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Get Started in 3 Steps

This quickstart guide will walk you through creating your first payment transaction with 88Pay. By the end, you’ll have successfully processed a test payment.
This guide uses the Sandbox environment for testing. No real money will be transferred.

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Prerequisites

Before you begin, make sure you have:
Sign up at dash.88pay.io/signup if you haven’t already.
Upload and get your documents approved in the Account Details section.
Obtain your API Key and Merchant ID from the Settings → API Credentials section.

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Step 1: Generate Authentication Token

First, you need to generate a short-lived access token that will authorize your API requests. 
curl -X POST "https://api-sandbox.88pay.io/api/auth/token" \
  -H "x-api-key: YOUR_API_KEY" \
  -H "x-merchant-id: YOUR_MERCHANT_ID"

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Response

{
  "status": "Success",
  "code": 200,
  "message": "Token generated successfully",
  "data": {
    "access_token": "eyJhbGciOiJFUzI1NiIsInR5cCI6IkpXVCJ9...",
    "expires_in": 60,
    "session_id": "sess_53a2cfc4-441e-4554-b560-4e008784d98e"
  }
}
The token expires in 60 seconds. Generate a new token for each operation or when the current one expires.

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Step 2: Create a Payment

Now let’s create a card payment transaction. Save the access_token and session_id from Step 1. 
curl -X POST "https://api-sandbox.88pay.io/api/transactions/charges" \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "x-session-id: YOUR_SESSION_ID" \
  -H "Content-Type: application/json" \
  -d '{
    "flow": "PAYIN",
    "method_code": "CARDS",
    "method_category": "CARD",
    "amount": 50000,
    "country": "COL",
    "currency": "COP",
    "description": "Test Purchase #001",
    "customer_id": "customer_12345",
    "notification_url": "https://yoursite.com/webhook",
    "return_url": "https://yoursite.com/thank-you"
  }'

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Response

{
  "status": "Success",
  "code": 200,
  "message": "Method processed",
  "data": {
    "urlCheckout": "https://link.88pay.io/GSW4WAR",
    "reference": "IP9BD7CJES6",
    "customer_id": "customer_12345",
    "currency": "COP",
    "amount": 50000
  }
}
The urlCheckout is where you should redirect your customer to complete the payment.

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Step 3: Redirect Customer & Handle Webhook

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Redirect Customer to Checkout

Redirect your customer to the urlCheckout URL received in the response: 
// Redirect customer to payment page
window.location.href = data.urlCheckout;

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Receive Webhook Notification

After the customer completes (or cancels) the payment, 88Pay will send a POST request to your notification_url: 
{
  "transaction_date": "2025-01-17 14:30:45",
  "transaction_status": "COMPLETED",
  "transaction_id": "sess_4e91a5c1-b7f2-4c64-91b1-3d204a5738b4",
  "transaction_amount": "50000",
  "transaction_payment_method": "CREDIT_CARD",
  "transaction_country": "COL",
  "transaction_currency": "COP",
  "transaction_reference": "IP9BD7CJES6",
  "transaction_customer_id": "customer_12345"
}
Your webhook endpoint must respond with 200 OK to confirm receipt.

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Testing the Integration

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Test Card Numbers (Sandbox Only)

Use these test cards in the Sandbox environment:
Card NumberStatusDescription
4111111111111111✅ ApprovedSuccessful payment
4000000000000002❌ DeclinedCard declined
4000000000000069⏳ PendingPayment pending
Expiry Date: Any future date
CVV: Any 3 digits

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Complete Example

Here’s a complete integration example: 
async function processPayment() {
  try {
    // Step 1: Generate Token
    const tokenResponse = await fetch('https://api-sandbox.88pay.io/api/auth/token', {
      method: 'POST',
      headers: {
        'x-api-key': 'YOUR_API_KEY',
        'x-merchant-id': 'YOUR_MERCHANT_ID'
      }
    });
    
    const { data: { access_token, session_id } } = await tokenResponse.json();
    
    // Step 2: Create Payment
    const paymentResponse = await fetch('https://api-sandbox.88pay.io/api/transactions/charges', {
      method: 'POST',
      headers: {
        'Authorization': `Bearer ${access_token}`,
        'x-session-id': session_id,
        'Content-Type': 'application/json'
      },
      body: JSON.stringify({
        flow: "PAYIN",
        method_code: "CARDS",
        method_category: "CARD",
        amount: 50000,
        country: "COL",
        currency: "COP",
        description: "Test Purchase #001",
        customer_id: "customer_12345",
        notification_url: "https://yoursite.com/webhook",
        return_url: "https://yoursite.com/thank-you"
      })
    });
    
    const payment = await paymentResponse.json();
    
    // Step 3: Redirect to checkout
    window.location.href = payment.data.urlCheckout;
    
  } catch (error) {
    console.error('Payment error:', error);
  }
}

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Next Steps

Congratulations! 🎉 You’ve successfully created your first payment with 88Pay.

Set up Webhooks

Learn how to properly handle payment notifications

Explore Payment Methods

See all available payment options

Go to Production

Move from Sandbox to Production

API Reference

Explore all endpoints and parameters

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