> For the complete documentation index, see [llms.txt](https://apidocs.akinon.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://apidocs.akinon.com/commerce-openapis/checkout/card-payment/submit-credit-card-details-and-process-payment.md).

# Submit Credit Card Details and Process Payment

Submits full credit card details and processes the payment. May route to 3D Secure verification or complete order directly.

**Required Fields**:

* `card_number`: Full 16-digit card number
* `card_holder`: Cardholder name as printed on card
* `card_month`: Expiration month (MM format, e.g., "01", "12")
* `card_year`: Expiration year (YYYY format, e.g., "2026")
* `card_cvv`: CVV/CVC security code (3-4 digits)
* `agreement`: User must accept terms and conditions (boolean, must be true)

**Optional Fields**:

* `card_name`: Nickname for saved card (required if `save` is true)
* `save`: Whether to save card for future use (boolean, default false)
* `use_three_d`: User preference for 3D Secure (may be overridden by rules)
* `client_time`: Client-side timestamp for fraud detection
* Browser information fields for 3D Secure:
  * `browser_java_enabled`: Boolean
  * `browser_language`: Language code (e.g., "en-US")
  * `browser_color_depth`: Screen color depth (e.g., "24")
  * `browser_screen_height`: Screen height in pixels
  * `browser_screen_width`: Screen width in pixels
  * `browser_time_zone`: Timezone offset in minutes
  * `browser_header`: Accept header (auto-captured)
  * `browser_user_agent`: User agent string (auto-captured)

**Card Validation**:

* Card number validated using Luhn algorithm
* Expiration date must be in the future
* CVV must be 3-4 digits
* Cardholder name validated against format rules

**3D Secure Decision**: System determines if 3D Secure is required based on:

* Payment gateway configuration
* Card type and BIN rules
* Transaction amount thresholds
* User risk profile
* Bank requirements

**Save Card Processing**:

* If `save` is true and user is authenticated: Card is tokenized and saved
* Card details are encrypted and stored securely
* Only token and last 4 digits are retained
* Saved cards can be used in future checkouts

**Identity Number Validation**:

* If `IDENTITY_NUMBER_REQUIRED_AMOUNT` setting is configured:
  * Validates shipping address has identity\_number field
  * Required when order total exceeds configured threshold

**3D Secure Decision Logic**:

* Master switch: `THREE_D_SECURE_ENABLED` must be true
* If enabled, evaluates `THREE_D_SECURE_RULES` conditions:
  * Amount limits
  * Guest user checks
  * First order checks
  * POS terminal restrictions
  * Failed attempt limits per user/IP
  * Currency restrictions
* If ANY rule returns true, 3D Secure is required

