Drop-in payments integration guide

Create a payment form using Drop-in payments.

This page explains how to get started integrating Drop-in payments into both cart flows and account management flows.

Getting started

You can set up Drop-in payments in seven steps:‌

Step 1: Include DigitalRiver.js

Include the following script on the pages where you want Drop-in payments to appear (for example, the cart or My Account page):

<script type="text/javascript" src="https://js.digitalriverws.com/v1/DigitalRiver.js"></script>

Step 2: Include the base CSS file

Include the following link to the Drop-in payments CSS file on the same pages. If you'd like to customize the styles, override the CSS file with your own.

 <link rel="stylesheet" href="https://js.digitalriverws.com/v1/css/DigitalRiver.css" type="text/css"/>

Step 3: Initialize DigitalRiver.js with your public key

Initialize the DigitalRiver.js library with your public API key. If you provide a locale, Drop-in Payments is localized based on that value.

let digitalriver = new DigitalRiver("YOUR_PUBLIC_API_KEY", {
     "locale": "en-US"
});

Step 4: Create a Drop-in payments container

Create a container element on the page where you want the Drop-in payments to appear.

<div id="drop-in"></div>

Step 5: Create a Drop-in payments configuration object

Create a configuration object. For details, refer to Configuring drop-in payments.

let configuration = {
    sessionId: "YOUR_SESSION_IDENTIFIER",
    billingAddress: {
        firstName: "John",
        lastName: "Doe",
        email: "test@digitalriver.com",
        organization: "Digital River",       
        phoneNumber: "000-000-0000",
        address: {
            line1: "10380 Bren Road W",
            line2: "",
            city: "Minnetonka",
            state: "MN",
            postalCode: "55343",
            country: "US"
        }
    },
    onSuccess: function (data) { },
    onCancel: function(data) { },
    onError: function (data) { },
    onReady: function(data) { }
}
FieldRequiredDescription

sessionId

Required for the checkout flow

Optional for the managePaymentMethods flow

The payment session identifier returned by Digital River.

Important: The sessionId is required if you are using Drop-in Payments within a cart flow. If you are using Drop-in paymentsn to capture payment details on a customer portal, then the sessionId is not required.

options

Optional

billingAddress

Required

The customer's billing address.

billingAddress.firstName

Required

The customer's first name.

billingAddress.lastName

Required

The customer's last name.

billingAddress.email

Required

The customer's email address.

billingAddress.organization

Optional

The business customer's organization.

billingAddress.phoneNumber

Required

The customer's phone number.

billingAddress.address.line1

Required

The first line of the address.

billingAddress.address.line2

Optional

The second line of the address

billingAddress.address.city

Optional

City or town.

billingAddress.address.state

Optional

The state, county, province, or region.

billingAddress.address.postalCode

Required

ZIP or postal code.

billingAddress.address.country

Required

A two-letter Alpha-2 country code as described in the ISO 3166 international standard.

billingAddress.address.additional AddressInfo

Optional

Additional address information that may be useful or required for some addresses.

paymentMethodConfiguration

Optional

Additional configuration details.

​Content

The function called when the shopper has authorized payment and a payment source has been successfully created. Returns a Source object.

​Content

The function called when the shopper cancels the payment process before authorizing payment.

​Content

The function called when an error has occurred.

​Content

The function called when Drop-in payments is ready for user interaction.

Step 6: Use the configuration object to create an instance of Drop-in payments

Create an instance of Drop-in payments by passing the configuration object to createDropin().

let dropin = digitalriver.createDropin(configuration);

Step 7: Mount Drop-in payments on your cart or account management page

Add the following statement to the appropriate cart or account management page:

dropin.mount("drop-in");

Once invoked, mount() displays Drop-in payments in the designated container.

Using Drop-in payments in a cart

Finalize your cart

Create a cart and provide the necessary information to have a final total for all amounts, including taxes, shipping, duties, and fees.

Initialize and place Drop-in payments within your application

Customers select how they want to pay from the experience page where you added the Drop-in payments container. Drop-in payments provide what is needed, including redirects to return a payment source that can be used in downstream API calls with the Commerce API.

The customer provides payment details

The customer may be redirected to authorize their payment.

The onSuccess event returns the source

The following source object contains the customer's payment details for a one-time charge.

