Our Back to Back service enables seamless integration of your payment process by establishing a secure server-to-server connection to our services.

To take advantage of our server-to-server card payment service, it is imperative that your company is PCI certified. We ask that you share your AOC certification with your account manager before beginning the implementation process.

Currently, the Monnet Payin API has 1 version:

📘
URL
API v1 (for JSON format):
Certification:https://sandbox.pci-proxy.com/v1/push/7efeb612e5dda6f1
Production: https://api.pci-proxy.com/v1/push/32dfee54fc151dd3

V1: Payment Processing

To initiate payment processing using the Monnet Payments API, you must call the push method of the endopoint above.

This method receives the payment request and securely channels it through our PCI-compliant processor. The processor handles the transaction authorization flow and returns a response indicating whether the payment has been authorized or declined, based on the applied validation rules and risk parameters.

🌍Countries Available

Argentina
Ecuador
Chile
Mexico
Colombia
Peru

3DS Authentication Flow

In some cases, the payment process may require an additional layer of 3D Secure (3DS) authentication to comply with security standards and enhance transaction protection.

When 3DS is triggered:

The API response will include a challenge_url.
The user must be redirected to the challenge_url to complete authentication.
Once completed, the result is used to finalize the transaction authorization.

This mechanism ensures the cardholder’s identity is validated before completing the transaction, reducing fraud and unauthorized payments.

🚧
IMPORTANT REMINDER:
All fields must be included on request no matter if they are required or optional. Also pay attention on payinCustomerName (fist name), payinCustomerLastName , payinCustomerEmail, payinCustomerPhone, payinMethod, payinPan, payinCvv and payinCardExpiration on each case. This eight fields must NOT be sent with empty values on any case.

Payment Processing - Online

Request

Field	Description
payinMerchantID	Integer (Required) Merchant Identifier for the Payin API.
payinAmount	Decimal (Required) The amount of the transaction. Use 2 decimals.
payinCurrency	String (Required, ISO-4217) The currency of the transaction Example PEN
payinMerchantOperationNumber	String (Required, max-lenght = 50) Reference number of the sale. This value is used to notify Merchants about a payment.
payinMethod	String (Required) Payment Method Identifier for the Payin API. EX: TCTD, TC, TD. Full List
payinVerification	String (Required) HASH SHA512 of: payinMerchantID+ payinMerchantOperationNumber+ payinAmount+ payinCurrency+ KeyMonnet
payinTransactionOKURL	String (Required) (max 250 chars) URL where the customer will be redirected from the online banking if payment was successful (Must be Https)
payinTransactionErrorURL	String (Required) (max 250 chars) URL where the customer will be redirected from the online banking if payment was wrong.(Must be Https)
payinExpirationTime	Integer (Required) Time in minutes to expire the token. Minimum Suggested: Online: 30 minutes Cash: 2 hours
payinLanguage	String (Required, ISO 639-1) Example: EN, ES, PT, DE, etc.
payinCustomerEmail	String (Required) Contains the customer's email
payinCustomerName	String (Required) Contains the customer's first name Max. 30 digit
payinCustomerLastName	String (Required) Contains the customer's last name. Max. 30 digit
payinCustomerTypeDocument	String (Required) Contains the customer's type of document. payinCustomerTypeDocument
payinCustomerDocument	String (Required) Contains the customer's document number
payinCustomerPhone	String (Required) Contains the customer's mobile number (8-9 digits)
payinCustomerAddress	String (Required) Customer information
payinCustomerCity	String (Required) Customer information
payinCustomerRegion	String (Required) Customer information (Default value is "Lima" unless different value is indicated by integration team)
payinCustomerCountry	String (Required) Customer information
payinCustomerZipCode	String (Required) Customer information
payinCustomerShippingName	String (Required) Customer information
payinCustomerShippingPhone	String (Required) Customer information
payinCustomerShippingAddress	String (Required) Customer information
payinCustomerShippingCity	String (Required) Customer information
payinCustomerShippingRegion	String (Required) Customer information
payinCustomerShippingCountry	String (Required) Customer information
payinCustomerShippingZipCode	String (Required) Customer information
payinRegularCustomer	String (Optional) Customer information
payinCustomerID	String (Optional) Customer information (PSPs must complete submerchant name mandatory)
payinDiscountCoupon	String (Requied) Customer information
payinFilterBy	String (Optional) Customer information
payinProductID	String (Required) Product information. Can not be empty, could send a default value i.e. "0"
payinProductDescription	String (Required) Product information. Can not be empty, could send a default value i.e. "0"
payinProductAmount	String (Required) Product information. Can not be empty, could send a default value i.e. "0"
payinDateTime	String (Required) Date of the transaction. Can not be empty, could send a default value i.e. current date
payinProductSku	String (Required) Product information. Can not be empty, could send a default value i.e. "0"
payinProductQuantity	String (Required) Product information. Can not be empty, could send a default value i.e. "0"
URLMonnet (For API v3)	String (Required) Value in cert environment: https://cert.monnetpayments.com/api-payin/v3/online-payments Value in prod environment: https://payin.api.monnetpayments.com/api-payin/v3/online-payments
typePost (For API v3)	String (Required) Value: json
payinPan	String (Required) Enter the card number without separators (MAX. 19; MIN. 8) - This option is available exclusively for PCI certified merchants.
payinCvv	String (Required) Enter the card security code (MAX. 4; MIN. 3) - This option is only available for PCI certified merchants.
payinCardExpiration	String (Required) Year and month of card expiration (AAAA-MM) - This option is available exclusively for PCI certified merchants.
installments	Integer (Optional) Specifies the number of payment installments. Defaults to a single payment if omitted.

