P2P Card Credit

POST 
https://pay.fondy.eu/api/p2pcredit

This endpoint allows a merchant to perform a peer-to-peer (P2P) card credit transaction, transferring funds directly to a recipient's card number or a stored receiver token. The request must include either receiver_card_number or receiver_rectoken, along with transaction details such as order_id, order_desc, and amount.

To secure this request, the merchant must generate a signature using their Credit private key specifically for p2pcredit operations.

Request

Header Parameters

Content-Type stringrequired
Possible values: [application/json, application/xml, application/x-www-form-urlencoded]
Specifies the format for the request. Response will be in the same format.
Default value: application/json

application/json

Body

request object
merchant_idinteger
A unique identifier assigned to the merchant by Fondy. Required to authenticate and associate the transaction with the merchant’s account.
Example: 1396424
order_idstring
A unique order reference defined by the merchant. Used to identify the transaction throughout its lifecycle.
Example: besh_p2p_1743690601
amountinteger
Total transaction amount in minor currency units (e.g., cents). For example, 10000 in USD represents $100.00.
Example: 10000
currencystring
Currency in which the transaction is processed, using the ISO 4217 format (e.g., USD, EUR).
Example: USD
order_descstring
A brief UTF-8 description of the transaction. This will be visible in reports and payment records.
Example: Fondy P2P Card Credit Payment via Python API
receiver_card_numberstringrequired
The recipient’s full card number to which funds will be credited. Must be a valid Visa or Mastercard.
Example: 4444555566661111
signaturestring
A hash signature generated using Fondy’s signature algorithm to verify the authenticity and integrity of the request.
Example: 19059322c0efdfd445d38c2ac19034cfd926151d

application/xml

Body

request object
merchant_idinteger
A unique identifier assigned to the merchant by Fondy. Required to authenticate and associate the transaction with the merchant’s account.
Example: 1396424
order_idstring
A unique order reference defined by the merchant. Used to identify the transaction throughout its lifecycle.
Example: besh_p2p_1743690601
amountinteger
Total transaction amount in minor currency units (e.g., cents). For example, 10000 in USD represents $100.00.
Example: 10000
currencystring
Currency in which the transaction is processed, using the ISO 4217 format (e.g., USD, EUR).
Example: USD
order_descstring
A brief UTF-8 description of the transaction. This will be visible in reports and payment records.
Example: Fondy P2P Card Credit Payment via Python API
receiver_card_numberstringrequired
The recipient’s full card number to which funds will be credited. Must be a valid Visa or Mastercard.
Example: 4444555566661111
signaturestring
A hash signature generated using Fondy’s signature algorithm to verify the authenticity and integrity of the request.
Example: 19059322c0efdfd445d38c2ac19034cfd926151d

application/x-www-form-urlencoded

Body

request object
merchant_idinteger
A unique identifier assigned to the merchant by Fondy. Required to authenticate and associate the transaction with the merchant’s account.
Example: 1396424
order_idstring
A unique order reference defined by the merchant. Used to identify the transaction throughout its lifecycle.
Example: besh_p2p_1743690601
amountinteger
Total transaction amount in minor currency units (e.g., cents). For example, 10000 in USD represents $100.00.
Example: 10000
currencystring
Currency in which the transaction is processed, using the ISO 4217 format (e.g., USD, EUR).
Example: USD
order_descstring
A brief UTF-8 description of the transaction. This will be visible in reports and payment records.
Example: Fondy P2P Card Credit Payment via Python API
receiver_card_numberstringrequired
The recipient’s full card number to which funds will be credited. Must be a valid Visa or Mastercard.
Example: 4444555566661111
signaturestring
A hash signature generated using Fondy’s signature algorithm to verify the authenticity and integrity of the request.
Example: 19059322c0efdfd445d38c2ac19034cfd926151d

Responses

200

The response for a successful transaction.

application/json

Schema

Schema

response object

Parameters of the final response

order_idOrderId (string)

A unique identifier for the order. This can be any value defined by the merchant, allowing you to use any internal order identification system your business employs.

