Authorization callbacks enable you to control which consumers can make payments and when. Payment attempts trigger authorization callbacks to the merchant before the transaction is sent for processing.

The authorization callback allows you to perform the following tasks:

Decline unwanted payments such as the following:
- Transactions containing expired offers,
- Transactions where the payment amount is over regulatory or risk limits,
- Transactions from a consumer account with frequent chargebacks and/or returns.
Provide up to 3,000 characters of customized, dynamic text for the receipt. Use this text to deliver valuable consumer information, such as instructions, points programs, account status, or special offers based on the consumer’s purchase history.

Available Customizations

Clients can configure their Authorization callbacks to exclude certain payment scenarios. Specifically, the callback can be skipped for:

Payments initiated via the API using the /make_payment endpoint,
Payments that are part of a recurring autopay schedule,
Future-dated, one-time payments.

This customization allows for more streamlined processing by eliminating unnecessary callbacks for automated or scheduled transactions.

In addition to customizing when the Authorization callback is made, clients can also customize what parameters are returned with the callback. For example, if your site does not accept cash payments, you may want to exclude the payment_longitude, payment_latitude, retailer_location_address, retailer_location_identifier, and retailer_name from the payload of your Authorization callbacks.

Other excludable parameters are marked in the Request Parameters table. To make any of these customizations, consult your PayNearMe Technical Account Manager.

Request Parameters

For electronic transactions (e.g., non-cash payments), PayNearMe automatically initiates the authorization callback after the consumer submits his/her payment data. For cash transactions, the retailer initiates the authorization callback after scanning the consumer’s Token (e.g., barcode or QR code). Once initiated, the callback pings a handler endpoint that you’ve set up on your server. This ping notification can include the following parameters:

Parameter	Description	Type	Excludable?
`site_identifier`	The ID that identifies your site.	string
`pnm_payment_identifier`	A unique string ID that PayNearMe generates with each payment.	string
`site_customer_identifier`	A unique string ID the client creates to identify consumers.	string
`site_order_identifier`	A unique string ID the client creates to identify the order.	string
`due_to_site_amount`	The amount due to the client at settlement	dec
`due_to_site_currency`	`USD`	enum
`net_payment_amount`	The payment amount after taking out the Site Processing Fee, PNM Processing Fee, and if applicable, the Retailer’s Fee.	dec
`net_payment_currency`	`USD`	enum
`payment_amount`	The total payment amount the consumer submitted online or paid to the retailer.	dec
`payment_currency`	`USD`	enum
`payment_date`	The date of the payment in Epoch Standard time.	string
`pnm_withheld_amount`	The total amount withheld by PayNearMe that is shared with the retailer, site, and parent site, if applicable.	dec
`pnm_withheld_currency`	`USD`	enum
`payment_card_type`	The type of debit or credit card payment method: Cash App Pay Debit (Apple Pay) Debit Card Google Pay Paypal Venmo	string
`payment_card_last4`	The last four digits of the credit or debit card or the token identifier of the credit or debit card used in a Cash App payment. NOTE: Does not display for PayPal or Venmo payments.	string
`payment_bank_name`	The name of the consumer’s bank.	string
`payment_bank_last4`	The last four digits of the bank account used in the payment.	string
`payment_longitude`	For kiosk (i.e., QuotePro) or cash payments, this is the longitudinal coordinate of the kiosk/retailer location. NOTE: Only included for cash transactions.	string	✔️
`payment_latitude`	For kiosk (i.e., QuotePro) or cash payments, this is the latitudinal coordinate of the kiosk/retailer location. NOTE: Only included for cash transactions.	string	✔️
`retailer_location_address`	The street address and state of the retailer or kiosk location. NOTE: Only included for cash transactions.	string	✔️
`retailer_location_identifier`	The PayNearMe-defined ID for the retailer location. NOTE: Only included for cash transactions.	enum	✔️
`retailer_name`	The name of the retailer. NOTE: Only included for cash transactions.	string	✔️
`pnm_order_identifier`	The unique, PayNearMe-generated ID for this order.	string
`pnm_processing_fee`	The amount of the processing fee that PayNearMe charges.	dec
`pnm_processing_currency`	`USD`	enum
`site_order_annotation`	A merchant-provided description of the order. This field is only echoed in the callback if the `site_order_annotation` parameter was included in the original `create_order` request.	string
`payment_type`	The type of funding method the consumer used for the transaction. Supported values include the following: `ach` `cash` `cash_app` `credit` `debit` `paypal` `pin4`	enum	✔️
`payment_method_identifier`	The unique identifier (i.e., token) for the payment method account.	string	✔️
`site_channel`	Indicates the source of the transaction. Supported options include the following: `agent` `agent-recurring` `consumer` `consumer-recurring`	enum	✔️
`site_subchannel`	Indicates whether the transaction was a scheduled transaction. Supported options include the following: `scheduled_one_time` `scheduled_recurring`	enum	✔️
`agent_name`	The first and last name of the agent that created the payment. This field is only returned for immediate payments made by agents in the Embedded Form. It will not display for recurring or scheduled payments.	string	✔️
`agent_email`	This field is only returned for immediate payments made by agents in the Embedded Form. It will not display for recurring or scheduled payments.	string	✔️
`pricing_schedule_name`	Specifies the pricing category associated with the payment. Supported options include the following: `agent` `agent_recurring` `consumer` `consumer_recurring`	enum	✔️
`settlement_method`	The ID of the bank account where funds for this payment will be settled.	string	✔️
`user_device`	Indicates what device the consumer used to make the payment. Supported options include: `mobile` `desktop`	enum	✔️
`user_environment`	The browser that the consumer used to make the payment.	string	✔️
`user_agent_string`	The full user agent string text that the browser sent to the server when requesting the payment webpage.	string	✔️
`signature`	The HMAC signature of the callback (v3.0) or the MD5 signature of the callback (v2.0) used to authenticate it as a genuine PayNearMe callback.	string
`timestamp`	The Unix Epoch time of the call.	string
`version`	The version of the API. This version must match the version associated with your default API key pair.	string

