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Pay with Link (Card Payment)

Overview​

The 88Pay Card Payment Link API enables merchants to generate secure, shareable checkout links for credit or debit card payments. This method is ideal for sending payment requests via email, SMS, WhatsApp, or embedding in QR codes.

Once the customer opens the link, they are redirected to an 88Pay-hosted checkout page where they can safely complete the payment using their card.

Payment Flow​

Follow these steps to generate and use a card payment link:

To initiate the process, the merchant sends a POST request to the /link/create endpoint with the necessary order and customer details.

Endpoint​

POST /link/create

Request Body​

{
  "amount": "200",
  "currency": "USD",
  "email": "customer@example.com",
  "description": "Order #12345",
  "merchantId": "2X2X2X2",
  "country": "COL",
  "origin": "api"
}

Parameters

Field Type Description amount string Amount to be paid in USD. currency string Currency code (e.g., "USD"). email string Customer’s email address. description string Description or reference for the payment (e.g., invoice number). merchantId string Unique merchant ID provided by 88Pay. country string ISO 3166-1 alpha-3 country code (e.g., "COL" for Colombia). origin string Source of the request (e.g., "api", "web").

Example Response

{
  "status": true,
  "link": "https://card.88pay.io/checkout/xyz123abc",
  "message": "Payment link created successfully"
}

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  1. Share the Link with the Customer

Once the link is generated, share it via email, SMS, WhatsApp, or any preferred method:

https://card.88pay.io/checkout/xyz123abc

The customer will be redirected to a secure 88Pay-hosted checkout page.

⸻

  1. Customer Completes the Payment

On the checkout page, the customer will: • Enter their card details. • Pass through 3D Secure (OTP) authentication, if required. • Receive an on-screen confirmation.

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  1. Payment Confirmation

Once the payment is processed: • 88Pay will notify your backend via a webhook (if configured). • You can also query the payment status via the API.

⸻

  1. Webhook Notifications (Recommended)

To automatically track payment events, configure a webhook URL in your 88Pay merchant dashboard.

Example Webhook Payload

{
  "status": "success",
  "merchantId": "2X2X2X2",
  "amount": "200",
  "currency": "USD",
  "cardType": "VISA",
  "last4": "1234",
  "paymentLinkId": "xyz123abc",
  "authorizationCode": "A1B2C3",
  "timestamp": "2025-05-01T22:05:30Z"
}

Possible status values • "pending": Payment initialized, awaiting customer action. • "success": Payment completed and authorized. • "failed": Payment failed, cancelled, or expired.

⸻

Security and Best Practices • Validate webhooks using HMAC signature headers. • Use HTTPS for all communication. • Do not reuse expired links—always generate a new one per transaction. • Set link expiration times to avoid abuse (e.g., 15–30 minutes). • Store all payment attempts for traceability.

⸻

Notes • Links are single-use and expire after payment or after a configured timeout. • For testing, contact support to request a sandbox link generator.