Access Worldpay
/
Take repeat payments
/
Authorize using Card on File with verification

Card Payments (6)

Payments root resource, returns links to available payments actions.

Download OpenAPI description
openapi.json
openapi.yaml
Languages
Servers
testing (try)
https://try.access.worldpay.com/
live
https://access.worldpay.com/

Take a one-time payment

To take a payment, you must first create an authorization request. Your response contains links to your next available actions.

Operations

Take repeat payments

Take a payment using a stored credential

Operations

Authorize using Card on File with verification

Request

Use our card on file authorize resource when your customer is initiating a payment using stored card details verifying their account first

Path
linkDatastringrequired

Action link that's received in your request

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

intentstring

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
customerobject

An object that contains riskProfile and authentication of the customer.

riskProfilestring
authenticationany

An object containing 3DS or Network Token authnentication of the customer

application/vnd.worldpay.payments-v6+json

Payment authorization for GBP 2.50

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity"
  },
  "instruction": {
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      }
    }
  }
}

Responses

The payment authorization has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject

An object containing information returned by the scheme.

referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Payment authorization for GBP 2.50 with a successful outcome

{
  "outcome": "authorized",
  "_links": {
    "payments:cancel": {
      "href": "/payments/authorizations/cancellations/linkData"
    },
    "payments:settle": {
      "href": "/payments/settlements/linkData"
    },
    "payments:partialSettle": {
      "href": "/payments/settlements/partials/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "payments:cardOnFileAuthorize": {
      "href": "/payments/cardOnFile/linkData"
    },
    "payments:recurringAuthorize": {
      "href": "/payments/recurring/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Authorize using Card on File no verification

Request

Use our card on file authorize resource when your customer is initiating a payment using stored card details (without verifying their account first)

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

intentstring

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
schemeobject
merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

channelstring

The payment channel indicates the interaction of the cardholder with the merchant. Supply a value of moto to process an authorization as a Mail Order or Telephone Order (MOTO) transaction. If channel is not provided, the authorization will be processed as ecommerce by default

Value"moto"
customerobject

An object that contains riskProfile and authentication of the customer.

riskProfilestring
authenticationany

An object containing 3DS or Network Token authnentication of the customer

application/vnd.worldpay.payments-v6+json

Payment authorization for GBP 2.50

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity"
  },
  "instruction": {
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      }
    }
  }
}

Responses

The authorization for migrated Card On File has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject

An object containing information returned by the scheme.

referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Payment authorization for GBP 2.50 with a successful outcome

{
  "outcome": "authorized",
  "_links": {
    "payments:cancel": {
      "href": "/payments/authorizations/cancellations/linkData"
    },
    "payments:settle": {
      "href": "/payments/settlements/linkData"
    },
    "payments:partialSettle": {
      "href": "/payments/settlements/partials/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "payments:cardOnFileAuthorize": {
      "href": "/payments/cardOnFile/linkData"
    },
    "payments:recurringAuthorize": {
      "href": "/payments/recurring/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Card on File Sale

Request

Use our card on file sale resource when your customer is initiating a payment using stored card details, and you want to instantly trigger the settlement process

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

intentstring

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
schemeobject
merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

channelstring

The payment channel indicates the interaction of the cardholder with the merchant. Supply a value of moto to process an authorization as a Mail Order or Telephone Order (MOTO) transaction. If channel is not provided, the authorization will be processed as ecommerce by default

Value"moto"
customerobject

An object that contains riskProfile and authentication of the customer.

riskProfilestring
authenticationany

An object containing 3DS or Network Token authnentication of the customer

application/vnd.worldpay.payments-v6+json

Card sale for GBP 2.50

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity"
  },
  "instruction": {
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      }
    }
  }
}

Responses

The sale for migrated Card On File has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject

An object containing information returned by the scheme.

referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Sale for GBP 2.50 with a successful outcome

{
  "outcome": "Sent For Settlement",
  "_links": {
    "payments:refund": {
      "href": "/payments/settlements/refunds/:linkData"
    },
    "payments:partialRefund": {
      "href": "/payments/settlements/refunds/partials/:linkData"
    },
    "payments:reversal": {
      "href": "/payments/sales/reversals/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Authorize Recurring Payment no verification

Request

Use our migrate recurring authorize resource when you are initiating a payment using your customer's stored card details, without verifying their account first

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

intentstringrequired

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

application/vnd.worldpay.payments-v6+json

Recurring payment authorization for GBP 2.50

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity"
  },
  "instruction": {
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      }
    },
    "intent": "subscription"
  }
}

Responses

The recurring payment authorization has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject

An object containing information returned by the scheme.

referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Recurring payment authorization for GBP 2.50 with a successful outcome

{
  "outcome": "authorized",
  "_links": {
    "payments:cancel": {
      "href": "/payments/authorizations/cancellations/linkData"
    },
    "payments:settle": {
      "href": "/payments/settlements/linkData"
    },
    "payments:partialSettle": {
      "href": "/payments/settlements/partials/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Authorize Recurring Payment with verification

Request

Use our recurring authorize resources when you are initiating a payment using your customer's stored card details, verifying your customer's account first.