Sample request

Pay attention on fields name format, must be case as shown below:

data: {
  "payinMerchantID": "00",
  "payinAmount": "00.00",
  "payinCurrency": "PEN",
  "payinMerchantOperationNumber": "0000",
  "payinMethod": "TCTD",
  "payinVerification": "string",
  "payinCustomerName": "string",
  "payinCustomerLastName": "string",
  "payinCustomerEmail": "[email protected]",
  "payinCustomerPhone": "0000",
  "payinCustomerTypeDocument": "DNI",
  "payinCustomerDocument": "00000000",
  "payinRegularCustomer": "string",
  "payinCustomerID": "string",
  "payinDiscountCoupon": "string",
  "payinLanguage": "ES",
  "payinExpirationTime": "000",
  "payinDateTime": "YYYY-MM-DD",
  "payinTransactionOKURL": "https://OkUrl.com",
  "payinTransactionErrorURL": "https://ErrorUrl.com",
  "payinFilterBy": "string",
  "payinCustomerAddress": "string",
  "payinCustomerCity": "string",
  "payinCustomerRegion": "string",
  "payinCustomerCountry": "Peru",
  "payinCustomerZipCode": "0000",
  "payinCustomerShippingName": "string",
  "payinCustomerShippingPhone": "0000",
  "payinCustomerShippingAddress": "string",
  "payinCustomerShippingCity": "string",
  "payinCustomerShippingRegion": "string",
  "payinCustomerShippingCountry": "Peru",
  "payinCustomerShippingZipCode": "0000",
  "payinProductID": "0000",
  "payinProductDescription": "string",
  "payinProductAmount": "0000",
  "payinProductSku": "string",
  "payinProductQuantity": "0000",
  "URLMonnet": "https://cert.monnetpayments.com/api-payin/v3/online-payments",
  "typePost": "json",
  "payinPan": "4517721004856075",
  "payinCvv": "123",
  "payinCardExpiration": "2025-07",
  "installments":"3"
}

Standard Response

Field	Description
url	String No apply, will return empty
payinErrorCode	String Payin Error code Example 00, 99, 999 View Errors Code - payinErrorCode table
payinErrorMessage	String Payin Error description Example Transacción creada
payinTrxOperation	String Transaction ID generated by Monnet Example MONTRX207249992409275755
errordetails	Object (Will be returned only for TC/TD/ TCTD methods and ARG Country) See codeErrorTrx, messageErrorTrx
codeErrorTrx	String (is part of errordetail object) Detail Error Code Example 9090, 9093 View Error Codes - errordetails table
messageErrorTrx	String (is part of errordetails object) Detail Error description Example Refer to card issuer's specials conditions View Error Codes - errordetails table

Response - 3DS challenge

Field	Description
url	String No apply, will return empty
payinErrorCode	String Payin Error code Example 00, 99, 999 View Errors Code - payinErrorCode table
payinErrorMessage	String Payin Error description Example Transacción creada
payinTrxOperation	String Transaction ID generated by Monnet Example MONTRX207249992409275755
challenge	Object (Will be returned only for TC/TD/ TCTD methods) See url
url	String (is part of challenge object) url returned by processor Example https://uat-auth.processorCard.com?token=6938098d6fc8454ebc7ddfb69f5432a5&merchantId=a4c8f5f483b74c598f947a7d98bffc75&bin=NDQ1NjUyODA=&callbackUrl=https://cert.payin.experience.monnet.io/api/v1/payin-checkout-experience/common/redirect/url-commerce/KUSHKIPCI?id=MjA4MzQ5NjMsMTUwMDAuMDAsODgx&isSandbox=true%22

🚧
v1
For v1 The service response will confirm whether the transaction was approved or declined.

