Authentication
Data & Response Codes
Data Ingestion
Pagos MCP Server
BIN Database
Account Updater
curl --request POST \
--url https://api.nest.pagosapi.com/v1/{account_id}/transactions \
--header 'Content-Type: application/json' \
--data '
{
"transaction_id": "<string>",
"amount": 1,
"currency": "<string>",
"created": "<string>",
"status": "<string>",
"verification": true,
"payment_method_details": {
"payment_method_type": "<string>",
"id": "<string>",
"card": {
"bin": "<string>",
"last4": "<string>",
"expiry_month": "<string>",
"expiry_year": "<string>",
"fingerprint": "<string>",
"vaulted": "<string>",
"validation": {
"avs_address_result": "<string>",
"avs_postal_code_result": "<string>",
"avs_error_response_code": "<string>",
"cvc_result": "<string>"
},
"attributes": {
"network": "<string>",
"product_id": "<string>",
"type": "debit",
"category": "<string>",
"issuer_bank": "<string>",
"issuer_country": "<string>",
"payroll": true,
"healthcare": true,
"durbin_regulated": true,
"commercial": true
}
},
"paypal": {
"pp_payer_status": "<string>",
"pp_seller_protection_status": "<string>"
},
"bank": {
"customer_bank_routing_bic_number": "<string>",
"customer_bank_swift_code": "<string>",
"customer_bank_branch_code": "<string>",
"pm_bank_reference": "<string>"
},
"non_card_attributes": {
"pm_expiry_days": "<string>",
"debit_mandate_reference": "<string>"
}
},
"transaction_response": {
"processor_response_code": "<string>",
"processor_response_text": "<string>",
"additional_processor_response": "<string>",
"network_response_code": "<string>",
"network_response_text": "<string>"
},
"pagos_codes": {
"pagos_status": "authorization_expired",
"pagos_payment_method": "ach",
"pagos_transaction_response": "Invalid_qr_code",
"pagos_stored_credential": "card-on-file",
"pagos_network": "accel",
"pagos_avs": "avs_na_a",
"pagos_cvv": "cvv_matches_m",
"pagos_3dsecure_result": "authenticate_attempted"
},
"stored_credential": "<string>",
"order": {
"id": "<string>",
"description": "<string>",
"descriptor": "<string>"
},
"customer": {
"customer_id": "<string>",
"shopper_country": "<string>",
"postal_code": "<string>"
},
"3dSecure": {
"result": "<string>",
"version": "<string>",
"liability_shift": true,
"metadata": {},
"exemption_requested": "<string>"
},
"merchant": {
"merchant_id": "<string>",
"merchant_account_id": "<string>"
},
"additional_data": {
"network_transaction_id": "<string>",
"processor_authorization_code": "<string>",
"acquirer_reference": "<string>",
"is_network_tokenized": true,
"metadata": {}
}
}
'Transactions
curl --request POST \
--url https://api.nest.pagosapi.com/v1/{account_id}/transactions \
--header 'Content-Type: application/json' \
--data '
{
"transaction_id": "<string>",
"amount": 1,
"currency": "<string>",
"created": "<string>",
"status": "<string>",
"verification": true,
"payment_method_details": {
"payment_method_type": "<string>",
"id": "<string>",
"card": {
"bin": "<string>",
"last4": "<string>",
"expiry_month": "<string>",
"expiry_year": "<string>",
"fingerprint": "<string>",
"vaulted": "<string>",
"validation": {
"avs_address_result": "<string>",
"avs_postal_code_result": "<string>",
"avs_error_response_code": "<string>",
"cvc_result": "<string>"
},
"attributes": {
"network": "<string>",
"product_id": "<string>",
"type": "debit",
"category": "<string>",
"issuer_bank": "<string>",
"issuer_country": "<string>",
"payroll": true,
"healthcare": true,
"durbin_regulated": true,
"commercial": true
}
},
"paypal": {
"pp_payer_status": "<string>",
"pp_seller_protection_status": "<string>"
},
"bank": {
"customer_bank_routing_bic_number": "<string>",
"customer_bank_swift_code": "<string>",
"customer_bank_branch_code": "<string>",
"pm_bank_reference": "<string>"
},
"non_card_attributes": {
"pm_expiry_days": "<string>",
"debit_mandate_reference": "<string>"
}
},
"transaction_response": {
"processor_response_code": "<string>",
"processor_response_text": "<string>",
"additional_processor_response": "<string>",
"network_response_code": "<string>",
"network_response_text": "<string>"
},
"pagos_codes": {
"pagos_status": "authorization_expired",
"pagos_payment_method": "ach",
"pagos_transaction_response": "Invalid_qr_code",
"pagos_stored_credential": "card-on-file",
"pagos_network": "accel",
"pagos_avs": "avs_na_a",
"pagos_cvv": "cvv_matches_m",
"pagos_3dsecure_result": "authenticate_attempted"
},
"stored_credential": "<string>",
"order": {
