> ## Documentation Index > Fetch the complete documentation index at: https://docs.plugtopay.com/llms.txt > Use this file to discover all available pages before exploring further. # Process a card payment > Receives a payment payload and routes it through the Orchestrator Smart Routing system. ## OpenAPI ````yaml /api-reference/openapi.json post /api/v1/payments/card openapi: 3.0.0 info: title: PlugToPay API description: API to make payments easy in multiple gateways. version: 1.0.0 servers: - url: http://localhost:7701 description: Test Server security: [] paths: /api/v1/payments/card: post: tags: - Payments summary: Process a card payment description: >- Receives a payment payload and routes it through the Orchestrator Smart Routing system. operationId: 4bf65d67124d9307fdc245ece42bdf4a parameters: - $ref: '#/components/parameters/XClientId' requestBody: required: true content: application/json: schema: required: - merchant_order_id - amount - currency - payment_method - customer properties: merchant_order_id: description: Your internal order reference (1–100 chars). type: string example: ORD-2026-12345 amount: description: Amount in cents (R$1,00 minimum = 100) type: integer example: 15000 currency: description: 3-letter ISO currency code. type: string example: BRL payment_method: type: string enum: - card - pix - billet example: card gateway_first_try: description: >- Gateway slug to attempt first. Falls back to routing rules if not set or gateway not enabled. type: string enum: - pagarme - picpay - safe2pay - pagbank - stripe - asaas - erede example: pagarme nullable: true customer: description: >- Identify by token (existing customer) or by name + email + document (new customer). properties: token: description: >- Existing customer token. Mutually exclusive with name/email/document. type: string example: cus_token_abc123 nullable: true name: description: Required when no customer token. type: string example: John Doe email: description: Required when no customer token. type: string example: john.doe@example.com document: description: >- CPF (11 digits) or CNPJ (14 digits). Optional when token is provided. type: string example: '12345678909' phone: description: DDD + 9-digit mobile number. type: string example: '11912345678' nullable: true type: object card: description: >- Required when payment_method is card. Provide either token or raw card fields. properties: token: description: >- Internal vault card token. When provided, raw card fields are not required. type: string example: card_tok_xyz nullable: true number: description: Required without token. type: string example: '4111111111111111' cvv: description: Required without token. type: string example: '123' expiration_month: description: MM format (01–12). Required without token. type: string example: '12' expiration_year: description: YYYY format. Required without token. type: string example: '2028' holder: description: Cardholder name as printed. Required without token. type: string example: JOHN DOE holder_document: description: Cardholder CPF/CNPJ. Required without token. type: string example: '12345678909' holder_birthdate: description: YYYY-MM-DD. Required without token. type: string example: '1990-05-20' holder_phone: description: DDD + 9-digit mobile. Required without token. type: string example: '11912345678' installments: description: 1–12. Required without token. type: integer example: 1 save_card: description: >- When true, card is stored in the vault for future charges. type: boolean example: false type: object nullable: true billing_address: description: Required when no card.token is provided. properties: street: type: string example: Rua das Flores number: type: string example: '123' neighborhood: type: string example: Centro zip_code: description: 8 digits, numbers only. type: string example: '01310100' city: type: string example: São Paulo state: description: 2-letter state code. type: string example: SP country: type: string example: BR type: object nullable: true splits: description: >- Optional split rules. Each entry directs a portion of the amount to a sub-account. type: array items: required: - subaccount_id - amount properties: subaccount_id: type: string example: sub_abc123 amount: description: Amount in cents to split to this sub-account. type: integer example: 5000 type: object nullable: true type: object responses: '201': description: Payment processed successfully content: application/json: schema: properties: status: type: string enum: - approved - failed - pending example: approved transaction_id: type: string example: 01hvxyz... amount: type: integer example: 15000 message: type: string example: Payment approved. attempts: type: integer example: 1 payment_method: type: string example: card merchant_order_id: type: string example: ORD-2026-12345 nullable: true idempotency_key: type: string example: order-abc-123 nullable: true plugtopay_request_time: type: string example: 0.05s nullable: true total_request_time: type: string example: 0.8s nullable: true gateways_request_time: type: string example: 0.75s nullable: true created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true transactions: type: array items: type: object customer: type: object nullable: true webhook: type: object nullable: true card: description: >- Present when payment_method is card and status is not processing. properties: response_code: type: string nullable: true soft_descriptor: type: string nullable: true authorization_nsu: type: string nullable: true gateway_message: type: string nullable: true type: object nullable: true type: object '202': description: >- Accepted — gateway did not respond within the configured timeout, processing continues in background content: application/json: schema: properties: status: type: string example: processing transaction_id: type: string example: 01hvxyz... nullable: true amount: type: integer example: 15000 nullable: true message: type: string example: >- The payment is being processed, a webhook will be sent to you later. type: object '401': description: Unauthorized — Invalid API Key '422': description: Validation Error '500': description: Gateway or internal error security: - ApiKeyAuth: [] components: parameters: XClientId: name: x-client-id in: header description: Client identifier for the company in the request. required: true schema: type: string example: client_abc123 securitySchemes: ApiKeyAuth: type: apiKey description: Company API key. Send in the X-API-Key header. name: X-API-Key in: header ````