Charge Transactions on Card

Charge method is triggered every time a transaction is performed. Send a Charge API request with payment details, transaction details, card details, customer details, item details, and shipping address. Successful request returns status_code:200.
The attribute that is used is dependent on the payment method desired.

Card Charge Request

{
  "payment_type": "credit_card",
  "transaction_details": {
    "order_id": "C17550",
    "gross_amount": 145000
  },
  "credit_card": {
    "token_id": "< your token ID >"
  },
  "item_details": [{
      "id": "a1",
      "price": 145000,
      "quantity": 2,
      "name": "Apel",
      "brand": "Fuji Apple",
      "category": "Fruit",
      "merchant_name": "Fruit-store"
    }],
    "customer_details": {
      "first_name": "BUDI",
      "last_name": "UTOMO",
      "email": "[email protected]",
      "phone": "+628123456",
      "billing_address": {
        "first_name": "BUDI",
        "last_name": "UTOMO",
        "email": "[email protected]",
        "phone": "081 2233 44-55",
        "address": "Sudirman",
        "city": "Jakarta",
        "postal_code": "12190",
        "country_code": "IDN"
      },
      "shipping_address": {
        "first_name": "BUDI",
        "last_name": "UTOMO",
        "email": "[email protected]",
        "phone": "0 8128-75 7-9338",
        "address": "Sudirman",
        "city": "Jakarta",
        "postal_code": "12190",
        "country_code": "IDN"
      }
    }
}

JSON Attribute	Description	Type	Required
payment_type	The payment method used by the customer. Value: `credit_card`. Note: For any transactions using payment card (credit or debit), `payment_type` is `credit_card`.	String (255)	Required
transaction_details	The details of the specific transaction such as `order_id` and `gross_amount`.	Object	Required
credit_card	The details of the payment card used for the transaction.	Object	Required
item_details	Details of the item(s) purchased by the customer.	Object	Optional
customer_details	Details of the customer.	Object	Optional

Card Charge Response and Notifications

Sample Response

{
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "order_id": "C17550",
  "gross_amount": "145000.00",
  "payment_type": "credit_card",
  "transaction_time": "2014-08-01 15:39:22",
  "transaction_status": "capture",
  "fraud_status": "accept",
  "masked_card": "48111111-1114",
  "status_code": "200",
  "bank": "bni",
  "status_message": "Success, Credit Card 3D Secure transaction is successful",
  "approval_code": "1408869563148",
  "channel_response_code": "00",
  "channel_response_message": "Approved",
  "currency": "IDR",
  "card_type": "credit",
  "on_us": true,
  "channel": "dragon",
  "expiry_time":"2014-08-09 15:39:22",
  "settlement_time":"2014-08-09 19:00:00"
}

{
    "status_code": "411",
    "status_message": "Token id is missing, invalid, or timed out"
}

{
  "masked_card": "48111111-1114",
  "approval_code": "T58755",
  "bank": "bni",
  "transaction_time": "2014-08-01 15:39:22",
  "gross_amount": "145000.00",
  "order_id": "C17550",
  "payment_type": "credit_card",
  "signature_key": "8d22a6b625f395a1a2cf0e62497e20be433cbad3e8a8ff36bf6b40dbd47308125ccda93546eab8a3acd91390155082658ac25b10a6294c6660642e43a5edc8bb",
  "status_code": "200",
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "transaction_status": "capture",
  "fraud_status": "accept",
  "status_message": "midtrans payment notification",
  "channel_response_code": "00",
  "channel_response_message": "Approved",
  "card_type": "credit",
  "on_us": false
}

{
  "masked_card": "48111111-1114",
  "approval_code": "338016",
  "bank": "bni",
  "transaction_time": "2014-08-01 15:39:22",
  "gross_amount": "145000.00",
  "order_id": "C17550",
  "payment_type": "credit_card",
  "signature_key": "763713b31cf59c886d3cc4a0c654a060a8e990080fe29fca75ae9e4ff9de804809c4e20977829844dac01a7ac1464a4eb095ad32482048398918987295dc5022",
  "status_code": "202",
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "transaction_status": "deny",
  "fraud_status": "accept",
  "status_message": "midtrans payment notification",
  "channel_response_code": "05",
  "channel_response_message": "Do not honor",
  "card_type": "credit",
  "on_us": true
}