**Next Pages**:

* If 3D Secure required: `CreditCardThreeDSecurePage`
* If 3D Secure not required: `ThankYouPage` (order completed)

```json
{"openapi":"3.1.0","info":{"title":"Overview","version":"1.0.0"},"tags":[{"name":"Card Payment","description":"# Checkout Card Payment\n\nAccept credit and debit card payments through a multi-step flow covering BIN lookup, installment selection, 3D Secure verification, payment confirmation, saved card selection, and order completion.\n\n## Authentication\n\nThese endpoints support both authenticated and anonymous sessions.\n\n- **Authenticated users**: Session cookie (`sessionid`) tracks checkout progress.\n- **Anonymous users**: Guest checkout is available when the `CAN_GUEST_PURCHASE` setting is enabled.\n## Request Format\n\nInclude the following header in all checkout requests:\n\n- **x-requested-with**: `XMLHttpRequest`\n\n## Dynamic Settings\n\nThe following settings are managed at runtime through the admin interface and do not require a server restart.\n\n### THREE_D_SECURE_ENABLED\nMaster switch for 3D Secure verification. When disabled, 3D Secure is skipped regardless of other rules.\n\n### THREE_D_SECURE_RULES\nRule-based conditions that determine when 3D Secure is required. Rules are evaluated in order; the first match triggers 3D Secure. Only active when `THREE_D_SECURE_ENABLED` is enabled.\n\nAvailable rule types: amount threshold, POS terminal identifier, failed attempt limit per email address, failed attempt limit per IP address, guest user status, first-time purchaser, payment currency.\n\n### INSTALLMENT_FILTERS\nFilters that restrict which installment options are presented. Filters are applied in sequence; each may remove options or stop further filtering.\n\n## Static Settings\n\nThe following settings are configured in the server environment and require a restart to take effect.\n\n### DEFAULT_CARD_SLUG\nFallback card identifier used when a BIN number is submitted but no matching record is found. Defaults to `other`."}],"servers":[{"description":"Akinon Checkout API","url":"https://{commerce_url}","variables":{"commerce_url":{"default":"sandbox.akinon.com"}}}],"paths":{"/orders/checkout/?page=CreditCardConfirmationPage":{"post":{"tags":["Card Payment"],"operationId":"submitCreditCardConfirmation","summary":"Submit Credit Card Details and Process Payment","description":"Submits full credit card details and processes the payment.\nMay route to 3D Secure verification or complete order directly.\n\n**Required Fields**:\n- `card_number`: Full 16-digit card number\n- `card_holder`: Cardholder name as printed on card\n- `card_month`: Expiration month (MM format, e.g., \"01\", \"12\")\n- `card_year`: Expiration year (YYYY format, e.g., \"2026\")\n- `card_cvv`: CVV/CVC security code (3-4 digits)\n- `agreement`: User must accept terms and conditions (boolean, must be true)\n\n**Optional Fields**:\n- `card_name`: Nickname for saved card (required if `save` is true)\n- `save`: Whether to save card for future use (boolean, default false)\n- `use_three_d`: User preference for 3D Secure (may be overridden by rules)\n- `client_time`: Client-side timestamp for fraud detection\n- Browser information fields for 3D Secure:\n  - `browser_java_enabled`: Boolean\n  - `browser_language`: Language code (e.g., \"en-US\")\n  - `browser_color_depth`: Screen color depth (e.g., \"24\")\n  - `browser_screen_height`: Screen height in pixels\n  - `browser_screen_width`: Screen width in pixels\n  - `browser_time_zone`: Timezone offset in minutes\n  - `browser_header`: Accept header (auto-captured)\n  - `browser_user_agent`: User agent string (auto-captured)\n\n**Card Validation**:\n- Card number validated using Luhn algorithm\n- Expiration date must be in the future\n- CVV must be 3-4 digits\n- Cardholder name validated against format rules\n\n**3D Secure Decision**:\nSystem determines if 3D Secure is required based on:\n- Payment gateway configuration\n- Card type and BIN rules\n- Transaction amount thresholds\n- User risk profile\n- Bank requirements\n\n**Save Card Processing**:\n- If `save` is true and user is authenticated: Card is tokenized and saved\n- Card details are encrypted and stored securely\n- Only token and last 4 digits are retained\n- Saved cards can be used in future checkouts\n\n**Identity Number Validation**:\n- If `IDENTITY_NUMBER_REQUIRED_AMOUNT` setting is configured:\n  - Validates shipping address has identity_number field\n  - Required when order total exceeds configured threshold\n\n**3D Secure Decision