# Account Funding

Enabling customers to fund their account has never been easier with our payment methods API and embeddable UI components.

Everything in this section revolves around the payment methods concept.

Our embeddable UI components are built so you don't have to worry about PCI compliance. We take care of everything in a transparent and secure manner by leveraging strong and open internet security standards like signed JWTs and iframe.

# List payment methods

Saved cards will appear as payment methods that you can easily pull via the API. Depending on whether a payment method belongs to an individual or anonymous user (Guest), two API endpoints are available:

GET /individuals/:id/payment_methods
GET /guests/:id/payment_methods

Example payment methods listing request:

GET /v3/guests/9a792adc-f4a2-4089-8e53-f3b0c140fc12/payment_methods

Content-Type: application/json
Authorization: Bearer <access_token>

Response:

HTTP 200 OK

{
  "data": [
    {
      "id": "c405c5b0-bd49-4472-9b12-e36b04283358",
      "type": "card",
      "details": {
        "brand": "visa",
        "exp_month": "12",
        "exp_year": "25",
        "last4": "0337"
      },
      "created_at": "2021-07-27T10:39:14+02:00"
    }
  ],
  has_more: false,
}

# Create a payment method

This section describes the common set of steps needed in order to:

Save a card as a payment method
Accept a one-off card payment
Delete a payment method

The flow begins on the backend by initiating a payment method consent to get a secret token. After that, the token needs to be passed to the front-end into Intergiro's 3D SDK to complete the process.

Here one needs to decide whether there's the need to make a one-off charge or set up a recurring payment. If so, make sure to include charge details specifing the destination account ID the money should land to.

In cases where you only need to save the card, the charge section can be skipped.

POST /v3/individuals/b3c8b592-daff-45cc-95ba-1741a4105b23/payment_methods

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "charge": {
    "amount": 1000,
    "currency": "EUR",
    "account_id": "34df9d62-8f66-4b78-b107-41dd3fb36e11"
  },
  "type": "card"
}

Response:

HTTP 412 Precondition Failed

{
  "consent": {
    "id": "e30b2da8-879d-4d9d-b9f9-7c461500245f",
    "status": "pending"
  }
}

Once the charge consent is created, it needs to be explicitly requested for it to be used in the next confirmation step.

Use the following API endpoint with the consent.id from the previous response:

POST /v3/consents/e30b2da8-879d-4d9d-b9f9-7c461500245f

Content-Type: application/json
Authorization: Bearer <access_token>

Response:

HTTP 200 OK

{
  "method": {
    "redirect_url": "https://3d.staging.intergiro.tech/...",
    "token": "YW55IGNhcm5hbCBwbGVhc3Vy",
    "expires_at": "2021-07-27T12:00:33+02:00"
  }
}

# Custom payment flow

To provide a seamless user experience we provide a way to embed Intergiro's custom UI components to your app.

TIP

Currently the components are web-based, but you can still use them on the mobile in a WebView.

# Step 1: Include 3D SDK

The first steps require adding the Intergiro 3D SDK library to your application.

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <title>My checkout</title>
  <script src="https://3d-sdk.staging.intergiro.tech/v1/"></script>
  <script type="text/javascript">
    const intergiro = Intergiro3D('<public key>')

    fetch('https://your-domain.com/create-charge-consent', {
      method: "POST",
      headers: {
        "Content-Type": "application/json"
      },
      body: JSON.stringify({
        amount: 15
      })
    })
      .then(result => result.json())
      .then(({ token }) => {

      })
  </script>
</head>
<body>
</body>
</html>

TIP

https://your-domain.com/create-charge-consent is an example of an endpoint that should be implemented on your platform.

To make this work, you need to perform two actions using the Intergiro API:

Start Creating Payment Method: Send a POST request to v3/individuals/:individual_id/payment_methods. This action begins the process of creating a payment method.
Generate Consent: Send a POST request to /v3/consents/:consent_id. In this request, you should include the Consent ID obtained from the previous step. This request will provide you with a redirect_url and a token.

Make sure to use this token from the last request as the response when your custom endpoint is accessed.

