---
title: "CardPayment"
method: POST
path: "/payhost/card-payment"
tags: ["Payments"]
---

# CardPayment

`POST /payhost/card-payment`

The `CardPaymentRequest` allows you to process **direct card** transactions using a Host-to-Host integration. This request includes card details (PAN, expiry, CVV) and order information submitted securely to PayGate. If 3D Secure is required, PayGate automatically handles the challenge flow via MPI and returns a `Redirect` response.

A `Completed` status indicates that the transaction was successfully authorised.  
In some cases, if 3D Secure authentication is required, the response will include a block. Redirect the customer using these details to complete the challenge flow.  
Include `NotifyUrl` to receive server-to-server (webhook) confirmation, and ensure your system replies with `OK`.

**Runtime endpoint:** `POST https://secure.paygate.co.za/payhost/process.trans`

## Headers

- `Content-Type` string, required
- `SOAPAction` string

## Response `200`

SOAP response returned by PayHost.

---

[API](https://skmtc.net/paygate/apis/payweb3.md) · [All operations](https://skmtc.net/paygate/apis/payweb3/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/paygate/payweb3/revisions/e047616c029c/schema)