Standard Payments

Standard Payments

Learn how to accept online card payments with Epoint.

Basic Payment

use Epoint\Enums\Language;

$response = $client->payment()
    ->amount(100.50)
    ->orderId('ORDER-12345')
    ->description('Product purchase')
    ->language(Language::EN)
    ->send();

if ($response->isSuccess()) {
    header('Location: ' . $response->getRedirectUrl());
}

Required Parameters

Parameter	Type	Description	Example
amount()	float	Payment amount (min 0.01)	100.50
orderId()	string	Your unique order ID	'ORDER-12345'

Optional Parameters

Parameter	Type	Default	Description
description()	string	-	Payment description shown to customer
language()	Language	EN	Payment page language (AZ, EN, RU)
currency()	Currency	AZN	Payment currency
installment()	bool	false	Enable installment option
successUrl()	string	-	Success redirect URL
errorUrl()	string	-	Error redirect URL

Response Methods

All payment responses include these methods:

$response->isSuccess();        // Check if payment initiated
$response->isError();          // Check if error occurred
$response->getRedirectUrl();   // Get payment page URL
$response->getTransaction();   // Get transaction ID
$response->getMessage();       // Get response message
$response->getTraceId();       // Get trace ID for support
$response->toArray();          // Get full response data

Complete Example

<?php

use Epoint\EpointClient;
use Epoint\Enums\Language;
use Epoint\Enums\Currency;

$client = new EpointClient(
    publicKey: 'i000000001',
    privateKey: 'your-private-key'
);

$response = $client->payment()
    ->amount(150.00)
    ->orderId('ORDER-' . time())
    ->description('Electronics - Order #12345')
    ->language(Language::AZ)
    ->currency(Currency::AZN)
    ->installment(true)
    ->successUrl('https://example.com/payment/success')
    ->errorUrl('https://example.com/payment/error')
    ->send();

if ($response->isSuccess()) {
    $transaction = $response->getTransaction();

    // Store in database
    savePayment([
        'order_id' => 'ORDER-' . time(),
        'transaction' => $transaction,
        'amount' => 150.00,
        'status' => 'pending',
    ]);

    // Redirect to payment page
    header('Location: ' . $response->getRedirectUrl());
    exit;
} else {
    echo 'Error: ' . $response->getMessage();
    echo '<br>Trace ID: ' . $response->getTraceId();
}

Installment Payments

Allow customers to pay in installments:

$response = $client->payment()
    ->amount(500.00)
    ->orderId('ORDER-12346')
    ->installment(true)  // Customer can choose installment plan
    ->send();

When enabled, customers see installment options on the payment page (e.g., 3, 6, 12 months).

Installment with Selected Bank and Month

If you build your own checkout, get the active installment banks with paymentMethods() and send the customer's choice with installmentPayment():

use Epoint\Enums\PaymentMethod;

$methods = $client->paymentMethods()->language(Language::AZ)->get();

if ($methods->hasMethod(PaymentMethod::INSTALLMENT)) {
    foreach ($methods->getInstallmentBanks() as $bank) {
        // Show $bank['name'], $bank['bank'], $bank['image'] and $bank['months']
    }
}

$response = $client->installmentPayment()
    ->amount(120.00)                  // Must be >= getInstallmentMinAmount()
    ->orderId('ORDER-12347')
    ->installmentCardId(2)            // banks[].id
    ->installmentMonth(6)             // one of banks[].months
    ->send();

header('Location: ' . $response->getRedirectUrl());

Multi-Language Support

use Epoint\Enums\Language;

// Azerbaijani
$response = $client->payment()
    ->language(Language::AZ)
    ->send();

// English
$response = $client->payment()
    ->language(Language::EN)
    ->send();

// Russian
$response = $client->payment()
    ->language(Language::RU)
    ->send();

Error Handling

try {
    $response = $client->payment()
        ->amount(100)
        ->orderId('ORDER-12347')
        ->send();

    if ($response->isError()) {
        $message = $response->getMessage();
        $traceId = $response->getTraceId();

        error_log("Payment failed: {$message}. Trace ID: {$traceId}");

        // Show error to user
        echo "Payment initialization failed. Please try again.";
    }
} catch (\Exception $e) {
    error_log('Payment exception: ' . $e->getMessage());
    echo "An error occurred. Please contact support.";
}

Split Payments

Split payment amount between multiple merchants (e.g., marketplace platforms).

Standard Split Payment

$response = $client->splitPayment()
    ->amount(100.00)
    ->orderId('ORDER-12350')
    ->splitUser('i000000002')  // Second merchant ID
    ->splitAmount(30.00)       // Amount for second merchant
    ->description('Marketplace order')
    ->language(Language::EN)
    ->successUrl('https://example.com/payment/success')
    ->errorUrl('https://example.com/payment/error')
    ->send();

if ($response->isSuccess()) {
    header('Location: ' . $response->getRedirectUrl());
}

Split Payment with Saved Card

$response = $client->splitCardPayment()
    ->cardId('saved-card-id')
    ->amount(100.00)
    ->orderId('ORDER-12351')
    ->splitUser('i000000002')
    ->splitAmount(30.00)
    ->description('Subscription split payment')
    ->execute();

if ($response->isSuccess()) {
    echo 'Split payment successful!';
}

Split Payment with Card Registration

Register a card and split the payment in one step:

$response = $client->splitCardRegistrationWithPay()
    ->amount(100.00)
    ->orderId('ORDER-12352')
    ->splitUser('i000000002')
    ->splitAmount(30.00)
    ->description('First purchase + save card')
    ->successUrl('https://example.com/cards/success')
    ->errorUrl('https://example.com/cards/error')
    ->send();

if ($response->isSuccess()) {
    // Get both card_id and transaction from callback
    header('Location: ' . $response->getRedirectUrl());
}

Split Payment Parameters

Parameter	Type	Required	Description
amount()	float	Yes	Total payment amount
orderId()	string	Yes	Your unique order ID
splitUser()	string	Yes	Second merchant public key
splitAmount()	float	Yes	Amount to transfer to second merchant
description()	string	No	Payment description
language()	Language	No	Payment page language
currency()	Currency	No	Payment currency

Note: The main merchant receives amount - splitAmount. For example, if amount=100 and splitAmount=30, main merchant gets 70, second merchant gets 30.

Best Practices

1. Unique Order IDs: Always use unique order IDs for each payment
2. Store Transaction ID: Save the transaction ID in your database immediately
3. Configure Callback: Set up callback URL in Epoint merchant panel for payment notifications
4. Handle Errors: Always check isSuccess() and handle errors gracefully
5. Log Trace IDs: Always log trace IDs for troubleshooting

See Also

• Payment Status Check
• Card Management
• Callback Handling
• Testing