"id": "<string>",
"description": "<string>",
"descriptor": "<string>"
},
"customer": {
"customer_id": "<string>",
"shopper_country": "<string>",
"postal_code": "<string>"
},
"3dSecure": {
"result": "<string>",
"version": "<string>",
"liability_shift": true,
"metadata": {},
"exemption_requested": "<string>"
},
"merchant": {
"merchant_id": "<string>",
"merchant_account_id": "<string>"
},
"additional_data": {
"network_transaction_id": "<string>",
"processor_authorization_code": "<string>",
"acquirer_reference": "<string>",
"is_network_tokenized": true,
"metadata": {}
}
}
'Path Parameters
Body
A unique value that identifies this transaction and will be used as the key when making updates to transactions. Maximum 255 characters.
1 - 255The transaction amount, represented as a positive integer in the smallest currency unit (e.g. two-decimal currency such as $101.50 is represented as 10150, zero-decimal currency such as ¥1095 is represented as 1095). Refer to the ISO 4217 currency page for guidance.
x >= 0The currency of the transaction, represented by the 3-letter ISO-4217 currency code. Must be three characters.
3The date when the transaction was created, represented in ISO 8601 format (e.g. 2023-09-04T16:13:05Z).
The status of the transaction (e.g. authorized, cancel_or_refund, canceled, capture, deposit, failed, gateway_rejected, paid, pending, processor_declined). Maximum 50 characters.
1 - 50A flag identifying if the record is a card verification (i.e. $0 or $1 authorization). The possible values are true or false; the default value is false.
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The payment method used for the transaction (e.g. card, apple pay, paywithgoogle). Maximum 255 characters.
1 - 255A unique identifier for the payment method. Maximum 35 characters.
35Show child attributes
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The first 4-9 digits of the payment card.
5 - 8The last four digits of the card. Maximum four digits.
4The expiration month of the payment card. Must be two digits.
2The expiration year of the payment card. Must be four digits.
4A unique identifier for the payment card number. Maximum 35 characters.
35Identifies if the payment method was vaulted or not. Maximum 50 characters.
50Show child attributes
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The raw processor response from the AVS address validation check. Maximum 15 characters.
15The raw processor response from the AVS postal code validation check. Maximum 15 characters.
15The AVS response code from the processor. Maximum 5 characters.
5The CVV response code from the processor. Maximum 15 characters.
15Show child attributes
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The card brand used in the transaction (e.g. visa, mastercard, discover). Maximum 50 characters.
50The specific card brand product code of the card used in the transaction (e.g. product code "G" indicates Visa Business). Maximum 10 characters.
10The type of card used in the transaction (e.g. debit or credit).
debit, credit, prepaid, unknown The category of the card used in the transaction (e.g. corporate, commercial, consumer cards). Maximum 15 characters.
15The category of the card used in the transaction (e.g. corporate, commercial, consumer cards). Maximum 128 characters.
128The country where the card used in the transaction was issued, represented by a two-letter country code (ISO 3166 alpha-2).
2Indicates if the payment method is a payroll card.
Indicates if the payment method is a healthcare card.
Indicates if the payment method is a durbin regulated card.
Indicates if the payment method is a commercial card.
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The bank routing number of the payment method used. Maximum 50 characters.
50The bank swift code of the payment method used. Maximum 50 characters.
50The bank branch code of the payment method used. Maximum 50 characters.
50The SEPA direct debit transit number. Maximum 50 characters
50Show child attributes
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The expiration date for non-card payments (e.g. boleto or invoice payments). Maximum 50 characters.
5050Show child attributes
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The transaction response code from the processor. Maximum 50 characters.
1 - 50The transaction response text from the processor. Maximum 1024 characters.
