Overview

The Merchant API provides secure access to process payments, issue refunds, and check transaction statuses using Mastercard’s MIGS gateway. This API enables seamless integration for merchants to accept payments through Mastercard and other supported card networks.

Base URL

Test Environment: https://migs.mastercard.com

Production Environment: https://secure.mastercard.com

Authentication

All API requests require API Key Authentication using the following headers:

Headers:

Authorization: Bearer {your_api_key}
Content-Type: application/json

Endpoints

1. Process Payment

Endpoint: /api/v1/payments

Method: POST

Description: Processes a payment transaction for a merchant account.

Request Example:

{
  "merchant_id": "123456789",
  "amount": 100.00,
  "currency": "USD",
  "card_number": "4111111111111111",
  "expiry_month": "12",
  "expiry_year": "2025",
  "cvv": "123",
  "customer_email": "customer@example.com",
  "order_id": "ORD12345"
}

Response Example:

{
  "status": "success",
  "transaction_id": "txn_987654321",
  "approval_code": "A123BC",
  "message": "Transaction approved"
}

2. Refund Payment

Endpoint: /api/v1/refunds

Method: POST

Description: Issues a refund for a previously completed transaction.

Request Example:

{
  "merchant_id": "123456789",
  "transaction_id": "txn_987654321",
  "amount": 50.00,
  "currency": "USD",
  "reason": "Customer request"
}

Response Example:

{
  "status": "success",
  "refund_id": "refund_654321",
  "message": "Refund processed successfully"
}

3. Transaction Inquiry

Endpoint: /api/v1/transactions/{transaction_id}

Method: GET

Description: Retrieves the status and details of a specific transaction.

Request Example:

GET /api/v1/transactions/txn_987654321

Response Example:

{
  "transaction_id": "txn_987654321",
  "status": "approved",
  "amount": 100.00,
  "currency": "USD",
  "payment_method": "Mastercard",
  "timestamp": "2025-02-28T12:34:56Z"
}

4. Retrieve Merchant Balance

Endpoint: /api/v1/merchant/balance

Method: GET

Description: Retrieves the current available balance of the merchant account.

Response Example:

{
  "merchant_id": "123456789",
  "balance": 5000.00,
  "currency": "USD"
}

Error Codes

Security & Compliance

• PCI-DSS Compliant: All transactions are securely processed following PCI security standards.

• Tokenization: Card details are never stored; tokenized references are used instead.

• 3D Secure Support: Available for additional fraud protection.

Support

For any integration issues, please contact API Support at merchantsupport@rcpsecure.net

This API documentation ensures a secure and efficient payment processing experience for merchants using Mastercard’s MIGS.