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Payment Flow

Here’s how a typical payment flows through Card2Crypto:

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Payment Lifecycle

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1. Pending

Payment is created but customer hasn’t completed checkout yet. 
{
  "id": "pay_abc123",
  "status": "pending",
  "amount": 5000,
  "currency": "usd"
}

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2. Processing

Customer submitted card details, payment is being processed.

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3. Completed

Payment succeeded. Your balance is credited automatically. 
{
  "id": "pay_abc123",
  "status": "completed",
  "amount": 5000,
  "net_amount": 4250, // After 15% fee
  "completed_at": "2025-10-16T12:34:56Z"
}

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4. Failed

Payment failed due to declined card, insufficient funds, etc. 
{
  "id": "pay_abc123",
  "status": "failed",
  "error": "card_declined"
}

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Payment Amounts

All amounts must be specified in cents (or smallest currency unit): 
{
  amount: 5000  // $50.00
}

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Minimum Amount

The minimum payment amount is $0.50 USD (50 cents). 
{
  amount: 50  // Minimum allowed
}

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Maximum Amount

No maximum enforced by Card2Crypto, but Card2Crypto has per-transaction limits based on your account status.

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Currency Support

Currently, Card2Crypto only supports USD (United States Dollar). 
{
  currency: 'usd'  // Required
}
Multi-currency support is planned for a future release. Stay tuned!

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Customer Information

You can optionally include customer information: 
{
  amount: 5000,
  currency: 'usd',
  customer_email: 'customer@example.com',  // Optional
  customer_name: 'John Doe',               // Optional
  description: 'Order #1234'               // Optional
}
Benefits of including customer info:
  • Better record keeping
  • Automatic email receipts (coming soon)
  • Fraud detection and chargeback protection
  • Customer support resolution

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Metadata

Attach custom metadata to payments for your own tracking: 
{
  amount: 5000,
  currency: 'usd',
  metadata: {
    order_id: '1234',
    customer_id: 'cust_xyz',
    product_sku: 'WIDGET-001',
    affiliate_id: 'aff_123'
  }
}
Metadata is:
  • Returned in webhook payloads
  • Visible in your dashboard
  • Limited to 16 key-value pairs
  • Values must be strings
Do not include sensitive information (passwords, credit card numbers, etc.) in metadata.

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Redirect URLs

Control where customers are redirected after checkout: 
{
  amount: 5000,
  currency: 'usd',
  success_url: 'https://yoursite.com/thank-you',
  cancel_url: 'https://yoursite.com/cart'
}

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Success URL

Customer is redirected here after successful payment. Query parameters are appended: 
https://yoursite.com/thank-you?payment_id=pay_abc123&status=completed

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Cancel URL

Customer is redirected here if they click “Cancel” or close the checkout page: 
https://yoursite.com/cart?payment_id=pay_abc123&status=cancelled
Always verify payment status via webhooks, not just redirect URLs. Customers can manipulate URL parameters.

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Payment IDs

Every payment gets a unique identifier: 
pay_a1b2c3d4e5f6g7h8
Use this ID to:
  • Retrieve payment details via API
  • Match webhook notifications to orders
  • Provide customer support
  • Reconcile your accounting

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3D Secure (SCA)

Card2Crypto automatically handles 3D Secure authentication when required:
  1. Customer enters card details
  2. If 3DS required, modal appears for authentication
  3. Customer completes authentication (fingerprint, SMS code, etc.)
  4. Payment processes normally
No additional integration needed - it just works.

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Refunds

Refunds are processed manually by the Card2Crypto admin team. To request a refund:
  1. Contact support@card2crypto.cc
  2. Provide the payment ID
  3. State the refund reason
Refund timeline:
  • Request reviewed within 24 hours
  • If approved, processed within 2-3 business days
  • Refund amount is deducted from your seller balance
  • Customer receives refund to original payment method
Automated refunds via API are planned for a future release.

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Testing Payments

Use the Payment Testing Tool in your dashboard to create test payments.
All payments are live and real. There is no test mode. Use small amounts (0.50−0.50-1.00) for testing.

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Next Steps

Create Payment API

API reference for creating payments

Webhook Events

Learn about payment.completed and other events
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