Create charge

Quick Reference

WhatCreate a charge for any payment method

WhyProcess payments across 11 methods, 6 countries, and 29 acquirers with a single endpoint

Reading Time10 min

DifficultyBeginner

PrerequisitesAuthentication → Environment

POST/api/v1/bank/wallet/charge/Bearer TokenCreate a new charge

When to use this endpoint

Scenario	How create charge helps
Accept a credit card payment	Set type_charge: "credit_card" with card fields or let SDK/Checkout handle them
Offer PIX instant payment	Set type_charge: "pix" — response includes QR code and copy-paste code
Generate a Boleto bank slip	Set type_charge: "boleto" — response includes barcode and due date
Accept Apple Pay / Google Pay	Set type_charge: "applepay" or "googlepay" with token data
Set up recurring billing	Add a subscription object to create a charge + subscription in one call
Authorization-only flow	Set capture: false for hotels, car rentals, pre-auth patterns

---

Choose your payment method

Select a method below. The page will show only the fields, code, and response relevant to that method.

---

Request parameters (all methods)

These fields are required for every payment method:

Field	Type	Required	Description
wallet_uuid	string (UUID)	Yes	Wallet that receives the funds
merchant_id	string	Yes	Merchant identifier
payer_name	string	Yes	Payer full name
payer_email	string	Yes	Payer email address
payer_tax_id	string	Yes	Tax ID (CPF in Brazil, RFC in Mexico, RUT in Chile, CUIT in Argentina)
payer_cell_phone	string	Yes	Payer mobile phone with country code
installment_value	number	Yes	Charge amount per installment. For zero-decimal currencies (CLP, COP), use integers — see currency rules below
installment_count	integer	Yes	Number of installments (use 1 for single payment)
currency	string	Yes	ISO 4217 currency code: BRL, MXN, CLP, COP, PEN, ARS, USD
due_date	string	Yes	Due date in YYYY-MM-DD format
description	string	Yes	Charge description shown to the payer
type_charge	string	Yes	Payment method — see selector above
payer_address	object	Yes	Billing address (see below)

Payer address object

Field	Type	Required	Description
street	string	Yes	Street name
address_number	string	Yes	Street number
complement	string	Yes	Apartment, suite, floor
neighborhood	string	Yes	Neighborhood or district
city	string	Yes	City
state	string	Yes	State code (e.g., SP, CDMX)
postal_code	string	Yes	Postal / ZIP code
country	string	No	ISO 3166-1 alpha-2 (e.g., BR). Defaults to wallet country

Currency-specific amount rules

Currency	Decimals	Amount format	Example	Backend behavior
BRL	2	150.00	"installment_value": 150.00	Stored as Numeric(11,2)
MXN	2	2500.00	"installment_value": 2500.00	Stored as Numeric(11,2)
USD	2	100.00	"installment_value": 100.00	Stored as Numeric(11,2)
PEN	2	350.00	"installment_value": 350.00	Stored as Numeric(11,2)
ARS	2	85000.00	"installment_value": 85000.00	Stored as Numeric(11,2)
CLP	0	50000	"installment_value": 50000	Truncated to integer before sending to acquirer
COP	0	200000	"installment_value": 200000	Truncated to integer before sending to acquirer

Zero-decimal currencies

CLP (Chilean Peso) and COP (Colombian Peso) have no fractional units. The backend converts amounts to integers before sending to acquirers. Sending 50000.50 for CLP results in 50000. Always send whole numbers for these currencies to avoid unexpected truncation.

Optional fields (all methods)

Field	Type	Default	Description
webhook_url	string	—	Override the default webhook URL for this charge
redirect_url	string	—	Return URL after checkout page or 3DS challenge
reference_external_id	string	—	Your internal order ID for reconciliation
is_async	boolean	false	Async processing where supported
shipping_address	object	—	Shipping address (same structure as payer_address)

---

Card-specific fields

Field	Type	Required	Description
card_number	string	H2H only	Card PAN (SDK and Checkout handle this)
card_name	string	H2H only	Name printed on the card
card_expiry_month	string	H2H only	Expiry month MM
card_expiry_year	string	H2H only	Expiry year YYYY
card_cvv	string	H2H only	Card verification value
capture	boolean	No	true (default) = auto-capture; false = authorize only
threeds_authentication	boolean	No	true to force 3DS authentication
device_info	object	3DS	Browser/device fingerprint for 3DS (see below)
antifraud_info	object	No	Behavioral data for anti-fraud scoring
subscription	object	No	Creates a recurring subscription with this charge

When are card fields required?

