# Accept a Payment
import { Aside, Tabs, TabItem } from '@astrojs/starlight/components';
## Overview
This guide covers single payments over SumUp API, using customer-entered card details without associating it with a specific customer saved for the merchant user's account. Ideal for quick checkout processing if you don't want to use our [Payment Widget](/online-payments/checkouts/card-widget).
You will go through the following steps:
1. [Create a checkout](#1-create-a-checkout)
2. [Complete a checkout](#2-complete-a-checkout)
When you complete these steps, you will have processed a payment with a payment card entered by a customer.
## Prerequisites
- [SumUp merchant account](https://me.sumup.com/login) with completed [account details](https://me.sumup.com/account).
- You can also use a [sandbox merchant account](/online-payments/#getting-a-sandbox-merchant-account).
- [Registered client application](/tools/authorization/oauth/#register-an-oauth-application) with SumUp.
- Valid access token obtained either with the [Authorization code flow](/tools/authorization/oauth/#authorization-code-flow) or [Client credentials flow](/tools/authorization/oauth/#client-credentials-flow).
## Steps
### 1. Create a Checkout
To create a new checkout resource, make a POST request to the `https://api.sumup.com/v0.1/checkouts` endpoint.
| Attribute name | Description |
| ------------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| checkout_reference | A unique string identifying the payment in your system. It must be unique for your application. |
| amount | The amount for which the payment is made. |
| currency | The three-letter [ISO4217](https://en.wikipedia.org/wiki/ISO_4217) code of the payment currency. It must match the currency registered for the specified merchant (see `merchant_code`). |
| merchant_code | The code of the registered SumUp merchant the payment is made. |
Example request:
```bash
curl -X POST \
https://api.sumup.com/v0.1/checkouts \
-H "Authorization: Bearer $SUMUP_API_KEY" \
-H 'Content-Type: application/json' \
-d '{
"merchant_code": "ME7RMQN3",
"amount": 15.0,
"currency": "EUR",
"checkout_reference": "unique-checkout-ref-123"
}'
```
```ts
const checkout = await client.checkouts.create({
merchant_code: merchantCode,
amount: 15.0,
currency: "EUR",
checkout_reference: "unique-checkout-ref-123"
});
```
```csharp
var checkout = await client.Checkouts.CreateAsync(new CheckoutCreateRequest
{
MerchantCode = merchantCode,
Amount = 15.0f,
Currency = Currency.Eur,
CheckoutReference = "unique-checkout-ref-123",
});
```
```java
var checkout = client.checkouts().createCheckout(
CheckoutCreateRequest.builder()
.merchantCode(merchantCode)
.amount(15.0f)
.currency(Currency.EUR)
.checkoutReference("unique-checkout-ref-123")
.build()
);
```
```go
checkout, err := client.Checkouts.Create(ctx, sumup.CheckoutsCreateParams{
MerchantCode: merchantCode,
Amount: 15.0,
Currency: sumup.CurrencyEUR,
CheckoutReference: "unique-checkout-ref-123",
})
```
```py
checkout = client.checkouts.create(
CreateCheckoutBody(
merchant_code=merchant_code,
amount=15.00,
currency="EUR",
checkout_reference="unique-checkout-ref-123",
)
)
```
```rust
let checkout = client.checkouts().create(Some(CheckoutCreateRequest {
merchant_code,
amount: 15.,
currency: Currency::EUR,
checkout_reference: "unique-checkout-ref-123".into(),
description: None,
return_url: None,
customer_id: None,
purpose: None,
id: None,
status: None,
date: None,
valid_until: None,
transactions: None,
redirect_url: None,
})).await?;
```
```php
$checkout = $sumup->checkouts->create([
'merchant_code' => $merchantCode,
'amount' => 15.0,
'currency' => 'EUR',
'checkout_reference' => 'unique-checkout-ref-123',
]);
```
The response contains a JSON body with the details of the created checkout resource. Note the identifier of the resource - you will need it for all operations on the resource, such as processing the payment in the next step.
The resource identifier is returned in the `id` attribute, or `f14425c6-8bc1-4d02-957c-47573f762828` in the sample response below. The `status` attribute shows that the payment for this resource is pending and will be processed when you complete the checkout with the payment instrument details.
```json
{
"checkout_reference": "CO746453",
"amount": 10,
"currency": "EUR",
"merchant_code": "ME7RMQN3",
"description": "Sample one-time payment",
"id": "f14425c6-8bc1-4d02-957c-47573f762828",
"status": "PENDING",
"date": "2018-09-28T13:47:01.832Z",
"transactions": []
}
```
### 2. Complete a Checkout
To process the checkout and trigger the payment, make a PUT request to the `https://api.sumup.com/v0.1/checkouts/{id}` endpoint, where the value of the `{id}` path parameter is the identifier of the checkout resource.
The request body should be a JSON object with the payment type (`card`) and the payment card details. For more information about the request, see the [API Reference](/api/checkouts/process).
