Create a payment

Create a new card or ACH payment authorization or sale.

Bearer csk_test_ or csk_live_ required

Idempotency: This endpoint is idempotency-safe. Include an Idempotency-Key header for all production calls.

Request

Request body

Name	Type	Required	Description
amount	integer	Required	Amount in minor units (cents). Min 1, max 99,999,999.
currency	string	Required	ISO 4217 currency code. USD at MVP 0.
payment_method	string	Required	`card` or `ach_debit`
merchant_id	string	Required	MID assigned at onboarding. Format: `mrch_` prefix.
idempotency_key	string	Required (prod)	Client-generated UUID. Prevents duplicate charges.
capture_method	string	Optional	`automatic` (default) or `manual`
metadata	object	Optional	Key-value pairs, max 20 keys, 500 chars per value.
statement_descriptor	string	Optional	Appears on cardholder statement. Max 22 chars.

Response — 200 OK

Error responses

Status	Code	Meaning
400	validation_error	Request body failed schema validation
401	auth_failed	Invalid or missing API key
409	idempotency_conflict	Idempotency key reused with different params
422	processing_error	Gateway declined the payment

🔒PCI

Do not pass raw PAN data through this endpoint. Use HPP or the tokenization API to reduce scope to SAQ A.

Webhook events

payment.authorized — fires on manual capture auth-only
payment.captured — fires on automatic or manual capture
payment.failed — fires on hard or soft decline

1curl -X POST https://api.cresoracommerce.com/v1/payments \
2  -H "Authorization: Bearer csk_test_xxxxxxxxxxxx" \
3  -H "Content-Type: application/json" \
4  -H "Idempotency-Key: idem_550e8400" \
5  -d '{
6    "amount": 15000,
7    "currency": "USD",
8    "payment_method": "card",
9    "merchant_id": "mrch_abc123",
10    "capture_method": "automatic",
11    "metadata": {
12      "patient_id": "pt_99887766"
13    }
14  }'

Response (200 OK)

1{
2  "id": "pay_7f8a9b0c1d2e3f4a",
3  "status": "captured",
4  "amount": 15000,
5  "currency": "USD",
6  "merchant_id": "mrch_abc123",
7  "capture_method": "automatic",
8  "test_mode": true,
9  "created_at": "2026-05-18T14:32:00Z",
10  "metadata": {
11    "patient_id": "pt_99887766"
12  }
13}