Response Parameters

Once you receive the authorization callback, you have 10 seconds to approve or decline the transaction with a response containing the following parameters:

Response Parameter	Description	Type	Req
`pnm_order_identifier`	The unique, PayNearMe-generated ID for this order.	string	R
`accept_payment`	Indicates whether you want to accept the payment. Supported values for this field include the following: `yes` `no`	enum	R
`site_payment_identifier`	An arbitrary, merchant-defined string that identifies the payment. If specified, PayNearMe will echo this value back during the Confirmation callback. To correlate Authorization and Confirmation calls, use the `pnm_payment_identifier` parameter rather than the `site_payment_identifier`.	string	O
`decline_reason`	A customized text string that indicates the reason the authorization was declined. The string may be static or dynamically generated and may optionally include parameters for data to be supplied by PayNearMe.	string	O
`receipt`	Up to 3,000 characters of a customized text string for the receipt. The string may be static or dynamically generated and may optionally include parameters for data to be supplied by PayNearMe. Receipt verbiage must adhere to the following specifications: Messages can be 3,000 characters or less. Only 40 monospaced characters per printed line. Use `<br>` to indicate line breaks. To center align a line of text, prefix the line with a carat (^). If this parameter is not included in your callback response, the receipt will display your site’s default messaging for approved and declined transactions.	string	O

If PayNearMe does not receive a response to the authorization callback, the transaction is automatically voided.

🚧
Velocity Limits
PayNearMe enforces velocity limits for each consumer regardless of callback status. These limits include a rolling, per 24-hour limit (e.g., $500 for cash payments) and a rolling, per 30-day limit (e.g., $10,000 for cash payments) for each payment type. If a consumer attempts to make payments that exceed these limits, PayNearMe will automatically decline the transaction without sending the Authorization callback to the merchant.

