Credit / Debit Cards

GetzPay enables you to seamlessly charge local and international credit / debit cards that are on Visa and Mastercard. We build our integrations to optimize card acceptance rates for all the cards that we help you to accept.

Why Use GetzPay for Cards

On top of having leading acceptance rates for domestic and international credit / debit cards, as well as robust fraud detection systems, our suite of Cards features includes support for:

Types: One-time payments
Authentication: Dynamic 3D Secure

Our card processing system is protected by fraud decetion and prevention systems. All cards transactions are reflected in the GetzPay Dashboard.

Card Payment Flow

Getting Started

The three main methods of accepting card payments with GetzPay are:

Payment Link

Auto generated payment page

Login with your merchant account, in 'Other Payment Methods' section, select 'Payment Link' and fill in the mandatory textfield.

Sample Screenshot

To learn more about the parameters, please check the 'Button parameters' table of 1.Embed the Payment Button.

Reference Id
This ID can be served as the merchant reference ID. This ID should be unique in the merchant system.
Total Amount
The total amount to be charged to the customer credit card. It should be the sum of the subtotal for each item, delivery charge, discounted amount and tax amount.
Success Page URL
URL to go when users have completed the payment in GetzPay page.
Cancel Page URL
URL to go when users click 'Cancel' in GetzPay page.
Items List
1. Item : Title/name for item x (x can range from 1 to 20). Eg. $4.99 Voucher deal.
2. Description : Description for the item x.
3. Items Quantity : The quantity for item x.
4. Items Amount : The unit price for item x.

Redirect Link

Please see the Redirect Link section for more information.

1. Embed the Payment Button

To get started, add the following 'sample code' to your checkout page. For details of each parameter, look at the 'button parameters' table after the sample code.

Sample Code

    '<form action="{getzpay-url}" method="post" >'
        '<input type="hidden" name="version" value="3.0" />'
        '<input type="hidden" name="action" value="pay" />'
        '<input type="hidden" name="merchant" value="your@email.com" />'
        '<input type="hidden" name="customer_idd" value="65">'
        '<input type="hidden" name="customer_contact" value="123456789">'
        '<input type="hidden" name="customer_email" value="customer@email.com">'
        '<input type="hidden" name="ref_id" value="" />'
        '<input type="hidden" name="item_name_1" value="item 1" />'
        '<input type="hidden" name="item_sku_1" value="SKU1">'
        '<input type="hidden" name="item_description_1" value="Description for item 1" />'
        '<input type="hidden" name="item_quantity_1" value="1" />'
        '<input type="hidden" name="item_amount_1" value="1.00" />'
        '<input type="hidden" name="item_packingfee_1" value="0">'
        '<input type="hidden" name="is_taxable_1" value="1">'
        '<input type="hidden" name="is_discountable_1" value="1">'
        '<input type="hidden" name="is_pointsable_1" value="1">'
        '<input type="hidden" name="item_name_2" value="item 2" />'
        '<input type="hidden" name="item_description_2" value="Description for item 2" />'
        '<input type="hidden" name="item_quantity_2" value="1" />'
        '<input type="hidden" name="item_amount_2" value="1.00" />'
        '<input type="hidden" name="item_packingfee_2" value="0">'
        '<input type="hidden" name="is_taxable_2" value="1">'
        '<input type="hidden" name="is_discountable_2" value="1">'
        '<input type="hidden" name="is_pointsable_2" value="1">'
        '<!--(Optional) <input type="hidden" name="delivery_charge" value="0.00" />-->'
        '<!--(Optional) <input type="hidden" name="tax_amount" value="0.00" />-->'
        '<!--(Optional) <input type="hidden" name="tax_percentage " value="8.00" />-->'
        '<!--(Optional) <input type="hidden" name="fulfilled_date_time" value="2022-03-07 10:30"> -->'
        '<!--(Optional) <input type="hidden" name="fulfilled_date_time_to" value="2022-03-07 10:45"> -->'
        '<input type="hidden" name="currency" value="SGD" />'
        '<input type="hidden" name="order_tag" value="STATIONORDERING">'
        '<input type="hidden" name="delivery_charge" value="0">'
        '<input type="hidden" name="discount_1_total" value="1">'
        '<input type="hidden" name="discount_1_value" value="0">'
        '<input type="hidden" name="discount_1_type" value="1">'
        '<input type="hidden" name="total_amount" value="2.00" />'
        '<input type="hidden" name="success_url" value="http://www.yourweb.com/SuccessPage" />'
        '<input type="hidden" name="skip_success_page" value="1">'
        '<input type="hidden" name="cancel_url" value="http://www.yourweb.com" />'
        '<!--(Optional) <input type="hidden" name="str_url" value="http://www.yourweb.com/StrHandler" />-->'
        '<input type="hidden" name="signature" value="">'
        '<input type="hidden" name="signature_algorithm" value="sha1">'
        '<input type="image" src="https://www.getzpay.com/img/btn_getzpay_v1.png" name="submit" alt="GetzPay!" />'
    '</form>'