• H2H integration: You send card_number, card_name, card_expiry_month, card_expiry_year, card_cvv directly.
• SDK integration: The SDK collects card data in the browser. You only send the universal fields.
• Checkout Page: A55's hosted page collects everything. You only send universal fields + redirect_url.

Device info object (3DS)

Required when threeds_authentication: true in H2H flows:

Field	Type	Description
ip_address	string	Payer's IP address
user_agent	string	Browser user-agent string
device_id	string	SDK-generated device fingerprint
session_id	string	DDC session ID from issuer
http_accept_content	string	Browser Accept header
http_browser_language	string	Browser language (e.g., en-US)
http_browser_java_enabled	boolean	Java enabled in browser
http_browser_javascript_enabled	boolean	JavaScript enabled
http_browser_color_depth	string	Color depth (e.g., 24)
http_browser_screen_height	string	Screen height in pixels
http_browser_screen_width	string	Screen width in pixels
http_browser_time_difference	string	UTC offset (e.g., -3)

Antifraud info object

Improves fraud scoring and approval rates:

Field	Type	Description
sales_channel	string	web, app, pos, marketplace, link, subscription, api
cardholder_logged_in	boolean	Whether payer was logged in
cardholder_since_days	integer	Days since account creation
purchase_history	integer	Total past purchases
days_since_last_purchase_merchant	integer	Days since last purchase with you

Subscription object

Creates a recurring subscription attached to this charge:

Field	Type	Required	Description
cycle	string	Yes	weekly, biweekly, monthly, quarterly, semiannually, yearly
end_date	string	No	Subscription end date YYYY-MM-DD (omit for indefinite)

Apple Pay fields

Field	Type	Required	Description
applepay.type	string	Yes	credit_card or debit_card
applepay.eci	string	Yes	Electronic Commerce Indicator from Apple Pay token
applepay.cavv	string	Yes	Cardholder Authentication Verification Value

Apple Pay token

Your frontend obtains the Apple Pay token via the Apple Pay JS API. Extract eci and cavv from the token's payment data and pass them here. A55 handles the rest.

Google Pay fields

Field	Type	Required	Description
googlepay.type	string	Yes	credit_card or debit_card
googlepay.eci	string	No	Electronic Commerce Indicator
googlepay.cavv	string	No	Cardholder Authentication Verification Value

Google Pay token

Your frontend obtains the Google Pay token via the Google Pay API. Extract cryptogram data and pass it here. A55 decrypts and processes the payment.

PIX-specific behavior

PIX requires no additional fields beyond the universal parameters. Set type_charge: "pix" and the response will include:

• pix_qr_code — Base64-encoded QR code image
• pix_copy_paste — Copy-paste string (EMV code) for the payer
• pix_expiration — QR code expiration timestamp

PIX is instant

PIX payments confirm in seconds. Your webhook will fire almost immediately with status: "paid". No capture step is needed.

Boleto-specific behavior

Boleto requires no additional fields beyond the universal parameters. Set type_charge: "boleto" and the response will include:

• boleto_barcode — Numeric barcode (44 digits)
• boleto_url — URL to the printable bank slip PDF
• boleto_due_date — Payment deadline

Boleto settlement

Boleto payments settle in 1-3 business days after the payer pays at a bank, lottery house, or banking app. Your webhook fires when payment is confirmed by the banking network.

SPEI-specific behavior

SPEI requires no additional fields beyond the universal parameters. Set type_charge: "spei" and the currency to MXN. The response will include the CLABE number and reference for the payer to complete the transfer.

SPEI settlement

SPEI transfers in Mexico typically settle within minutes during banking hours. A55 monitors the payment and sends a webhook when confirmed.

OXXO-specific behavior

OXXO requires no additional fields beyond the universal parameters. Set type_charge: "oxxo" and the currency to MXN. The response will include a payment reference and barcode that the payer presents at any OXXO convenience store.

OXXO settlement

OXXO cash payments settle in 1-2 business days after the payer pays at the store. The reference expires on the due_date.