Sample Success Response

{
    "url": "",
    "payinErrorCode": "00",
    "payinErrorMessage": "Transaccion autorizada",
    "payinTrxOperation": "MONTRX207249992409275755"
}

Standard Sample Error response

{
    "url": "",
    "payinErrorCode": "99",
    "payinErrorMessage": "Transaccion denegada",
    "payinTrxOperation": "MONTRX207249992409275755",
}

Extended Sample Error response

{
    "url": "",
    "payinErrorCode": "99",
    "payinErrorMessage": "Transaccion denegada",
    "payinTrxOperation": "MONTRX207249992409275755",
    "errordetails":{
      "codeErrorTrx":"9090",
      "messageErrorTrx":"Issuer or switch is inoperative"
     }
}

Sample Pending response (3DS Validation)

{
    "url": "",
    "payinErrorCode": "01",
    "payinErrorMessage": "Transaccion Pendiente",
    "payinTrxOperation": "MONTRX2083496325052754650",
    "challenge": {
        "url": "https://uat-auth.processorCard.com?token=6938098d6fc8454ebc7ddfb69f5432a5&merchantId=a4c8f5f483b74c598f947a7d98bffc75&bin=NDQ1NjUyODA=&callbackUrl=https://cert.payin.experience.monnet.io/api/v1/payin-checkout-experience/common/redirect/url-commerce/KUSHKIPCI?id=MjA4MzQ5NjMsMTUwMDAuMDAsODgx&isSandbox=true"
    }
}

Error Codes - payinErrorCode

Code	Message Error	Description
00	Transaccion autorizada	Confirmed payment
01	Transaccion Pendiente	Transaction with 3DS challenge
99	Transaccion denegada	Transaction was declined
999	Error	Generic error

Error Codes - errordetails

codeErrorTrx	messageErrorTrx
9001	Refer to card issuer
9002	Refer to card issuer's special conditions
9003	Invalid merchant
9007	Pick-up card, special condition
9012	Invalid transaction
9013	Invalid amount
9014	Card number does not exist
9015	Issuer or bin number does not exist
9017	Customer cancellation
9019	Retry Transaction
9025	Unable to locate record on file
9030	Format error
9039	No credit account
9051	Not sufficient funds
9052	Non-existing current account
9054	Expired card
9055	Incorrect personal identification number
9057	Transaction not permitted to cardholder
9061	Effective advance is exceeded
9062	Restricted card
9065	Merchant has exceeded the number of daily transactions
9075	Allowable number of PIN tries exceeded
9078	Card not activated
9080	Card expiration date invalid
9089	Customer info invalid
9092	Financial institution or intermediate network facility cannot be found for routing
9093	Transaction cannot be completed
9094	Duplicate transmission
9096	System malfunction
9097	Operation Timeout
9099	Error
9005	Do not honor
9020	Invalid response
9031	Bank not supported by switch
9034	Suspected fraud
9040	Requested function not supported
9041	Lost card
9043	Stolen card, pick-up
9056	No card record
9058	Transaction not permitted to terminal
9062	Restricted card
9066	Card acceptor call acquirer's security department
9068	Response received too late
9094	Duplicate transmission
9090	Issuer or switch is inoperative

Back to Back

📘
URL

V1: Payment Processing

🌍Countries Available

3DS Authentication Flow

🚧

IMPORTANT REMINDER:

Payment Processing - Online

Request

Sample request

Standard Response

Response - 3DS challenge

🚧
v1

Sample Success Response

Standard Sample Error response

Extended Sample Error response

Sample Pending response (3DS Validation)

Error Codes - payinErrorCode

📘URL

V1: Payment Processing

🌍Countries Available

3DS Authentication Flow

🚧

IMPORTANT REMINDER:

Payment Processing - Online

Request

Sample request

Standard Response

Response - 3DS challenge

🚧v1

Sample Success Response

Standard Sample Error response

Extended Sample Error response

Sample Pending response (3DS Validation)

Error Codes - payinErrorCode

📘
URL

🚧
v1