Create Page Token

Generate a short-lived client token used to initialize the hosted payment page or tokenization widget. This token must be obtained before rendering the payment form.

Response — 200 OK

{
  "error_no": "S00",
  "error_code": "00",
  "clientToken": "0bc8b3***********160ad",
  "validity": "2026-04-29 05:17:40"
}

Response fields

Field	Type	Description
`error_no`	string	`S00` indicates the token was created successfully
`error_code`	string	Gateway error code. `00` = no error
`clientToken`	string	Short-lived client token used to initialize the payment page or tokenization widget
`validity`	string	Token expiry timestamp in `YYYY-MM-DD HH:MM:SS` format. The token cannot be used after this time

Response — 400 (Processing Error)

{
  "error_no": "D07",
  "mesg": "PROCESSING ERROR",
  "msg": "PROCESSING ERROR",
  "desc": "NOT A VALID APP KEY"
}

Response fields

Field	Type	Description
`error_no`	string	`D07` indicates an invalid App Key
`mesg`	string	Error message
`msg`	string	Error message
`desc`	string	Detailed description of the error cause

Error code reference

`error_no`	Meaning	Typical cause
`S00`	Success	Client token generated
`D07`	Processing error	App Key is invalid or unrecognised

Create Card Token

Tokenize a card using the client token obtained from the Create Page Token endpoint. Returns a reusable card token that can be used for future transactions without re-entering card details.

Response — 200 OK (Token Created)

Card was successfully validated and tokenized.

{
  "error_no": "S00",
  "error_code": "S00",
  "cardToken": "D554**********0FB670",
  "card_brand": "Visa",
  "card_type": "D",
  "response": null
}

Response fields

Field	Type	Description
`error_no`	string	`S00` indicates the card was tokenized successfully
`error_code`	string	`S00` mirrors `error_no` on success
`cardToken`	string	Partially masked reusable card token for future transactions
`card_brand`	string	Card network (e.g. `Visa`, `Mastercard`)
`card_type`	string	Card type — `D` = Debit, `C` = Credit
`response`	string \| null	Additional response message; `null` on success

Response — 200 OK (Card Declined)

Card was presented but declined by the issuer during tokenization validation. The outer error_no indicates the overall status; the switch_response object contains the detailed decline reason.

{
  "error_no": "S00",
  "error_code": "E98",
  "response": "Error code :54",
  "switch_response": {
    "error_no": "E98",
    "error_code": "54",
    "success_url": false,
    "txnid": null,
    "batch_no": 136,
    "switch_error_code": "V0548",
    "mesg": "Card expired",
    "desc": "Error code :54",
    "msg": "Card expired",
    "isFlexSendOrNot": "V0548"
  }
}

Response fields

Field	Type	Description
`error_no`	string	`S00` — the request was processed, but the card was declined
`error_code`	string	`E98` when the card was declined by the issuer
`response`	string	Short description of the decline reason
`switch_response`	object	Full switch-level decline details (see below)

`switch_response` fields

Field	Type	Description
`error_no`	string	`E98` indicates a declined transaction
`error_code`	string	Issuer decline code (e.g. `54` = card expired)
`success_url`	boolean	Always `false` for declined operations
`txnid`	string \| null	Transaction identifier; `null` when not assigned
`batch_no`	integer	Settlement batch identifier
`switch_error_code`	string	Switch-level error code
`mesg`	string	Error message
`desc`	string	Detailed error description
`msg`	string	Error message
`isFlexSendOrNot`	string	Flex routing indicator; mirrors `switch_error_code`

Important: A card decline response still returns HTTP 200 with outer error_no: "S00". Always check error_code — if it is E98, the card was declined. Read switch_response for the full decline reason.

Response — 400 (Processing Error)

{
  "error_no": "91",
  "mesg": "ERROR: CARD TOKEN",
  "msg": "ERROR: CARD TOKEN",
  "desc": "INVALID EPI PROVIDED"
}

Response fields

Field	Type	Description
`error_no`	string	`91` indicates a configuration or input error
`mesg`	string	Error category
`msg`	string	Error message
`desc`	string	Detailed description of the error cause

Error code reference

`error_no`	`error_code`	Meaning	Typical cause
`S00`	`S00`	Success	Card tokenized successfully
`S00`	`E98`	Card declined	Card expired, invalid, or rejected by issuer
`91`	—	Processing error	EPI provided is invalid or does not exist

Sale API

Process a sale using a card token obtained from the Create Card Token endpoint.