1024Additonal transaction response text (e.g. Mastercard merchant advice code).
255The response code from the card brand, representing the approval or decline code sent to the card brand from the issuer. Maximum 50 characters.
50The detailed text response code from the card brand, representing the approval or decline code description sent to the card brand by the issuer. Note, this is not the summary or mapped response codes of your processor or acquirer. Maximum 255 characters.
255Show child attributes
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Assign a Pagos code that corresponds to status.
authorization_expired, authorization_reversal, authorized, authorizing, blocked_by_rule, cancellation, capture_failed, captured, declined, failed, no_value_provided, pending, settled, settlement_declined, settlement_pending, settling, submitted_for_settlement, test, unknown, unreadable_value, verification, verified, verifying, voided Assign a Pagos code that corresponds to payment_method_type.
ach, affirm, affirm_pos, afterpay, afterpaytouch, alipay, androidpay, androidpay_network_token, alipay_wap, applepay, au_becs_debit, bacs_debit, bcmc_mobile, ben_visa_vale, blik, boleto, card, cartao_de_todos_credit, cashapp, check, credtodos_private_credit, custom_actions_payment_method, directdebit, directebanking, dotpay, ebanking_fi, eftpos_australia, eftpos_australia_chq, eftpos_australia_sav, electronic_benefits_transfer, electron, eps, facilypay_12x, facilypay_3x, facilypay_4x, facilypay_6x, fpx, gcash, girocard, giropay, googlepay, googlewallet, gopay, grabpay, ideal, kakaopay, kcp_payco, klarna, klarna_account, klarna_alternative_payment_method, klarna_bank_transfer, klarna_base_account, klarna_direct_debit, klarna_fixed_amount, klarna_fixed_sum_credit, klarna_invoice, klarna_pay_by_card, klarna_paynow, klarna_pix, klarna_slice_it_by_card, konbini, link, mbway, mada_card, mir, mobilepay, molpay_ebanking_th, momo, momo_wallet, multibanco, oney_pos, onlinebanking, oxxo, p24, paybybank, paymaya_wallet, paynow, paypal, paypal_pos, paywithgoogle, pix, restorationhardware, romcard_credit, safetypay, samsungpay, sepadirectdebit, shopping, sodexo, sofort, sorocred_credit, stripe_account, swish, ticket, trustly, twint, us_bank_account, twint_pos, up_brazil_credit, vale_refeicao_prepaid, venmo, venmo_pos, vias, vipps, wechatpay, wechatpay_pos, zip Assign a Pagos code that corresponds to transaction_response.processor_response_code.
Invalid_qr_code, aborted_contactless_fallback, acccount_not_active, account_closed, account_frozen, account_not_available, account_record_not_found, additional_auth_credentials_required, address_and_cvv_verification_failed, address_verification_failed, affirm_declined, already_reversed, already_voided, aml_violation, amount_exceeds_preauthorization, amount_mismatch, application_blocked_or_banned, approved, approved_vip, approved_with_hold, authentication_attempts_exceeded, authentication_card_not_enabled, authentication_error, authentication_error_invalid_value, authentication_error_required_field_missing, authentication_expired, authentication_failed, authentication_not_supported_by_merchant, authorization_expired, authorization_not_found, bank_account_restricted, bank_not_supported_by_switch, bank_ownership_changed, blik_error, blocked_3ds, blocked_account_not_active, blocked_avs, blocked_blocklist, blocked_cvc, blocked_cvc_avs, blocked_duplicate, blocked_excessive_retry, blocked_fraud_rule, blocked_gateway, blocked_merchant_rule, blocked_test_mode, blocked_venmo_token_issuance, cancelled_card_removed, cancelled_no_card, cancelled_shopper_cancelled, cancelled_while_printing, cannot_verify_pin, capture_failed, card_account_length_error, card_blacklisted, card_not_active, card_not_active_firstuse, card_not_supported, card_number_payment_method_mismatch, cash_request_exceeded_limit, cash_service_not_available, cashapp_customer_request_declined, cashapp_customer_request_expired, cashapp_payment_declined, could_not_process, crash_recovery, crypto_failure, cryptographic_error_in_pin, customer_authentication_required, cvv_failure, debit_not_authorized, decline_gateway, decline_merchant_rule, decline_offline, decline_online, decline_processor_rule, declined_by_processing_network, declined_high_risk, do_not_honor, do_not_retry, duplicate, duplicate_authentication, error, error_currency_not_supported, error_cvc, error_emv, error_failed_to_store_result, error_incorrect_format, error_missing_payment_details, error_not_allowed, error_not_supported_country_and_mcc, error_parsing, error_required_details_not_found_or_invalid, error_required_field_not_provided, exceeds_approval_amount_limit, expired_card, fraud_merchant_blacklist, gateway_testaccount_used, incorrect_or_missing_pin, incorrect_or_missing_pin_cardpresent, ineligible_for_financial_position_information, ineligible_for_resubmission, installments_not_allowed, invalid_account_no_number, invalid_amount_or_currency, invalid_expiration_date, invalid_expiry_month, invalid_expiry_year, invalid_level_III, invalid_merchant, invalid_payment_type, invalid_shopper_data, invalid_signature, invalid_sku, invalid_tax_amount, invalid_token, invalid_transaction, issuer_inoperative_no_stip, legal_violation, lifecycle, link_error, lost_card_fraud, merchant_cancelled, new_account_information_information, no_acquirer_account, no_action_taken, no_checking_account, no_completion_message, no_financial_impact, no_network_token, no_response, no_savings_account, no_such_issuer, no_value_provided, not_qualified_for_pin, not_sufficient_funds, partial_approval, paypal_account_issue, paypal_api_error, paypal_email_formatting_issue, paypal_transaction_denied, paypal_transaction_partially_refunded, paypal_transaction_pending, paypal_transaction_reversed, payu_error, pending, pending_for_3ds_authorization, pick_up_card, pick_up_card_fraud, pin_change_denied, pin_data_required, pin_encryption_error, pin_entry_attempts_exceeded, pin_or_signature_missing, pin_unblock_denied, pos_unmapped, private_label_card_notsupported, processor_configuration_error, processor_error, processor_notconfigured, processor_notsupported, processor_restricted_or_locked_account, processor_risk_rule, reenter_transaction, refer_to_issuer, refer_to_issuer_1, refund_time_limit_exceeded, refused_due_to_policy_reason, requires_action_from_customer, restricted_account_geo, restricted_card, retry_later, reversal_unsuccessful, revocation_of_authorization, routing_network_error, security_violation, settlement_pending, single_use_virtual_card, sofort_response_missing_or_invalid, stip_forced, stolen_card_fraud, stop_all_recurring, stop_current_recurring, submission_error, subscription_not_found, surcharge_not_permitted, surcharge_not_supported_by_issuer, suspected_fraud, terminal_cancelled, timeout, timeout_PIN_entry, timeout_while_printing_receipt, transaction_cancelled, transaction_frequency_limit_exceeded, transaction_not_allowed, transaction_not_allowed_at_terminal, unable_to_map, undeliverable_payouts, unknown, unreadable_value, unsolicited_reversal, update_payment_information, user_account_disabled_or_expired, verification_or_return_approved, verifications_not_supported, vipps_error, vipps_error_agreement_not_active, vipps_error_cannot_rollback_transaction, vipps_error_http_request_null, vipps_error_invalid_orderid, vipps_error_no_network_token, voice_auth_required, wallet_disabled, withdrawals_frequency_exceeded Assign a Pagos code that corresponds to stored_credential. Required when stored_credential contains a value.
card-on-file, card-on-file-repeat, card-on-file-vault, installment, moto, one-time, pay_later, pos, recurring, recurring-first, unknown Assign a Pagos code that corresponds to payment_method_details.card.attributes.network. Required if payment_method_details.card.attributes.network contains a value.