Logic**:\n- Master switch: `THREE_D_SECURE_ENABLED` must be true\n- If enabled, evaluates `THREE_D_SECURE_RULES` conditions:\n  - Amount limits\n  - Guest user checks\n  - First order checks\n  - POS terminal restrictions\n  - Failed attempt limits per user/IP\n  - Currency restrictions\n- If ANY rule returns true, 3D Secure is required\n\n**Next Pages**:\n- If 3D Secure required: `CreditCardThreeDSecurePage`\n- If 3D Secure not required: `ThankYouPage` (order completed)","parameters":[{"$ref":"#/components/parameters/AjaxRequestHeader"},{"$ref":"#/components/parameters/SessionCookieHeader"}],"requestBody":{"required":true,"content":{"application/x-www-form-urlencoded":{"schema":{"$ref":"#/components/schemas/CreditCardConfirmationInput"}}}},"responses":{"200":{"description":"Credit card details submitted successfully","content":{"application/json":{"schema":{"$ref":"#/components/schemas/CheckoutResponse"}}}}}}}},"components":{"parameters":{"AjaxRequestHeader":{"name":"x-requested-with","in":"header","required":true,"description":"Required header for AJAX requests. 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information","properties":{"basket":{"$ref":"#/components/schemas/Basket"},"shipping_address":{"oneOf":[{"$ref":"#/components/schemas/Address"},{"type":"null"}]},"billing_address":{"oneOf":[{"$ref":"#/components/schemas/Address"},{"type":"null"}]},"shipping_option":{"oneOf":[{"$ref":"#/components/schemas/ShippingOptionDetail"},{"type":"null"}]},"billing_and_shipping_same":{"oneOf":[{"type":"boolean"},{"type":"null"}]},"payment_option":{"oneOf":[{"$ref":"#/components/schemas/PaymentOptionDetail"},{"type":"null"}]},"notifications":{"type":"array","items":{"type":"object"}},"shipping_amount":{"oneOf":[{"type":"string","pattern":"^\\d+\\.\\d{2}$"},{"type":"null"}]},"total_amount":{"oneOf":[{"type":"string","pattern":"^\\d+\\.\\d{2}$"},{"type":"null"}]},"unpaid_amount":{"oneOf":[{"type":"string","pattern":"^\\d+\\.\\d{2}$"},{"type":"null"}]},"loyalty_money":{"oneOf":[{"type":"string","pattern":"^\\d+\\.\\d{2}$"},{"type":"null"}]},"currency_type_label":{"type":"string"},"installment":{"oneOf":[{"$ref":"#/components/schemas/Installment"},{"type":"null"}]},"card_info":{"oneOf":[{"type":"object","description":"Card information from BIN lookup","properties":{"bin_number":{"type":"string","description":"Card BIN (first 6-8 digits)"},"card":{"type":"object","description":"Card details from BIN database","properties":{"pk":{"type":"integer"},"name":{"type":"string","description":"Card type name (e.g., \"Visa\", \"Mastercard\")"}}}}},{"type":"null"}]},"redirect_to_three_d":{"oneOf":[{"type":"boolean"},{"type":"null"}]},"delivery_option":{"oneOf":[{"$ref":"#/components/schemas/DeliveryOption"},{"type":"null"}]},"retail_store":{"oneOf":[{"$ref":"#/components/schemas/RetailStore"},{"type":"null"}]},"funds_transfer_bank":{"oneOf":[{"$ref":"#/components/schemas/BankAccount"},{"type":"null"}]},"number":{"oneOf":[{"type":"string","description":"Pre-order/order number"},{"type":"null"}]},"order":{"oneOf":[{"type":"object","description":"Created order (after checkout completion)","properties":{"pk":{"type":"integer"},"number":{"type":"string"},"status":{"type":"string"}}},{"type":"null"}]},"payment_choice":{"oneOf":[{"$ref":"#/components/schemas/PaymentChoice"},{"type":"null"}]},"user_email":{"oneOf":[{"type":"string"},{"type":"null"}]},"phone_number":{"oneOf":[{"type":"string"},{"type":"null"}]},"user_phone_number":{"oneOf":[{"type":"string"},{"type":"null"}]},"gift_box":{"oneOf":[{"type":"object","properties":{"note":{"type":"string"},"gift_video":{"type":"boolean"},"gift_video_notification_sent":{"type":"boolean"},"price":{"type":"string"}}},{"type":"null"}]},"delivery_range":{"oneOf":[{"type":"object","properties":{"lower":{"type":"string","format":"date-time"},"upper":{"type":"string","format":"date-time"}}},{"type":"null"}]},"total_amount_with_interest":{"oneOf":[{"type":"string","pattern":"^\\d+\\.\\d{2}$"},{"type":"null"}]},"is_guest":{"type":"boolean"},"is_post_order":{"type":"boolean"},"data_source_shipping_options":{"oneOf":[{"type":"array","items":{"$ref":"#/components/schemas/DataSourceShippingOptionDetail"}},{"type":"null"}]},"attribute_based_shipping_options":{"oneOf":[{"type":"array","items":{"$ref":"#/components/schemas/PreOrderAttributeBasedShippingOption"}},{"type":"null"}]}}},"Basket":{"type":"object","properties":{"pk":{"type":"integer"},"total_amount":{"type":"string","pattern":"^\\d+\\.