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
}

OTP is sent by the card processing center

• The OTP code is sent by the Uzcard / Humo processing center, not by Paylov or the merchant.
• The SMS goes to the phone number linked to the card (masked in otpSentPhone).
• The SMS sender is the processing center (e.g. UZCARD or HUMO), and the message text may not contain the merchant's name. In this case, contact Paylov staff: they will assign an SMS name to the merchant, and the merchant's name will additionally appear in the OTP SMS.
• If SMS notifications are not enabled for the card, the OTP will not be delivered.

Recommendation: before asking for the code, show the user a message like: "The confirmation code will be sent by Uzcard/Humo to the phone number linked to your card: ********0000."

---