Example request for [Step 1 checkout](#1-create-a-checkout):
```bash
curl -X PUT \
https://api.sumup.com/v0.1/checkouts/f14425c6-8bc1-4d02-957c-47573f762828 \
-H "Authorization: Bearer $SUMUP_API_KEY" \
-H 'Content-Type: application/json' \
-d '{
"payment_type": "card",
"card": {
"name": "Boaty McBoatface",
"number": "4200000000000042",
"expiry_month": "12",
"expiry_year": "23",
"cvv": "123"
}
}'
```
```ts
const checkout = await client.checkouts.process("f14425c6-8bc1-4d02-957c-47573f762828", {
payment_type: "card",
card: {
name: "Boaty McBoatface",
number: "4200000000000042",
expiry_month: "12",
expiry_year: "23",
cvv: "123",
},
});
```
```csharp
var checkout = await client.Checkouts.ProcessAsync(
"f14425c6-8bc1-4d02-957c-47573f762828",
new ProcessCheckout
{
PaymentType = "card",
Card = new Card
{
Name = "Boaty McBoatface",
Number = "4200000000000042",
ExpiryMonth = "12",
ExpiryYear = "23",
Cvv = "123",
Last4Digits = "0042",
Type = CardType.Visa,
},
});
```
```java
var checkout = client.checkouts().processCheckout(
"f14425c6-8bc1-4d02-957c-47573f762828",
ProcessCheckout.builder()
.paymentType(ProcessCheckoutPaymentType.CARD)
.card(
Card.builder()
.name("Boaty McBoatface")
.number("4200000000000042")
.expiryMonth(CardExpiryMonth.fromValue("12"))
.expiryYear("23")
.cvv("123")
.build()
)
.build()
);
```
```go
checkoutSuccess, err := client.Checkouts.Process(ctx, "f14425c6-8bc1-4d02-957c-47573f762828", sumup.CheckoutsProcessParams{
Card: &sumup.Card{
Cvv: "123",
ExpiryMonth: "12",
ExpiryYear: "23",
Name: "Boaty McBoatface",
Number: "4200000000000042",
},
PaymentType: sumup.ProcessCheckoutPaymentTypeCard,
})
```
```py
from sumup.checkouts.resource import Card, ProcessCheckoutBody
checkout = client.checkouts.process(
"f14425c6-8bc1-4d02-957c-47573f762828",
ProcessCheckoutBody(
payment_type="card",
card=Card(
name="Boaty McBoatface",
number="4200000000000042",
expiry_month="12",
expiry_year="23",
cvv="123",
),
),
)
```
```rust
let checkout = client
.checkouts()
.process(
"f14425c6-8bc1-4d02-957c-47573f762828",
sumup::resources::checkouts::ProcessCheckout {
payment_type: "card".into(),
installments: None,
mandate: None,
customer_id: None,
token: None,
personal_details: None,
card: Some(sumup::resources::checkouts::Card {
name: "Boaty McBoatface".into(),
number: "4200000000000042".into(),
expiry_month: "12".into(),
expiry_year: "23".into(),
cvv: "123".into(),
zip_code: None,
last_4_digits: "0042".into(),
type_: "VISA".into(),
}),
},
)
.await?;
```
```php
$checkout = $sumup->checkouts->process(
'f14425c6-8bc1-4d02-957c-47573f762828',
[
'payment_type' => 'card',
'card' => [
'name' => 'Boaty McBoatface',
'number' => '4200000000000042',
'expiry_month' => '12',
'expiry_year' => '23',
'cvv' => '123',
],
]
);
```
The response contains a JSON body with the details of the processed checkout resource in which the attributes related to the payment outcome are populated:
```json
{
"checkout_reference": "CO746453",
"amount": 10.0,
"currency": "EUR",
"merchant_code": "ME7RMQN3",
"description": "Sample one-time payment",
"id": "f14425c6-8bc1-4d02-957c-47573f762828",
"status": "PAID",
"date": "2018-09-28T13:47:01.832Z",
"transaction_code": "TFDCP3FLQ7",
"transaction_id": "19aa3cca-89f6-42d2-b462-463b0b53e959",
"transactions": [
{
"id": "19aa3cca-89f6-42d2-b462-463b0b53e959",
"transaction_code": "TFDCP3FLQ7",
"merchant_code": "ME7RMQN3",
"amount": 10.0,
"vat_amount": 0.0,
"tip_amount": 0.0,
"currency": "EUR",
"timestamp": "2018-09-28T13:48:28.768Z",
"status": "SUCCESSFUL",
"payment_type": "ECOM",
"entry_mode": "CUSTOMER_ENTRY",
"installments_count": 1,
"auth_code": "585388",
"internal_id": 24118507
}
]
}
```
## Result
You have made a payment with a payment card entered by a customer without associating it with a specific customer saved for a merchant user's account. If the payment is successful, the funds will be transferred to the merchant user according to the configured account settings.