Code Samples

The following code samples display example Authorization callbacks and the server response for each payment type. Each sample includes all the available parameters in the payload for that payment type.

Cash Payment

{
  "pnm_order_identifier": "80080175585",
  "pnm_payment_identifier": "830466818968",
  "site_order_identifier": "5778913883",
  "site_customer_identifier": "171960000",
  "version": "3.0",
  "payment_amount": "354.99",
  "payment_currency": "USD",
  "payment_date": "1748969961",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "350.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "350.00",
  "due_to_site_currency": "USD",
  "payment_latitude": "27.3268",
  "payment_longitude": "-80.31995",
  "retailer_name": "Walgreens",
  "retailer_location_identifier": "5335",
  "retailer_location_address": "7620 S Us Highway 1, Port Saint Lucie, FL",
  "settlement_method": "SM758419459",
  "payment_type": "cash",
  "site_identifier": "S3711063247",
  "user_device": "mobile",
  "user_environment": "iPhone Safari",
  "user_agent_string": "mozilla/5.0 (iphone; cpu iphone os 18_5 like mac os x) applewebkit/605.1.15 (khtml, like gecko) version/18.5 mobile/15e148 safari/604.1",
  "timestamp": "1748969962",
  "signature": "2d769f308b56722c61f6d8097f276f00a01b84ff38cb9a434052d65775008bb8"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"80080175585",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-03 09:59:22 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"80080175585",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-03 09:59:22 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Credit Card Payment

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "424201514462",
  "site_order_identifier": "773090000",
  "site_customer_identifier": "773090000",
  "version": "3.0",
  "payment_amount": "504.99",
  "payment_currency": "USD",
  "payment_date": "1748985109",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "500.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "500.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "credit",
  "payment_method_identifier": "4ef5f06728d83",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Credit",
  "payment_card_last4": "6021",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1748985110",
  "signature": "45ca427dbafc5cf0b0ad712fa179f6e33666b235cb589128a6f4918ca02ebfa0"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "171895551724",
  "site_order_identifier": "979520000",
  "site_customer_identifier": "979520000",
  "version": "3.0",
  "payment_amount": "154.99",
  "payment_currency": "USD",
  "payment_date": "1749132297",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "150.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "150.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "credit",
  "payment_method_identifier": "603e8eace9007",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Credit",
  "payment_card_last4": "4052",
  "pnm_schedule_identifier": "844612084812094",
  "next_payment_date": "2025-06-05",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132297",
  "signature": "7c6dd9b382a15ad932dafd27905fcd99a81f4f3f130999f12f96767ac962dab7"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "698845967498",
  "site_order_identifier": "979520000",
  "site_customer_identifier": "979520000",
  "version": "3.0",
  "payment_amount": "204.99",
  "payment_currency": "USD",
  "payment_date": "1749132297",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "200.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "200.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "credit",
  "payment_method_identifier": "603e8eace9007",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Credit",
  "payment_card_last4": "4052",
  "pnm_schedule_identifier": "099370258065603",
  "next_payment_date": "2025-06-12",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132297",
  "signature": "5ac7f2c9bb1738bcf8ed926ad480bea1258ee5aa2e855aced5fdb3f93e2bd015"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-03 14:11:50 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-03 14:11:50 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Debit Card Payment

