STP Card Processing

Supported Transaction Types

• Authorisation AUTH

• Capture CAPT

• Purchase PURC

• Refund PARTIALREFUND

• Void GENERALVOID  

• Payouts ORIGINALCREDIT

• Recurring AUTH / PURC

Integrations Supported

Deposit - Authorisation / Purchase

• Hosted Payment Page

• Direct Connect ( server-to-server)

Capture, Void, Refunds, Payouts, Recurring

• Hosted Payment Page

• Direct Connect ( server-to-server)

Additional attributes to process Deposits

You must include the following JSON Attributes to the payload. These attributes inform us to proceed with the redirection to STPCards to finalize the payment process.

If you are using our Hosted Payment Page

Sample requests using our Hosted Payment Page can be viewed here.

{
  "TransactionType": "PURC",
  "Amount": "1.00",
  "Currency": "EUR",
  "OrderReference": "Apco STPCARDS TEST",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "FailRedirectionURL": "https://www.yourURLhere.com/Redirect",
  "IsTest": "True",
  "Routing": {
    "ForceBank": "STPCARDS"
  },
  "Client": {
    "Email": "test@test.com",
    "FirstName": "Test",
    "LastName": "Test",
    "Country": "MLT",
    "Street": "Test",
    "City": "Athens",
    "ZIPCode": "152 35",
    "MobileNo" : "35612345678"
  }
}

If you are using our direct connect solution (server-to-server)

Sample requests using Direct Connect can be viewed here.

 {
  "TransactionType": "PURC",
  "Amount": "5.00",
  "Currency": "EUR",
  "IsTest": true,
  "OrderReference": "MonetixCards Direct Deposit",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "PaymentCredentials": {
    "PaymentSource": "Card",
    "CardType": "VISA",
    "CardNumber": "4242424242424242",
    "CardHolderName": "Frictionless Processed",
    "ExpMonth": "12",
    "ExpYear": "2030",
    "CvV2": "666"
  },
  "Client": {
    "FirstName": "Apco",
    "LastName": "Test",
    "Email": "apcotest@test.com",
    "Street": "1,Street",
    "City": "Marsa",
    "ZIPCode": "MRS3000",
    "Country": "MLT",
    "State": "Rabat",
    "MobileNo": "20100000000",
    "IPAddress": "192.168.0.1",
    "ClientAccount": "1234"
  },
  "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"
  },
  "Routing": {
    "ForceBank": "STPCARDS"
  }
}

Requesting a Capture

If you wish to Capture a transaction of type AuthorisationBelow are the mandatory fields.

sample request for processing a capture request.

{
"TransactionType": "CAPT",
"Amount": 10.00,
"CallBackURL": "https://www.yourURLhere.com/Listener",
"IsTest": true,
"UniqueReference": "6514441d-8abe-4d7b-9e0c-3aa386333b34",
"PspID":"839791"
}

Requesting a Payout

Using our direct integration, below are the mandatory fields required to process a payout. We currently support three options for payout:

• via a PSP ID

• via a Card Token

• via a full Card PAN details

Sample Payout Request using the PSP ID

{
  "TransactionType": "ORIGINALCREDIT",
  "Amount": "1.23",
  "Currency": "EUR",
  "OrderReference": "123",
  "IsTest": true,
  "RedirectionURL": "https://www.yourURLhere.com/Redirect/",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "Client": {
    "Email": "test@test.com",
    "FirstName": "Test",
    "LastName": "Test",
    "Country": "MLT",
    "Street": "Test",
    "City": "Athens",
    "ZIPCode": "152 35",
    "MobileNo" : "35612345678",
    "IPAddress" : "1.1.1.1"
  },
  "Routing": {
    "ForceBank": "STPCARDS"
  },
  "PaymentDestination": {
    "PaymentMethod": "Card",
    "CardNumber": "4000000000000408",
    "CvV2": 321,
    "ExpMonth": "01",
    "ExpYear": "2026",
    "CardHolderName": "Joe Bloggs"
  }
}

Requesting a Recurring transaction

The mandatory fields are required to process a recurring transaction using our direct connect integration. Note that we use a transaction reference as payment credentials since a recurring transaction is linked to an original deposit.

Sample Request of a Recurring transaction

{
  "TransactionType": "PURC",
  "Amount": "1.00",
  "Currency": "EUR",
  "RedirectionURL": "https://www.yourURLhere.com/Redirect",
  "CallBackURL": "https://www.yourURLhere.com/Listener",
  "IsTest": "False",
   "UDF": {
    "Extra1": "Value1",
    "Extra2": "Value2"
  },
  "Routing":{
     "ForceBank": "STPCARDS"
  },
  "PaymentCredentials":  {
     "PaymentSource": "TransactionReference"
  },
  "PSPID": "970328",
  "Client": {
    "FirstName": "Apco",
    "LastName": "Test",
    "ClientAccount": "APCOPAY TEST",
    "IPAddress": "212.152.12.12",
    "Email": "apcotest@test.com",
    "MobileNo": "003577824322",
    "Profile": "termsandconditions",
    "DateOfBirth": "19001212",
    "City": "cityTest",
    "Street": "fake123",
    "Country": "MLT"
  }
}

Test Credentials

Test Card details below. You must use a future expiry date and use “Frictionless Processed” as the cardholder name, for more test information on different card use cases here.