{
    "source": {
        "clientId": "gc",
        "channelId": "drdod15",
        "liveMode": false,
        "id": "9ddf3f08-7c56-4ce6-88b3-aee6cabe54a5",
        "clientSecret": "9ddf3f08-7c56-4ce6-88b3-aee6cabe54a5_46b96409-e4f1-457e-aed9-d273e2d0c0bd",
        "type": "creditCard",
        "reusable": false,
        "owner": {
            "firstName": "John",
            "lastName": "Doe",
            "email": "test@digitalriver.com",
            "organization": "Digital River",                 
            "phoneNumber": "555-000-0000",
            "upstreamId": "e1cd9cf0-2d19-49e2-9455-d89836a2b880",
            "address": {
                "line1": "10380 Bren Road West",
                "line2": "",               
                "city": "Minnetonka",
                "state": "MN",
                "country": "US",
                "postalCode": "55343"
            },
        },
        "state": "chargeable",
        "creationIp": "10.81.3.84",
        "createdTime": "2020-08-27T02:05:04.557Z",
        "updatedTime": "2020-08-27T02:05:04.557Z",
        "flow": "standard",
        "creditCard": {
            "brand": "MasterCard",
            "expirationMonth": 10,
            "expirationYear": 2030,
            "lastFourDigits": "5454",
            "fundingSource": "credit"
        }
    },
    "readyForStorage": false
}

Optional. Allowing the customer to save their payment details

During the cart flow, you can also give customers the opportunity to save their payment details for use in future transactions by enabling showSavePaymentAgreement.

This feature ensures that a customer's payment details are collected in a PSD2 and SCA-compliant manner.

let configuration = {
    sessionId: "YOUR_SESSION_IDENTIFIER",
    options: {
        showSavePaymentAgreement: true
    },
    billingAddress: {
        firstName: "John",
        lastName: "Doe",
        email: "test@digitalriver.com",
        organization: "Digital River",                
        phoneNumber: "000-000-0000",
        address: {
            line1: "10380 Bren Road W",
            line2: "",
            city: "Minnetonka",
            state: "MN",
            postalCode: "55343",
            country: "US"
        }
    },
    onSuccess: function (data) { },
    onCancel: function(data) { },
    onError: function (data) { },
    onReady: function(data) { }
}

When you enable this feature, each displayed reusable payment method is accompanied by a box that customers must check if they want that payment information saved to their account.

If the customers select the checkbox and click the configurable button, Drop-in payments performs the required authentication and, assuming that process is successful, the data object of onSuccess contains a source that is readyForStorage.

In this case, handle onSuccess by passing the source.id. Use your secret API key to your back end to associate the source with the customer before you associate the source with the cart.

Using Drop-in payments in an account management portal

If your integration allows customers to save payment methods outside of a cart flow, you can add Drop-in payments to their account management portal.

In this flow, the Drop-in payments' configuration object doesn't require a sessionId. Instead, you should set options.flow to managePaymentMethods. The managePaymentMethods informs Digital River that you're collecting and saving payment information in an account management setting.

Because this is a managePaymentMethods flow, and there's no payment session to reference, you need to use the configuration object's billingAddress to pass the billing information you collect from customers.

There's no need to enable showComplianceSection, showTermsOfSaleDisclosure, and showSavePaymentAgreement since those features only need to be turned on in cart flows.

let configuration = {
    options: {
        flow: "managePaymentMethods"
    }
    billingAddress: {
        firstName: "John",
        lastName: "Doe",
        email: "test@digitalriver.com",
        organization: "Digital River",          
        phoneNumber: "555-000-0000",
        address: {
            line1: "10380 Bren Road W",
            line2: "",
            city: "Minnetonka",
            state: "MN",
            postalCode: "55343",
            country: "US"
        }
    },
    onSuccess: function (data) { },
    onCancel: function(data) { },
    onError: function (data) { },
    onReady: function(data) { }
}

Configure and mount Drop-in payments

Once the create and mount methods are invoked, Drop-in payments open on the container element's experience page. For more details on this process, refer to the Getting started section.

Customers then select the payment method to add to their account and agree to specific storage terms. They may also be required to complete SCA, a process that Drop-in payments handles.

Handle onSuccess

If Digital River successfully creates a payment source, the data object of onSuccess contains a source that is readyForStorage. Handle the event by sending source.id to your back end and using your secret API key to associate the source with the customer.