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "267675328631",
  "site_order_identifier": "773090000",
  "site_customer_identifier": "773090000",
  "version": "3.0",
  "payment_amount": "204.99",
  "payment_currency": "USD",
  "payment_date": "1748985491",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "200.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "200.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "ea5583ec9e0fb",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Debit",
  "payment_card_last4": "5063",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1748985491",
  "signature": "1775ba826f44c54a000b6a2868a46ef993b2f4367a00f3ac986b4d026e59ca53"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "813985916350",
  "site_order_identifier": "773090000",
  "site_customer_identifier": "773090000",
  "version": "3.0",
  "payment_amount": "54.99",
  "payment_currency": "USD",
  "payment_date": "1749045780",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "50.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "50.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "ea5583ec9e0fb",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Debit",
  "payment_card_last4": "5063",
  "pnm_schedule_identifier": "727205929264803",
  "next_payment_date": "2025-06-04",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749045780",
  "signature": "17572ffc1344dcefbdd9960dfd09300e1e642613fa8cff6d456297475305d7ba"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "623997296776",
  "site_order_identifier": "773090000",
  "site_customer_identifier": "773090000",
  "version": "3.0",
  "payment_amount": "200.00",
  "payment_currency": "USD",
  "payment_date": "1749045780",
  "net_payment_amount": "200.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "2.00",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "198.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "ea5583ec9e0fb",
  "site_identifier": "S2155373459",
  "payment_card_type": "Test Card Debit",
  "payment_card_last4": "5063",
  "pnm_schedule_identifier": "679276312339440",
  "next_payment_date": "2025-07-04",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749045780",
  "signature": "8706543471503819e384d50b90eeb24590aa3dd5be9c4da61765bf699a769fb1"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-03 14:18:11 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-03 14:18:11 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

ACH Payment

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "745952649931",
  "site_order_identifier": "773090000",
  "site_customer_identifier": "773090000",
  "version": "3.0",
  "payment_amount": "100.50",
  "payment_currency": "USD",
  "payment_date": "1749067230",
  "pnm_processing_fee": "0.50",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "0.50",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "ach",
  "payment_method_identifier": "15bcb90418b15",
  "site_identifier": "S2155373459",
  "payment_bank_name": "Southwest Missouri Bank",
  "payment_bank_last4": "5210",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749067230",
  "signature": "a5b786d11c825be07f9fb718d1897277b0c3a3330e7cc8bbd83760ab3386d95c"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "538749866669",
  "site_customer_identifier": "123456789",
  "version": "3.0",
  "payment_amount": "50.50",
  "payment_currency": "USD",
  "payment_date": "1749132254",
  "pnm_processing_fee": "0.50",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "50.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "0.50",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "50.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "ach",
  "payment_method_identifier": "e104794b2b813",
  "site_identifier": "S2155373459",
  "payment_bank_name": "Central Bank Kansas City",
  "payment_bank_last4": "8412",
  "pnm_schedule_identifier": "875662277447969",
  "next_payment_date": "2025-06-05",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132254",
  "signature": "73fc5001e0bb5d7d5dcf83691813718153cc90b2283863ab81e1ca853b0c374b"
}

{
  "pnm_order_identifier": "85378713665",
  "pnm_payment_identifier": "339853935846",
  "site_customer_identifier": "123456789",
  "version": "3.0",
  "payment_amount": "200.00",
  "payment_currency": "USD",
  "payment_date": "1749132254",
  "pnm_processing_fee": "0.50",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "199.50",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "0.50",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "199.50",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "ach",
  "payment_method_identifier": "051a34ac474a0",
  "site_identifier": "S2155373459",
  "payment_bank_name": "State Bank of Toulon",
  "payment_bank_last4": "4862",
  "pnm_schedule_identifier": "447659807175164",
  "next_payment_date": "2025-07-05",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132255",
  "signature": "40812577d877093feb29eed3d317475535462cac480656a12bf1bb2cf408b3d1"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-04 13:00:30 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"85378713665",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-04 13:00:30 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Apple Pay Payment

{
  "pnm_order_identifier": "87310711867",
  "pnm_payment_identifier": "585661820303",
  "site_order_identifier": "161440000",
  "site_customer_identifier": "161440000",
  "version": "3.0",
  "payment_amount": "104.99",
  "payment_currency": "USD",
  "payment_date": "1749071754",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "84794e88a9e5d",
  "site_identifier": "S2155373459",
  "payment_card_type": "Debit (Apple Pay)",
  "payment_card_last4": "4667",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749071755",
  "signature": "0f71bacef5e7cfcc2ea021815872372f21179bcb3e608260ac61b7c8c2b1f8aa"
}

