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

string

required

Your secret API key. Starts with smtgw_sk_.

string

required

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

string

required

Must be application/json.

Request body

string

required

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

string

required

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

string

default:"card"

Payment method type. One of card or stored_card.

string

required

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

object

Card details. Required when paymentMethod is card.

Show card properties

string

required

Card number (PAN). 13–19 digits.

string

required

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

string

required

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

string

required

Card verification value. 3–4 digits.

string

required

Name as printed on the card.

string

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

object

Billing information for the cardholder.

Show billing properties

string

Cardholder’s first name.

string

Cardholder’s last name.

string

required

Cardholder’s email address.

string

required

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

string

required

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

string

required

Street address line 1.

string

Street address line 2.

string

required

City.

string

required

Postal or ZIP code.

string

State or province. Required for US and CA addresses.

string

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

string

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

string

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

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=....

string

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

string

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

object

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

Response

object

Show data properties

string

UUID of the created transaction.

string

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

string

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

string

Three-letter ISO 4217 currency code.

string

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

boolean

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

object

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

Show threeDsData properties

string

URL to redirect the customer to for 3DS authentication.

string

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

object

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

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"
  }'

const response = await fetch('https://api.gateway.accelebit.com/v1/payments', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-API-Key': process.env.ACCELEBIT_SECRET_KEY!,
    'Idempotency-Key': `pay_${crypto.randomUUID()}`,
  },
  body: JSON.stringify({
    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',
  }),
});

const result = await response.json();

import requests
import uuid

response = requests.post(
    'https://api.gateway.accelebit.com/v1/payments',
    headers={
        'Content-Type': 'application/json',
        'X-API-Key': ACCELEBIT_SECRET_KEY,
        'Idempotency-Key': f'pay_{uuid.uuid4()}',
    },
    json={
        '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',
    },
)

result = response.json()

{
  "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"
  }
}

{
  "data": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "status": "pending_3ds",
    "amount": "55.00",
    "currency": "EUR",
    "provider": "everest",
    "threeDsRequired": true,
    "threeDsData": {
      "redirectUrl": "https://provider.com/3ds/challenge?id=abc123",
      "method": "POST",
      "parameters": {
        "PaReq": "base64encodeddata...",
        "TermUrl": "https://api.gateway.accelebit.com/v1/3ds/callback/abc123"
      }
    },
    "createdAt": "2026-04-09T12:01:00.000Z"
  }
}

{
  "data": null,
  "error": {
    "status": 400,
    "name": "INVALID_REQUEST",
    "message": "Card details required for card payments"
  }
}

{
  "data": null,
  "error": {
    "status": 401,
    "name": "UNAUTHORIZED",
    "message": "Invalid or missing API key"
  }
}

GET /v1/payments/{id} — Retrieve a Payment

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"
  }'

const response = await fetch('https://api.gateway.accelebit.com/v1/payments', {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'X-API-Key': process.env.ACCELEBIT_SECRET_KEY!,
    'Idempotency-Key': `pay_${crypto.randomUUID()}`,
  },
  body: JSON.stringify({
    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',
  }),
});

const result = await response.json();

import requests
import uuid

response = requests.post(
    'https://api.gateway.accelebit.com/v1/payments',
    headers={
        'Content-Type': 'application/json',
        'X-API-Key': ACCELEBIT_SECRET_KEY,
        'Idempotency-Key': f'pay_{uuid.uuid4()}',
    },
    json={
        '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',
    },
)

result = response.json()

{
  "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"
  }
}

{
  "data": {
    "id": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "status": "pending_3ds",
    "amount": "55.00",
    "currency": "EUR",
    "provider": "everest",
    "threeDsRequired": true,
    "threeDsData": {
      "redirectUrl": "https://provider.com/3ds/challenge?id=abc123",
      "method": "POST",
      "parameters": {
        "PaReq": "base64encodeddata...",
        "TermUrl": "https://api.gateway.accelebit.com/v1/3ds/callback/abc123"
      }
    },
    "createdAt": "2026-04-09T12:01:00.000Z"
  }
}

{
  "data": null,
  "error": {
    "status": 400,
    "name": "INVALID_REQUEST",
    "message": "Card details required for card payments"
  }
}

{
  "data": null,
  "error": {
    "status": 401,
    "name": "UNAUTHORIZED",
    "message": "Invalid or missing API key"
  }
}

Payments

Refunds

Customers

Create a Payment — POST /v1/payments

Headers

Request body

Response

​Headers

​Request body

​Response

Headers

Request body

Response