Create a Payment — POST /v1/payments

Use this endpoint to submit a card payment through Accelebit. You provide the card details, billing information, amount, and currency, and Accelebit routes the transaction to the optimal upstream provider based on currency and availability. The response tells you whether the payment was captured immediately, requires 3D Secure authentication, or failed.

Always supply a unique Idempotency-Key on every request. If a request is retried with the same key, Accelebit returns the original response without creating a duplicate payment.

Headers

X-API-Key

string

required

Your secret API key. Starts with smtgw_sk_.

Idempotency-Key

string

required

A unique key to prevent duplicate payments. Use a UUID or an order-specific identifier.

Content-Type

string

required

Must be application/json.

Request body

amount

string

required

Payment amount as a decimal string. For example: "55.00" or "100.50". Maximum two decimal places.

currency

string

required

Three-letter ISO 4217 currency code. Automatically uppercased. For example: "EUR", "USD", "GBP".

paymentMethod

string

default:"card"

Payment method type. One of card or stored_card.

customerId

string

required

Your external customer identifier. Used to resolve or create a customer record in Accelebit.

card

object

Card details. Required when paymentMethod is card.

Show card properties

card.number

string

required

Card number (PAN). 13–19 digits.

card.expiryMonth

string

required

Two-digit expiry month. "01" through "12".

card.expiryYear

string

required

Two-digit expiry year. For example: "28" for 2028.

card.cvv

string

required

Card verification value. 3–4 digits.

card.holderName

string

required

Name as printed on the card.

storedCardId

string

UUID of a previously stored card. Required when paymentMethod is stored_card.

billing

object

Billing information for the cardholder.

Show billing properties

billing.firstName

string

Cardholder’s first name.

billing.lastName

string

Cardholder’s last name.

billing.email

string

required

Cardholder’s email address.

billing.phone

string

required

Phone number including country code. Minimum 5 characters. For example: "+35699123456".

billing.country

string

required

ISO 3166-1 alpha-2 country code. Automatically uppercased. For example: "MT", "DE".

billing.address

string

required

Street address line 1.

billing.addressLine2

string

Street address line 2.

billing.city

string

required

City.

billing.postalCode

string

required

Postal or ZIP code.

billing.state

string

State or province. Required for US and CA addresses.

billing.ipAddress

string

Customer’s IPv4 address. If omitted, Accelebit uses the IP from the incoming request.

billing.dob

string

Date of birth in YYYY-MM-DD format. Required by some providers (Everest).

billing.gender

string

"M" or "F". Required by some providers (Everest).

merchantRef

string

Your own reference ID, such as an order number. You can use this value to look up the payment later via GET /v1/payments?merchantRef=....

returnUrl

string

URL to redirect the customer to after 3D Secure authentication completes. Required if your integration handles 3DS flows.

deviceFingerprint

string

Device fingerprint string. Maximum 128 characters. Passed to the upstream provider for fraud scoring.

metadata

object

Arbitrary key-value pairs to attach to this payment. Stored by Accelebit but not forwarded to providers.

Response

data

object

Show data properties

string

UUID of the created transaction.

status

string

Transaction status. One of: captured, authorized, pending_3ds, failed.

amount

string

Payment amount as a decimal string. Matches the value you submitted.

currency

string

Three-letter ISO 4217 currency code.

provider

string

The upstream provider that processed the payment. For example: "everest", "triple000".

threeDsRequired

boolean

true if the customer must complete 3D Secure authentication before the payment can be captured.

threeDsData

object

3DS redirect data. null if 3DS is not required.

Show threeDsData properties

redirectUrl

string

URL to redirect the customer to for 3DS authentication.

method

string

HTTP method for the redirect. Either "GET" or "POST".

parameters

object

Key-value pairs to submit alongside the redirect. Only populated for POST redirects.

createdAt

string

ISO 8601 timestamp of when the payment was created.

curl -X POST https://api.gateway.accelebit.com/v1/payments \
  -H "Content-Type: application/json" \
  -H "X-API-Key: smtgw_sk_test_your_secret_key" \
  -H "Idempotency-Key: pay_abc123" \
  -d '{
    "amount": "55.00",
    "currency": "EUR",
    "paymentMethod": "card",
    "customerId": "user_12345",
    "card": {
      "number": "4111111111111111",
      "expiryMonth": "12",
      "expiryYear": "28",
      "cvv": "123",
      "holderName": "Jane Doe"
    },
    "billing": {
      "firstName": "Jane",
      "lastName": "Doe",
      "email": "jane@example.com",
      "phone": "+35699123456",
      "country": "MT",
      "address": "123 Main Street",
      "city": "Valletta",
      "postalCode": "VLT 1000"
    },
    "returnUrl": "https://yoursite.com/payment/callback",
    "merchantRef": "order_98765"
  }'

{
  "data": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "status": "captured",
    "amount": "55.00",
    "currency": "EUR",
    "provider": "everest",
    "threeDsRequired": false,
    "threeDsData": null,
    "createdAt": "2026-04-09T12:01:00.000Z"
  }
}

Documentation Index

​Headers

​Request body

​Response

Headers

Request body

Response