Create Payment
Changed onCharges a buyer for one or more variants with a payment method already on file (member_id and payment_method_id), or with a confirmation_token for a method the buyer just supplied. Collection runs in the background, so the response is the payment as created, not its outcome: poll Retrieve payment status for how far it has got and what the buyer must still do.
Request
- Base URL: https://api.whop.com/api/v1
- URL: https://api.whop.com/api/v1/payments
- Auth: HTTP bearer
Headers
A unique key that makes this request safe to retry. See Idempotent requests.
Request body
Example request
{
"account_id": "biz_xxxxxxxxxxxxxx",
"plan": {
"application_fee_amount": 2,
"currency": "usd",
"initial_price": 31,
"override_tax_type": "inclusive",
"plan_type": "one_time",
"product": {
"collect_shipping_address": true,
"custom_statement_descriptor": "WHOP*INLINE",
"description": "Quoted, then sent with the payment.",
"external_identifier": "quoted-again",
"global_affiliate_status": "enabled",
"headline": "Product headline",
"redirect_purchase_url": "https://example.com/thanks",
"title": "Quoted again",
"visibility": "visible"
},
"product_id": "prod_xxxxxxxxxxxxxx",
"visibility": "visible"
},
"plan_id": "plan_xxxxxxxxxxxxxx",
"promo_code": "SHINE20",
"promo_code_id": "promo_xxxxxxxxxxxxxx",
"affiliate_code": "priyaraman",
"auto_capture_after_minutes": 60,
"confirmation_token": "ctok_xxxxxxxxxxxxxx",
"email": "dana@shinetime.example",
"ip_address": "203.0.113.24",
"line_items": [
{
"plan_id": "plan_xxxxxxxxxxxxxx",
"quantity": 1
}
],
"member_id": "mber_xxxxxxxxxxxxxx",
"metadata": {
"register": "front"
},
"off_session": true,
"payment_method": {
"card_present": {
"platform": "ios"
},
"type": "card_present"
},
"payment_method_id": "payt_xxxxxxxxxxxxxx",
"quote_id": "pq_xxxxxxxxxxxxxxx",
"return_url": "https://shinetime.example/checkout/done",
"shipping_address": {
"city": "Austin",
"country": "US",
"line1": "1114 Bouldin Ave",
"line2": "Unit B",
"name": "Dana Whitfield",
"postal_code": "78704",
"state": "TX"
},
"statement_descriptor": "WHOP*SHINETIME"
}Response
payment created from a stored payment method
Example response
{
"account_id": "biz_xxxxxxxxxxxxxx",
"amount_after_fees": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"billing_address": {
"city": "Austin",
"country": "US",
"line1": "1114 Bouldin Ave",
"line2": "Unit B",
"name": "Dana Whitfield",
"postal_code": "78704",
"state": "TX"
},
"billing_reason": "subscription_create",
"client_secret": "pay_xxxxxxxxxxxxxx_secret_vdefault_xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx",
"created_at": "2026-01-01T12:00:00.000Z",
"currency": "usd",
"customer_email": "marcus@shinetime.example",
"customer_phone": "+xxxxxxxxxxx",
"decline_code": "insufficient_funds",
"holds": [
{
"amount": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"type": "reserve"
}
],
"id": "pay_xxxxxxxxxxxxxx",
"line_items": [
{
"id": "li_xxxxxxxxxxxxxx",
"label": "Ceramic Coating Package",
"plan_id": "plan_xxxxxxxxxxxxxx",
"plan_title": "Ceramic Coating — Full Vehicle",
"product_id": "prod_xxxxxxxxxxxxxx",
"product_title": "Ceramic Coating Package",
"quantity": 1,
"subtotal": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
}
}
],
"member_id": "mber_xxxxxxxxxxxxxx",
"membership_id": "mem_xxxxxxxxxxxxxx",
"metadata": {
"order_ref": "SHINE-4417"
},
"paid_at": "2026-01-01T12:00:00.000Z",
"payment_instrument": {
"card": {
"brand": "visa",
"exp_month": 10,
"exp_year": 2031,
"issuer_identification_number": "41111111",
"last4": "4242"
},
"display_name": "Visa •••• 4242",
"icons": {
"card": {
"dark": {
"png_1x": "https://content.whop.com/payment_methods/visa/icons/card_dark_30.png",
"png_2x": "https://content.whop.com/payment_methods/visa/icons/card_dark_60.png",
"png_4x": "https://content.whop.com/payment_methods/visa/icons/card_dark_120.png",
"svg": "https://content.whop.com/payment_methods/visa/icons/card_dark.svg"
},
"light": {
"png_1x": "https://content.whop.com/payment_methods/visa/icons/card_dark_30.png",
"png_2x": "https://content.whop.com/payment_methods/visa/icons/card_dark_60.png",
"png_4x": "https://content.whop.com/payment_methods/visa/icons/card_dark_120.png",
"svg": "https://content.whop.com/payment_methods/visa/icons/card_dark.svg"
}
},
"square": {
"dark": {
"png_1x": "https://content.whop.com/payment_methods/visa/icons/card_dark_30.png",
"png_2x": "https://content.whop.com/payment_methods/visa/icons/card_dark_60.png",
"png_4x": "https://content.whop.com/payment_methods/visa/icons/card_dark_120.png",
"svg": "https://content.whop.com/payment_methods/visa/icons/card_dark.svg"
},
"light": {
"png_1x": "https://content.whop.com/payment_methods/visa/icons/card_dark_30.png",
"png_2x": "https://content.whop.com/payment_methods/visa/icons/card_dark_60.png",
"png_4x": "https://content.whop.com/payment_methods/visa/icons/card_dark_120.png",
"svg": "https://content.whop.com/payment_methods/visa/icons/card_dark.svg"
}
}
},
"payment_method_type": "card"
},
"payment_method_id": "payt_xxxxxxxxxxxxxx",
"payment_method_type": "acss_debit",
"payment_rule_matches": [
{
"action": "allow"
}
],
"plan_id": "plan_xxxxxxxxxxxxxx",
"presentment_total": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"product_id": "prod_xxxxxxxxxxxxxx",
"refunded_amount": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"retryable": true,
"shipping_address": {
"city": "Austin",
"country": "US",
"line1": "1114 Bouldin Ave",
"line2": "Unit B",
"name": "Dana Whitfield",
"postal_code": "78704",
"state": "TX"
},
"status": "draft",
"substatus": "succeeded",
"subtotal": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"tax_amount": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"tax_behavior": "exclusive",
"tax_refunded_amount": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"total": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"updated_at": "2026-01-01T12:00:00.000Z",
"usd_total": {
"amount": "-1234.56",
"currency": "usd",
"decimals": 2,
"display_decimals": 2
},
"user": {
"id": "user_xxxxxxxxxxxxxx",
"name": "Dana Whitfield",
"profile_picture": {
"url": "https://ui-avatars.com/api/"
},
"username": "danawhitfield"
},
"verification_checks": {
"address_line1": "PASS",
"arn": "74123456789",
"authorization_code": "A1B2C3",
"card_holder_name": "PASS",
"card_security_code": "PASS",
"zip_code": "PASS"
}
}Changes
- warning
removed the request property
//// - warning
added the new
payto_bank_accountenum value to the////response property for the response status - warning
added the new
payto_emailenum value to the////response property for the response status - warning
added the new
payto_phoneenum value to the////response property for the response status - info
added the new optional request property
///// - info
added the new optional request property
/ - info
added the required property
to the response with the status
- warning
- breaking
removed the required property
from the response with the status
- breaking