{
  "pnm_order_identifier": "87310711867",
  "pnm_payment_identifier": "575092248750",
  "site_order_identifier": "161440000",
  "site_customer_identifier": "161440000",
  "version": "3.0",
  "payment_amount": "154.99",
  "payment_currency": "USD",
  "payment_date": "1749132299",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "150.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "150.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "646133f77d702",
  "site_identifier": "S2155373459",
  "payment_card_type": "Debit (Apple Pay)",
  "payment_card_last4": "4667",
  "pnm_schedule_identifier": "205877632575827",
  "next_payment_date": "2025-06-05",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132299",
  "signature": "47aa373c54bd610e7b20957d2bb31e1deaf8b89cb8471b9e6a62bbd15fa64564"
}

{
  "pnm_order_identifier": "87310711867",
  "pnm_payment_identifier": "268999768871",
  "site_order_identifier": "161440000",
  "site_customer_identifier": "161440000",
  "version": "3.0",
  "payment_amount": "104.99",
  "payment_currency": "USD",
  "payment_date": "1749305003",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "debit",
  "payment_method_identifier": "84794e88a9e5d",
  "site_identifier": "S2155373459",
  "payment_card_type": "Debit (Apple Pay)",
  "payment_card_last4": "4667",
  "pnm_schedule_identifier": "872863854023679",
  "next_payment_date": "2025-07-07",
  "site_channel": "agent_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "agent_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749305004",
  "signature": "ff8e1644439e75b66015bb56f6985e8a4474af1e7b75a1489333ced93e191ec4"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"87310711867",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-04 14:15:55 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"87310711867",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-04 14:15:55 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Google Pay Payment

{
  "pnm_order_identifier": "84043928187",
  "pnm_payment_identifier": "299649994240",
  "site_order_identifier": "1352376062",
  "site_customer_identifier": "750740000",
  "version": "3.0",
  "payment_amount": "51.99",
  "payment_currency": "USD",
  "payment_date": "1749072941",
  "pnm_processing_fee": "1.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "50.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "1.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "50.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM758419459",
  "payment_type": "debit",
  "payment_method_identifier": "bfd299ffd0454",
  "site_identifier": "S3711063247",
  "payment_card_type": "Google Pay",
  "payment_card_last4": "1112",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749072942",
  "signature": "9b557f89e7014181a13e171fc28a58f89e5b9b94aba7321640ba7ccf3363d318"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84043928187",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-04 14:35:42 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84043928187",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-04 14:35:42 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

PayPal Payment

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "709480686127",
  "site_order_identifier": "511650000",
  "site_customer_identifier": "511650000",
  "version": "3.0",
  "payment_amount": "54.99",
  "payment_currency": "USD",
  "payment_date": "1749157355",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "50.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "50.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "paypal",
  "payment_method_identifier": "d511755e6c870",
  "site_identifier": "S2155373459",
  "payment_card_type": "PayPal",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749157356",
  "signature": "d532d34e97918d5e9dc76a4c6252c1f8a2d3f3bd7088d8afabbc2f7d6eb771a1"
}

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "500875204609",
  "site_order_identifier": "642090000",
  "site_customer_identifier": "642090000",
  "version": "3.0",
  "payment_amount": "102.99",
  "payment_currency": "USD",
  "payment_date": "1749160141",
  "pnm_processing_fee": "2.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "2.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM397064850",
  "payment_type": "paypal",
  "payment_method_identifier": "5be32087aff90",
  "site_identifier": "S2411573363",
  "payment_card_type": "PayPal",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749160141",
  "signature": "39707e6d9eb679cde87fc749509eb328e5912ee36b00dbb9a57cecb4e18fe110"
}

