Handling credit card sources

Learn how Source objects created from credit cards function within the Commerce API.

In the Commerce API, sources created from credit cards are multi-use, synchronous, and pull-based. This means that customers aren't required to re-enter payment details before every payment, they are provided instant notification of a payment's approval status, and the amount charged to the card can be updated repeatedly throughout the checkout process.

The Sources API supports a wide range of credit cards.

Creating a credit card source

To create a credit card source, you must CVCs

Charging a credit card source

You can either attach the source to a customer for use in the current checkout and potentially reuse in future payments or attach it directly to a Cart. In the latter case, the source cannot be reused and will have a state of consumed once charged.

Credit card sources should be used shortly after they are created. This is because CVC data expires within a few minutes. Orders created with cards that lack CVCs are more likely to be declined and pose a greater fraud risk.

Once you have attached the source to a customer or directly to a cart, Digital River can use it when you submit the Cart.