Credit

There may be scenarios in which you need to transfer funds from your account directly to your customer, unrelated to a previous customer transaction. You can do this by invoking a Create Credit request, which credits your customer’s credit card for the amount you specify.

Bear in mind that a Create Credit request is not the same as a Refund. Refunds should be used in the case where you need to return a charged amount to the customer. A Credit request, in contrast, is not related to any previous customer transaction.

Let’s proceed to create a Credit. If you imported our Postman Collection, you can follow-along with the examples by invoking the requests in the Credit folder.

Using your customer's card details

If you already have your customer’s card details on file, then you can simply reuse the card information you have to credit your customer. If not, you will need to collect and tokenize your customer’s card details first.

Step 1: Create the Payment

Create a payment by calling the Create Payment endpoint:

javascript
curl

    var request = new XMLHttpRequest();
    request.open('POST', 'https://api.paymentsos.com/payments');
    request.setRequestHeader('Content-Type', 'application/json');
    request.setRequestHeader('api-version', '1.3.0');
    request.setRequestHeader('x-payments-os-env', 'test');
    request.setRequestHeader('app-id', 'com.zooz.docapp');
    request.setRequestHeader('private-key', 'bede7ee5-eaaq-4c9a-bc1f-617ba28256ae');
    request.setRequestHeader('idempotency-key', 'cust-34532-trans-001356-p');
    var body = {
      'amount': 34800,
      'currency': 'EUR',
      'statement_soft_descriptor': 'Oil lamp'};
    request.send(JSON.stringify(body));

    curl --compressed -X POST \
      https://api.paymentsos.com/payments \
      -H 'Content-Type: application/json' \
      -H 'api-version: 1.3.0' \
      -H 'x-payments-os-env: test' \
      -H 'app-id: com.zooz.docapp' \
      -H 'private-key: bede7ee5-eaaq-4c9a-bc1f-617ba28256ae' \
      -H 'idempotency-key: cust-34532-trans-001356-p' \
      -d '{
      "amount": 31602077,
      "currency": "EUR",
      "statement_soft_descriptor": "Oil lamp"
      }'

Payment Object

The Create Payment API creates a payment object. The payment object provides a single reference to all the transactions that make up a payment. For more information, see Understanding the Payment Object.

Step 2: Create the Credit

Credit your customer by calling the Create Credit endpoint:

javascript
curl

    var request = new XMLHttpRequest();
    request.open('POST', 'https://api.paymentsos.com/payments/{payment_id}/credits');
    request.setRequestHeader('Content-Type', 'application/json');
    request.setRequestHeader('api-version', '1.3.0');
    request.setRequestHeader('x-payments-os-env', 'test');
    request.setRequestHeader('app-id', 'com.zooz.docapp');
    request.setRequestHeader('private-key', 'bede7ee5-eaaq-4c9a-bc1f-617ba28256ae');
    request.setRequestHeader('idempotency-key', 'cust-34532-trans-001356-a');
    var body = {
      'payment_method': {
        'type': 'tokenized',
        'token': '9640e09b-85d0-4509-a19c-90aa65eb386a',
        'credit_card_cvv': '1231'},
      'reconciliation_id': '23434534534'};
    request.send(JSON.stringify(body));

    curl --compressed -X POST \
      https://api.paymentsos.com/payments/{payment_id}/credits \
      -H 'Content-Type: application/json' \
      -H 'api-version: 1.3.0' \
      -H 'x-payments-os-env: test' \
      -H 'app-id: com.zooz.docapp' \
      -H 'private-key: bede7ee5-eaaq-4c9a-bc1f-617ba28256ae' \
      -H 'idempotency-key: cust-34532-trans-001356-p' \
      -d '{
      "payment_method": {
        "type": "tokenized",
        "token": "9640e09b-85d0-4509-a19c-90aa65eb386a",
        "credit_card_cvv": "1231"
      },
      "reconciliation_id": "23434534534"
    }'

Passing Full Credit Card Details

If you are SAQ D compliant, you can pass full credit card details without using our tokenization service. To do so, you must pass a payment method type of untokenized and a source_type of credit_card in the request body. For the complete body structure, see the Create Credit request in the Payments API reference.

Last modified July 17, 2025