Response — 200 OK (Approved)

{
  "error_no": "S00",
  "success_url": true,
  "error_code": "00",
  "amount": "20.00",
  "tax": "1.02",
  "customfee": "1",
  "msg": "APPROVED",
  "desc": "APPROVAL TAS678",
  "additional_info": null,
  "clerk_id": null,
  "clerk_name": null,
  "clerk_label": null,
  "additionalKeyOne": null,
  "additionalKeyTwo": null,
  "additionalValueOne": null,
  "additionalValueTwo": null,
  "approval_code": "TAS678",
  "rrn": "611905501102",
  "txnid": "10337052",
  "created_date": "29/04/2026",
  "created_time": "01:14:45",
  "tran_no": 1,
  "stan": 724387,
  "batch_no": 136,
  "is_partial_approve": 0,
  "partial_amount": "000000002000",
  "pan": "XXXX1111",
  "card_type": null,
  "phone_number": "",
  "email_id": "",
  "zip": null,
  "card_holder_name": "",
  "expiry_date": "/",
  "address": "",
  "epi": "2319923425",
  "channel": "ECOMM",
  "orderdescription": "king size bed 10x12",
  "invoicenumber": "inv0001",
  "token": "AD21*************E0C594",
  "card_brand": "Visa",
  "netamt": 22.02
}

Response fields

Field	Type	Description
`error_no`	string	`S00` indicates a successful transaction
`success_url`	boolean	`true` when the transaction is approved
`error_code`	string	Gateway error code. `00` = no error
`amount`	string	Charged amount in decimal format
`tax`	string	Tax amount applied
`customfee`	string	Custom fee applied to the transaction
`msg`	string	Result (e.g. `APPROVED`)
`desc`	string	Detailed description including the approval code
`additional_info`	string \| null	Reserved for additional metadata
`clerk_id`	string \| null	Clerk identifier, if provided
`clerk_name`	string \| null	Clerk name, if provided
`clerk_label`	string \| null	Clerk label, if provided
`additionalKeyOne`	string \| null	Custom key field 1
`additionalKeyTwo`	string \| null	Custom key field 2
`additionalValueOne`	string \| null	Custom value field 1
`additionalValueTwo`	string \| null	Custom value field 2
`approval_code`	string	Issuer-returned authorization code
`rrn`	string	Retrieval reference number for reconciliation
`txnid`	string	Unique transaction identifier
`created_date`	string	Transaction date in `DD/MM/YYYY` format
`created_time`	string	Transaction time in `HH:MM:SS` format
`tran_no`	integer	Sequential transaction number within the batch
`stan`	integer	System trace audit number
`batch_no`	integer	Settlement batch identifier
`is_partial_approve`	integer	`1` if partially approved; `0` for full approval
`partial_amount`	string	Approved amount in zero-padded 12-digit format
`pan`	string	Masked card number — last 4 digits shown (e.g. `XXXX1111`)
`card_type`	string \| null	Card type, if returned by the issuer
`phone_number`	string	Cardholder phone number, if provided
`email_id`	string	Cardholder email address, if provided
`zip`	string \| null	Billing ZIP code, if provided
`card_holder_name`	string	Name on card, if provided
`expiry_date`	string	Card expiry. Returns `"/"` when not stored with the token
`address`	string	Billing address, if provided
`epi`	string	Merchant terminal / EPI identifier
`channel`	string	Transaction channel (e.g. `ECOMM`)
`orderdescription`	string	Item or order description
`invoicenumber`	string	Merchant-supplied invoice reference
`token`	string	Partially masked card token used for this transaction
`card_brand`	string	Card network (e.g. `Visa`, `Mastercard`)
`netamt`	number	Net amount charged including all fees

Response — 400 (Declined)

{
  "error_no": "E98",
  "error_code": "V1",
  "success_url": false,
  "txnid": "10337055",
  "batch_no": 136,
  "switch_error_code": "V0605",
  "mesg": "Invalid card token",
  "desc": "Error code :V1",
  "msg": "Invalid card token",
  "isFlexSendOrNot": "V0605"
}

Response fields

Field	Type	Description
`error_no`	string	`E98` indicates a declined transaction
`error_code`	string	Decline code (e.g. `V1` = invalid card token)
`success_url`	boolean	Always `false` for declined transactions
`txnid`	string	Transaction identifier (assigned even on decline)
`batch_no`	integer	Settlement batch identifier
`switch_error_code`	string	Switch-level error code returned by the network
`mesg`	string	Error message
`msg`	string	Error message
`desc`	string	Detailed error description
`isFlexSendOrNot`	string	Flex routing indicator; mirrors `switch_error_code`

Response — 400 (Processing Error)

{
  "error_no": "D06",
  "mesg": "PROCESSING ERROR",
  "msg": "PROCESSING ERROR",
  "desc": "NOT A VALID APP ID"
}

Response fields

Field	Type	Description
`error_no`	string	`D06` indicates an invalid App ID
`mesg`	string	Error message
`msg`	string	Error message
`desc`	string	Detailed description of the error cause

Error code reference

`error_no`	Meaning	Typical cause
`S00`	Approved	Transaction successful
`E98`	Declined	Card token is invalid or expired
`D06`	Processing error	App ID is invalid or unrecognised

Create Page Token

Response — 200 OK

Response fields

Response — 400 (Processing Error)

Response fields

Error code reference

Create Card Token

Response — 200 OK (Token Created)

Response fields

Response — 200 OK (Card Declined)

Response fields

switch_response fields

Response — 400 (Processing Error)

Response fields

Error code reference

Sale API

Response — 200 OK (Approved)

Response fields

Response — 400 (Declined)

Response fields

Response — 400 (Processing Error)

Response fields

Error code reference

`switch_response` fields