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "994839595538",
  "site_order_identifier": "642090000",
  "site_customer_identifier": "642090000",
  "version": "3.0",
  "payment_amount": "502.99",
  "payment_currency": "USD",
  "payment_date": "1749218645",
  "pnm_processing_fee": "2.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "500.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "2.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "500.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM397064850",
  "payment_type": "paypal",
  "payment_method_identifier": "5be32087aff90",
  "site_identifier": "S2411573363",
  "payment_card_type": "PayPal",
  "pnm_schedule_identifier": "059739203379374",
  "next_payment_date": "2025-07-06",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749218645",
  "signature": "c958c9ef5e5ffd01f474ed4f86bf72b7da57ea7b386718481165a7c409b80754"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-05 14:02:36 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-05 14:02:36 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Venmo Payment

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "232530385484",
  "site_order_identifier": "511650000",
  "site_customer_identifier": "511650000",
  "version": "3.0",
  "payment_amount": "204.99",
  "payment_currency": "USD",
  "payment_date": "1749157986",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "200.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "200.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "paypal",
  "payment_method_identifier": "f8fc7abad70ba",
  "site_identifier": "S2155373459",
  "payment_card_type": "Venmo",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749157987",
  "signature": "9c0a451c570d9f2da55c2cd1dedaccd84960b96bcd8d6517a71b52e6cf46766c"
}

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "393152039789",
  "site_order_identifier": "161440000",
  "site_customer_identifier": "161440000",
  "version": "3.0",
  "payment_amount": "54.99",
  "payment_currency": "USD",
  "payment_date": "1749132298",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "50.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "50.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "paypal",
  "payment_method_identifier": "cd63cdf47e2f5",
  "site_identifier": "S2155373459",
  "payment_card_type": "Venmo",
  "pnm_schedule_identifier": "179492343786249",
  "next_payment_date": "2025-06-05",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132298",
  "signature": "cd9aa69ecc905091304d3f1074cb558acac1dc1e4f65abc6f39f3e33b6c75290"
}

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "943309856024",
  "site_order_identifier": "161440000",
  "site_customer_identifier": "161440000",
  "version": "3.0",
  "payment_amount": "104.99",
  "payment_currency": "USD",
  "payment_date": "1749132297",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "paypal",
  "payment_method_identifier": "cd63cdf47e2f5",
  "site_identifier": "S2155373459",
  "payment_card_type": "Venmo",
  "pnm_schedule_identifier": "606463591255837",
  "next_payment_date": "2025-07-05",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749132297",
  "signature": "a1ef7e188c7456968b16a5390a989c6adad6d880efd95c406d7b564aa12fbdfd"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-05 14:13:07 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-05 14:13:07 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Cash App Payment

{
  "pnm_order_identifier": "84488215678",
  "pnm_payment_identifier": "564894820060",
  "site_order_identifier": "511650000",
  "site_customer_identifier": "511650000",
  "version": "3.0",
  "payment_amount": "154.99",
  "payment_currency": "USD",
  "payment_date": "1749157461",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "150.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "150.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM736220738",
  "payment_type": "cash_app",
  "payment_method_identifier": "264073c55a58f",
  "site_identifier": "S2155373459",
  "payment_card_type": "Cash App Pay",
  "site_channel": "consumer",
  "pricing_schedule_name": "consumer",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749157461",
  "signature": "347b446ce0bdcf9a01b879033e489f203ef8bfb040fd2f1aa66299737919880c"
}

