---
title: "Epay Card Processing"
slug: "epay-card-processing"
updated: 2026-02-27T08:17:26Z
published: 2026-02-27T08:17:26Z
canonical: "docs.apcopay.com/epay-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.

# Epay Card Processing

## Supported Transaction Types

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

*Direct Connect only

## Integrations Supported

**Deposit:**

- [x] [Hosted Payment Page](https://apcopay.redoc.ly/#tag/Hosted-Payment-Page)
- [x] [Direct Connect ( server-to-server)](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC)

**Refund:**

- [ ] Hosted Payment Page
- [x] [Direct Connect ( server-to-server)](https://apcopay.redoc.ly/#operation/PaymentOperationAUTHPURC)

## Supported Wallet

- [ ] GooglePay
- [ ] Applepay

## 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": "EPAY" }, | "Routing": { "ForceBank": "EPAY" }, |
| **Client Information** | "Client": { "Email": "apcotest@test.com", "FirstName": "APCO", "LastName": "Test", "City": "Valletta", "IPAddress": "214.21.134.79", "ClientAccount": "testing", "ZIPCode": "1234", "Country": "USA", "Street": "Street1", "MobileNo": "35699887766" } | "Client": { "Email": "apcotest@test.com", "FirstName": "APCO", "LastName": "Test", "City": "Valletta", "IPAddress": "214.21.134.79", "ClientAccount": "testing", "ZIPCode": "1234", "Country": "USA", "Street": "Street1", "MobileNo": "35699887766" } |
| **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" |

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

```json
{
  "TransactionType": "PURC",
  "Amount": "1.00",
  "Currency": "USD",
  "OrderReference": "order1234",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https:/https://www.yourURLhere.com/Listener",
  "FailRedirectionURL": "https://yourURLhere.com/FailRedirect/",
  "IsTest": "True",
  "Routing": {
    "ForceBank": "EPAY"
  },
  "Client": {
    "Email": "apcotest@test.com",
    "FirstName": "APCO",
    "LastName": "Test",
    "City": "Valletta",
    "IPAddress": "214.21.134.79",
    "ClientAccount": "testing",
    "ZIPCode": "1234",
    "Country": "USA",
    "Street": "Street1",
    "MobileNo": "35699777766"
  }
}
```

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

```json
{
  "TransactionType": "PURC",
  "Amount": "100",
  "Currency": "USD",
  "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": "EPAY"
  },
  "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": "41422345" |
| **Test Indicator (required in Sandbox Environment)** | "IsTest": "True" |

**Sample Refund request:**

```json
 {
  "TransactionType": "PARTIALREFUND",
  "Amount": "1.10",
  "Currency": "USD",
  "OrderReference": "order 1234",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "Country" : "MLT", 
  "IsTest": "True",
  "ClientAccount": "CLI102134511",
  "PspID":"4124743"
}
```

## Test card Numbers

| Card Type | Card Number | Result |
| --- | --- | --- |
| Visa | 4440000009900010 | Success |
| Visa | 4440000042200014 | Failed |
| Master | 5123450000000008 | Success |
| Master | 5200000000001096 | Failed |
| JCB | 3530111333300000 | Success |
| JCB | 3566027046765007 | Failed |
| AmericanExpress | 341829238058580 | Success |
| AmericanExpress | 345678901234564 | Failed |
| Discover | 6011111111111117 | Success |
| Discover | 6011111111111118 | Failed |

## 3D Payment Test Cards

| Card Type | Card Number | Result |
| --- | --- | --- |
| Visa | 4000000000001000 | Success |
| Visa | 4000000000001091 | Failed |
| Master | 5200000000000007 | Success |
| Master | 5200000000001112 | Failed |
| JCB | 3582069482684995 | Success |
| JCB | 3528257085901927 | Failed |
| AmericanExpress | 371064645462927 | Success |
| AmericanExpress | 344282679519362 | Failed |

##