Base URLs, authentication, request format, all endpoints, and error reference for the SPG v2.0 REST API.

Complete reference for all request fields — types, constraints, allowed values, and required vs. optional flags.

Complete reference for all response fields — status values, result objects, card validation, error types, and decline codes returned by the API.

Definitions for 91 payment industry terms, protocol concepts, and PayFacto-specific terminology used across the v2.0 documentation.

Create a card, terminal, token, cash, or wallet payment. Supports immediate capture and pre-authorization.

Retrieve a paginated list of charges filtered by date, status, invoice number, or card.

Retrieve the full details and current status of a specific charge by its UUID.

Complete a pre-authorization and collect the reserved funds. Captured amount may be less than authorized.

Increase the authorized amount on an uncaptured pre-authorization before capture.

Cancel a captured charge before it enters end-of-day settlement.

Release the remaining hold on an uncaptured pre-authorization without collecting funds.

Return funds to a cardholder for a previously captured charge. Full and partial refunds supported.

Retrieve a list of refunds with optional filters by date, status, or charge ID.

Retrieve the full details of a specific refund by its UUID.

Cancel a refund before it settles — for same-day error correction before batch close.

Validate a card with AVS and CVV checks without collecting or holding any funds.

Retrieve the result of a card verification by its UUID.

Embed a PayFacto-hosted card form inside an iframe on your own page. Supports 3DS, CVV, AVS, reCAPTCHA, and payment token generation.

Redirect customers to a fully PayFacto-hosted payment page. Zero payment UI to build. Supports 3DS, successUrl, declineUrl, and webhook.

Create shareable payment links for email, SMS, or QR code delivery. Configurable expiry and reuse count.

Accept Apple Pay in iOS apps using Method A (partner decrypts) or Method B (PayFacto decrypts). Includes ECv1 token decryption, ECDH key derivation, and AES-256-GCM.

Accept Google Pay in Android apps using Method A (partner decrypts) or Method B (PayFacto decrypts). Includes ECv2 token decryption and cryptogram conversion.

Accept Interac Konek online payments in web and mobile integrations.

Hotel POS integration via OPI XML and OHIP REST. Covers room charge posting, card tokenization, pre-authorization flows, and Titan SIP configuration.

Step-by-step guide for submitting a payment charge — card, terminal, token, cash, or wallet.

Collect funds reserved by a charge created with capture: false.

Increase the authorized amount before capture — for tips, extended stays, or rental overages.

Cancel a captured charge before end-of-day batch close.

Release a hold that will not be captured — no funds collected.

Issue a full or partial refund for a captured charge.

Cancel a refund issued in error before the batch closes.

Run AVS and CVV checks on a card without charging or holding funds.

Submit a charge using a reusable payment token previously returned by Secure Hosted Checkout.

Embed a PayFacto-hosted card form in your web page using the SHC JavaScript library.

Generate a shareable payment link for email, SMS, or QR code delivery.

All error type values returned in the API error object: CARD_ERROR, DOWNSTREAM_ERROR, IDEMPOTENCY_ERROR, INTERNAL_ERROR, INVALID_REQUEST_ERROR — with fields and recommended actions.

Full lookup table of decline codes in result.declineCode — DO_NOT_HONOR, INSUFFICIENT_FUNDS, EXPIRED_CARD, INVALID_CVV, and more — with issuer messages and retry guidance.

All possible status values for charges and refunds — AUTHORIZED, CAPTURED, DECLINED, FAILED, RELEASED, SUCCEEDED, VOIDED — with state transition rules.