# Credit Card API V3

• 仅支持加元交易.
  

• 有两种应用流程:
  简单购买流程
  重复购买流程

# 生成签名和签名验证

Sign algorithm

# Request和response参数格式

均为JSON格式。 The response body is also in JSON format. It should not be treated as fixed or as a schema, new fields may be added as the API evolves, and the order of fields might change. Your applications must therefore be resilient to the reordering of fields within a JSON object.

# 发送请求范例

$arr = array(
    'mchOrderNo' => 'm12345',   //order id assigned by merchant
    'mchId' => 'your merchant id',
  	'currency' => 'CAD',
    'amount' => 100,   // in cents
    'loginName' => 'jack', //your login name
    'notifyUrl' => 'http://yourdomain.com/notifyme.php',
    'returnUrl' => 'http://yourdomain.com/returnhere.php',
    'subject' => "ipad pro",
    'body' => '64G,wifi,white',
    'channel' => 'PF_CC'
);
$Utility = new Utility();
$sort_array = $Utility->arg_sort($arr);   //sort the parameters
$arr['sign'] = $Utility->build_mysign($sort_array, $merchantKey, "MD5");   //generate sign and put it into the array
$param = json_encode($arr);    //generate json string to send
$resBody = $Utility->request($url, $param);//Submit to the gateway

$res = json_decode($resBody, true);
if ($res['retCode'] == 'SUCCESS') {
    header('Location: ' . $res['redirectUrl']);//Redirect to payment page
} else {
    echo $res['retMsg'];
}

# 简单购买流程

用户每次购买都需要输入信用卡信息.

# Sequence

1, 调用 cc_purchase 并且跳转到 redirectUrl 让用户输入信用卡信息;
2, 购买后, 跳转到returnUrl;
3, 交易成功后, IOTPay 会发送消息到 notifyUrl;

# Request URL for simple purchase

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchase

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

# Response

# NotifyUrl message(post request in json format)

# ReturnUrl parameters

# 重复购买流程

用户输入一次信用卡信息完成绑卡, 后续购买无需再次输入卡号信息.

# Sequence

1, Call cc_addcard and then redirect to retData.redirectUrl to let user input credit card info;
2, After addcard, will redirect to returnUrl with the following parameters:
If success: retCode=SUCCESS
If fail: retCode=FAIL&retMsg=xxxx
3, (optional) Call cc_querycard to get card info;
4, If cc_addcard is successful, call cc_purchasewithtoken to do a real purchase

# Request URL for cc_addcard

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_addcard

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

each cardId can bind only one credit card, if one user need to bind more cards, use different cardId

# Response

# ReturnUrl parameters

# Request URL for cc_directaddcard

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_directaddcard

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

As an IOTPAY client or partner using this method of integration, your solution must demonstrate compliance to the Payment Card Industry Data Security Standard (PCI DSS) .

# Parameters

# Response

# retData contains card infomation:

# Request URL for cc_querycard

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_querycard

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

# Response

# retData contains card infomation:

# Request URL for purchasewithtoken

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchasewithtoken

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

# Response

# retData contains order infomation:

# 数字钱包支付

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchasewithwallet

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# This API is for Apple Pay and Google Pay, contact us before integrating this API.

# Parameters

walletData must be base64encoded. For ApplePay, you must send the Apple payment token as received by the passkit. For Google Pay, you must send the payment token (paymentData.paymentMethodData.tokenizationData.token) as received by Google Pay API.

# Response

# retData contains order infomation:

# 退款

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_refund

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

# Response

# 取消订单

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_void

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

# Response

# 查询订单

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_query

Reqeust method:

• POST
• Content-Type: application/json;charset=UTF-8

# Parameters

use either payOrderId or mchOrderNo, use one of them

# Response

# SDKs and 文档

For iOS integration: iOS sdk
For Android integration: Android sdk
PHP and JS integration: Php sdk

# 示例和源代码

Simple purchase: demo Recurring purchase: demo source code download