba0d87e75"
}

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