accel, ach, affirm, affn, afterpay_clearpay, alelo, alipay, amex, argencard, au_becs_debit, bacs_debit, bancontact, banese_card_credit, bijcard, blik, boleto, cabal, carnet, cartao_de_todos_credit, cartebancaire, cartebancaire_applepay, check, cmr_falabella, codensa, credtodos_private_credit, cu24, custom_actions_payment_method, dankort, diners, diners_club, directdebit, directebanking, discover, dotpay, ebanking_fi, eftpos_australia, electron, elo, eps, facilpay, forbrugsforeningen, fpx, gcash, girocard, giropay, googlewallet, gopay, grabpay, hiper, hipercard, ideal, interac, interlink, jcb, kakaopay, kcp_payco, klarna, klarna_alternative_payment_method, klarna_bank_transfer, klarna_base_account, klarna_direct_debit, klarna_fixed_amount, klarna_fixed_sum_credit, klarna_invoice, klarna_pay_by_card, klarna_pix, klarna_slice_it_by_card, konbini, korean_creditcard, korean_local_card, laser, link, mach, mada_card, maestro, mastercard, mir, molpay_ebanking_th, momo, momo_wallet, multibanco, naranja, nativa, netplus, nets, netscard, no_value_provided, nyce, oca, oney_pos, onlinebanking, oxxo, p24, paymaya_wallet, paypal, paypal_pos, paysafecard, paywithgoogle, pix, pril, private_label, prop, pulse, pulse-pinless, restorationhardware, romcard_credit, rupay, safetypay, sepadirectdebit, shazam, shopping, sodexo, sofort, solo, sorocred_credit, star, stripe_account, swish, sycnhrony_plcc, tarjeta_naranja, ticket, troy, trustly, twint, twint_pos, uatp, unionpay, unknowncard, us_bank_account, vale_refeicao_prepaid, venmo, venmo_pos, verve, vias, vipps, visa, vpay, wechatpay, wechatpay_pos, zip Assign a Pagos code that corresponds to payment_method_details.card.validation.avs_postal_code_result.
avs_na_a, avs_name_match_m, avs_name_nomatch_n, avs_name_not_provided_i, avs_name_not_verified_u, avs_no_issuer_support_s, avs_postal_match_m, avs_postal_nomatch_n, avs_postal_not_provided_i, avs_postal_not_verified_u, avs_results_unknown, avs_skipped_b, avs_street_match_m, avs_street_nomatch_n, avs_street_not_provided_i, avs_street_not_verified_u, avs_system_error_e, no_value_provided, unknown Assign a Pagos code that corresponds to payment_method_details.card.validation.cvc_result. Required when payment_method_details.card.validation.cvc_result contains a value.
cvv_matches_m, cvv_na_a, cvv_no_issuer_support_s, cvv_no_match_n, cvv_not_provided_i, cvv_not_verified_u, cvv_result_unavailable, cvv_skipped_b, unknown Assign a Pagos code that corresponds to 3dsecure.result. Required if 3dsecure.result contains a value.
authenticate_attempted, authenticate_successful, data_only, error, failed_rejected_or_not_attempted, not_attempted, out_of_scope_or_exempt, unknown A value identifying if the customer is present or not present for the transaction. It also identifies if the payment was from a stored payment method or a PAN (e.g. moto, POS, card on file, subscription). Maximum 255 characters.
255Show child attributes
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The merchant order reference. Maximum 255 characters.
255A long-form description of the transaction. Maximum 500 characters.
500The descriptor that appears on cardholder statements, describing the transaction to the cardholder. Maximum 50 characters.
50Show child attributes
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A unique string that identifies the customer. Maximum 128 characters.
128The country where the customer is located, represented as a two-letter country code (ISO 3166 alpha-2).
2The customer's postal code. Maximum 16 characters.
16Show child attributes
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The result of the 3D Secure authentication (e.g authenticated, not_supported, failed). Maximum 25 characters.
25The version of 3D Secure used to authenticate the transaction (e.g. 1.0.2). Maximum 10 characters.
10An indicator boolean flag from the acquirer or payment service provider (PSP), showing whether liability shift was achieved with the authentication attempt.
A value indicating if a 3D Secure exemption was requested.
50Show child attributes
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A unique string assigned by the aquirer or processor to identify the merchant. This value could match the merchant-level ID. Maximum 100 characters.
100A unique string assigned by the aquirer or processor to identify the merchant account. This value could match the merchant account ID associated with a region or country. Maximum 100 characters.
100Show child attributes
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The unique value assigned by the card brand to track the transaction. Maximum 255 characters.
255The AuthCode provided by the card brand and issuer on the transaction. Maximum 50 characters.
50The unique value assigned by the acquiring bank to track the transaction. Maximum 255 characters.
255Indicates if the payment method has a network token.
A transaction-level label, represented as a JSON object and used to segment into meaningful groups. Metadata is typically used for segmentation by customer behavior (e.g. purchases from a particular seller) or merchant behavior (e.g. transaction routing or retries).
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