QR Argentina behavior

QRA requires no additional fields beyond the universal parameters. Set type_charge: "qra" and the currency to ARS. The response includes a QR code for the payer to scan with their banking app.

Pago Facil behavior

Pago Facil requires no additional fields beyond the universal parameters. Set type_charge: "pfc" and the currency to ARS. The response includes a payment voucher and reference number for the payer to present at any Pago Facil location.

E-Wallet behavior

E-Wallet requires no additional fields beyond the universal parameters. Set type_charge: "e_wallet". The response includes a redirect URL or deep link to the wallet provider's app for the payer to authorize the payment.

---

Code examples

Credit card charge

cURL

curl -s -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "Maria Silva",
    "payer_email": "maria@example.com",
    "payer_tax_id": "123.456.789-09",
    "payer_cell_phone": "+5511999999999",
    "installment_value": 150.00,
    "installment_count": 3,
    "currency": "BRL",
    "due_date": "2026-12-31",
    "description": "Order #42 — 3x installments",
    "type_charge": "credit_card",
    "card_number": "4024007153763191",
    "card_name": "MARIA SILVA",
    "card_expiry_month": "12",
    "card_expiry_year": "2030",
    "card_cvv": "123",
    "capture": true,
    "webhook_url": "https://your-app.com/webhooks/a55",
    "payer_address": {
      "street": "Av. Paulista",
      "address_number": "1000",
      "complement": "Sala 101",
      "neighborhood": "Bela Vista",
      "city": "São Paulo",
      "state": "SP",
      "postal_code": "01310-100",
      "country": "BR"
    }
  }'

Python

import requests

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    json={
        "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "Maria Silva",
        "payer_email": "maria@example.com",
        "payer_tax_id": "123.456.789-09",
        "payer_cell_phone": "+5511999999999",
        "installment_value": 150.00,
        "installment_count": 3,
        "currency": "BRL",
        "due_date": "2026-12-31",
        "description": "Order #42 — 3x installments",
        "type_charge": "credit_card",
        "card_number": "4024007153763191",
        "card_name": "MARIA SILVA",
        "card_expiry_month": "12",
        "card_expiry_year": "2030",
        "card_cvv": "123",
        "capture": True,
        "webhook_url": "https://your-app.com/webhooks/a55",
        "payer_address": {
            "street": "Av. Paulista",
            "address_number": "1000",
            "complement": "Sala 101",
            "neighborhood": "Bela Vista",
            "city": "São Paulo",
            "state": "SP",
            "postal_code": "01310-100",
            "country": "BR",
        },
    },
    headers={
        "Authorization": f"Bearer {token}",
        "Content-Type": "application/json",
    },
).json()

print(f"Charge: {charge['charge_uuid']} — Status: {charge['status']}")
print(f"Total: {charge['installment_count']}x R$ {charge['installments'][0]['local_currency']}")

JavaScript

const charge = await fetch(
  "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
  {
    method: "POST",
    headers: {
      Authorization: `Bearer ${token}`,
      "Content-Type": "application/json",
    },
    body: JSON.stringify({
      wallet_uuid: "f47ac10b-58cc-4372-a567-0e02b2c3d479",
      merchant_id: "11111111-1111-1111-1111-111111111111",
      payer_name: "Maria Silva",
      payer_email: "maria@example.com",
      payer_tax_id: "123.456.789-09",
      payer_cell_phone: "+5511999999999",
      installment_value: 150.0,
      installment_count: 3,
      currency: "BRL",
      due_date: "2026-12-31",
      description: "Order #42 — 3x installments",
      type_charge: "credit_card",
      card_number: "4024007153763191",
      card_name: "MARIA SILVA",
      card_expiry_month: "12",
      card_expiry_year: "2030",
      card_cvv: "123",
      capture: true,
      webhook_url: "https://your-app.com/webhooks/a55",
      payer_address: {
        street: "Av. Paulista",
        address_number: "1000",
        complement: "Sala 101",
        neighborhood: "Bela Vista",
        city: "São Paulo",
        state: "SP",
        postal_code: "01310-100",
        country: "BR",
      },
    }),
  }
).then(r => r.json());

console.log(`Charge: ${charge.charge_uuid} — Status: ${charge.status}`);
console.log(`Total: ${charge.installment_count}x R$ ${charge.installments[0].local_currency}`);