{
  "masked_card": "48111111-1114",
  "approval_code": "315762",
  "bank": "bni",
  "transaction_time": "2014-08-01 15:39:22",
  "gross_amount": "145000.00",
  "order_id": "C17550",
  "payment_type": "credit_card",
  "signature_key": "393f8b6b27f9f6385d8391642942e9534fd20dad20c0631b75b0746bfc314482af4411c93e958b691a63e9154676905b906234d1f12fca031f5be5593f7ec2c6",
  "status_code": "201",
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "transaction_status": "capture",
  "fraud_status": "challenge",
  "status_message": "midtrans payment notification",
  "channel_response_code": "00",
  "channel_response_message": "Approved",
  "card_type": "credit",
  "on_us": false
}

{
  "masked_card": "48111111-1114",
  "approval_code": "131755",
  "bank": "bni",
  "transaction_time": "2014-08-01 15:39:22",
  "gross_amount": "145000.00",
  "order_id": "C17550",
  "payment_type": "credit_card",
  "signature_key": "49e158a0c3f1913eae0902875324075c562daa39b2824b865db2242adea247a228960d2f1002392fdbc29c3271c2bc78ba72e588db9047a82932d0615ddc811f",
  "status_code": "200",
  "transaction_id": "1a1a66f7-27a7-4844-ba1f-d86dcc16ab27",
  "transaction_status": "settlement",
  "fraud_status": "accept",
  "status_message": "midtrans payment notification",
  "channel_response_code": "00",
  "channel_response_message": "Approved",
  "card_type": "credit"
}

JSON Attribute	Description	Type
transaction_id	Transaction ID given by Midtrans.	String
order_id	Order ID specified by you.	String
gross_amount	Total amount of transaction in IDR.	String
payment_type	The payment method used by the customer. Value: `credit_card`. Note: For any transactions using payment card (credit or debit), `payment_type` is `credit_card`.	String
transaction_time	Timestamp of transaction in ISO 8601 format. Time Zone: GMT+7.	String
transaction_status	Transaction status after charge card transaction. Possible values are `capture`: Transaction is accepted by the bank and ready for settlement. `deny`: Transaction is denied by the bank or FDS. `authorize`: Card is authorized in Pre-authorization feature.	String
fraud_status	Detection result by Fraud Detection System (FDS). Possible values are `accept`: Approved by FDS. `challenge`: Questioned by FDS. Note: Approve transaction to accept it or transaction gets cancelled automatically during settlement. `deny`: Denied by FDS. Transaction automatically failed.	String
masked_card	First 8-digits and last 4-digits of customer's card number.	String
status_code	Status code of transaction charge result.	String
bank	The name of the Acquiring Bank.	String
status_message	Status message describing the result of the API request.	String
approval_code	Approval code. It can be used for refund. This does not exist on denied transaction.	String
channel_response_code	Response code from payment channel provider.	String
channel_response_message	Response message from payment channel provider.	String
card_type	Type of payment card used for the transaction. Possible values are `credit`, `debit`.	String
on_us	Indicate whether issuing and acquiring bank is the same	Boolean
channel	The name of the payment channel provider. Provided if `channel` attribute on charge api request is present. More details on request and possible values are available on Card Feature: Specific Channel.	String
expiry_time	For regular card transactions (non-recurring, non-one-click, non-two-click token) and the 3DS redirect_url expires in 10 minutes. For authorized transaction expires in 8 days.	String
settlement_time	Credit card settlement time refers to the duration it takes for a credit card transaction to be processed and transaction_status change to settlement.	String

The transaction_status and fraud_status attributes are the two most important details received in the JSON response.

Transaction status capture and fraud status accept: Transaction successful.
Transaction status deny and fraud status accept, deny or challenge: Transaction rejected by bank or by Fraud Detection System (FDS).
Transaction status capture and fraud status challenge: Transaction is challenged. You have to make a confirmation at Merchant Administration Portal (MAP).
Transaction status capture and fraud status accept: Customer’s card has been charged and the amount is credited to your account. At this point, the payment process of a transaction is complete.
Send the transaction status to the customer and also update the respective database. For example, you can mark if the respective order_id has been paid for.
Login to MAP to see the detail of the transaction and the transaction status. Alternatively, check the transaction status using Get Transaction Status.

By default, all card transactions from 00:00 until 23:59 are settled on the next day at 16:00. The transaction status is updated from capture to settlement. If there is any unapproved transaction with fraud status as challenge, Midtrans cancels the transaction automatically. Midtrans also sends HTTP POST notification to the Notification URL configured on MAP.