Button Parameters

Name	Description
version	Fixed. Please use '3.0'.
action	The action of the current payment. Currently, GetzPay supports only 'pay'
merchant	Email address/user ID of the merchant account registered with GetzPay.
ref_id	This ID can be served as the merchant reference ID. This ID should be unique in the merchant system.
item_name_x	Title/name for item x (x can range from 1 to 20). Eg. $4.99 Voucher deal
item_description_x	Description for the item x.
item_quantity_x	The quantity for item x
item_amount_x	The unit price for item x.
delivery_charge (optional)	The amount for delivery charge. (For display only, total amount will not be affected) Default: 0.00 if not specified
discount_amount (optional)	New!The discounted amount. (Eg. -2.50 for discount of $2.50) (For display only, total amount will not be affected) Default: 0.00 if not specified
tax_amount (optional)	The amount for tax. (For display only, total amount will not be affected) Default: 0.00 if not specified If specified, the parameter 'tax_percentage' must be specified.
tax_percentage (optional)	The percentage of the tax. Eg. '8' (for 8%) (For display only, total amount will not be affected) Default: 0 if not specified If specified, the parameter 'tax_amount' must be specified.
fulfilled_date_time (optional)	New!This value will be used to determine the voucher redemption eligibility. (Eg. 2016-05-05 22:22) Default: Current Date Time if not specified
currency	Currently, GetzPay supports only 'SGD' and 'USD'. Default: 'SGD'
total_amount	The total amount to be charged to the customer credit card. It should be the sum of the subtotal for each item, delivery charge, discounted amount and tax amount.
success_url	URL to go when users have completed the payment in GetzPay page.
skip_success_page (optional)	Use '1' - Yes. '0' - No (default) If 'skip_success_page' flag is set to '1', customer will not see the GetzPay success page after payment is made successfully. The customer will instead be redirected back to the provided 'success_url'. Transaction response and payment details will be added to the 'success_url' and the details are: - 'merchant' - 'ref_id' - 'reference_code' - 'response_code' - 'currency' - 'total_amount' - 'signature' - 'signature_algorithm' The description for each field is exactly the same as the STR fields. Please refer to the 'STR Parameters' section for more information. Eg. 'success_url' = http://www.website.com/success When the payment is made successfully, the customer will be redirected to the Url: http://www.website.com/success?merchant=your@email.com; ref_id=yourReference;reference_code=GetzPayReference; response_code=1;currency=SGD;total_amount=2.00; signature=52Hoducpo254hoUfhac;signature_algorithm=sha1
cancel_url	URL to go when users click 'Cancel' in GetzPay page.
str_url (optional)	GetzPay Transaction Response Url. When a payment is successfully paid, GetzPay Server will post a STR to this URL with the transaction details before the customer is redirected to the 'GetzPay Success Page'.
customer_idd (optional)	New!Customer country calling code (IDD) to be pre-populated into the Contact number field inside GetzPay checkout page. (Ignore the '+' sign)
customer_contact (optional)	New!Customer mobile number to be pre-populated into the Contact number field inside GetzPay checkout page. (Exclude country calling codes) If specified, the parameter 'customer_idd' must be specified.
customer_email (optional)	New!Customer email address to be pre-populated into the Email field inside GetzPay checkout page.
signature	An unique signature generated using the 'Secret Key' found in your merchant setting page. Concatenating the following fields: - Note! Secret Key (Found in your merchant setting page) - the form post 'merchant' value - the form post 'action' value (Eg. 'pay') - the form post 'ref_id' value - the form post 'total_amount' value (Eg. '2.00') - the form post 'currency' value (Eg. 'SGD') For more information on the signature generation, please refer to the 'Signature Generation' section.
signature_algorithm	Fixed. Please use 'sha1'.
item_sku_x	The SKU for item x.
item_packingfee_x	The packingfee for item x.
is_taxable_x	Use - '0' = Not Taxable - '1'= Taxable if 'item_taxable_x' flag is set to 1, the item will be taxed.
is_discountable_x	Use - '0' = Not Discountable - '1'= Discountable if 'item_discountable_x' flag is set to 1, Items can be discounted if the transaction uses a voucher.
is_pointsable_x	Use - '0' = Not Pointsable - '1'= Pointsable if 'item_pointsable_x' flag is set to 1, Items can be discounted if the transaction uses a voucher.
fulfilled_date_time_to	New!This value will be used to determine the voucher redemption eligibility. (Eg. 2016-05-05 22:22) Default: Current Date Time if not specified
order_tag	- DELIVERY - DINEIN - TAKEAWAY
discount_x_total	The discounted amount.(Eg. if discount_x_type '1', discount_x_value '10', total_amount '100'. discount_x_total is '10'.
discount_x_value	The discounted value
discount_x_type	use - '0' = $ - '1' = % if 'discount_x_type' flag is set to 0, discount type is $

