Card capture and payment processing options
You can mix and match any capture method with any charge method. The example below uses Card By Link and Universal Payment Gateway.
Step 1: Set Up Your Payment Gateway
Before processing charges, set up an account with a supported payment gateway.- Find a supported gateway on the PCI Booking website, or query Get Payment Gateways for the definitive, programmatic list.
- Set up an account with that gateway (or use existing credentials).
- Check Retrieve Credential Structure to see exactly which credential fields that gateway requires.
- Store your gateway credentials in PCI Booking via the Gateway Credentials setup, and reference them by
credentialsIdin requests - don’t pass raw credentials inline on every call.
Step 2: Customize the Card Capture Experience
Brand the capture experience to match your business:- Custom Translations - localize form labels and messages
- Stylesheets - apply custom CSS to the card form
- Card By Link Templates - customize the Card By Link email, SMS, and landing page
Step 3: Collect the Card
Using Card By Link as an example:- Send a Card By Link request to PCI Booking with the cardholder’s email or phone number. Include optional details like amount, currency, and reference number.
- PCI Booking sends a secure link to the cardholder via email or SMS.
- The cardholder clicks the link and enters their card details on a mobile-friendly, PCI Booking-hosted page.
- If configured, a 3D Secure prompt is displayed.
- PCI Booking validates, tokenizes the card, and sends a callback to your system with the token.
Step 4: Charge the Card
Send a Process Transaction request with:- Card token (from the callback)
- Amount and currency
- Gateway name
- Gateway credentials
Status field (Success, Accepted, Rejected, TemporaryFailure, FatalFailure) to determine the outcome, and GatewayDescription/AcquirerDescription for the human-readable reason on a rejection - see Transaction Result Statuses and the full Process Transaction response reference.
Full Example
For this workflow built with the hosted card entry form instead of Card By Link, including 3D Secure, see the complete checkout example and the live demo.Related
- Universal Payment Gateway. Full guide on charging cards through supported gateways.
- Authorize and Capture. Two-step auth + capture flow instead of direct charge.
- Refunds and Voids. Reverse or refund a processed transaction.
- Charge and Save for Future Payments. Need to save the card for future charges? See the full lifecycle guide.
- Process OTA and Channel Manager Payments. Receiving cards from a third party instead? See this workflow.