Accept a card payment

Collecting payments on your website consists of creating a payment object, collecting card information, and confirming the payment.

Live demoSource code

Integration#

1. Create a Payment Server-side#

Create a Payment on your server with an amount and currency. Always decide how much to charge on the server side, a trusted environment, as opposed to the client. This prevents malicious customers from being able to choose their own prices.

POST https://api.monei.net/v1/payments
curl --request POST 'https://api.monei.net/v1/payments' \
--header 'Authorization: pk_test_3c140607778e1217f56ccb8b50540e00' \
--header 'Content-Type: application/json' \
--data-raw '{
"amount": 110,
"currency": "EUR",
"orderId": "14379133960355",
"description": "Test Shop - #14379133960355",
"customer": {
"email": "john.doe@microapps.com"
},
"callbackUrl": "https://example.com/checkout/callback"
}'

The following parameters are required:

  • amount positive integer - Amount intended to be collected by this payment. A positive integer representing how much to charge in the smallest currency unit (e.g., 100 cents to charge 1.00 USD)
  • currency string - Three-letter ISO currency code, in uppercase. Must be a supported currency.
  • orderId string - An order ID from your system. A unique identifier that can be used to reconcile the payment with your internal system.
  • callbackUrl string - The URL to which a payment result should be sent asynchronously.

Check all available request parameters.

Included in the returned Payment object is a payment id, which is used on the client side to securely complete the payment process instead of passing the entire Payment object.

2. Collect card details Client-side#

Include monei.js on your checkout page by adding the script tag to the head of your HTML file.

checkout.html
<head>
<title>Checkout</title>
<script src="https://js.monei.net/v1/monei.js"></script>
</head>

Add MONEI Card Input Component to your payment page. Create empty DOM nodes (containers) with unique IDs in your payment form.

checkout.html
<form
action="https://secure.monei.net/payments/{{payment_id}}/confirm"
method="post"
id="payment-form"
>
<div class="card-field">
<div id="card-input">
<!-- A MONEI Card Input Component will be inserted here. -->
</div>
<!-- Used to display card errors. -->
<div id="card-error"></div>
</div>
<button type="submit" id="payment-button">Submit payment</button>
</form>

Initialize MONEI Card Input

client.js
var container = document.getElementById('card-input');
var errorText = document.getElementById('card-error');
// Create an instance of the Card Input using payment_id.
var cardInput = monei.CardInput({
paymentId: '{{payment_id}}',
onChange: function (event) {
// Handle real-time validation errors.
if (event.isTouched && event.error) {
container.classList.add('is-invalid');
errorText.innerText = event.error;
} else {
container.classList.remove('is-invalid');
errorText.innerText = '';
}
}
});
// Render an instance of the Card Input into the `card_input` <div>.
cardInput.render(container);

The Card Input Component simplifies the form and minimizes the number of required fields by inserting a single, flexible input field that securely collects all necessary card and billing details.

Check MONEI JS Reference for more options.

3. Confirm the payment Client-side#

To complete the payment you need to confirm it using monei.js confirmPayment function

You need to provide a paymentId (obtained in step 1) and paymentToken generated with Card Input Component. You can also provide additional parameters like customer.email. Check all available parameters.

client.js
// Handle form submission.
var paymentForm = document.getElementById('payment-form');
var paymentButton = document.getElementById('payment-button');
paymentForm.addEventListener('submit', function (event) {
event.preventDefault();
paymentButton.disabled = true;
monei
.createToken(cardInput)
.then(function (result) {
console.log(result);
if (result.error) {
// Inform the user if there was an error.
container.classList.add('is-invalid');
errorText.innerText = result.error;
} else {
// Send the token to MONEI.
moneiTokenHandler(result.token);
}
paymentButton.disabled = false;
})
.catch(function (error) {
paymentButton.disabled = false;
console.log(error);
});
});
// Confirm the payment
function moneiTokenHandler(token) {
return monei
.confirmPayment({paymentId: '{{payment_id}}', paymentToken: token})
.then(function (result) {
// At this moment you can show a customer the payment result
// But you should always rely on the result passed to the callback endpoint on your server
// to update the order status
console.log(result);
})
.catch(function (error) {
console.log(error);
});
}

After the form is submitted MONEI will automatically show a popup window with 3d secure confirmation screen (if needed)

note

As an alternative process you can submit generated paymentToken to your sever and then confirm payment on the server-side.

4. An asynchronous request is sent to your server.#

MONEI will notify you about a payment status by sending an HTTP POST request to the callbackUrl. The request body will contain full payment object in JSON format.

This ensures that you get the payment status even when customer closed the browser window or lost internet connection.

The request also contains a MONEI-Signature header. Verify this signature to confirm that received request is sent from MONEI.

To acknowledge receipt of the request, your endpoint must return a 200 HTTP status code to MONEI. All other response codes, including 3xx codes, indicate to MONEI that you did not receive the event.

If MONEI does not receive a 200 HTTP status code, the notification attempt is repeated. After multiple failures to send the notification over multiple days, MONEI marks the request as failed and stops trying to send it to your endpoint.