Credit Card API Introduction
Less than 1 minute
Getting started
Use Sandbox for integration tests, then switch to Production when you go live. For merchant credentials and environment switching, see the integration guide. For request signing, see signature generation.
Documentation languages
Credit card API docs are available in English and Chinese first. Indonesian and Thai translations will follow.
API reference
| Area | Documentation |
|---|---|
| Transaction | Pay-in collection |
| Inquiry | Balance inquiry · Transaction status |
| Payment methods | Payment methods |
Environment Configuration
| Environment | Protocol | Media Type | Base URL |
|---|---|---|---|
| Sandbox | HTTPS | application/json | https://sandbox-gateway.smilepayz.com |
| Production | HTTPS | application/json | https://gateway.smilepayz.com |
API Overview
Credit Card Payment Gateway APIs support pay-in only (no pay-out) for USD and EUR. The structure matches fiat region docs for pay-in and inquiry; card and billing details are not sent in the merchant pay-in request—they are collected on the SmilePayZ hosted cashier after you redirect the payer to channel.paymentUrl.
Key characteristics
- Currencies: USD (area code
40), EUR (area code41) - Card organizations: Visa, Mastercard (subject to merchant enablement)
- Minimal pay-in payload: order, merchant, and amount only—do not send
paymentMethod, card number, CVV, or billing address in the API request - Hosted cashier: every credit card pay-in returns a platform
paymentUrl; the payer completes card entry on our cashier page - Pay-in only: pay-out and fiat withdrawal are not supported for this dimension
- Enterprise security: HTTPS transport, request signing, and callback verification
For cashier branding (logo, theme), see Cashier Settings Guide.