Charge a Stored Card (MIT)

Charge a stored card when the agreed event happens, with a subsequent charge against the original order. The charge carries the agreement your customer made at setup, and the scheme transaction data that goes with it.

Before you start

The order reference and payment reference from a completed setup, where your customer finished authenticating and the card was stored.
A record of what your customer agreed to, and an event that matches it. Charging outside the agreed terms is what disputes are made of.
An access token.

🚧
Never send the security code
Do not include the card security code in a merchant-initiated request. It is collected once, during setup, and is not retained.

Request

Item	Value
Method	`POST`
Resource (sandbox)	`https://api-gateway.sandbox.ngenius-payments.com/transactions/outlets/[your-outlet-reference]/orders/[order-reference]/payments/[payment-reference]/subsequent`
Authorization	`Bearer [access-token]`
Content-Type	`application/vnd.ni-payment.v3+json`
Accept	`application/vnd.ni-payment.v3+json`

Attribute	Required	Type	Description
`amount.currencyCode`	Required	String	ISO 4217 currency code
`amount.value`	Required	Integer	Amount to charge, in minor units

{
  "amount": {
    "currencyCode": "AED",
    "value": 4500
  }
}

Response

Successful charge:

{
  "_id": "urn:payment:1c99c012-6057-42b3-85be-56e73aa8ec14",
  "reference": "1c99c012-6057-42b3-85be-56e73aa8ec14",
  "state": "PURCHASED",
  "amount": {
    "currencyCode": "AED",
    "value": 4500
  },
  "savedCard": {
    "maskedPan": "401200******1112",
    "expiry": "2028-12",
    "scheme": "VISA",
    "cardToken": "NDk0YWRlOTQtZWMwNi00N2I1LWJmZjktNDI3OThkZWIwZmE1"
  },
  "authResponse": {
    "authorizationCode": "092085",
    "success": true,
    "resultCode": "00",
    "resultMessage": "Successful approval/completion",
    "rrn": "418412254552"
  },
  "updateDateTime": "2026-09-07T11:15:00.000Z"
}

Declined charge. Read resultCode before you decide what to do next — see Declines and retries.

{
  "_id": "urn:payment:f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "reference": "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "state": "FAILED",
  "amount": {
    "currencyCode": "AED",
    "value": 4500
  },
  "savedCard": {
    "maskedPan": "401200******1112",
    "expiry": "2028-12",
    "scheme": "VISA",
    "cardToken": "NDk0YWRlOTQtZWMwNi00N2I1LWJmZjktNDI3OThkZWIwZmE1"
  },
  "authResponse": {
    "success": false,
    "resultCode": "51",
    "resultMessage": "Insufficient funds",
    "recommendation": "RETRY_LATER",
    "rrn": "418412259981"
  },
  "updateDateTime": "2026-09-07T11:18:22.000Z"
}

Attribute	Description
`reference`	The payment reference for this charge
`state`	`PURCHASED` when the charge succeeds, `FAILED` when it is declined
`authResponse.resultCode`	The response code. See Declines and retries
`authResponse.recommendation`	Present on some declines, for example `RETRY_LATER`

Common errors

What you see	What it usually means
`state` is `FAILED` with a `resultCode`	The issuer declined the charge. What you do next depends on the category of the code — see Declines and retries.
The charge is rejected before it reaches the issuer	The card may have been revoked after an earlier hard decline, or the agreement was never completed. Do not retry — ask your customer for a new payment method.