---
title: "APG Direct Card Processing"
slug: "apg-card-processing"
updated: 2026-02-27T08:23:32Z
published: 2026-02-27T08:23:32Z
canonical: "docs.apcopay.com/apg-card-processing"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.apcopay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# APG Direct Card Processing

## Supported Transaction Types

- [ ] Authorisation
- [ ] Capture
- [x] Purchase
- [x] Refund*
- [ ] Void

*Direct Connect only

## Integrations Supported

**Deposit:**

- [x] Hosted Payment Page
- [x] Direct Connect ( server-to-server)

**Refund:**

- [ ] Hosted Payment Page
- [x] Direct Connect ( server-to-server)

## Supported Wallet

- [ ] GooglePay
- [ ] Applepay

Official Visa & Mastercard logo can be found [here](/v1/docs/official-visa-mastercard-logo).

## Currencies & Countries Supported

| Title | Description |
| --- | --- |
| **Currencies Supported** | USD, HKD, GBP, JPY, EUR and others |

## Additional Parameters Required for Deposit

Depending on the integration type being used, these are the additional parameters required

| Description | Hosted Payment Page | Direct Connect |
| --- | --- | --- |
| **Force Transaction Routing** | "Routing": { "ForceBank": "APGDIRECT" }, | "Routing": { "ForceBank": "APGDIRECT" }, |
| **Client Information** | "Client": { "FirstName": "Fyorin", "LastName": "Test", "IPAddress": "212.152.12.12", "Email": "apcotest@test.com", "Street": "King Street", "City": "cityTest", "State": "Michigan", "ZIPcode": "12345", * "Country": "Malta", "MobileNo" : "123456" } | "Client": { "FirstName": "Fyorin", "LastName": "Test", "IPAddress": "212.152.12.12", "Email": "apcotest@test.com", "Street": "King Street", "City": "cityTest", "State": "Michigan", "ZIPcode": "12345", * "Country": "Malta", "MobileNo" : "123456" } |
| **Payment Credentials** |  | "PaymentCredentials": { "PaymentSource": "Card", "CardNumber": "5351772561457936", "CvV2": "483", "ExpMonth": "05", "ExpYear": "2029", "CardHolderName": "Cardholder Test" }, |
| **Test Indicator (required in Sandbox Environment)** | "IsTest": "True" | "IsTest": "True" |

*ZIP code is only required when the country is either USA (United States of America) or CAN (Canada).

Further details regarding the parameters, including data types and acceptable ranges, can be found [here](/v1/docs/input-parameters).

You can view the API reference documentation here for the [hosted payment page](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page) or the [direct connect](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC) solution.

#### Sample Request via **Hosted Payment Page**

```json
 {
  "TransactionType": "PURC",
  "Amount": 1,
  "Currency": "HKD",
  "ClientAccount": "testing",
  "OrderReference": "A1",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https:/https://www.yourURLhere.com/Listener",
  "Routing": {
    "ForceBank": "APGDIRECT"
  },
  "IsTest": "True",
  "Client": {
    "FirstName": "Fyorin",
    "LastName": "Card",
    "ClientAccount": "APCOPAY TEST",
    "IPAddress": "212.152.12.12",
    "Email": "apcotest@test.com",
    "MobileNo": "003577824322",
    "DateOfBirth": "19001212",
    "City": "cityTest",
    "Street": "fake123",
    "Country": "MLT"
  }
}
```

#### **Sample Request** via Direct Connect

```json
{
  "TransactionType": "PURC",
  "Amount": "100",
  "Currency": "HKD",
  "OrderReference": "123456",
  "PaymentCredentials": {
    "PaymentSource": "Card",
    "CardNumber": 5351772561457936,
    "CvV2": "483",
    "ExpMonth": "05",
    "ExpYear": "2029",
    "CardHolderName": "Cardholder Test"
  },
  "Client": {
    "ClientAccount": "APCOPAY TEST",
    "FirstName": "John",
    "LastName": "Doe",
    "Email": "apcopayintegrations@apcopay.com",
    "City": "Fakecity",
    "IPAddress": "127.0.0.1"
  },
  "Routing": {
    "ForceBank": "APGDIRECT"
  },
  "BrowserDetails": {
    "UserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/91.0.4472.124 Safari/537.36",
    "JavaEnabled": true,
    "ScreenColorDepth": "1",
    "ScreenWidth": "1080",
    "ScreenHeight": "840",
    "TimeZone": "2",
    "AcceptHeader": "application/json",
    "BrowserLanguage": "en"
  },
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https:/https://www.yourURLhere.com/Listener",
  "IsTest": "True"
}
```

## 

## Additional Parameters Required for Refund

Below are the additional tag/s required to process a refund.

| Description | Direct Connect |
| --- | --- |
| **Transaction Reference** | "PspID": "414223" |
| **Test Indicator (required in Sandbox Environment)** | "IsTest": "True" |

**Sample Refund request**

```json
 {
  "TransactionType": "PARTIALREFUND",
  "Amount": "1.10",
  "Currency": "HKD",
  "OrderReference": "APG Direct - Refund",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "Country" : "MLT", 
  "IsTest": "True",
  "ClientAccount": "CLI102134511",
  "PspID":"41247"
}
```

## Test card Numbers

APG Test Card Numbers

|  | Test Card Number |
| --- | --- |
| Card Number for 3DS | 3566000000000003 |
| Card Number for Non-3DS | 3566111111111113 |

## Technical Configuration for Production

APG Direct will provide the credentials once the merchant onboarding process is complete. These are to be forwarded to Apcopay for us to configure on our system.