{
  "pnm_order_identifier": "82848710625",
  "pnm_payment_identifier": "864234705990",
  "site_order_identifier": "3650852138",
  "site_customer_identifier": "973140000",
  "version": "3.0",
  "payment_amount": "204.99",
  "payment_currency": "USD",
  "payment_date": "1749218649",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "200.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "200.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM162045799",
  "payment_type": "cash_app",
  "payment_method_identifier": "d68322e102a27",
  "site_identifier": "S1733026124",
  "payment_card_type": "Cash App Pay",
  "payment_card_last4": "$CASHTAG_C_TOKEN",
  "pnm_schedule_identifier": "556658294127286",
  "next_payment_date": "2025-06-06",
  "site_channel": "consumer",
  "site_subchannel": "scheduled_one_time",
  "pricing_schedule_name": "consumer",
  "user_device": "mobile",
  "user_environment": "iPhone Safari",
  "user_agent_string": "mozilla/5.0 (iphone; cpu iphone os 18_5 like mac os x) applewebkit/605.1.15 (khtml, like gecko) version/18.5 mobile/15e148 safari/604.1",
  "timestamp": "1749218649",
  "signature": "a180ddd5f832957678f5c4c639b9e6a9cd3c272e780e28a19e311a3082763e5c"
}

{
  "pnm_order_identifier": "84967305885",
  "pnm_payment_identifier": "238182757599",
  "site_order_identifier": "9880023184",
  "site_customer_identifier": "719630000",
  "version": "3.0",
  "payment_amount": "104.99",
  "payment_currency": "USD",
  "payment_date": "1749218647",
  "pnm_processing_fee": "4.99",
  "pnm_processing_fee_currency": "USD",
  "net_payment_amount": "100.00",
  "net_payment_currency": "USD",
  "pnm_withheld_amount": "4.99",
  "pnm_withheld_currency": "USD",
  "due_to_site_amount": "100.00",
  "due_to_site_currency": "USD",
  "settlement_method": "SM162045799",
  "payment_type": "cash_app",
  "payment_method_identifier": "d0951361074ba",
  "site_identifier": "S1733026124",
  "payment_card_type": "Cash App Pay",
  "payment_card_last4": "$CASHTAG_C_TOKEN",
  "pnm_schedule_identifier": "341780098374490",
  "next_payment_date": "2025-06-13",
  "site_channel": "consumer_recurring",
  "site_subchannel": "scheduled_recurring",
  "pricing_schedule_name": "consumer_recurring",
  "user_device": "desktop",
  "user_environment": "Windows Chrome",
  "user_agent_string": "mozilla/5.0 (windows nt 10.0; win64; x64) applewebkit/537.36 (khtml, like gecko) chrome/137.0.0.0 safari/537.36",
  "timestamp": "1749218647",
  "signature": "6f18a564c62782d627c2d2a0474e6149b7fc0529097a2c2b7424ca934642f786"
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"yes",
			"receipt":"^This is the receipt<br>^<pnm_payee_name><br>Payment = <pnm_payment /><br>Balance Due = <pnm_balance_due /><br>Fee = <pnm_fee /><br>Net Payment = <pnm_net /><br>Min Payment + Fee = <pnm_minimum /><br>Min Payment Fee = <pnm_minimum_fee /><br>Min Payment Net = <pnm_minimum_net />",
			"memo":"2025-06-05 14:04:22 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

{
	"payment_authorization_response": {
		"version":"3.0",
		"authorization": {
			"pnm_order_identifier":"84488215678",
			"accept_payment":"no",
			"decline_reason":"Account Suspended",
			"receipt":"^Payments cannot be made at this time.<br>^Please call Customer Service at 555-555-5555.",
			"memo":"2025-06-05 14:04:22 -0700",
			"site_payment_identifier":"SPI-123"
		}
	}
}

Using Authorization Callbacks

Available Customizations

Request Parameters

Response Parameters

🚧
Velocity Limits

Code Samples

Cash Payment

Credit Card Payment

Debit Card Payment

ACH Payment

Apple Pay Payment

Google Pay Payment

PayPal Payment

Venmo Payment

Cash App Payment

Available Customizations

Request Parameters

Response Parameters

🚧Velocity Limits

Code Samples

Cash Payment

Credit Card Payment

Debit Card Payment

ACH Payment

Apple Pay Payment

Google Pay Payment

PayPal Payment

Venmo Payment

Cash App Payment

🚧
Velocity Limits