Debit card charge

cURL

curl -s -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "João Santos",
    "payer_email": "joao@example.com",
    "payer_tax_id": "987.654.321-00",
    "payer_cell_phone": "+5511988888888",
    "installment_value": 89.90,
    "installment_count": 1,
    "currency": "BRL",
    "due_date": "2026-12-31",
    "description": "Order #43 — Debit",
    "type_charge": "debit_card",
    "card_number": "5155901222280001",
    "card_name": "JOAO SANTOS",
    "card_expiry_month": "06",
    "card_expiry_year": "2029",
    "card_cvv": "456",
    "webhook_url": "https://your-app.com/webhooks/a55",
    "payer_address": {
      "street": "Rua Augusta", "address_number": "500",
      "complement": "Apt 42", "neighborhood": "Consolação",
      "city": "São Paulo", "state": "SP",
      "postal_code": "01304-000", "country": "BR"
    }
  }'

Python

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    json={
        "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "João Santos",
        "payer_email": "joao@example.com",
        "payer_tax_id": "987.654.321-00",
        "payer_cell_phone": "+5511988888888",
        "installment_value": 89.90,
        "installment_count": 1,
        "currency": "BRL",
        "due_date": "2026-12-31",
        "description": "Order #43 — Debit",
        "type_charge": "debit_card",
        "card_number": "5155901222280001",
        "card_name": "JOAO SANTOS",
        "card_expiry_month": "06",
        "card_expiry_year": "2029",
        "card_cvv": "456",
        "webhook_url": "https://your-app.com/webhooks/a55",
        "payer_address": {
            "street": "Rua Augusta", "address_number": "500",
            "complement": "Apt 42", "neighborhood": "Consolação",
            "city": "São Paulo", "state": "SP",
            "postal_code": "01304-000", "country": "BR",
        },
    },
    headers={"Authorization": f"Bearer {token}", "Content-Type": "application/json"},
).json()
print(f"Status: {charge['status']}")

JavaScript

const charge = await fetch("https://core-manager.a55.tech/api/v1/bank/wallet/charge/", {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Content-Type": "application/json" },
  body: JSON.stringify({
    wallet_uuid: "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    merchant_id: "11111111-1111-1111-1111-111111111111",
    payer_name: "João Santos", payer_email: "joao@example.com",
    payer_tax_id: "987.654.321-00", payer_cell_phone: "+5511988888888",
    installment_value: 89.9, installment_count: 1,
    currency: "BRL", due_date: "2026-12-31",
    description: "Order #43 — Debit", type_charge: "debit_card",
    card_number: "5155901222280001", card_name: "JOAO SANTOS",
    card_expiry_month: "06", card_expiry_year: "2029", card_cvv: "456",
    webhook_url: "https://your-app.com/webhooks/a55",
    payer_address: {
      street: "Rua Augusta", address_number: "500", complement: "Apt 42",
      neighborhood: "Consolação", city: "São Paulo", state: "SP",
      postal_code: "01304-000", country: "BR",
    },
  }),
}).then(r => r.json());
console.log(`Status: ${charge.status}`);

PIX charge

cURL

curl -s -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "Ana Costa",
    "payer_email": "ana@example.com",
    "payer_tax_id": "111.222.333-44",
    "payer_cell_phone": "+5521977777777",
    "installment_value": 49.90,
    "installment_count": 1,
    "currency": "BRL",
    "due_date": "2026-12-31",
    "description": "Order #44 — PIX",
    "type_charge": "pix",
    "webhook_url": "https://your-app.com/webhooks/a55",
    "payer_address": {
      "street": "Av. Rio Branco", "address_number": "200",
      "complement": "Sala 301", "neighborhood": "Centro",
      "city": "Rio de Janeiro", "state": "RJ",
      "postal_code": "20040-002", "country": "BR"
    }
  }'

Python

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    json={
        "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "Ana Costa",
        "payer_email": "ana@example.com",
        "payer_tax_id": "111.222.333-44",
        "payer_cell_phone": "+5521977777777",
        "installment_value": 49.90,
        "installment_count": 1,
        "currency": "BRL",
        "due_date": "2026-12-31",
        "description": "Order #44 — PIX",
        "type_charge": "pix",
        "webhook_url": "https://your-app.com/webhooks/a55",
        "payer_address": {
            "street": "Av. Rio Branco", "address_number": "200",
            "complement": "Sala 301", "neighborhood": "Centro",
            "city": "Rio de Janeiro", "state": "RJ",
            "postal_code": "20040-002", "country": "BR",
        },
    },
    headers={"Authorization": f"Bearer {token}", "Content-Type": "application/json"},
).json()
print(f"PIX QR Code URL: {charge.get('charge_payment_url')}")
print(f"Status: {charge['status']}")