# Step 2: Initialize UI components

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <title>My checkout</title>
  <script src="https://3d-sdk.staging.intergiro.tech/v1/"></script>
  <script type="text/javascript">
    const intergiro = Intergiro3D('<public key>')

    fetch('https://your-domain.com/create-charge-consent', {
      method: "POST",
      headers: {
        "Content-Type": "application/json"
      },
      body: JSON.stringify({
        amount: 15
      })
    })
      .then(result => result.json())
      .then(({ token }) => {
        const components = intergiro.components()     // initialize components library
        const card = components.get('card-input')     // create card input component
        const container = document.getElementById('card-input')
        card.mount(container)                         // mount card component onto the page

      })
  </script>
</head>
<body>
  <form>
    <div id="card-input">
    </div>
    <button type="submit">Make payment</button>
  </form>
</body>
</html>

# Step 3: Confirm payment method

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <title>My checkout</title>
  <script src="https://3d-sdk.staging.intergiro.tech/v1/"></script>
  <script type="text/javascript">
    const intergiro = Intergiro3D('<public key>')

    fetch('https://your-domain.com/create-charge-consent', {
      method: "POST",
      headers: {
        "Content-Type": "application/json"
      },
      body: JSON.stringify({
        amount: 15
      })
    })
      .then(result => result.json())
      .then(({ token }) => {
        const components = intergiro.components()
        const card = components.get('card-input')
        const container = document.getElementById('card-input')
        card.mount(container)

        const button = document.getElementsByTagName('button')[0]
        button.onclick = function(e) {
          e.preventDefault()
          intergiro
            .confirmPaymentMethod(token, {
              payment_method: {
                card: card,
              }
            })
            .then(result => {
              if (result.error) {
                console.error(result.error)
              } else {
                console.log(result.data)
              }
            })
        }
      })
  </script>
</head>
<body>
  <form>
    <div id="card-input">
    </div>
    <button type="submit">Make payment</button>
  </form>
</body>
</html>

# Save card as a payment method

You can give user the ability to save card for later use by specifying a save flag when confirming:

intergiro.confirmPaymentMethod(token, {
  payment_method: {
    card: card,
  },
  save: true,
})
.then(result => {
  if (result.error) {
    console.error(result.error)
  } else {
    console.log(result.data)
  }
})

This will make this card available in payment methods listing API.

TIP

Only one payment method can be saved for each individual or guest. If you wish to add another payment method, you must first delete the previous one.

TIP

Payment method ID can be retrieved by making a GET request to /individuals/:individual_id/payment_methods or /guests/:guest_id/payment_methods endpoint (see details in List payment methods section).

# Charge a payment method

To charge a payment method you need to know its ID. You can get it from the payment methods listing API. Then you can use it to charge the payment method for an individual:

POST /v3/individuals/b3c8b592-daff-45cc-95ba-1741a4105b23/payment_methods/c405c5b0-bd49-4472-9b12-e36b04283358/charge

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "amount": 1000,
  "currency": "EUR",
  "account_id": "34df9d62-8f66-4b78-b107-41dd3fb36e11"
}

or for a guest:

POST /v3/guests/b3c8b592-daff-45cc-95ba-1741a4105b23/payment_methods/c405c5b0-bd49-4472-9b12-e36b04283358/charge

Content-Type: application/json
Authorization: Bearer <access_token>

{
  "amount": 1000,
  "currency": "EUR",
  "account_id": "34df9d62-8f66-4b78-b107-41dd3fb36e11"
}

# v1 (outdated, temporarily supported for the period of migration to v2)

Payment method will be charged immediately after calling the API without any interaction from the user.

# v2 (current)

In version 2 of this endpoint, the API will return a consent required response that needs to be confirmed by the user before the payment method is charged.

HTTP 412 Precondition Failed

{
  "consent": {
    "id": "e30b2da8-879d-4d9d-b9f9-7c461500245f",
    "status": "pending"
  }
}

Use the following API endpoint with the consent.id from the previous response:

POST /v3/consents/e30b2da8-879d-4d9d-b9f9-7c461500245f

Content-Type: application/json
Authorization: Bearer <access_token>

Response:

HTTP 200 OK

{
  "method": {
    "redirect_url": "https://3d.staging.intergiro.tech/...",
    "token": "YW55IGNhcm5hbCBwbGVhc3Vy",
    "expires_at": "2021-07-27T12:00:33+02:00"
  }
}

Charging an existing payment method work similarly to creating a payment method as shown in the custom payment flow.

