Embedded Card Payment

Introduction

This guide walks you through the complete integration process of EdfaPay’s Server-to-Server (S2S) Card Payment using the SALE action. The S2S SALE API allows merchants to charge cards securely with 3D Secure (3DS) redirection using a backend-to-backend call.

Endpoint

POST https://api.edfapay.com/payment/post

Content-Type: multipart/form-data

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Security Note

All API requests must be sent over HTTPS to ensure data integrity and confidentiality.

Request Parameters

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For order_id

Must be unique per transaction. Duplicate order_id may result in rejected or duplicated payments.

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payer_ip:

Ensure IP address is captured accurately for fraud prevention and 3D Secure validation.

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recurring_init and req_token:

Use "Y" only if initiating tokenization or recurring billing. These options are required for saved cards or subscriptions.

Hash Generation (Request Authentication)

To secure your API request, you must generate a hash using the request data and your secret merchant password. This hash ensures that the request is authentic and hasn’t been tampered with.

Formula

var password = "XXXXXXXXXXXXXX";
var cardNumber = "XXXXXXXXXXXXXXXX";
var email = "[email protected]";

const ReverseString = str => [...str].reverse().join('');

var final = (ReverseString(email) + password + ReverseString(cardNumber.substr(0, 6) + cardNumber.substr(-4))).toUpperCase();
var finalHash = CryptoJS.MD5(final).toString();

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Common Mistakes

Make sure to reverse the email and card segments correctly. Any mismatch between hash calculation on your side and our validation will cause the request to fail.

Notes:

• password → Your secret hash key from EdfaPay.
• cardNumber → The full card number entered by the customer.
• email → The customer’s email used in hash generation.

Example cURL Request

curl --location 'https://api.edfapay.com/payment/post' \
--form 'client_key="XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"' \
--form 'order_id="TEST-XXXXXXXXXXX"' \
--form 'hash="XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX"' \
--form 'order_amount="0.11"' \
--form 'card_number="XXXXXXXXXXXXXXXX"' \
--form 'card_exp_month="XX"' \
--form 'card_exp_year="XXXX"' \
--form 'card_cvv2="XXX"' \
--form 'payer_phone="+XXXXXXXXXXX"' \
--form 'payer_country="SA"' \
--form 'payer_address="[email protected]"' \
--form 'action="SALE"' \
--form 'payer_zip="XXXXXX"' \
--form 'payer_ip="XXX.XX.XX.XXX"' \
--form 'order_currency="SAR"' \
--form 'payer_first_name="XXXXXX"' \
--form 'payer_city="XXXXXX"' \
--form 'auth="N"' \
--form 'payer_last_name="XXXXXX"' \
--form 'order_description="Test Order"' \
--form 'payer_email="[email protected]"' \
--form 'term_url_3ds="https://google.com/"' \
--form 'recurring_init="N"' \
--form 'req_token="N"'

Successful Response

{
  "action": "SALE",
  "result": "REDIRECT",
  "status": "REDIRECT",
  "order_id": "TEST-XXXXXXXXXXX",
  "trans_id": "XXXXXXXXXXXXXXXXXXXXXXXXX",
  "trans_date": "29-07-2025 11:44:35",
  "amount": "0.11",
  "currency": "SAR",
  "redirect_url": "https://pgapi.edfapay.com/s2s/collector/XXXXXXXXXXXXXXXXXXXXXXXXX",
  "redirect_params": {
    "body": "BASE64_ENCODED_JSON_STRING",
  },
  "redirect_method": "POST",
  "merchant_id": "Merchant_name"
}

• action: The type of transaction performed (always SALE).
• result: Tells you what to do next (REDIRECT means further action is needed).
• status: Current transaction status (also REDIRECT here).
• order_id: The order ID you sent in the original request.
• trans_id: Unique transaction ID generated by EdfaPay (also used at the end of the redirect_url).
• trans_date: The date and time of the transaction.
• amount: The transaction amount.
• currency: The currency used (e.g., SAR).
• redirect_url: The URL to which you should send the next POST request.
• redirect_params.body: Base64-encoded data to include in the POST request body.
• redirect_method: HTTP method to use for the redirect (always POST).
• merchant_id: Merchant Name.

Redirect to Collector

POST https://pgapi.edfapay.com/s2s/collector/{trans_id}

Content-Type: application/json

{
  "body": "BASE64_ENCODED_JSON_STRING"
}

Use the value from redirect_params.body received in the response on the Successful Response of the Sale API

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Important Note

The body must be sent exactly as received from redirect_params.body. It is Base64-encoded JSON that the collector uses to complete the transaction.

Response

This request will return an HTML page (3DS challenge, OTP, etc.) which must be rendered to the user. You can open this in:

• A browser (web integration)
• A WebView (mobile apps)