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P2P Transfers: Request examples

Peer-to-Peer (P2P) transfers allow sending funds directly from one cardholder to another. This guide explains how to create a P2P transaction (PCI DSS scenario where you collect the sender’s card details) and how to check or receive callbacks about the transaction status.

Overview​

  1. Creating a P2P transaction (PCI DSS merchants)
  2. Receiving a callback or retrieving the P2P transaction status
sequenceDiagram
title P2P Transfers

participant Merchant
participant PG as Payment Gateway

note over Merchant,PG: Step 1 - Create a P2P Transaction
Merchant->>PG: Create P2P transaction (PCI DSS)
activate PG
PG->>Merchant: Return P2P transaction info
deactivate PG
note over Merchant,PG: Once initiated, the transaction status can be polled or updated via callback

note over Merchant,PG: Step 2 - Callback or Check P2P Transaction Status
PG->>Merchant: Callback or status endpoint with updated status (p2pStatus)

opt Retrieve Detailed Info
    Merchant->>PG: Retrieve P2P transaction details
    PG->>Merchant: Return masked card data, cost, etc.
end

1. Create a P2P Transaction​

If you are a PCI DSS merchant who collects the card data directly, you can initiate a P2P transfer by specifying both the sender’s and recipient’s card details, along with the transaction amount and currency.

curl -L 'https://gateway.madfintech.com/api/v1/p2p' \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \
-H 'Api-Access-Token: <Api-Access-Token>' \
--data-raw '{
  "shopId": 1234,
  "p2p": {
    "cost": {
      "amount": "100.50",
      "currency": "USD"
    },
    "p2pNumber": "P2P-ABC-123456",
    "localDateTime": "2023-03-06T14:15:23"
  },
  "p2pSettings": {
    "providerCode": "someProvider",
    "instrumentType": "card"
  },
  "recipient": {
    "cardData": {
      "cardNumber": "4111111111111112"
    }
  },
  "sender": {
    "personalData": {
      "firstName": "Bob",
      "lastName": "Green"
    },
    "addressData": {
      "countryCode": "US",
      "street": "123 Apple St."
    },
    "cardData": {
      "cardNumber": "4111111111111111",
      "cardHolderName": "JOHN A DOE",
      "expireMonth": "12",
      "expireYear": "2024",
      "cvv": "123"
    }
  },
  "paymentPageDesign": {
    "format": "shop_hosted"
  }
}'
{
  "data": {
    "p2pNumber": "P2P-ABC-123456",
    "p2pStatus": "in_progress"
  }
}

2. Callback or Check P2P Transaction Status​

Once the P2P transfer is initiated, you will receive a callback when the transaction status changes. You can also call the Retrieve P2P Transaction Status endpoint to get the current status.

curl -L 'https://gateway.madfintech.com/api/v1/p2p/1234/P2P-ABC-123456' \
-H 'Accept: application/json' \
-H 'Api-Access-Token: <Api-Access-Token>'

{
  "data": {
    "shopId": 1234,
    "id": 54222,
    "p2pStatus": "in_progress",
    "p2pNumber": "P2P-ABC-123456",
    "cost": {
      "amount": "100.50",
      "currency": "USD"
    },
    "p2pCreatedAt": "2023-08-29T15:34:56+03:00",
    "p2pPaidAt": "2023-08-29T15:34:56+03:00",
    "p2pTransactions": [
      {
        "transactionId": "79",
        "providerTransactionId": "990943",
        "cost": {
          "amount": "100.50",
          "currency": "USD"
        },
        "provider": {
          "code": "someProvider"
        },
        "instrumentType": "card",
        "status": {
          "status": "completed"
        }
      }
    ],
    "p2pDetails": {
      "recipient": {
        "maskedCardNumber": "411111******1112"
      },
      "sender": {
        "maskedCardNumber": "411111******1111"
      }
    }
  }
}