<!DOCTYPE html>
<html>
<head>
  <meta charset="utf-8">
  <title>My checkout</title>
  <script src="https://3d-sdk.staging.intergiro.tech/v1/"></script>
  <script type="text/javascript">
    const intergiro = Intergiro3D('<public key>')

    fetch('https://your-domain.com/create-charge-consent', {
      method: "POST",
      headers: {
        "Content-Type": "application/json"
      },
      body: JSON.stringify({
        amount: 15
      })
    })
      .then(result => result.json())
      .then(({ token }) => {
        const components = intergiro.components()
        const cvcInput = components.get('payment-update', { token })
        const container = document.getElementById('payment-update')
        cvcInput.mount(container)

        const button = document.getElementsByTagName('button')[0]
        button.onclick = function(e) {
          e.preventDefault()
          intergiro
            .chargePaymentMethod(token, { cvcInput })
            .then(result => {
              if (result.error) {
                console.error(result.error)
              } else {
                console.log(result.data)
              }
            })
        }
      })
  </script>
</head>
<body>
  <form>
    <div id="payment-update">
    </div>
    <button type="submit">Charge payment mehtod</button>
  </form>
</body>
</html>

TIP

https://your-domain.com/create-charge-consent is an example of an endpoint that should be implemented on your platform.

The approach should be similar to the one described for the "Create a payment method" flow. However, rather than sending a POST request to v3/individuals/:individual_id/payment_methods, you should send a POST request to v3/individuals/:individual_id/payment_methods/:payment_method_id/charge.

# Delete a payment method

In case the user wants to use a different card as their payment method, the previous payment method must first be deleted. In case of individual's payment method, the following endpoint can be used for this purpose:

DELETE /v3/individuals/b3c8b592-daff-45cc-95ba-1741a4105b23/payment_methods/c405c5b0-bd49-4472-9b12-e36b04283358

Content-Type: application/json
Authorization: Bearer <access_token>

In case of guest payment method, the following endpoint can be used:

DELETE /v3/guests/b3c8b592-daff-45cc-95ba-1741a4105b23/payment_methods/c405c5b0-bd49-4472-9b12-e36b04283358

Content-Type: application/json
Authorization: Bearer <access_token>

# Customization

3D SDK elements can be customized to better match your brand.

See example usage below:

const components = intergiro.components()

const theme = {
  layout: 'standard',
  fontImport: 'Poppins:wght@400',
  style: {
    gap: '1rem',
    fontFamily: 'Poppins, Menlo',
    fontWeight: '400',
    text: {
      background: '#E0E7ED',
      color: '#070808',
    },
    border: {
      color: 'black',
      width: '2px',
      radius: '5px',
    },
  },
}

const card = components.get('card-input', theme)

theme parameter gets passed as a second argument to the components factory.

Below you can find element-specific customization parameters available:

# `card-input`

Property	Type	Description
`layout`	`row`, `column` or `standard`
`fontImport`	`string`	Google font
`style.text.background`	css color	Text background color
`style.text.color`	css color	Text color
`style.border.color`	css color	Border color
`style.border.width`	css distance in px or relative units	Border width
`style.border.style`	css `border-style`, ex. `solid`	Border style
`style.border.radius`	css `border-radius` in px, ex. `25px`	Border radius
`style.fontFamily`	`string`	Font family
`style.dangerColor`	css color	Danger color
`style.gap`	css distance in px or relative units	Gap width
`style.background`	css color	Background color

← Payments Cards as a Service →

# Account Funding

# List payment methods

# Create a payment method

# Generate charge consent

# Custom payment flow

# Step 1: Include 3D SDK

# Step 2: Initialize UI components

# Step 3: Confirm payment method

# Save card as a payment method

# Charge a payment method

# v1 (outdated, temporarily supported for the period of migration to v2)

# v2 (current)

# Delete a payment method

# Customization

# card-input

# `card-input`