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POST /api/payment-process
// from your server, never the browser
x-api-key: your-merchant-key

{
  "merchantIdentifier": "6c63548f-…",
  "referenceCode": "ORDER-2026-000123",
  "amount": "49.90",
  "currency": "USD",
  "postbackUrl": "https://shop.example/hook"
}
200 status: APPROVED · message: 01-Approved

Accept card payments from your server

One API key, two ways to take a card. Send the card from your server, or let the shopper type it into a hosted checkout so it never touches you. Then follow the payment to its final status and refund it.