Last updated: 01 September 2026 | Change log

Use a stored card

Use a previously stored card to send a payments request. This is for Customer Initiated Transactions (CIT) only.

Additionally, to collect the CVC value, use the Checkout SDK to create a cvc session and maintain a low PCI burden.

The request must contain:

"customerAgreement": {
    "type": "cardOnFile",  // used to indicate the customer has agreed to storing their card (CIT)
    "storedCardUsage": "subsequent" // subsequent payment 
}

If PSD2/SCA or other regional mandates apply you should follow the steps for enabling 3DS

1. Integration type

Use a Worldpay Token or Network Token and optionally provide the CVC in the API or use our PCI-compliant Checkout SDK to create a cvc session.

2. Basic request

A one-off card payment using a plain card number

{
  "transactionReference": "Memory265-13/08/1876",
  "orderReference": "order-12345",
  "merchant": {
    "entity": "default"
  },
  "instruction": {
    "method": "card",
    "paymentInstrument": {
      "type": "plain",
      "cardHolderName": "Sherlock Holmes",
      "cardNumber": "4000000000001091",
      "expiryDate": {
        "month": 5,
        "year": 2035
      },
      "billingAddress": {
        "address1": "221B Baker Street",
        "address2": "Marylebone",
        "address3": "Westminster",
        "postalCode": "SW1 1AA",
        "city": "London",
        "state": "Greater London",
        "countryCode": "GB"
      },
      "cvc": "123"
    },
    "narrative": {
      "line1": "trading name"
    },
    "value": {
      "currency": "GBP",
      "amount": 42
    }
  }
}

View the full API Request schema

3. Add additional features

In most cases you will need to add some additional features such as 3DS, auto settlement or a risk assessment

3DS Authentication

Perform 3DS authentication for liability shift and/or SCA compliance. An issuer based risk assessment with identity check.

Enterprise

Worldpay eCommerce

SCA Exemptions

Ask for an SCA Exemption to be applied automatically.

Enterprise

Risk Assessment

We assess the payment for fraud before proceeding with authorization.

Enterprise

Worldpay eCommerce

Auto Settlement

Automatically settle a payment following the authorization.

Enterprise

Worldpay eCommerce

Account Funding Transactions (AFT)

Transfer funds from a card account to another destination, rather than for the provision of goods or services.

Enterprise

Financial Service (MCC 6012/6051)

For domestic Financial Services providers (MCC 6012) based in the Visa Europe Region, you must supply this additional data.

Enterprise

Latin America Installments

Fulfill a one-time installment charge, to allow the customer's acquirer bank collecting the payments over time.

Enterprise

Payment Facilitator

Facilitate transactions on behalf of your sub-merchants.

Enterprise

MOTO transactions

Take Mail Order/ Telephone Orders on behalf of your customers.

Enterprise

Worldpay eCommerce

Account Updater

Automatically update card details to prevent declines due to expired or changed cards.

Enterprise

Pay via AI Agent (Delegate Token)

OpenAI's instant checkout using Agentic Commerce Protocol (ACP)

Enterprise

4. Response

Features that change the API flow

Certain features add additional requests and responses:

3DS - you will receive a 201 - 3dsDeviceDataRequired as well as the possibility of an issuer challenge
FraudSight - you may receive a 201 - fraudHighRisk outcome, stopping the payment
Auto Settlement - automatic 202 - sentForSettlement following authorization.
- If any of the AVS/CVC response riskFactors are marked as notMatched the payment will be sentForCancellation automatically by default but can be disabled.

Response

Example of an authorized response. Use the action settlePayment to complete the transaction

{
  "outcome": "authorized",
  "paymentId": "payI-dUcet9fk4_X4qZU0hpU0",
  "commandId": "cmd026y9Ec-LjjCYkr4NgDvU0",
  "transactionReference": "Memory265-13/08/1876",
  "schemeReference": "060720116005060",
  "issuer": {
    "authorizationCode": "675725"
  },
  "riskFactors": [
    {
      "risk": "notChecked",
      "type": "cvc"
    },
    {
      "risk": "notChecked",
      "detail": "address",
      "type": "avs"
    },
    {
      "risk": "notChecked",
      "detail": "postcode",
      "type": "avs"
    }
  ],
  "paymentInstrument": {
    "type": "card/plain+masked",
    "cardBin": "400000",
    "lastFour": "1000",
    "countryCode": "GB",
    "expiryDate": {
      "year": 2035,
      "month": 5
    },
    "cardBrand": "mastercard",
    "fundingType": "debit",
    "category": "consumer",
    "issuerName": "BANK LIMITED",
    "paymentAccountReference": "3001DBT34Q41D6J7PFC5W0UACOT4C"
  },
  "_links": {
    "self": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D"
    }
  },
  "_actions": {
    "cancelPayment": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations",
      "method": "POST"
    },
    "partiallyCancelPayment": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/{linkData}/partialCancellations",
      "method": "POST"
    },
    "settlePayment": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/settlements",
      "method": "POST"
    },
    "partiallySettlePayment": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements",
      "method": "POST"
    },
    "reversePayment": {
      "href": "https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/reversals",
      "method": "POST"
    }
  }
}

View the full API Response schema

Sequence diagram

Using a previously stored card to make a payment

Use a stored card

1. Integration type

2. Basic request

View the full API Request schema

3. Add additional features

3DS Authentication

SCA Exemptions

Risk Assessment

Auto Settlement

Account Funding Transactions (AFT)

Financial Service (MCC 6012/6051)

Latin America Installments

Payment Facilitator

MOTO transactions

Account Updater

Pay via AI Agent (Delegate Token)

4. Response

View the full API Response schema

Sequence diagram

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