Example: ORDER_12345678

merchant_idMerchantId (integer)

A unique identifier assigned to the merchant by Fondy upon account registration. This ID is required for authenticating requests and associating transactions with the merchant's account.

Possible values: <= 12 characters

Example: 1

amountinteger

Order amount in cents without separator.

Possible values: <= 12 characters

currencyCurrency (string)

Currency for the transaction (e.g., GBP, EUR, USD). Refer to the Currencies page for a full list of available currencies.

Possible values: <= 3 characters, [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW, ZWD]

order_statusstring

Order processing status indicating the current state of the transaction.

Enum Value	Description
created	Order has been created, but the customer has not entered payment details yet; the merchant should continue to request the status of the order.
processing	Order is still processing by the payment gateway; the merchant should continue to request the status of the order.
declined	Order is declined by Fondy, a bank, or an external payment system.
approved	Order completed successfully, funds are held on the payer’s account and soon will be credited to the merchant; the merchant can provide the service or ship goods.
expired	Order lifetime expired.
reversed	Previously approved transaction was fully reversed. In this case, the reversal_amount will equal actual_amount.

Possible values: <= 50 characters, [created, processing, declined, approved, expired, reversed]

response_statusstring

Request processing status (e.g., 'success' or 'failure').

Possible values: <= 50 characters

signaturestring

Order signature for request verification.

Possible values: <= 40 characters

tran_typestring

Possible values: <= 50 characters, [purchase, verification, p2p credit, p2p transfer, settlement, reverse]

sender_cell_phonestring

Customer's mobile phone number.

Possible values: <= 16 characters

sender_accountstring

Customer payment account.

Possible values: <= 50 characters

masked_cardstring

Masked card number.

Possible values: <= 19 characters

card_bininteger

First 6 digits of the card number.

Possible values: <= 6 characters

card_typestring

Possible values: <= 50 characters, [VISA, MasterCard]

rrnstring

Bank transaction ID, often not unique.

Possible values: <= 50 characters

approval_codestring

Authorisation code returned by the bank.

Possible values: <= 6 characters

response_codeinteger

Order decline response code.

Possible values: <= 4 characters

response_descriptionstring

Description of the response code.

Possible values: <= 1024 characters

reversal_amountinteger

Total reversal amount for the current order.

Possible values: <= 12 characters

settlement_amountinteger

Settlement amount for the current order.

Possible values: <= 12 characters

settlement_currencyCurrency (string)

Currency for the transaction (e.g., GBP, EUR, USD). Refer to the Currencies page for a full list of available currencies.

Possible values: <= 3 characters, [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW, ZWD]

order_timedate-time

Order creation date in DD.MM.YYYY hh:mm:ss format.

settlement_datedate

Settlement date in DD.MM.YYYY format.

eciinteger

Ecommerce Indicator for 3DSecure authentication status.

Possible values: <= 2 characters, [5, 6, 7]

feeinteger

Fee charged by Fondy.

Possible values: <= 12 characters

payment_systemstring

Payment system used for the transaction.

Possible values: <= 50 characters

sender_emailSenderEmail (string)

Your customer's email address. Fondy will send an email regarding the payment to this address.

Possible values: <= 254 characters

payment_idinteger

Unique payment ID generated by Fondy.

Possible values: <= 19 characters

actual_amountinteger

Actual amount held or charged from the card.

Possible values: <= 12 characters

actual_currencyCurrency (string)

Currency for the transaction (e.g., GBP, EUR, USD). Refer to the Currencies page for a full list of available currencies.