Path
linkDatastringrequired

Action link that's received in your request

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

intentstringrequired

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

application/vnd.worldpay.payments-v6+json

Recurring payment authorization for GBP 2.50

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity"
  },
  "instruction": {
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      }
    },
    "intent": "subscription"
  }
}

Responses

The recurring payment authorization has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject

An object containing information returned by the scheme.

referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Recurring payment authorization for GBP 2.50 with a successful outcome

{
  "outcome": "authorized",
  "_links": {
    "payments:cancel": {
      "href": "/payments/authorizations/cancellations/linkData"
    },
    "payments:settle": {
      "href": "/payments/settlements/linkData"
    },
    "payments:partialSettle": {
      "href": "/payments/settlements/partials/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Recurring Sale

Request

Use our recurring sale resource to authorize and settle merchant initiated transactions where you have stored the card details. You must verify your customer's account before submitting your first recurring payment for authorization.

Path
linkDatastringrequired

Action link that's received in your request

Headers
Content-Typestringrequired
Example: application/vnd.worldpay.payments-v6+json
Acceptstring
Example: application/vnd.worldpay.payments-v6.hal+json
Bodyapplication/vnd.worldpay.payments-v6+json
transactionReferencestringrequired

A unique reference generated by you that is used to identify a payment throughout its lifecycle.

merchantobjectrequired

An object that contains information about the merchant.

entitystringrequired

Direct your payment to assist with billing, reporting and reconciliation. This is mandatory for authentication and queries.

mccstring

You can apply a merchant category code mcc to an individual request. You can only provide an mcc if we have enabled the dynamic mcc feature during boarding. If enabled but not provided, merchant.mcc defaults to a configured value.

paymentFacilitatorobject

An object containing Payment Facilitator information. This information is required for every authorization only if you are a Payment Facilitator.

instructionobjectrequired

An object that contains all information related to the payment.

narrativeobjectrequired

The text that appears on your customer's statement. Used to identify the merchant.

intentstringrequired

A parameter detailing the reason for this particular card on file agreement.

Enum"instalment""subscription"
paymentInstrumentobjectrequired
valueobjectrequired

An object that contains information about the value of the payment.

debtRepaymentboolean

DRI is a flag which identifies a payment as being for the purpose of repaying a debt.

application/vnd.worldpay.payments-v6+json

Recurring sale with all optional fields

{
  "transactionReference": "transaction-ref",
  "merchant": {
    "entity": "an-entity",
    "mcc": "1234",
    "paymentFacilitator": {
      "pfId": "12345",
      "isoId": "12345",
      "subMerchant": {
        "name": "Merchant Plc",
        "merchantId": "12345",
        "postalCode": "SW1 1AA",
        "street": "Regent Street",
        "city": "London",
        "countryCode": "123",
        "taxId": "12345",
        "state": "St8"
      }
    }
  },
  "instruction": {
    "debtRepayment": true,
    "narrative": {
      "line1": "trading name",
      "line2": "order number"
    },
    "value": {
      "currency": "GBP",
      "amount": 250
    },
    "paymentInstrument": {
      "type": "card/plain",
      "cardNumber": "4444333322221111",
      "cardExpiryDate": {
        "month": 12,
        "year": 2024
      },
      "cardHolderName": "John Appleseed",
      "billingAddress": {
        "address1": "address line 1",
        "address2": "address line 2",
        "address3": "address line 3",
        "city": "city",
        "state": "state",
        "postalCode": "12345",
        "countryCode": "IT"
      }
    },
    "intent": "subscription"
  }
}

Responses

The recurring payment has been successfully created

Bodyapplication/vnd.worldpay.payments-v6.hal+json
outcomestringrequired

Outcome of the request.

Discriminator
exemptionobject

An exemption result and reason if a risk profile was included in your authorization request.

resultstringrequired
reasonstringrequired
issuerobject

An object containing information returned by the issuer.

authorizationCodestringrequired
paymentInstrumentobject

Full details of the paymentInstrument used.

typestring
cardobject
riskFactorsArray of objects

Any risk factors which have been identified for the authorization. This section will not appear if no risks are identified.

typestringrequired
Enum"avs""cvc""riskProfile"
riskstringrequired
Enum"not_checked""not_matched""not_supplied""verificationFailed"
detailstring
Enum"address""postcode"
schemeobject
referencestringrequired
Response
application/vnd.worldpay.payments-v6.hal+json

Payment sale with all optional fields

{
  "outcome": "authorized",
  "issuer": {
    "authorizationCode": "012345"
  },
  "riskFactors": [
    {
      "type": "cvc",
      "risk": "not_matched"
    },
    {
      "type": "avs",
      "detail": "postcode",
      "risk": "not_checked"
    }
  ],
  "_links": {
    "payments:refund": {
      "href": "/payments/settlements/refunds/:linkData"
    },
    "payments:partialRefund": {
      "href": "/payments/settlements/refunds/partials/:linkData"
    },
    "payments:reversal": {
      "href": "/payments/sales/reversals/linkData"
    },
    "payments:events": {
      "href": "/payments/events/linkData"
    },
    "curies": [
      {
        "name": "payments",
        "href": "/rels/payments/{rel}",
        "templated": true
      }
    ]
  }
}

Manage Payments

Cancel, settle, refund or reverse payments

Operations

Query a Payment

Send a request to find out the current status of your payment after it has been authorized.

Operations