Credit Card API

Testing Env

https://testpay.onlinepay.ai

POST

/payment

Direct mode
PCI compliance is required in this mode. The merchant system can capture the cardholder's card number information and transmit them to OlinePay, then the request is quickly verified and processed, and the payment result is returned directly.

Checkout
When you initiate a payment request, you will receive a checkout URL back from OnlinePay and be redirected to that checkout URL to submit your card number and other information, finally jump to the returnUrl to synchronize your payment results.

3DS
3DS is designed to reduce the risk of fraud and unauthorized transactions by verifying the identity of the cardholder. When making a 3DS-based payment, it redirects to a secure authentication page that allows the user to perform 3DS authentication.

Request

Body Params application/json

Example

{
    "merNo": 111111,
    "merOrderNo": "222222",
    "currencyCode": "USD",
    "sourceAmount": "100.05",
    "returnUrl": "https://example.com",
    "notifyUrl": "https://example.com/notify",
    "protestNotifyUrl": "https://example.com/protestNotify",
    "sign": "906FDF4880B00B00281F2AB61AE9A721",
    "cardNo": "4242424242424242",
    "cardExpireMonth": "01",
    "cardExpireYear": "2022",
    "cardSecurityCode": "335",
    "billingFirstName": "Tati",
    "billingLastName": "Moore",
    "billingAddress1": "123 Main St",
    "billingAddress2": "123 Main St",
    "billingCity": "Anytown",
    "billingState": "CA",
    "billingCountry": "US",
    "billingZipCode": "12345",
    "billingPhone": "1234567890",
    "billingEmail": "tati@example.com",
    "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/91.0.4472.124 Safari/537.36",
    "ipAddress": "192.168.1.1",
    "productInfoList": [
        {
            "sku": "PROD001",
            "productName": "Example Product",
            "price": "100.05",
            "quantity": "1"
        }
    ],
    "version": "V3.0.0",
    "acceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
    "deviceId": "12345-67890-ABCDE-FGHIJ",
    "language": "en-US",
    "timezone": "America/New_York",
    "screenColorDepth": 24,
    "screenHeight": 1080,
    "screenWidth": 1920,
    "javaEnabled": false,
    "javascriptEnabled": true,
    "latitude": "40.7128",
    "longitude": "-74.0060",
    "deviceModel": "iPhone14,5",
    "osVersion": "iOS 16.1"
}

Request samples

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

curl --location --request POST 'https://testpay.onlinepay.ai/payment' \
--header 'Content-Type: application/json' \
--data-raw '{
    "merNo": 111111,
    "merOrderNo": "222222",
    "currencyCode": "USD",
    "sourceAmount": "100.05",
    "returnUrl": "https://example.com",
    "notifyUrl": "https://example.com/notify",
    "protestNotifyUrl": "https://example.com/protestNotify",
    "sign": "906FDF4880B00B00281F2AB61AE9A721",
    "cardNo": "4242424242424242",
    "cardExpireMonth": "01",
    "cardExpireYear": "2022",
    "cardSecurityCode": "335",
    "billingFirstName": "Tati",
    "billingLastName": "Moore",
    "billingAddress1": "123 Main St",
    "billingAddress2": "123 Main St",
    "billingCity": "Anytown",
    "billingState": "CA",
    "billingCountry": "US",
    "billingZipCode": "12345",
    "billingPhone": "1234567890",
    "billingEmail": "tati@example.com",
    "userAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/91.0.4472.124 Safari/537.36",
    "ipAddress": "192.168.1.1",
    "productInfoList": [
        {
            "sku": "PROD001",
            "productName": "Example Product",
            "price": "100.05",
            "quantity": "1"
        }
    ],
    "version": "V3.0.0",
    "acceptHeader": "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
    "deviceId": "12345-67890-ABCDE-FGHIJ",
    "language": "en-US",
    "timezone": "America/New_York",
    "screenColorDepth": 24,
    "screenHeight": 1080,
    "screenWidth": 1920,
    "javaEnabled": false,
    "javascriptEnabled": true,
    "latitude": "40.7128",
    "longitude": "-74.0060",
    "deviceModel": "iPhone14,5",
    "osVersion": "iOS 16.1"
}'

Responses

🟢200OK

application/json

Body

Example

{
    "code": "00000",
    "message": "SUCCESS",
    "data": {
        "payCode": 0,
        "tradeNo": "3333333",
        "merorderNo": "222222",
        "payUrl": "https://abc.com/"
    }
}

Modified at 2025-07-04 06:43:44

Alipay API

Crypto Pay API