Possible values: <= 3 characters, [AED, AFN, ALL, AMD, ANG, AOA, ARS, AUD, AWG, AZN, BAM, BBD, BDT, BGN, BHD, BIF, BMD, BND, BOB, BRL, BSD, BTN, BWP, BZD, CAD, CDF, CHF, CLP, CNY, COP, CRC, CUP, CVE, CZK, DJF, DKK, DOP, DZD, EGP, ERN, ETB, EUR, FJD, FKP, GBP, GEL, GHS, GIP, GMD, GNF, GTQ, GYD, HKD, HNL, HRK, HTG, HUF, IDR, ILS, INR, IQD, IRR, ISK, JMD, JOD, JPY, KES, KGS, KHR, KMF, KRW, KWD, KYD, KZT, LAK, LBP, LKR, LRD, LSL, LTL, LVL, LYD, MAD, MDL, MGA, MKD, MMK, MNT, MOP, MUR, MVR, MWK, MXN, MYR, MZN, NAD, NGN, NIO, NOK, NPR, NZD, OMR, PAB, PEN, PGK, PHP, PKR, PLN, PYG, QAR, RON, RSD, RWF, SAR, SBD, SCR, SDG, SEK, SGD, SHP, SLL, SOS, SRD, STD, SVC, SZL, THB, TJS, TMT, TND, TOP, TRY, TTD, TWD, TZS, UAH, UGX, USD, UYU, UZS, VEF, VND, VUV, WST, XAF, XCD, XOF, XPF, YER, ZAR, ZMW, ZWD]

product_idstring

Merchant's product or service ID.

Possible values: <= 1024 characters

merchant_dataMerchantData (string)

Custom data provided by the merchant in the request. You can include any arbitrary string data relevant to your business needs, such as user IDs, session information, or notes. The data must be in string format and must not contain the '|' (pipe) character.

Possible values: <= 2048 characters

verification_statusstring

Code verification result.

Possible values: <= 50 characters, [verified, incorrect, failed, created]

rectokenstring

Token for accessing card funds without cardholder interaction.

Possible values: <= 40 characters

rectoken_lifetimedate-time

Token expiration date in DD.MM.YYYY hh:mm:ss format.

additional_info object

Additional information in JSON format.

bank_namestring

Bank name.

bank_countrystring

Bank country.

bank_response_codestring

Response code from the bank.

card_productstring

Type of card product.

card_categorystring

Category of the card.

settlement_feenumber

Settlement fee.

capture_statusstring

Status of the capture.

client_feenumber

Fee charged to the client.

ipaddress_v4string

IP address in IPv4 format.

capture_amountinteger

Amount captured.

card_typestring

Type of the card used.

Possible values: [VISA, MasterCard]

reservation_datastring

Reservation data.

bank_response_descriptionstring

Description of the bank's response.

transaction_idinteger

Transaction ID from the bank.

timeenddate-time

End time for the transaction.

card_numberstring

Card number used.

payment_methodstring

Payment method used.

Possible values: [apple, googlepay, card]

Example (auto)

{
  "response": {
    "order_id": "ORDER_12345678",
    "merchant_id": 1,
    "amount": 0,
    "currency": "AED",
    "order_status": "created",
    "response_status": "string",
    "signature": "string",
    "tran_type": "purchase",
    "sender_cell_phone": "string",
    "sender_account": "string",
    "masked_card": "string",
    "card_bin": 0,
    "card_type": "VISA",
    "rrn": "string",
    "approval_code": "string",
    "response_code": 0,
    "response_description": "string",
    "reversal_amount": 0,
    "settlement_amount": 0,
    "settlement_currency": "AED",
    "order_time": "2024-07-29T15:51:28.071Z",
    "settlement_date": "2024-07-29",
    "eci": 5,
    "fee": 0,
    "payment_system": "string",
    "sender_email": "string",
    "payment_id": 0,
    "actual_amount": 0,
    "actual_currency": "AED",
    "product_id": "string",
    "merchant_data": "string",
    "verification_status": "verified",
    "rectoken": "string",
    "rectoken_lifetime": "2024-07-29T15:51:28.071Z",
    "additional_info": {
      "bank_name": "string",
      "bank_country": "string",
      "bank_response_code": "string",
      "card_product": "string",
      "card_category": "string",
      "settlement_fee": 0,
      "capture_status": "string",
      "client_fee": 0,
      "ipaddress_v4": "string",
      "capture_amount": 0,
      "card_type": "VISA",
      "reservation_data": "string",
      "bank_response_description": "string",
      "transaction_id": 0,
      "timeend": "2024-07-29T15:51:28.071Z",
      "card_number": "string",
      "payment_method": "apple"
    }
  }
}