2. Signature Generation

The signature is used to protect the data exchanged between your server with GetzPay server. The signature should be generated using the following two steps:

Step 1
Concatenate the relevant parameters into a single string (Eg. signature for form post)
1. Secret Key (Found in your merchant setting page)
2. The form post 'merchant' value
3. The form post 'action' value (Eg. 'pay')
4. The form post 'ref_id' value
5. The form post 'total_amount' value (Eg. '2.00')
6. The form post 'currency' value (Eg. 'SGD')
Step 2
Hash the concatenated string using SHA1 algorithm.
Sample codes: PHP

    "$dataToBeHashed = $secret_key"
                ". $merchant"
                ". $action"
                ". $ref_id"
                ". $total_amount"
                ". $currency;"
    "$utfString = mb_convert_encoding($dataToBeHashed, "UTF-8");"
    "$signature = sha1($utfString, false);"

Sample codes: ASP .Net (C#)

    "string dataToBeHashed = SecretKey"
                        "+ MerchantEmail"
                        "+ Action"
                        "+ ReferenceId"
                        "+ TotalAmount"
                        "+ Currency;"
    "var sha1 = new SHA1CryptoServiceProvider();"
    "var passwordBytes = Encoding.UTF8.GetBytes(dataToBeHashed);"
    "var passwordHash = sha1.ComputeHash(passwordBytes);"
    "var signature = BitConverter.ToString(passwordHash).Replace("-", string.Empty).ToLowerInvariant();"

Sample codes: Java
We recommend you to use Apache Commons Codec (version 1.7+) for the hash function.

  "String dataToBeHashed = SecretKey"
                "+ MerchantEmail"
                "+ Action"
                "+ ReferenceId"
                "+ TotalAmount"
                "+ Currency;"
   "String signature = DigestUtils.sha1Hex(dataToBeHashed);"

3. Redirect Method (Signature is not required)

In this method, server to server call is used. Hence the signature is not required in the POST form. Usage / Flow:

Use
1. PHP : Curl
2. C# : HttpWebRequest/HttpWebResponse or WebClient or HttpClient to make a server to server POST to GetzPay server.
GetzPay will return a JSON response.
Decode the JSON response to retrieve the 'redirect_url'.
Redirect the customer to the 'redirect_url' to continue with the payment.
Sample Code

