Once the zip checkout flow has redirected the customer to your previously defined "redirect_uri", that page should consume the the state of the checkout to determine if it has been approved, referred or declined. If the checkout has been approved, this page should then proceed to charge the customer.

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Note
The /charges API call to complete the payment authorisation must be made within 15 minutes once a checkout has been approved. Checkouts will expire if not completed within this timeframe.

Useful notes

Metadata set at the checkout will be returned in the response of this call.

If you don’t have server-side sessions you can use GET /checkouts/{checkoutId} to get the amount and currency to capture. The checkoutId should be in the query string.

You cannot charge more than the amount that was originally agreed upon within the checkout flow by the customer.

Remember that if you want to immediately transfer the funds from the customer to the merchant account, to set capture=true. If you want only to authorise the transaction (and ring-fence the funds in the customer account so that they cannot be used for other transactions) then set capture=false. If you set capture=false you will need to make a later call to /charges/{id}/capture or /charges/{id}/cancel to either capture (and transfer) the funds or to cancel the auth (This functionality is available for AU transactions only at present)

Regardless of whether you passed order.id in to checkout you can ensure the merchant order id is updated to the correct/latest order id by passing it in to this call. It will overwrite anything passed in to /checkouts

The "redirect_uri" must have been followed and the checkout approved before a charge can be authorised using a particular "checkout_id".

The reference number for each charge must be unique, be sure to modify the below example request with your merchant reference number in the request JSON under order.reference.

A successful charge request will return state="Approved", or state="Captured" or state="Authorised". This indicates that the payment has been completed.

The Charges Response

amount DOUBLE

Amount of this charge. This is the amount that will be transferred (if capture=true) from customer to merchant account or ring-fenced if capture=false.
captured_amount DOUBLE

Total amount captured for this charge.
created_date STRING

The date on which the charge was created
currency STRING

Transaction currency. Accepted values are AUD NZD USD CAD
id STRING

Transaction ID
product STRING

Zip product name
interest_free_months INTEGER

Interest free period applied to a transaction in months
receipt_number DOUBLE

Transactoin receipt number
refunded_amount DOUBLE

Total amount refunded for this charge
state STRING

A successful state of the charge is approved captured or authorised(For deferred payments)

Ensure your system accepts approved captured or authorised as valid responses
customer.id STRING

Unique customer identifier
customer.first_name STRING

Customer's first name
customer.last_name STRING

Customer's last name
customer.email STRING

Customer's email address
customer_contribution BOOLEAN

Specifies if the Zip consumer contribution is enabled for a merchant account

Note: This functionality is only available for US merchants. False value is returned for AU and NZ transactions.

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