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POST
/
card
/
auth_capture
/
authorize
Authorize Transaction
curl --request POST \
  --url https://api.payaza.africa/live/card/auth_capture/authorize \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "authorization_reference": "AUTH-1234567890",
  "amount": 100,
  "currency": "NGN",
  "order_reference": "ORD-001",
  "merchant_reference": "MR-001",
  "card_number": "5123456789012346",
  "card_expiry_month": "12",
  "card_expiry_year": "2025",
  "card_cvv": "123",
  "card_token": "token_reference_here",
  "customer_email": "customer@example.com",
  "customer_name": "John Doe",
  "expire_in_days": 7,
  "authorization_webhook_url": "https://example.com/webhook",
  "authorization_redirect_url": "https://merchant-site.com/checkout/complete"
}
'
{
  "authorization_reference": "AUTH-1234567890",
  "status": "PENDING",
  "message": "3DS Authentication Required",
  "do3dsAuth": true,
  "threeDsHtml": "<html>...</html>",
  "threeDsUrl": "https://acs.example.com/3ds",
  "formData": "cReq_or_PaReq_data_here"
}

Authorizations

​
Authorization
string
header
required

Payaza {{Public API Key in Base 64}}

Body

application/json

The body is of type any.

Response

Authorize Transaction

​
status
string

Status of the authorization (AUTHORIZED, PENDING, DECLINED).

Example:

"AUTHORIZED"

​
message
string

Descriptive message about the status.

Example:

"Authorization successful"

​
authorization_reference
string | null

Unique reference for the authorization.

Example:

"AUTH-1234567890"

​
authorization_code
string | null

Code provided by the issuer if authorized.

Example:

"123456"

​
authorized_amount
number | null

The amount successfully held.

Example:

100

​
currency
string | null

Currency code.

Example:

"NGN"

​
expires_at
string<date-time> | null

Timestamp when the hold expires.

Example:

"2025-01-19T10:30:00"

​
do3dsAuth
boolean

Indicates if 3D Secure authentication is required.

Example:

false

​
threeDsUrl
string<uri> | null

URL to redirect for 3DS authentication.

Example:

"https://acs.example.com/3ds"

​
threeDsHtml
string | null

HTML content for 3DS page rendering.

Example:

"<html>...</html>"

​
formData
string | null

Form data (cReq/PaReq) for 3DS.

Example:

"cReq_or_PaReq_data_here"

​
error_code
string | null

Error code if declined.

Example:

"INVALID_CARD"

​
error_message
string | null

Detailed error description.

Example:

"Card number is invalid"