JavaScript

const charge = await fetch("https://core-manager.a55.tech/api/v1/bank/wallet/charge/", {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Content-Type": "application/json" },
  body: JSON.stringify({
    wallet_uuid: "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    merchant_id: "11111111-1111-1111-1111-111111111111",
    payer_name: "Ana Costa", payer_email: "ana@example.com",
    payer_tax_id: "111.222.333-44", payer_cell_phone: "+5521977777777",
    installment_value: 49.9, installment_count: 1,
    currency: "BRL", due_date: "2026-12-31",
    description: "Order #44 — PIX", type_charge: "pix",
    webhook_url: "https://your-app.com/webhooks/a55",
    payer_address: {
      street: "Av. Rio Branco", address_number: "200", complement: "Sala 301",
      neighborhood: "Centro", city: "Rio de Janeiro", state: "RJ",
      postal_code: "20040-002", country: "BR",
    },
  }),
}).then(r => r.json());
console.log(`PIX QR Code URL: ${charge.charge_payment_url}`);

Alternative method charge

The payload is the same as the universal fields. Only change type_charge and currency to match your method and country.

cURL

curl -s -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "YOUR_WALLET_UUID",
    "merchant_id": "YOUR_MERCHANT_UUID",
    "payer_name": "Payer Name",
    "payer_email": "payer@example.com",
    "payer_tax_id": "TAX_ID",
    "payer_cell_phone": "+PHONE",
    "installment_value": 100.00,
    "installment_count": 1,
    "currency": "BRL",
    "due_date": "2026-12-31",
    "description": "Order description",
    "type_charge": "boleto",
    "webhook_url": "https://your-app.com/webhooks/a55",
    "payer_address": {
      "street": "Street", "address_number": "123",
      "complement": "Suite", "neighborhood": "District",
      "city": "City", "state": "ST",
      "postal_code": "00000-000", "country": "BR"
    }
  }'

Python

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    json={
        "wallet_uuid": "YOUR_WALLET_UUID",
        "merchant_id": "YOUR_MERCHANT_UUID",
        "payer_name": "Payer Name",
        "payer_email": "payer@example.com",
        "payer_tax_id": "TAX_ID",
        "payer_cell_phone": "+PHONE",
        "installment_value": 100.00,
        "installment_count": 1,
        "currency": "BRL",
        "due_date": "2026-12-31",
        "description": "Order description",
        "type_charge": "boleto",  # change to: spei, oxxo, qra, pfc, e_wallet
        "webhook_url": "https://your-app.com/webhooks/a55",
        "payer_address": {
            "street": "Street", "address_number": "123",
            "complement": "Suite", "neighborhood": "District",
            "city": "City", "state": "ST",
            "postal_code": "00000-000", "country": "BR",
        },
    },
    headers={"Authorization": f"Bearer {token}", "Content-Type": "application/json"},
).json()

JavaScript

const charge = await fetch("https://core-manager.a55.tech/api/v1/bank/wallet/charge/", {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Content-Type": "application/json" },
  body: JSON.stringify({
    wallet_uuid: "YOUR_WALLET_UUID",
    merchant_id: "YOUR_MERCHANT_UUID",
    payer_name: "Payer Name", payer_email: "payer@example.com",
    payer_tax_id: "TAX_ID", payer_cell_phone: "+PHONE",
    installment_value: 100.0, installment_count: 1,
    currency: "BRL", due_date: "2026-12-31",
    description: "Order description",
    type_charge: "boleto", // change to: spei, oxxo, qra, pfc, e_wallet
    webhook_url: "https://your-app.com/webhooks/a55",
    payer_address: {
      street: "Street", address_number: "123", complement: "Suite",
      neighborhood: "District", city: "City", state: "ST",
      postal_code: "00000-000", country: "BR",
    },
  }),
}).then(r => r.json());

