High Risk Credit Card Merchant Account API

High Risk Credit Card Merchant Account API

High Risk Credit Card Merchant Account API

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High Risk Credit Card Merchant Account API

If you have seen the above message or something similar you probably are freaking out. Some companies have reported losing over $50k a month just overnight.

If you’re a successful online business you need to know there are options when your income is jeopardized.

Just like High-Risk Credit and PRIM Credit, there is a place for everyone, you just need to know where to look and who to call.

We can have you live in hours. 

Get your developers started with the listed API documentation and call 1-520-PAYCAD to get your account created.

The 4 Syndicate Credit Card API

All API calls will be processed through our API Gateway located at:

https://processor.XXXXXXXXXXX  << you will get this with your access key and processing keys. Call 1-520-PAYCARD

All API calls will need to have the following Authentication parameters which can be found within your dashboard for your HIGH RISK MERCHANT ACCOUNT
API Key (key), API Secret (secret)

Below is a list of API calls that can be processed:

Endpoint

Required Parameters

Description

/createCustomer

fname (Customer’s First Name)

lname (Customer’s Last Name)

This API call will create a customer object and return the customer id, first name, and last name

/addCreditCard

customer_id (The Customer ID returned from /createCustomer)

exp_month (The expiration month in integer form)

exp_year (The 4 digit expiration year)

card_number (The 16 digit card number to add to the customer)

cvc (The CVC of the card, usually the 3 digit code on the back of the card)

This API call will add a credit card to a customer object. It will return the following information.

id, last 4 of the card number, expiration month, expiration year, and the credit card type.

/chargeCustomer

id (The Customer ID returned from /createCustomer)

amount (The dollar amount we should process for this transaction)

description (A description of this transaction, can be up to 255 characters. This is used for you to identify the transaction and does not need to be unique)

Charges defined amount to the customer. Returns ID, amount, and processing fee.

The following are Test Credit Cards:

4000000000000093 Charge succeeds and domestic pricing is used (other test cards use international pricing). This card is only significant in countries with split pricing.

4000000000000028 Charge succeeds but the address_line1_check verification fails.

4242 4242 4242 4242 Charge succeeds

4000000000000010 The address_line1_check and address_zip_check verifications fail. If your account is blocked the charge is declined.

4000000000000036 The address_zip_check verification fails. If your account is ZIP BLOCKED the charge is declined.

4000000000000044

Charge succeeds but the address_zip_check and address_line1_check verifications are both unavailable .

Attaching this card to but bad card object succeeds, but attempts to charge the customer fail.

Charge is declined with a card_declined code.
Charge is declined with a card_declined code and a fraudulent reason.

Charge is declined with an incorrect_cvc code. Charge is declined with an expired_card code.

Charge is declined with a processing_error code.

4000000000000101 If a CVC number is provided, the cvc_check fails. If your account is CVC BLOCKED the charge is declined.

4000000000000341
4000000000000002
4100000000000019
4000000000000127
4000000000000069
4000000000000119
4000000000009235

4242424242424241 Charge is declined with an incorrect_number code as the card number fails luhn check 

Here is a sample:

class payment{

private $key = ““;

private $secret = ““;

private $errorMessage = null;

function createCustomer($fname, $lname){

$data = $this->makeRequest(“/createCustomer”, array(

“fname” => $fname,

“lname” => $lname

));

if($data[“status”] == “error”){

$this->errorMessage = $data[“message”];

return false;

}else{

return $data[“data”][“id”];

}

}

function addCreditCard($customer, $exp_month, $exp_year, $card_number, $cvc){

$data = $this->makeRequest(“/addCreditCard”, array(

“customer_id” => $customer,

“exp_month” => $exp_month,

“exp_year” => $exp_year,

“card_number” => $card_number,

“cvc” => $cvc

));

if($data[“status”] == “error”){

$this->errorMessage = $data[“message”];

return false;

}else{

return $data[“data”][“id”];

}

}

function chargeCustomer($customer, $amount, $description){

$data = $this->makeRequest(“/chargeCustomer”, array(

“customer_id” => $customer,

“amount” => $amount,

“description” => $description

));

if($data[“status”] == “error”){

$this->errorMessage = $data[“message”];

return false;

}else{

return $data[“data”][“id”];

}

}

private function makeRequest($endpoint, $data){

$data[“key”] = $this->key;

$data[“secret”] = $this->secret;

$queryString = “”;

foreach($data as $key => $value){

$queryString .= ($queryString == “”) ? “” : “&”;

$queryString .= $key.”=”.urlencode($value);

}

return json_decode(file_get_contents(“https://processor.the4.net/api”.$endpoint.”?”.$queryString), true);

}

}

if(isset($_REQUEST[“fname”], $_REQUEST[“lname”], $_REQUEST[“card_number”], 

$_REQUEST[“cvv”], $_REQUEST[“exp_month”], $_REQUEST[“exp_year”])){

$payment = new payment();

if($customer = $payment->createCustomer($_REQUEST[“fname”], $_REQUEST[“lname”])){

if($card = $payment->addCreditCard($customer, $_REQUEST[“exp_month”], $_REQUEST[“exp_year”], $_REQUEST[“card_number”], $_REQUEST[“cvv”])){

if($charge = $payment->chargeCustomer($customer, 50.00, “This is an example transaction.”)){

$success = “Payment Processed!”;

}else{

$error = $payment->errorMessage;

}

}else{

$error = $payment->errorMessage;

}

}else{

$error = $payment->errorMessage;

}

}

?>

Credit Card Processing Example








SUB PRIME CREDIT CARD PROCESSING API

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