Last Updated: 23 October 2024 | Change Log
Manage payments
This documentation is for version 7 of the Card Payments API. If you're using version 6, you can find information on how to upgrade in our migration guide.
This document gives an overview on how to cancel, settle, refund or reverse payments.
To manage your payments we recommend using our events service to receive the latest status of your payment to your server in real-time.
Cancel an authorization
If you don't want to proceed with a payment, you can send a cancel request.
POST to the cardPayments:cancel action link, returned in any of your authorization responses, to cancel the authorization.
You can only cancel a payment which is authorized. If the payment is settled, you must create a refund.
Cancel request
POST https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazNhYjYzMiJ9
No request body is needed for this request.
Cancel response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check the status. You can find a link for this in the response body.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:events": { "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [ { "name": "cardPayments", "href": "https://try.access.worldpay.com/rels/cardPayments/{rel}", "templated": true } ] } }
Settle an authorization
To receive all the funds from the customer, send us a settle request.
You can only do this, if you set "requestAutoSettlement" to false in your initial request.
POST to the cardPayments:settle action link, returned in any of the authorization responses, to settle an authorization.
Settle request
POST https://try.access.worldpay.com/payments/settlements/full/eyJrIjoiazNhYjYzMiJ9
No request body is needed for this request.
Marketplaces can optionally provide a body containing marketplace data for settlement requests:
{ "merchant": { "marketplace": { "sellerCountryCode": "GB", "splitFundingReference": "Your split funding reference" } } }
When you make your settle request, the payment event changes to sentForSettlement.
Settle response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check the status. You can find a link for this in the response body, as well as links to refund and partially refund.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:refund": { "href": "https://try.access.worldpay.com/payments/settlements/refunds/full/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:partialRefund": { "href": "https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:events": { "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [ { "name": "cardPayments", "href": "https://try.access.worldpay.com/rels/cardPayments/{rel}", "templated": true } ] } }
Partially settle an authorization
To receive a portion of the funds of a payment, send us a request to partially settle an authorization.
You can only do this, if you set "requestAutoSettlement" to false in your initial request.
POST to the cardPayments:partialSettle action link, returned in your authorization response, to partially settle an authorization. Specify the amount and the required settlement currency in the body.
We do not validate that the currency and amount is the same as the original payment.
Partial settle request
POST https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazNhYjYzMiJ9
{ "value": { "amount": 125, "currency": "GBP" }, "reference": "partial-settle-reference" }
Descriptions of your partial settlement request parameters:
| Parameter | Required | Description |
|---|---|---|
reference | ✅ | A unique reference generated by you to identify the partial settlement. For more information and best practice see transaction reference format. |
sequence.number | Required if supplying marketplace data. Else, optional. | The sequence number for this request for partial settlement. Eg sequence number 1 of 2 total partial settlement requests. |
sequence.total | Required if supplying marketplace data. Else, optional. | The total number of expected partial settlement requests. |
Partial settle response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check the status. You can find a link for this in the response body, as well as links to refund, partially refund, partially settle and cancel your payment.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:refund": { "href": "https://try.access.worldpay.com/payments/settlements/refunds/full/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:partialRefund": { "href": "https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:partialSettle": { "href": "https://try.access.worldpay.com/payments/settlements/partials/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:cancel": { "href": "https://try.access.worldpay.com/payments/authorizations/cancellations/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:events": { "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [{ "name": "cardPayments", "href": "https://try.access.worldpay.com/rels/cardPayments/{rel}", "templated": true }] } }
Fully refund a payment
Send a refund request to return the full settled amount to your customer.
POST to the cardPayments:refund action link received in your full settlement, partial settlement or customerInitiatedTransactions response (where you have requested auto settlement).
Full refund request
POST https://try.access.worldpay.com/payments/settlements/refunds/full/eyJrIjoiazNhYjYzMiJ9
No request body is needed for this request.
Full refund response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check the status. You can find a link for this in the response body.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:events": { "href": "https://access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [ { "name": "cardPayments", "href": "https://access.worldpay.com/rels/cardPayments/{rel}", "templated": true } ] } }
Partially refund a payment
Send a partial refund request to return a portion of the settled amount to your customer.
POST your request to the cardPayments:partialRefund action link, returned in your settlement or customerInitiatedTransactions response.
Partial refund request
Send the amount to refund and the authorization currency in the body.
POST https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9
{ "value": { "amount": 125, "currency": "GBP" }, "reference": "partial-refund-reference" }
Partial refund response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check the status. You can find a link for this in the response body.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:partialRefund": { "href": "https://try.access.worldpay.com/payments/settlements/refunds/partials/eyJrIjoiazNhYjYzMiJ9" }, "cardPayments:events": { "href": "https://try.access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [{ "name": "cardPayments", "href": "https://try.access.worldpay.com/rels/cardPayments/{rel}", "templated": true }] } }
Online refunds
Online refunds allow you to provide notice to cardholders that a refund attempt has been either successfully authorized or refused by the issuer.
The response for online refunds is the same as for standard refunds: you get a 202 HTTP code which confirms we have received your request.
However, the event webhook will contain a refund.onlineRefundAuthorization code for a successful online refund, or a refund.refusal object for a refused online refund.
Reverse a payment
Your reversal request is processed as a cancel or refund request. This depends on the time passed after your customerInitiatedTransactions request was submitted. For US entities the payment is refunded one day after a successful request. Any other payment moves to refunded after 15 minutes.
POST to the cardPayments:reversal action link received in your customerInitiatedTransactions or merchantInitiatedTransactions response.
Reversal request
POST https://try.access.worldpay.com/payments/sales/reversals/eyJrIjoiazNhYjYzMiJ9
No request body is needed for this request.
Reversal response
In the response you get a 202 HTTP code which confirms we have received your request. The request has not processed at this stage. You must query the payment to check if it was canceled or refunded. You can find a link for this in the response body.
If you're using our events service, as per our best practice, you should already have the latest payment status.
{ "_links": { "cardPayments:events": { "href": "https://access.worldpay.com/payments/events/eyJrIjoiazNhYjYzMiJ9" }, "curies": [ { "name": "cardPayments", "href": "https://access.worldpay.com/rels/cardPayments/{rel}", "templated": true } ] } }
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