Create a Charge - Keyed

This endpoint enables you to securely initiate payment transactions by submitting charge details via a POST request.


You can enhance transaction data with:
Metadata

📘


To request transaction metadata, append the include query parameter to your request:

/v1/charges?include=transaction_metadata


Example Payload and Response with Metadata

Payload:

{
  "metadata": "{\"CustomerName\": \"Joanna Roscoe\", \"CustomerID\": \"123456\"}"
}

Response:

{
  "data": {
    "transaction_metadata": {
      "data": [
        {
          "object": "TransactionMeta",
          "id": "5djz0e0kv478428",
          "key": "CustomerName",
          "signature": null,
          "value": "Joanna Roscoe"
        },
        {
          "object": "TransactionMeta",
          "id": "zlwj3enkybepkaq9",
          "key": "CustomerID",
          "signature": null,
          "value": "123456"
        }
      ]
    }
  }
}
LEVEL 2 or LEVEL 3 Card Information

📘

When creating a new charge, you have the option to provide additional card data at LEVEL2 or LEVEL3. These enhanced data levels can provide benefits such as lower Visa and Mastercard interchange rates, particularly for commercial, corporate, purchasing, business, or government cards.


The following fields are required to process a transaction with card_level set to LEVEL2:


  • address_line1
  • purcharse_order
  • sales_tax
  • zip

To process transactions with card_level set to LEVEL3, you must include the fields required for LEVEL 2, along with the following additional fields:


  • customer_vat_number
  • destination_country_code
  • duty_charges
  • order_date
  • ship_from_zip
  • ship_to_zip
  • shipping_charges
  • summary_commodity_code
  • tax_amount
  • tax_category
  • tax_rate
  • tax_type
  • vat_invoice


API Troubleshooting:
Error Codes Associated with 'New Charge' Creation

📘

When creating a new charge, you may encounter the following error codes. Each status is associated with a specific error message:


StatusError Message
Activity Limit ExceededActivity Limit exceeded
Bad Request - Try AgainSystemError
Bad Request - Try AgainSystem Error (Tran)
Bad SwipeThe value of element track2Data is not valid
Bad SwipeInvalid Encrypted Track Data or KSN
Bad SwipeThe value of element track1Data is not valid
DeclinedGeneral Card Auth Decline
DeclinedDo not honor
DeclinedSuspected Card
Duplicate transactionDuplicate transaction
Expired CardExpired Card
Host Validation ErrorContact PAYARC - Host Validation Error
Inactive terminalContact PAYARC - Inactive terminal (Backend)
Inactive terminalThe value '0018017679610' of element 'deviceID' is not valid
Incorrect PinIncorrect Pin
Insufficient FundsWithdrawal Limit exceeded
Invalid AmountInvalid Amount
Invalid Card NumberInvalid Card Number
Invalid DateInvalid Date
Invalid From AccountContact PAYARC - Invalid From Account
Invalid ServiceContact PAYARC - Invalid Service
No Such IssuerNo such issuer
Pin Attempts ExceededPin attempts exceeded
Possible Duplicate RequestPossible Duplicate Request
Re-enter transactionRe-enter transaction
Transaction Amount InvalidThe value '57679.99999999999' of element 'transactionAmount' is not valid
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