payabl. API


payabl. provides an end-to-end payment technology platform for accepting payments using a wide range of payment methods. The platform offers an extensive set of customizable integration solutions and plugins, which allow merchants to provide an optimized customer experience.

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Learn how to handle pre-authorization requests.

The Pre-Authorization interface is suitable for the business where you need time before claiming funds from customers. If you plan to use a pre-authorization request when you need to claim funds manually through a Capture interface.
The Pre-Authorization interface will verify the credit card data, credit line, and reserve the requested funds.


If you do not claim funds after you did the pre-authorization request, it will expire. Meaning that when you will try to capture funds from the customer, it will be declined by card schemes.

Step 1. Send a request

To initiate a transaction you need to send an authorization request with payment and customer data:


In your request, include:

  • merchantid : The merchant identification number is issued during account creation.
  • amount : The amount field contains the transaction’s total amount. This is the amount that will be transmitted to the authorizing system.
  • currency : TThe currency field contains the alphanumeric currency code for the transaction, according to ISO 4217, e.g. EUR, USD, AUD, CAD, NOK, SEK, CHF. to
  • payment_method : Valid payment method id, e.g. 1 = Credit Card.
  • signature : The signature field contains a 40-figure hexadecimal value. This signature value is a checksum designed to protect the merchant account from unauthorized access..
  • ccn : The ccn field contains the customer's credit card number. The payment gateway is capable of processing any credit card type.
  • exp_month
  • exp_year
  • cvc_code
  • cardholder_name
  • email : A RFC 822 compliant email address
  • customerip

Request example


Step 2. 3DSecure

payabl. will send a response with url_3ds parameter. The status of the transaction will be pending errorcode=2000.


3DSecure step depends on the processing countries and the technical settings of the account.

Response example


After you received the 3D Secure URL, you need to decode it and redirect the customers to it. When customers need to provide PIN/passphrase to their bank/customer’s credit card institution for transaction verification.

An internal notification will be sent to the merchant’s notification URL and the customer will be redirected to the url_return if the 3D Secure step was successful.

Notification example

"security=6def3e9d217612fcba5264315a0eef45cf7b0130&type=capture&transactionid=213592105&errorcode=0&errormessage=&orderid=Powercash21-Test" ""

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Updated 6 days ago


Learn how to handle pre-authorization requests.

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