The Customer provides payment details

As part of collecting payment details for future use, the customer may be presented with Strong Customer Authentication and may also be required to agree to specific terms of storage. These details will automatically be displayed and collected to ensure compliance.

The onSuccess event returns the source

This flow presents and collects any required authentications and opt-ins. When the source collects the customer's payment details, authentication details, and opt-ins, the onSuccess event will return this information with a "readyForStorage": true parameter.

The readyForStorage identifier signifies the creation of the source with the intention of storage, and any necessary authentications have occurred. Attach the source to a Shopper by calling the appropriate API with your secret key to reuse the source.

{
    "source": {
        "clientId": "gc",
        "channelId": "drdod15",
        "liveMode": false,
        "id": "9ddf3f08-7c56-4ce6-88b3-aee6cabe54a5",
        "clientSecret": "9ddf3f08-7c56-4ce6-88b3-aee6cabe54a5_46b96409-e4f1-457e-aed9-d273e2d0c0bd",
        "type": "creditCard",
        "reusable": false,
        "owner": {
            "firstName": "John",
            "lastName": "Doe",
            "email": "test@digitalriver.com",
            "organization": "Digital River",              
            "phoneNumber": "555-000-0000",
            "upstreamId": "e1cd9cf0-2d19-49e2-9455-d89836a2b880",
            "address": {
                "line1": "10380 Bren Road West",
                "line2": "",               
                "city": "Minnetonka",
                "state": "MN",
                "country": "US",
                "postalCode": "55343"
            },
            "additionalAddressInfo": {
                "neighborhood": "Centro",
                "phoneticFirstName": "John",
                "phoneticLastName": "Doe",
                "division": "Product"
            }
        },
        "state": "chargeable",
        "creationIp": "10.81.3.84",
        "createdTime": "2020-08-27T02:05:04.557Z",
        "updatedTime": "2020-08-27T02:05:04.557Z",
        "flow": "standard",
        "creditCard": {
            "brand": "MasterCard",
            "expirationMonth": 10,
            "expirationYear": 2030,
            "lastFourDigits": "5454",
            "fundingSource": "credit"
        }
    },
    "readyForStorage": true
}

Drop-in options

When creating your Drop-in Payments instance, you can specify options to trigger different features or functionality.

OptionValueDescriptionIs Default

flow

managePaymentMethods

Use this option to specify a different Drop-in Payments mode of operation. Enable this flow if you are using Drop-in Payments as part of a My Account page where your customer is managing their stored payment methods.

False

flow

checkout

Use this option if you are using Drop-in Payments within a standard checkout flow.

True

showSavePaymentAgreement

true

When enabled, presents the customer with an option to save their payment details for future use within Drop-in Payments. Enabling this feature will show the appropriate check boxes and localized disclosure statements and facilitate any necessary Strong Customer Authentication.

False

showSavePaymentAgreement

false

If disabled, Drop-in Payments will not present the customer with an option to save their payment details.

True

showComplianceSection

true

Will show a localized compliance link section as part of Drop-in Payments. This is an important piece for accessing the Digital River business model.

True

showComplianceSection

false

Disables the compliance section within Drop-in Payments.

button

An object which specifies a type as well as a custom buttonText attribute.

usage

subscription

convenience

unscheduled

showTermsOfSaleDisclosure

true

Use this option to show the required terms of sale disclosure. These localized terms automatically update if recurring products are purchased.

showTermsOfSaleDisclosure

false

Hides the terms of sale disclosure.

True

redirect

An object that specifies the options you want to use to disable the automatic redirect functionality built into Drop-in Payments.

Use this option if you would like to handle redirecting the customer yourself to the payment provider. See Disabling redirects within Drop-in Payments.

Disabling redirects within Drop-in Payments

Enable the disableAutomaticRedirects attribute if you do not want Drop-in Payments to redirect your customer to the payment provider. Use this setting in your checkout flow if you do not want to create the order from Drop-in Payments. In this scenario, you can allow your customer to choose their payment method, review and then authorize it later by redirecting the customer to the redirect.returnUrl when the customer has reviewed the order totals and is ready to create their order.

KeyRequired/OptionalDescription

disableAutomaticRedirects

Required if using the redirect object.

Set to true to disable automatic redirects within Drop-in Payments.

returnUrl

Required if using the redirect object.

The URL where the customer should be returned after successfully authorizing payment at the payment provider.

cancelUrl

Required if using the redirect object.

The URL where the customer should be returned after cancelling at the payment provider.

