💳 Payment Without Registration

You can withdraw money from a card to the merchant’s account without registering the card using two endpoints:

🔗 Endpoints

1. BASE_URL/merchant/paymentWithoutRegistration/
2. BASE_URL/merchant/confirmPayment/

---

🛠️ Payment Flow

1️⃣ Create Transaction

• Send a request to merchant/paymentWithoutRegistration/.
• The response returns a transactionId.
• An OTP is sent to the cardholder’s phone number.

2️⃣ Confirm Payment

• Send the transactionId and OTP to merchant/confirmPayment/.
• The payment is finalized after successful confirmation.

---

📝 Create Payment Transaction

📌 Fields

Field	Sample Data	Type	Required	Description
amount	1000	int	✅ Yes	Amount in SUM. Example: 1000 = 1 Thousand SUM
cardNumber	9860000000000000	string	✅ Yes	Uzcard/Humo card number
expireDate	3003	string	✅ Yes	Expiration date in YYMM format
account	{ "field_name": "data" }	dict	❌ No	Additional data. Send an empty object if not used: "account": {}

---

🔑 Request

Endpoint details

Method: POST
URL: BASE_URL/merchant/paymentWithoutRegistration/
Header:

Authorization: Bearer <ACCESS_TOKEN>

Request Body:

{
  "cardNumber": "8600030403000000",
  "expireDate": "2611",
  "amount": 10,
  "account": {
    "order_id": "123123"
  }
}

---

📥 Response

{
  "result": {
    "transactionId": "42de5cf4-c744-44c0-9153-3fbd769ec042",
    "otpSentPhone": "********6466",
    "extId": null
  },
  "error": null
}

🔔 Note: An OTP will be sent to the phone number linked to the card.

---

✅ Confirm Payment

📌 Fields

Field	Sample Data	Type	Required	Description
transactionId	9f877739-bc25-4f0f-a13f-ec485fd04250	string	✅ Yes	Transaction ID returned from the previous request
otp	123456	string	✅ Yes	6-digit OTP sent to the cardholder

---

🔑 Request

Endpoint details

Method: POST
URL: BASE_URL/merchant/confirmPayment/
Header:

Authorization: Bearer <ACCESS_TOKEN>

Request Body:

{
  "transactionId": "42de5cf4-c744-44c0-9153-3fbd769ec042",
  "otp": "568068"
}

---

📥 Response

{
  "result": {
    "status": "success",
    "transactionId": "42de5cf4-c744-44c0-9153-3fbd769ec042"
  },
  "error": null
}