Skip to main content

Payment process

Creating an order​

Order is the main entity in ioka for accepting payments. The order stores data about the goods or services that need to be paid for. To create a payment, you need to specify in the following params in the CreateOrder request:

  • API Key for authenticating your shop
  • payment amount - amount
  • identifier of the order in your shop - external_id
  • other optional order details. See CreateOrder for more details.

Two-stage payments​

By default, bank captures the amount immediately from the client's card after authorization. If the payment was successful, ioka will transfer the money to your account within 3 working days.

Also, you can make payments in two stages:

  • Approve: after the user approves the payment, bank blocks the authorized amount on the client's card. The order switches to the ON_HOLD status.
  • Capture/Cancel: Upon successful fulfillment of a product or service, you can capture or cancel the payment via API or manually in the ioka dashboard. If you do not do this within a certain time (usually 48 hours), the amount will be captured automatically.

Two stage payments can be useful when you have received an order for goods/services, but need to collect payment at a later time or date.

To select this method, when creating an order, you must specify the MANUAL option in the capture_method field.