Overview

The Visa Merchant Account API allows businesses to integrate Visa payment processing, manage transactions, and retrieve account details efficiently.

Base URL

https://api.rcpsecurepay.com/v1

Authentication

All requests require API Key authentication via the Authorization header:

Authorization: Bearer YOUR_API_KEY

Endpoints

1. Merchant Onboarding

Create Merchant Account

POST /merchants

Request Body:

{
  "business_name": "ABC Store",
  "business_email": "[email protected]",
  "phone": "+1234567890",
  "address": "123 Market St, NY, USA",
  "business_type": "Retail",
  "currency": "USD"
}

Response:

{
  "merchant_id": "mch_123456",
  "status": "pending",
  "message": "Merchant account created successfully. Verification required."
}

2. Process Payments

Initiate a Payment Transaction

POST /transactions/pay

Request Body:

{
  "merchant_id": "mch_123456",
  "card_number": "4111111111111111",
  "card_expiry": "12/26",
  "cvv": "123",
  "amount": 100.50,
  "currency": "USD",
  "customer_name": "John Doe"
}

Response:

{
  "transaction_id": "txn_987654",
  "status": "approved",
  "message": "Transaction successful."
}

3. Refund Transactions

Issue a Refund

POST /transactions/refund

Request Body:

{
  "transaction_id": "txn_987654",
  "merchant_id": "mch_123456",
  "amount": 50.00,
  "reason": "Customer request"
}

Response:

{
  "refund_id": "rfnd_54321",
  "status": "processed",
  "message": "Refund issued successfully."
}

4. Retrieve Transaction History

GET /transactions?merchant_id=mch_123456&start_date=2025-01-01&end_date=2025-01-31

Response:

{
  "merchant_id": "mch_123456",
  "transactions": [
    {
      "transaction_id": "txn_987654",
      "amount": 100.50,
      "currency": "USD",
      "status": "approved",
      "date": "2025-01-15"
    },
    {
      "transaction_id": "txn_654321",
      "amount": 75.00,
      "currency": "USD",
      "status": "declined",
      "date": "2025-01-20"
    }
  ]
}

5. Merchant Account Balance

GET /merchants/mch_123456/balance

Response:

{
  "merchant_id": "mch_123456",
  "available_balance": 5000.75,
  "currency": "USD"
}

Error Handling

Errors follow this format:

{
  "error": {
    "code": 400,
    "message": "Invalid request parameters."
  }
}

Rate Limits

• Standard Plan: 1000 requests/hour

• Enterprise Plan: Unlimited

For more details, contact [email protected]

This API documentation is tailored for RCPSecurePay with Visa transactions.