Handling credit card sources

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

In the Digital River 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 ensure that you remain PCI compliant, credit card Source objects are created by DigitalRiver.js and then returned to your integration.

You must include the DigitalRiver.js library on your payment collection form to create a credit card source. You then create your payment form and embed elements on it. Once a customer has supplied payment details, you pass the data to DigitalRiver.js to create the payment source. We then return a source identifier to your integration.

Charging a credit card source

You can either attach the Source to a Customer for use in the current Checkout and potentially reuse it in future payments or attach it directly to a Checkout. 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 Checkout, Digital River can then use it to create a Charge object when you submit an Order.