Apple Pay / Google Pay charge

cURL

curl -s -X POST https://core-manager.a55.tech/api/v1/bank/wallet/charge/ \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "merchant_id": "11111111-1111-1111-1111-111111111111",
    "payer_name": "Carlos Mendes",
    "payer_email": "carlos@example.com",
    "payer_tax_id": "555.666.777-88",
    "payer_cell_phone": "+5511966666666",
    "installment_value": 299.00,
    "installment_count": 1,
    "currency": "BRL",
    "due_date": "2026-12-31",
    "description": "Order #45 — Apple Pay",
    "type_charge": "applepay",
    "applepay": {
      "type": "credit_card",
      "eci": "05",
      "cavv": "AAABBJg0VhI0VniQEjRWAAAAAAA="
    },
    "webhook_url": "https://your-app.com/webhooks/a55",
    "payer_address": {
      "street": "Av. Faria Lima", "address_number": "3000",
      "complement": "18 andar", "neighborhood": "Itaim Bibi",
      "city": "São Paulo", "state": "SP",
      "postal_code": "04538-132", "country": "BR"
    }
  }'

Python

charge = requests.post(
    "https://core-manager.a55.tech/api/v1/bank/wallet/charge/",
    json={
        "wallet_uuid": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
        "merchant_id": "11111111-1111-1111-1111-111111111111",
        "payer_name": "Carlos Mendes",
        "payer_email": "carlos@example.com",
        "payer_tax_id": "555.666.777-88",
        "payer_cell_phone": "+5511966666666",
        "installment_value": 299.00,
        "installment_count": 1,
        "currency": "BRL",
        "due_date": "2026-12-31",
        "description": "Order #45 — Apple Pay",
        "type_charge": "applepay",
        "applepay": {"type": "credit_card", "eci": "05", "cavv": "AAABBJg0VhI0VniQEjRWAAAAAAA="},
        "webhook_url": "https://your-app.com/webhooks/a55",
        "payer_address": {
            "street": "Av. Faria Lima", "address_number": "3000",
            "complement": "18 andar", "neighborhood": "Itaim Bibi",
            "city": "São Paulo", "state": "SP",
            "postal_code": "04538-132", "country": "BR",
        },
    },
    headers={"Authorization": f"Bearer {token}", "Content-Type": "application/json"},
).json()

JavaScript

const charge = await fetch("https://core-manager.a55.tech/api/v1/bank/wallet/charge/", {
  method: "POST",
  headers: { Authorization: `Bearer ${token}`, "Content-Type": "application/json" },
  body: JSON.stringify({
    wallet_uuid: "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    merchant_id: "11111111-1111-1111-1111-111111111111",
    payer_name: "Carlos Mendes", payer_email: "carlos@example.com",
    payer_tax_id: "555.666.777-88", payer_cell_phone: "+5511966666666",
    installment_value: 299.0, installment_count: 1,
    currency: "BRL", due_date: "2026-12-31",
    description: "Order #45 — Apple Pay", type_charge: "applepay",
    applepay: { type: "credit_card", eci: "05", cavv: "AAABBJg0VhI0VniQEjRWAAAAAAA=" },
    webhook_url: "https://your-app.com/webhooks/a55",
    payer_address: {
      street: "Av. Faria Lima", address_number: "3000", complement: "18 andar",
      neighborhood: "Itaim Bibi", city: "São Paulo", state: "SP",
      postal_code: "04538-132", country: "BR",
    },
  }),
}).then(r => r.json());

---

Response

Charge lifecycle

Response fields

Field	Type	Description
charge_uuid	string	Unique charge identifier
status	string	issued, pending, confirmed, paid, error, canceled, refunded
local_currency	number	Amount in the wallet's settlement currency
currency	string	ISO 4217 currency code
usd_currency	number	Equivalent amount in USD
eur_currency	number	Equivalent amount in EUR
type	string	Payment method used
date	string	Charge creation date
description	string	Charge description
due_date	string	Payment due date
installment_count	integer	Number of installments
installments	array	Per-installment breakdown
charge_payment_url	string	Checkout/SDK payment URL (when applicable)
url_3ds	string	3DS challenge redirect URL (H2H only)
message	array/null	Error details when status: "error"
subscription	object	Subscription details (when subscription was included)

