Tutorials
Originate a push transaction
7min
in this tutorial, you'll learn how to ✅ sign up a card ✅ send a push payment this tutorial assumes you have a knowledge of apis and how they work refer to the api basics docid\ hjr4y6ml96zuyj6trytom for more details the tutorial uses these api endpoints api description card management docid\ m1 fwo7rozkip1glx3cdo signs up a card transaction management docid\ wboa2sa1cfmr2woynicv8 sends a payment the tutorial uses these webhooks webhook description cardauthorized reports when a card authorization attempt is completed shows you the status of the card transaction reports a transaction before you begin make sure you have api credentials successfully register for webhook events docid\ tb06o1ygmh0xc xxwqy4m to receive webhook event notifications card management docid\ m1 fwo7rozkip1glx3cdo you are pushing funds to requestid your unique reference id cardtoken the token you received when you registered the card the dollar amount to send enough funds in your account the name of the person or organization originating the push transaction register the relevant webhook events use this endpoint, post /api/webhookregistrations , to sign up to receive the webhooks available for p2c these webhooks report relevant events back to your system in real time this keeps you up to date on each transaction sign up a card to start a transaction you must first register a card we use different endpoints to be able to secure your customer's debit card numbers to register a card, send cross river the card number the card number is instantly converted into a token cross river doesn't save any card number information doing this asynchronously allows cross river to store your customer's card information this ensures that you don't need to retrieve the card information again it also keeps your customer's data secure call card management docid\ m1 fwo7rozkip1glx3cdo when a card is registered, cross river validates the card with the relevant card network this makes sure the card is a valid card and that it is allowed to receive payments the cardauthorized webhook is triggered sample request post /api/card { "requestid" "49af65c0 f815 4f49 ba8d b67bf1b125f4", "firstname" "joseph", "lastname" "roll", "ownerexternalid" "4444", "address1" "123 main street", "city" "venice", "state" "ca", "zipcode" "10989", "countrycode" "us", "phonenumber" "5555559275", "email" "{youremail}", "creditcardnumber" "full card number", "expirationmonth" "06", "expirationyear" "20", "ccv" "420" } start a payment when you send funds directly to a debit card, we call this a push payment, or a push to card (p2c) transaction authenticate into the cross river system this returns a token to you use the token to call post /api/transaction cross river sends this request to the card networks the networks direct the transaction to the right bank the issuing bank (of the registered debit card) receives the transaction the issuing bank either authorizes or declines the transaction if the bank authorizes the transaction, your payee will receive the funds sample request post /api/transaction { "requestid" "{id}", "cardtoken" "omozbsflnaug8e2134udh18wilo2qda9k6xqvn", "amount" 100 01, "sourcesendername" "" } after we receive a successful authorization from the card network, we will respond to your api call the response looks like this sample response post /api/transaction { "result" { "transactionrequestid" "e91ea2c5 e8dc 4790 acf7 5dea1cab7216", "amount" 100, "transactionrequestedat" "2019 09 10t00 28 37 76", "transactionstatus" "succeeded", "errordescription" null, "creditcardid" "omozbsflnaug8e2134udh18wilo2qda9k6xqvn", "railid" "rs2", "network" "visa", "retrievalreferenceid" "actualtransactiondoneat" "2019 09 10t12 28 51", "paymentsent" true, "requestapproved" true, "responsereceived" true, "responsecode" "00", "responsedescription" "approved", "tracenumber" "000001", "error" null, "sourcesendername" null, "sourcemcc" 5981, }, "issuccessfull" true }