"options": {
    "redirect": {
        "disableAutomaticRedirects": true,
        "returnUrl": "https://www.yourwebsite.com/return",
        "cancelUrl": "https://www.yourwebsite.com/cancel"    
    }
}

Customizing the text of the Drop-in payments button

The Drop-in payments button is customizable. You can either display pre-configured text, or you can specify a unique text. In both cases, how the text is localized is determined by the locale you used when initializing DigitalRiver.js.

Type

Description

continue(default)

Use the following configuration to create a Continue button:

"options": { "button": { "type": "continue" } }

payNow

Use the following configuration to create a Pay Now button:

"options": { "button": { "type": "payNow" } }

buyNow

Use the following configuration to create a Buy Now button:

"options": { "button": { "type": "buyNow" } }

completeOrder

Use the following configuration to create a Submit and Complete Payment button:

"options": { "button": { "type": "completeOrder" } }

submitOrder

Use the following configuration to create a Submit Order button:

"options": { "button": { "type": "submitOrder" } }

custom

In the following configuration, use buttonText to create a button with customized text:

"options": { "button": { type": "custom". "buttonText": "Custom Text For Button" } }

Specifying a source's future use

Set options.usage to indicate how the payment source will likely be used in future transactions. Passing this value increases the probability that payment providers will approve future authorization requests. The accepted values are subscription, convenience, and unscheduled.

When creating a source using Drop-in payments, you should identify the types of future transactions the source will use to increase the probability of approval... The usage value you select should be the one that most closely corresponds to your business model. The available options are subscription, convenience, and unscheduled.

  • subscription: The source is to be used for recurring transactions, made at regular intervals, for a product or a service.

  • convenience: Applies mainly to saved payment sources that are used for one-off transactions. These are scenarios where customers are typically present during checkout and want to access their payment information quickly. Always select this option if you don't offer subscriptions or don't have unscheduled merchant-initiated transactions.

  • unscheduled: The source is to be used in unscheduled merchant-initiated transactions. These are contracts that occur on a non-fixed schedule using saved card information. Automatic top-ups are one such example. They occur whenever a customer's balance drops below a pre-defined amount.

Show terms of sale disclosure

The options.showTermsOfSaleDisclosure attribute determines whether Drop-in payments display the terms of sale to customers.

If set to true (default), then the terms of sale disclosure are displayed, and customers must accept them.

The terms are localized based on how you initialize DigitalRiver.js.

The terms depend on whether customers make a one-time purchase or buy a subscription product.

If set to false, no terms of sale are displayed.

Add disclosures

You can use options.consents to add your end-user license agreement and terms of use to Digital River's disclosures. To make this feature work, showTermsOfSaleDisclosure must be true.

If you pass consents, then companyName is required. You're not required to provide either eula or termsOfUse, but if you do, you must specify a url that links to the relevant document.

...
let configuration = {
    ...
    "options": {
        ...
        "showTermsOfSaleDisclosure": true,
        ...
        "consents": {
            "companyName": "Cool Company",
            "eula": {
                "url": "https: //myecommercesite.com/eula"
            },
            "termsOfUse": {
                "url": "https: //myecommercesite.com/termsOfUse"
            }
        }
    },
    ...
}
...

Once you create and mount Drop-in payments, your consents are appended to Digital River's disclosures.

Disabling redirects

The options.redirect object specifies the options you want to use to turn off the automatic redirect functionality built into Drop-in payments. Use this option if you would like to handle redirecting the customer yourself to the payment provider.

Enable the disableAutomaticRedirects attribute if you do not want Drop-in payments to redirect your customer to the payment provider. Use this setting in your checkout flow if you do not want to create the order from Drop-in. In this scenario, you can allow your customer to choose their payment method, review and then authorize later by redirecting the customer to the redirect.returnUrl when the customer has reviewed the order totals and is ready to create their order.

KeyRequired/OptionalDescription

disableAutomaticRedirects

Required if using the redirect object.

Choose one of the following options:

  • Set to true to disable automatic redirects within Drop-in.

  • Set to false to enable automatic redirects within Drop-in and return a redirect URL to follow in the POST /orders response. This option is required for Pay with Installments France.

returnUrl

Required if using the redirect object.

The URL where the customer should be returned after successfully authorizing payment at the payment provider.

cancelUrl

Required if using the redirect object.

