Create Charge

Create a customer-present or merchant-initiated charge

Create Charge

POST /api/v1/payments/charges

Use this endpoint to create:

• customer-present setup charges with capture_mode: customer_action_required
• follow-on recurring charges with capture_mode: merchant_initiated

Core request fields:

• amount_minor
• currency
• reference
• customer_id
• payment_token_id for saved-method charges
• capture_mode
• idempotency_key

For recurring billing, do not jump straight to merchant_initiated. First create and verify a customer-present setup charge so the reusable authorization is bound to the token.

See Payments Overview and Accepting Payments for the full reviewed flow.