Credit Card API

Credit Card Acceptance

This page outlines how to integrate WiPay into your website using an HTML form so customers can pay via Credit Card and you can have the money deposited to your bank account.

Step 1: Test using your WiPay Business Verified account
Step 1.1: Sign Up for a WiPay Business account
  • If you already have a WiPay Business Verified account, you can skip to Step 1.3: Update API Key.
  • If you have a WiPay Business Unverified account, you can find out on how to Upgrade to Verified [here].
  • If you do not have a WiPay Business account, you can find out how to begin the SignUp process [here].
Step 1.2: Update Bank Information

You need to update your banking info so that when people pay via credit card, the money goes to your linked back account.

WiPay can wire transfer within FIVE (5) work-days to the following banks:

  • FirstCaribbean International
  • First Citizens Bank
  • Scotia Bank Trinidad
  • Republic Bank LTD
  • JMMB Bank
  • RBC Royal Bank Trinidad and Tobago
  • Citibank
  • Bank of Baroda
Step 1.3: Update API Key

The API Key will be used to verify each transaction in code.

Please note that you do not need to generate a new API Key, if you already have one set.

Step 2: Initiate Transaction

The configuration for the Credit Card API calls can be seen below.

All reporting features are disabled when sandbox is enabled.

Upon form submission, your customers will be redirected to a Secure Checkout page where they would enter their Credit Card Information.

NOTE: When testing, please use the SANDBOX API URL. Testing on the live platform is strictly prohibited and Account will be banned

The configuration for the Credit Card API calls can be seen below.

account_number 1234567890
Body Content-Type application/x-www-form-urlencoded
avs 1
country_code TT
currency USD
environment Sandbox
fee_structure customer_pay
method credit_card
order_id 123abc
origin Example
total 10.00

For the Postman Compilation, click here

Upon form submission, your customers will be redirected to the following secure checkout page.



Below is a list of Sandbox test Credit Card numbers. You can use any Card CVV and any Expiry Date.


We recommend using the test Credit Card:

Card Number Card CVV Expiry Month Expiry Year





Step 3: Process and Verify Transaction

When the transaction is complete, the user will be redirected to the specified return_url. From the URL, you can extract all relevant information and validate to see if the transaction was a “success” or “fail”.

Please note that a “fail”-ed response does not include the &hash parameter.

Our Rates

Our rate is 3% + $0.25 USD per transaction. These rates are automatically deducted in the dashboard.

How do you get the money to your bank?

Simply go to the Withdraw Tab and enter an amount to withdraw (the minimum that you can withdraw is $50.00 TTD).