The URL where the customer should be returned after cancelling at the payment provider.

"options": {
    "redirect": {
        "disableAutomaticRedirects": true,
        "returnUrl": "https://www.yourwebsite.com/return",
        "cancelUrl": "https://www.yourwebsite.com/cancel"    
    }
}

Expand first payment method

When Drop-in payments loads options.expandFirstPaymentMethod determines whether the first payment method in the accordion control element is expanded or collapsed.

If expandFirstPaymentMethod is true(default) then the first displayed payment method is expanded.

Set usage to unscheduled when you create sources for unscheduled merchant-initiated transactions. These are contracts that occur on a non-fixed schedule using saved card information. Automatic top-ups are an example of one such transaction. They occur whenever a customer's balance drops below a pre-defined amount.

Configuring Drop-in Payment methods

Configuring payment methods within Drop-in Payments

Drop-in Payments uses DigitalRiver.js elements to capture secure payment details. Drop-in Payments come with a predefined style that should meet most use cases. If you would like to customize the look and feel, you should familiarize yourself with the Styling an element container in the DigitalRiver.js documentation.

Here is an example of customizing several payment methods:

const apiKey = 'YOUR_PUBLIC_API_KEY';
 
digitalriver = new DigitalRiver(apiKey, {
    "locale": "en-us"
});
 
const configuration = {
    sessionId: 'd6deb2b4-347e-431e-9d56-095038e0e338',
    billingAddress: {
        firstName: "John",
        lastName: "Doe",
        email: "test@digitalriver.com",
        organization: "Digital River",          
        phoneNumber: "000-000-0000",
        address: {
            line1: "10380 Bren Road West",
            line2: "",
            city: "Minnetonka",
            state: "MN",
            postalCode: "55346",
            country: "US"
        }
    },
    paymentMethodConfiguration: {
        style: {
            base: {
                color: '#495057',
                height: '35px',
                fontSize: '1rem',
                fontFamily: 'apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Helvetica Neue,Arial,sans-serif',
                ':hover': {
                    color: '#137bee',
                },
                '::placeholder': {
                    color: '#999'
                },
                ':-webkit-autofill': {
                    color: 'purple'
                },
                ':focus': {
                    color: 'blue'
                }
            },
            invalid: {
                color: '#dc3545',
                ':-webkit-autofill': {
                    color: '#dc3545'
                }
            },
            complete: {
                color: '#28a745',
                ':hover': {
                    color: '#28a745',
                },
                ':-webkit-autofill': {
                    color: '#28a745'
                }
            },
            empty: {
                color: '#000000'
            },
 
        },
        creditCard: {
            cardNumberPlaceholderText: "Credit Card Number",
            cardExpirationPlaceholderText: "MM/YY",
            cardCvvPlaceholderText: "CVV",
            style: styles,
            mask: true
        },
        onlineBanking: {
            style: styles,
            placeholderText: "Select a Bank",
        },
        googlePay: {
            style: {
                buttonType: 'plain',
                buttonColor: 'dark',
                buttonLanguage: 'en'
            }
        },
        applePay: {
            style: {
                buttonType: 'plain',
                buttonColor: 'dark',
                buttonLanguage: 'en'
            }
        },
        payPal: {
            style: {
                label: 'checkout',
                size: 'responsive',
                color: 'gold',
                shape: 'pill',
                layout: 'horizontal',
                fundingicons: 'false',
                tagline: 'false'
            },
        },
        msts: { 
            enrollmentUrl: "https://acmeUS.b2b.credit/en-US/apply?client_reference_id=Acme-123456&ecommerce_url=www.acme-returnURL.com", 
        },       
    },
    onSuccess: function(data) {
        console.log(data);
    },
    onError: function(data) {
        console.log(data);
    },
    onCancel: function(data) {
        console.log(data);
    },
    onReady: function(data) {
        console.log(data);
    },
 
};
 
digitalriver.createDropin(configuration).mount('dropin');

Drop-in Payments specific configurations

Use the following fields to configure payment methods.

creditCard

cardNumberPlaceholderText

The placeholder that appears in the card number field. If you specify a different value for cardNumberPlaceholderText, localization will not be applied.

cardExpirationPlaceholderText

The placeholder that appears in the card expiration field. If you specify a different value for cardExpirationPlaceholderText, localization will not be applied.

cardCvvPlacholderText

The placeholder that appears in the card expiration field. If you specify a different value for cardCvvPlacholderText, localization will not be applied.

style

A Style object created following the Styling an element container instructions.

mask

Indicates whether the card number and card security code fields will automatically mask the input details after successful validation.

onlineBanking

style

A Style object created following the Styling an element container instructions.

placeholderText

The placeholder text appears in the online banking selector.

googlePay

style

A Style object created following the Google Pay element styles and customization instructions.

applePay

style

A Style object created following the Apple Pay styles and customization instructions.

payPal

style

A Style object created following the PayPal element style option instructions.

msts

enrollment

An enrollment URL created following the TreviPay enrollment URL instructions.