final

Final Response

{
  "response": {
    "order_id": "ID1234",
    "merchant_id": 1,
    "amount": 1020,
    "currency": "GBP",
    "order_status": "approved",
    "response_status": "success",
    "signature": "1773cf135bd89656131134b98637894dad42f808",
    "tran_type": "purchase",
    "sender_cell_phone": "+1234567890",
    "sender_account": "customer_account",
    "masked_card": "444444XXXXXX5555",
    "card_bin": 444444,
    "card_type": "VISA",
    "rrn": "123456789",
    "approval_code": "654321",
    "response_code": 100,
    "response_description": "Transaction approved",
    "reversal_amount": 0,
    "settlement_amount": 1020,
    "settlement_currency": "EUR",
    "order_time": "21.12.2014 11:21:30",
    "settlement_date": "21.12.2014",
    "eci": 5,
    "fee": 10,
    "payment_system": "card",
    "sender_email": "customer@example.com",
    "payment_id": 123456789012345,
    "actual_amount": 1020,
    "actual_currency": "EUR",
    "product_id": "hotel_booking_1234",
    "merchant_data": "custom_data",
    "verification_status": "verified",
    "rectoken": "da39a3ee5e6b4b0d3255bfef95601890afd80709",
    "rectoken_lifetime": "01.01.2018 00:00:00",
    "additional_info": {
      "bank_name": "Some bank in US country",
      "bank_country": "US",
      "bank_response_code": "decln_1000",
      "card_product": "DEBIT",
      "card_category": "CLASSIC",
      "settlement_fee": 0.2,
      "capture_status": "captured",
      "client_fee": 0.3,
      "ipaddress_v4": "8.8.8.8",
      "capture_amount": 200,
      "card_type": "VISA",
      "reservation_data": null,
      "bank_response_description": "General decline",
      "transaction_id": 1058755083,
      "timeend": "10.01.2018 11:21:30",
      "card_number": "4444555566661111",
      "payment_method": "apple"
    }
  }
}

error

Error Response

{
  "response": {
    "response_status": "failure",
    "error_message": "General decline",
    "error_code": "1000"
  }
}

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• HTTPCLIENT
• RESTSHARP

var client = new HttpClient();
var request = new HttpRequestMessage(HttpMethod.Post, "https://pay.fondy.eu/api/p2pcredit");
request.Headers.Add("Accept", "application/json");
var content = new StringContent("{\n  \"request\": {\n    \"merchant_id\": 1396424,\n    \"order_id\": \"besh_p2p_1743690601\",\n    \"amount\": 10000,\n    \"currency\": \"USD\",\n    \"order_desc\": \"Fondy P2P Card Credit Payment via Python API\",\n    \"receiver_card_number\": 4444555566661111,\n    \"signature\": \"19059322c0efdfd445d38c2ac19034cfd926151d\"\n  }\n}", null, "application/json");
request.Content = content;
var response = await client.SendAsync(request);
response.EnsureSuccessStatusCode();
Console.WriteLine(await response.Content.ReadAsStringAsync());

Request Collapse all

Base URL

https://pay.fondy.eu/api

Parameters

Content-Type — headerrequired

---application/jsonapplication/xmlapplication/x-www-form-urlencoded

Body

Content-Type

application/jsonapplication/xmlapplication/x-www-form-urlencoded

{
  "request": {
    "merchant_id": 1396424,
    "order_id": "besh_p2p_1743690601",
    "amount": 10000,
    "currency": "USD",
    "order_desc": "Fondy P2P Card Credit Payment via Python API",
    "receiver_card_number": 4444555566661111,
    "signature": "19059322c0efdfd445d38c2ac19034cfd926151d"
  }
}

ResponseClear

Click the Send API Request button above and see the response here!