How ePayment works with freestanding cards

This is how payments in web shops or merchant websites work with the ePayment API.

Details

1. Customer selects their payment method

On the checkout page of a merchant's website or app, the customer chooses to pay with a card.

Vipps

MobilePay

2. The merchant creates a payment request

The merchant initiates a freestanding card payment by specifying paymentMethod.type = "CARD" in the POST:/epayment/v1/payments request.

Detailed example for payment request

For example: Here is an example HTTP POST for the create payment request:

POST:/epayment/v1/payments

curl -X POST https://apitest.vipps.no/epayment/v1/payments \
-H "Content-Type: application/json" \
-H "Authorization: Bearer YOUR-ACCESS-TOKEN" \
-H "Ocp-Apim-Subscription-Key: YOUR-SUBSCRIPTION-KEY" \
-H "Merchant-Serial-Number: YOUR-MSN" \
-H 'Idempotency-Key: YOUR-IDEMPOTENCY-KEY' \
-H "Vipps-System-Name: acme" \
-H "Vipps-System-Version: 3.1.2" \
-H "Vipps-System-Plugin-Name: acme-webshop" \
-H "Vipps-System-Plugin-Version: 4.5.6" \
-d '{
  "paymentMethod": {
    "type": "CARD"
  },
  "amount": {
    "currency": "NOK",
    "value": 49900
  },
  "reference": "acme-shop-123-order123abc",
  "returnUrl": "https://example.com/redirect?reference=acme-shop-123-order123abc",
  "userFlow": "WEB_REDIRECT",
  "paymentDescription": "Online purchase of sportswear",
  "receiptUrl":"https://example.com/link/to/my.pdf"

2. Customer enters card details

The card entry page opens, where they enter their card details.

When they enter their payment details, initiate a payment with: POST:/epayment/v1/payments.

4. The merchant's shop confirms the order

On successful payment, the merchant's store page or app opens, and the order is confirmed.

5. The merchant completes the order and captures the payment

The merchant completes the order and ships it to the customer.

More details

For more details, see ePayment Features: Accept freestanding card payments.