Card response example

{
  "charge_uuid": "51dcca6e-7310-4b73-a94c-90835408f2ff",
  "local_currency": 150.00,
  "currency": "BRL",
  "usd_currency": 26.90,
  "eur_currency": 23.58,
  "type": "credit_card",
  "date": "2026-03-20",
  "description": "Order #42 — 3x installments",
  "due_date": "2026-12-31",
  "status": "confirmed",
  "message": null,
  "installment_count": 3,
  "installments": [
    {
      "local_currency": 50.00,
      "currency": "BRL",
      "usd_currency": 8.97,
      "eur_currency": 7.86,
      "due_date": "2026-12-31",
      "status": "confirmed",
      "installment_number": 1
    },
    {
      "local_currency": 50.00,
      "currency": "BRL",
      "usd_currency": 8.97,
      "eur_currency": 7.86,
      "due_date": "2027-01-31",
      "status": "confirmed",
      "installment_number": 2
    },
    {
      "local_currency": 50.00,
      "currency": "BRL",
      "usd_currency": 8.97,
      "eur_currency": 7.86,
      "due_date": "2027-02-28",
      "status": "confirmed",
      "installment_number": 3
    }
  ]
}

PIX response example

{
  "charge_uuid": "51dcca6e-7310-4b73-a94c-90835408f2ff",
  "local_currency": 49.90,
  "currency": "BRL",
  "usd_currency": 8.95,
  "eur_currency": 7.85,
  "type": "pix",
  "date": "2026-03-20",
  "description": "Order #44 — PIX",
  "due_date": "2026-12-31",
  "status": "issued",
  "installment_count": 1,
  "installments": [
    {
      "local_currency": 49.90,
      "currency": "BRL",
      "due_date": "2026-12-31",
      "status": "issued",
      "installment_number": 1
    }
  ],
  "pix_qr_code": "data:image/png;base64,iVBORw0KGgoAAAANSUhEU...",
  "pix_copy_paste": "00020126580014br.gov.bcb.pix0136f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "pix_expiration": "2026-03-21T14:30:00-03:00",
  "charge_payment_url": "https://pay.a55.tech/charge/51dcca6e-7310-4b73-a94c-90835408f2ff"
}

Response example

{
  "charge_uuid": "51dcca6e-7310-4b73-a94c-90835408f2ff",
  "local_currency": 100.00,
  "currency": "BRL",
  "usd_currency": 17.93,
  "eur_currency": 15.72,
  "type": "boleto",
  "date": "2026-03-20",
  "description": "Order description",
  "due_date": "2026-12-31",
  "status": "issued",
  "installment_count": 1,
  "installments": [
    {
      "local_currency": 100.00,
      "currency": "BRL",
      "due_date": "2026-12-31",
      "status": "issued",
      "installment_number": 1
    }
  ],
  "boleto_barcode": "23793.38128 08000.000004 00000.000405 1 84340000010000",
  "boleto_url": "https://pay.a55.tech/boleto/51dcca6e-7310-4b73-a94c-90835408f2ff.pdf",
  "boleto_due_date": "2026-12-31",
  "charge_payment_url": "https://pay.a55.tech/charge/51dcca6e-7310-4b73-a94c-90835408f2ff"
}

Error response

{
  "charge_uuid": "51dcca6e-7310-4b73-a94c-90835408f2ff",
  "status": "error",
  "message": [
    {
      "code": "error_threeds_authentication",
      "source": "authentication",
      "description": "Issuing bank declined the authentication"
    }
  ]
}

---

Error codes

Code	Meaning	What to do
INVALID_TYPE_CHARGE	Unsupported type_charge value	Check the allowed values in the selector above
errors.wallet.not_found	Wallet UUID does not exist	Verify wallet_uuid
errors.unexpected	Internal server error	Retry with exponential backoff; contact support if persistent
error_threeds_authentication	3DS authentication failed	Ask the payer to retry or use a different card

Always use webhooks

Never rely on the synchronous response alone for final payment status. The charge may move through several states asynchronously. Set webhook_url and treat the webhook as the source of truth.

Set data_only: true on your credit card charges to share enriched transaction data with issuers through 3DS rails — without any cardholder challenge. Merchants have seen up to +646 basis points approval rate improvement.

Works with Visa and Mastercard. Requires device_info with browser/device signals.

Learn how to activate Data Only →

Get charge →Poll charge status by UUID.Capture charge →Capture a previously authorized card payment.DataOnly →Highest approval rates via data sharing.Webhooks →Receive real-time status updates.