Filtering payment methods shown in Drop-in payments

In the Drop-in Payments configuration, you can add a list of enabled payment methods, disabled payment methods, or both. If the list of enabled or disabled payment methods is absent, Drop-in Payments displays all the payment methods available for the payment session. The enabled list will not add unavailable payment methods for the payment session.

paymentMethodConfiguration:
    {
        enabledPaymentMethods: ['msts', 'creditCard'],
        disabledPaymentMethods: ['klarna']
    },

Drop-in payments events

Learn how to receive real-time updates on the state of your payment methods in Drop-in Payment.

Drop-in Payment supports the following events:

  • onSuccess–This occurs whenever a source is successfully created.

  • onError–This occurs whenever there is a validation error.

  • onCancel–This occurs whenever a payment method is cancelled.

  • onReady–This occurs whenever Drop-in payments have successfully mounted.

onSuccess

When your customer has provided the necessary details for payment and followed any necessary redirects, you will receive an event.

{
    "source": {
        "clientId": "gc",
        "channelId": "paylive",
        "liveMode": false,
        "id": "aa388280-a8a6-4fe9-9969-a85a17a89f6d",
        "sessionId": "cecf3581-e47b-4679-9b51-afbc44a15b91",
        "clientSecret": "aa388280-a8a6-4fe9-9969-a85a17a89f6d_376f54df-6025-474e-bc7d-4d74ff28de8a",
        "type": "creditCard",
        "reusable": false,
        "owner": {
            "firstName": "John",
            "lastName": "Doe",
            "customerId": "501457412489",
            "email": "test224234234324@test.com",
            "organization": "Digital River",              
            "phoneNumber": "952-253-1234",
            "address": {
                "line1": "10380 Bren Road W",
                "city": "Minnetonka",
                "state": "MN",
                "country": "US",
                "postalCode": "55343"
            }
        },
        "amount": "521.04",
        "currency": "USD",
        "state": "chargeable",
        "upstreamId": "9C981EC0-49DB-41E3-B55C-5702A4D6EBEA",
        "creationIp": "209.87.180.27",
        "createdTime": "2021-02-22T20:26:08.196Z",
        "updatedTime": "2021-02-22T20:26:08.196Z",
        "flow": "standard",
        "creditCard": {
            "brand": "Visa",
            "expirationMonth": 11,
            "expirationYear": 2030,
            "lastFourDigits": "1111"
        }
    },
    "readyForStorage": false
}
{
    "source": {
        "clientId": "gc",
        "channelId": "paylive",
        "liveMode": false,
        "id": "aa388280-a8a6-4fe9-9969-a85a17a89f6d",
        "sessionId": "cecf3581-e47b-4679-9b51-afbc44a15b91",
        "clientSecret": "aa388280-a8a6-4fe9-9969-a85a17a89f6d_376f54df-6025-474e-bc7d-4d74ff28de8a",
        "type": "creditCard",
        "reusable": false,
        "owner": {
            "firstName": "John",
            "lastName": "Doe",
            "customerId": "501457412489",
            "email": "test224234234324@test.com",
            "organization": "Digital River",              
            "phoneNumber": "952-253-1234",
            "address": {
                "line1": "10380 Bren Road W",
                "city": "Minnetonka",
                "state": "MN",
                "country": "US",
                "postalCode": "55343"
            }
        },
        "amount": "521.04",
        "currency": "USD",
        "state": "chargeable",
        "upstreamId": "9C981EC0-49DB-41E3-B55C-5702A4D6EBEA",
        "creationIp": "209.87.180.27",
        "createdTime": "2021-02-22T20:26:08.196Z",
        "updatedTime": "2021-02-22T20:26:08.196Z",
        "flow": "standard",
        "creditCard": {
            "brand": "Visa",