Tokenization — Direct Charge

Charge a customer on a defined schedule using a saved sourceId from a completed tokenization flow. No OTP is required for direct charges.

Applies to: Easypaisa · JazzCash

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Endpoint

Method	POST
Path	/v2/wallets/transaction/direct-payment
Sandbox	https://sandbox.simpaisa.com/v2/wallets/transaction/direct-payment
Production	https://payin.simpaisa.com/v2/wallets/transaction/direct-payment

---

Headers

Header	Required	Description
Content-Type	Yes	application/json
mode	Yes	payin
region	Yes	PK
operatorId	Yes	100007 (Easypaisa) or 100008 (JazzCash)
version	Yes	3.0

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Prerequisites

• Customer completed initial tokenization (Easypaisa Verify or JazzCash Finalize)
• Valid sourceId (SP token) was returned and stored
• Customer approved the initial charge via wallet app or flash message

warning

Direct Charge cannot run without a sourceId. If the customer was delinked, they must complete the tokenization flow again.

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Request Body

Parameter	Type	Required	Length	Description
merchantId	String	Yes	07	Simpaisa-assigned merchant ID
operatorId	String	Yes	06	100007 or 100008
transactionType	String	Yes	01	8 = tokenized charge
amount	String	Yes	—	Amount to charge
userKey	String	Yes	—	Your unique order reference for this charge
sourceId	String	Yes	—	SP token from tokenization
platform	String	No	1	Set to 3 to route charge/refund IPNs to separate webhook endpoints

---

Response Body

Parameter	Description
status	Response code
message	Human-readable status
operatorId	Payment channel ID
merchantId	Your merchant ID
sourceId	Echo of the SP token
transactionId	Simpaisa transaction ID for this charge

---

CURL

curl --location 'https://sandbox.simpaisa.com/v2/wallets/transaction/direct-payment' \
  --header 'Content-Type: application/json' \
  --header 'mode: payin' \
  --header 'region: PK' \
  --header 'operatorId: 100007' \
  --header 'version: 3.0' \
  --data '{
    "merchantId": "xxxx",
    "operatorId": "100007",
    "transactionType": "8",
    "amount": "100",
    "userKey": "xxxxxxx",
    "sourceId": "sp_xxxxxxxxxxxxxxxx"
  }'

---

Samples

Request

{
  "merchantId": "xxxx",
  "operatorId": "100007",
  "transactionType": "8",
  "amount": "100",
  "userKey": "xxxxxxx",
  "sourceId": "sp_xxxxxxxxxxxxxxxx"
}

Successful response

{
  "status": "0000",
  "message": "Success",
  "operatorId": "100007",
  "merchantId": "xxxxxxxx",
  "sourceId": "sp_xxxxxxxxxxxxxxxx",
  "transactionId": "xxxxxxxxx"
}

With platform Parameter

{
  "merchantId": "xxxx",
  "operatorId": "100008",
  "transactionType": "8",
  "amount": "100",
  "userKey": "xxxxxxx",
  "sourceId": "sp_xxxxxxxxxxxxxxxx",
  "platform": "3"
}