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Only CAD transaction supported.
There are two modes for credit card integration:
Simple Purchase
Recurring Purchase

# Sign generate and check

# Request and response format

All request and response are in JSON format.The response body is also in JSON format. It should not be treated as fixed or as a schema, new fields may be added as the API evolves, and the order of fields might change. Your applications must therefore be resilient to the reordering of fields within a JSON object.

# Sending request demo code

# Simple purchase

User input card info and purchase once, users will be prompted to input card info each time when they purchase.

# Sequence

1, Call cc_purchase and redirect to redirectUrl to let user input credit card info;
2, After purchase, will redirect to returnUrl;
3, If the transaction is successful, IOTPay will notify to notifyUrl;

# Request URL for simple purchase

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_purchase

Reqeust method:

POST
Content-Type: application/json;charset=UTF-8

# Parameters

name	required	type	sample	description
mchId	y	String(30)	10000701	assigned by IOTPay
mchOrderNo	y	String(30)	1234567890abc	assigned by merchant
mchUserId	y	String(30)	007	assigned by merchant
amount	y	Int	1500	in cents
currency	y	String(3)	CAD	for now only CAD supported
loginName	y	String(12)	jack123	merchant's login name
subject	n	String(64)
body	n	String(250)
channel	y	String	PF_CC	fixed value: PF_CC
notifyUrl	y	String(200)	get notify when success
returnUrl	y	String(200)	redirect to this url after payment
sign	y	String(32)	C380BEC2BFD727A4B6845133519F3AD6	Sign algorithm

# Response

name	required	type	sample
retCode	y	String	SUCCESS or FAIL
retMsg	y	String
retData.redirectUrl	y	String	if retCode=SUCCESS, merchant redirect to this url
retData.secureId	y	String	For SDK integration only

# NotifyUrl message(post request in json format)

name	required	type	sample	description
payOrderId	y	String	SUCCESS or FAIL
mchId	y	String
mchOrderNo	y	String
originalOrderId	y	String	original pay order id if payType=refund
amount	y	Int	100	in cents
currency	y	String	CAD
payType	y	String	pay or refund
refundable	y	Int	100	in cents
status	y	Int	2	2 or 3 means success
invoiceNum	y	String
paySuccTime	y	String	2021-04-07 19:44:51
cardNum	y	String	432567******2266
cardType	y	String	V or M
expiryDate	y	String
authNum	y	String
transNum	y	String
sign	y	String(32)	C380BEC2BFD727A4B6845133519F3AD6	Sign algorithm

# ReturnUrl parameters

name	required	type	sample	description
retCode	y	String	SUCCESS or FAIL
retMsg	n	String
status	y	Int	2	2 or 3 both mean the transaction is successful

# Recurring purchase

User input card info once, can purchase with the tokenized card multiple times.

# Sequence

1, Call cc_addcard and then redirect to retData.redirectUrl to let user input credit card info;
2, After addcard, will redirect to returnUrl with the following parameters:
If success: retCode=SUCCESS
If fail: retCode=FAIL&retMsg=xxxx
3, (optional) Call cc_querycard to get card info;
4, If cc_addcard is successful, call cc_purchasewithtoken to do a real purchase

# Request URL for cc_addcard

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_addcard

Reqeust method:

POST
Content-Type: application/json;charset=UTF-8

# Parameters

name	required	type	sample	description
mchId	y	String(30)	10000701	assigned by IOTPay
cardId	y	String(30)	604567999	assigned by merchant,must be unique
loginName	y	String(12)	jack123	merchant's login name
channel	y	String	PF_CC	fixed value: PF_CC
returnUrl	y	String(200)	redirect to this url after payment
sign	y	String(32)	C380BEC2BFD727A4B6845133519F3AD6	Sign algorithm

each cardId can bind only one credit card, if one user need to bind more cards, use different cardId

# Response

name	required	type	sample
retCode	y	String	SUCCESS or FAIL
retMsg	y	String
retData.redirectUrl	y	String	if retCode=SUCCESS, merchant redirect to this url
retData.secureId	y	String	used for sdk integration

# ReturnUrl parameters

name	required	type	sample	description
retCode	y	String	SUCCESS or FAIL
retMsg	n	String

# Request URL for cc_directaddcard

Endpoint: https://ccapi.iotpaycloud.com/v3/cc_directaddcard

Reqeust method:

POST
Content-Type: application/json;charset=UTF-8

As an IOTPAY client or partner using this method of integration, your solution must demonstrate compliance to the Payment Card Industry Data Security Standard (PCI DSS) .

# Parameters

name	required	type	sample	description
mchId	y	String(30)	10000701	assigned by IOT

Credit Card V3