    '<form action="{getzpay-url}" method="post" >'
        '<input type="hidden" name="version" value="3.0" />'
        '<input type="hidden" name="action" value="pay" />'
        '<input type="hidden" name="merchant" value="your@email.com" />'
        '<input type="hidden" name="customer_idd" value="65">'
        '<input type="hidden" name="customer_contact" value="123456789">'
        '<input type="hidden" name="customer_email" value="customer@email.com">'
        '<input type="hidden" name="ref_id" value="" />'
        '<input type="hidden" name="item_name_1" value="item 1" />'
        '<input type="hidden" name="item_sku_1" value="SKU1">'
        '<input type="hidden" name="item_description_1" value="Description for item 1" />'
        '<input type="hidden" name="item_quantity_1" value="1" />'
        '<input type="hidden" name="item_amount_1" value="1.00" />'
        '<input type="hidden" name="item_packingfee_1" value="0">'
        '<input type="hidden" name="is_taxable_1" value="1">'
        '<input type="hidden" name="is_discountable_1" value="1">'
        '<input type="hidden" name="is_pointsable_1" value="1">'
        '<input type="hidden" name="item_name_2" value="item 2" />'
        '<input type="hidden" name="item_description_2" value="Description for item 2" />'
        '<input type="hidden" name="item_quantity_2" value="1" />'
        '<input type="hidden" name="item_amount_2" value="1.00" />'
        '<input type="hidden" name="item_packingfee_2" value="0">'
        '<input type="hidden" name="is_taxable_2" value="1">'
        '<input type="hidden" name="is_discountable_2" value="1">'
        '<input type="hidden" name="is_pointsable_2" value="1">'
        '<!--(Optional) <input type="hidden" name="delivery_charge" value="0.00" />-->'
        '<!--(Optional) <input type="hidden" name="tax_amount" value="0.00" />-->'
        '<!--(Optional) <input type="hidden" name="tax_percentage " value="8.00" />-->'
        '<!--(Optional) <input type="hidden" name="fulfilled_date_time" value="2022-03-07 10:30"> -->'
        '<!--(Optional) <input type="hidden" name="fulfilled_date_time_to" value="2022-03-07 10:45"> -->'
        '<input type="hidden" name="currency" value="SGD" />'
        '<input type="hidden" name="order_tag" value="STATIONORDERING">'
        '<input type="hidden" name="delivery_charge" value="0">'
        '<input type="hidden" name="discount_1_total" value="1">'
        '<input type="hidden" name="discount_1_value" value="0">'
        '<input type="hidden" name="discount_1_type" value="1">'
        '<input type="hidden" name="total_amount" value="2.00" />'
        '<input type="hidden" name="success_url" value="http://www.yourweb.com/SuccessPage" />'
        '<input type="hidden" name="skip_success_page" value="1">'
        '<input type="hidden" name="cancel_url" value="http://www.yourweb.com" />'
        '<!--(Optional) <input type="hidden" name="str_url" value="http://www.yourweb.com/StrHandler" />-->'
        '<input type="image" src="https://www.getzpay.com/img/btn_getzpay_v1.png" name="submit" alt="GetzPay!" />'
    '</form>'

Please refer to Button Parameters for more parameter information and usage. Note! The "signature" and "signature_method" parameters are not required in this method.

Sample Response (JSON)

"status":1,"redirect_url":"{getzpay-url}","message":"Success"

Name	Type	Description
status	int	1 - Success -1 - Failed
redirect_url	string	The url to be used to redirect the customer to immediately.
message	string	Contains success message or fail message

Cards APIs

Please continue to the onboarding & activation section.

Credit / Debit Cards

Why Use GetzPay for Cards​

Card Payment Flow​

Getting Started​

Payment Link​

Auto generated payment page​

Sample Screenshot​

Reference Id​

Total Amount​

Success Page URL​

Cancel Page URL​

Items List​

Redirect Link​

1. Embed the Payment Button​

Sample Code​

Button Parameters​

2. Signature Generation​

Step 1​

Step 2​

Sample codes: PHP​

Sample codes: ASP .Net (C#)​

Sample codes: Java​

3. Redirect Method (Signature is not required)​

Sample Code​

Sample Response (JSON)​

Cards APIs​

Why Use GetzPay for Cards

Card Payment Flow

Getting Started

Payment Link

Auto generated payment page

Sample Screenshot

Reference Id

Total Amount

Success Page URL

Cancel Page URL

Items List

Redirect Link

1. Embed the Payment Button

Sample Code

Button Parameters

2. Signature Generation

Step 1

Step 2

Sample codes: PHP

Sample codes: ASP .Net (C#)

Sample codes: Java

3. Redirect Method (Signature is not required)

Sample Code

Sample Response (JSON)

Cards APIs