\\d{2}$"}}},"Address":{"type":"object","properties":{"pk":{"type":"integer"},"email":{"type":"string"},"phone_number":{"type":"string"},"first_name":{"type":"string"},"last_name":{"type":"string"},"country":{"$ref":"#/components/schemas/Country"},"city":{"$ref":"#/components/schemas/City"},"line":{"type":"string"},"title":{"type":"string"},"township":{"$ref":"#/components/schemas/Township"},"district":{"oneOf":[{"$ref":"#/components/schemas/District"},{"type":"null"}]},"postcode":{"type":"string"},"notes":{"type":"string"},"company_name":{"type":"string"},"tax_office":{"type":"string"},"tax_no":{"type":"string"},"e_bill_taxpayer":{"type":"boolean"},"is_corporate":{"type":"boolean"},"primary":{"type":"boolean"},"identity_number":{"type":"string"}}},"Country":{"type":"object","properties":{"pk":{"type":"integer"},"code":{"type":"string"},"name":{"type":"string"}}},"City":{"type":"object","properties":{"pk":{"type":"integer"},"name":{"type":"string"}}},"Township":{"type":"object","properties":{"pk":{"type":"integer"},"name":{"type":"string"}}},"District":{"type":"object","properties":{"pk":{"type":"integer"},"name":{"type":"string"}}},"ShippingOptionDetail":{"type":"object","description":"Detailed shipping option with calculated amount","properties":{"pk":{"type":"integer"},"name":{"type":"string"},"slug":{"type":"string"},"logo":{"oneOf":[{"type":"string","format":"uri"},{"type":"null"}]},"shipping_amount":{"type":"string","pattern":"^\\d+\\.\\d{2}$"},"description":{"oneOf":[{"type":"string"},{"type":"null"}]},"kwargs":{"type":"object","additionalProperties":true}}},"PaymentOptionDetail":{"type":"object","description":"Detailed payment option with type information","properties":{"pk":{"type":"integer"},"name":{"type":"string"},"slug":{"type":"string"},"payment_type":{"type":"string","enum":["credit_card","funds_transfer","bkm_express","loyalty_money","cash_register","gpay","redirection","stored_card","masterpass","masterpass_rest","credit_payment","pay_later","saved_card","confirmation","b2b","wallet","pay_on_delivery"]},"payment_type_label":{"type":"string"}}},"Installment":{"type":"object","properties":{"pk":{"type":"integer"},"installment_count":{"type":"integer"},"label":{"type":"string"},"price_with_accrued_interest":{"type":"string","pattern":"^\\d+\\.\\d{2}$"},"monthly_price_with_accrued_interest":{"type":"string","pattern":"^\\d+\\.\\d{2}$"}}},"DeliveryOption":{"type":"object","properties":{"pk":{"type":"integer"},"name":{"type":"string"},"delivery_option_type":{"type":"string","enum":["customer","retail_store","pickup_location"]},"is_active":{"type":"boolean"}}},"RetailStore":{"type":"object","properties":{"pk":{"type":"integer"},"name":{"type":"string"},"erp_code":{"type":"string"},"township":{"$ref":"#/components/schemas/Township"},"click_and_collect":{"type":"boolean"},"is_active":{"type":"boolean"}}},"BankAccount":{"type":"object","description":"Bank account for funds transfer payments","properties":{"pk":{"type":"integer"},"bank_name":{"type":"string","description":"Name of the bank"},"account_holder":{"type":"string","description":"Account holder name"},"iban":{"type":"string","description":"International Bank Account Number"},"currency":{"type":"string","description":"Currency code (e.g., \"USD\", \"EUR\", \"TRY\")"},"is_active":{"type":"boolean"}}},"PaymentChoice":{"type":"object","properties":{"value":{"type":"string"},"label":{"type":"string"},"price":{"type":"string","pattern":"^\\d+\\.\\d{2}$"}}},"DataSourceShippingOptionDetail":{"type":"object","description":"Data source shipping option for multi-vendor shipping","properties":{"pk":{"type":"integer"},"shipping_amount":{"type":"string","pattern":"^\\d+\\.\\d{2}$"},"shipping_option_name":{"type":"string"},"shipping_option_logo":{"oneOf":[{"type":"string","format":"uri"},{"type":"null"}]},"data_source":{"type":"object","properties":{"pk":{"type":"integer"},"title":{"type":"string"}}},"description":{"oneOf":[{"type":"string"},{"type":"null"}]}}},"PreOrderAttributeBasedShippingOption":{"type":"object","description":"Attribute-based shipping option selected for a product group","properties":{"pk":{"type":"integer"},"shipping_option_name":{"type":"string"},"shipping_option_logo":{"oneOf":[{"type":"string","format":"uri"},{"type":"null"}]},"shipping_amount":{"type":"string","pattern":"^\\d+\\.\\d{2}$"},"product_ids":{"type":"array","items":{"type":"integer"}},"attribute_value":{"type":"string"},"attribute_key":{"oneOf":[{"type":"array","items":{"type":"string"}},{"type":"null"}]}}}}}}
```


---

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