Make a payment with Credit Card

Audience: Citizen Developer

Skill Prerequisites: API Key Management, Tokens, Payment Gateway Basics

The Make a payment with Credit Card action integrates with Authorize.Net to process payments directly from your workflows. It supports both authorization and capture transactions, allowing you to collect payments securely using the customer’s credit card information.

Typical Use Cases

• Charge a customer for an online purchase immediately after form submission.
• Integrate payment collection into a registration or order process.
• Programmatically handle on-approval, on-decline, on-error, or held-for-review outcomes in your workflow.

Related Actions

Action Name	Description
Make a payment with Electronic Check	Process payments using eChecks instead of credit cards.
Add a Simple Checkout to a button	Generates a checkout button for single-click payments.

Input Parameter Reference

Parameter	Description	Supports Tokens	Default	Required
API Login ID	API Login ID and Transaction Key combo to authenticate with Authorize.Net	Yes	empty	Yes
Transaction Key	The Authorize.Net transaction key	Yes	empty	Yes
Go Live	Enable to send actual transaction to the live gateway (otherwise goes to sandbox)	Yes	false	No
Payment description	A short description for the payment (can appear in receipts)	Yes	empty	No
Transaction's currency	Three-letter currency code (e.g. USD, EUR)	Yes	empty	Yes
Amount - total to pay	Total charge amount	Yes	empty	Yes
Credit Card Transaction Type	Type of transaction: AUTH_CAPTURE, AUTH_ONLY, etc.	Yes	AUTH_CAPTURE	No
Credit Card Number	Customer’s credit card number (formatted as digits only)	Yes	empty	Yes
Credit Card CCV	3- or 4-digit card security code	Yes	empty	Yes
Expiration Month	Two-digit expiration month	Yes	empty	Yes
Expiration Year	Two-digit expiration year	Yes	empty	Yes
First Name	Cardholder’s first name	Yes	empty	Yes
Last Name	Cardholder’s last name	Yes	empty	Yes
Address	Cardholder’s billing address	Yes	empty	Yes
City	Billing city	Yes	empty	Yes
State	Billing state or province	Yes	empty	Yes
Country	Billing country	Yes	empty	Yes
Postal Code	Billing postal/ZIP code	Yes	empty	Yes
Fields	Additional name-value pairs to pass to Authorize.Net as extended data	Yes	none	No
Output Authorize.Net Response Code Token Name	Where to store the Authorize.Net response code	Yes	empty	No
Output Authorize.Net Response Reason Code Token Name	Where to store the Authorize.Net response reason code	Yes	empty	No
Output Authorize.Net Response Reason Text Token Name	Where to store the Authorize.Net response reason text	Yes	empty	No
Output Authorize.Net Response Authorization Code Token Name	Where to store the Authorization code result	Yes	empty	No
Output Authorize.Net Response Transaction ID Token Name	Where to store the transaction ID	Yes	empty	No
On Approved	Actions to execute when the payment is approved	Action List	none	No
On Declined	Actions to execute when the payment is declined	Action List	none	No
On Error	Actions to execute when an error occurs	Action List	none	No
On Held For Review	Actions to execute if payment is held for manual review	Action List	none	No

Output Parameters Reference

Parameter	Description
Output Authorize.Net Response Code Token Name	Stores the primary response code from Authorize.Net
Output Authorize.Net Response Reason Code Token Name	Stores the reason code for the transaction result
Output Authorize.Net Response Reason Text Token Name	Stores the human-readable description of the result
Output Authorize.Net Response Authorization Code Token Name	Stores the approval code if transaction succeeded
Output Authorize.Net Response Transaction ID Token Name	Stores the unique transaction ID from Authorize.Net

Security

Warning:

• Always ensure sensitive fields such as card numbers and transaction keys are stored and handled securely. Do not expose these to untrusted user inputs.
• Use secure HTTPS endpoints and comply with PCI DSS standards for storing, processing, or transmitting credit card data.

Events

• On Approved: Run a set of actions only when payment is successful.
• On Declined: Handle scenarios such as displaying an error message or logging for failed payments.
• On Error: Catch gateway or communication errors.
• On Held For Review: Implement manual review or notification flows if payment is flagged by Authorize.Net.

Examples

1. Minimal Payment (Test Mode)

Process a $20 test payment using tokens filled from a form.

{
  "Title": "Make a payment with Credit Card",
  "ActionType": "Pay with Credit Card",
  "Parameters": {
    "AuthorizeNetAPILoginID": "[Settings:AuthorizeNetAPILoginID]",
    "AuthorizeNetTransactionKey": "[Settings:AuthorizeNetTransactionKey]",
    "AuthorizeNetLiveMode": false,
    "AuthorizeNetTitle": "Online Purchase",
    "AuthorizeNetCurrency": "USD",
    "AuthorizeNetAmount": "20.00",
    "AuthorizeNetTransactionType": "AUTH_CAPTURE",
    "AuthorizeNetCardNumber": "[Form:CardNumber]",
    "AuthorizeNetCCV": "[Form:CardCCV]",
    "AuthorizeNetExpirationMonth": "[Form:CardExpMonth]",
    "AuthorizeNetExpirationYear": "[Form:CardExpYear]",
    "AuthorizeNetFirstName": "[Form:FirstName]",
    "AuthorizeNetLastName": "[Form:LastName]",
    "AuthorizeNetAddress": "[Form:Address]",
    "AuthorizeNetCity": "[Form:City]",
    "AuthorizeNetState": "[Form:State]",
    "AuthorizeNetCountry": "[Form:Country]",
    "AuthorizeNetPostalCode": "[Form:PostalCode]"
  }
}

2. Capture Response in Tokens & Custom Workflow on Approval

Store key Authorize.Net output fields in tokens and run other actions if payment is approved.

{
  "Title": "Make a payment with Credit Card",
  "ActionType": "Pay with Credit Card",
  "Parameters": {
    "AuthorizeNetAPILoginID": "[Settings:AuthorizeNetAPILoginID]",
    "AuthorizeNetTransactionKey": "[Settings:AuthorizeNetTransactionKey]",
    "AuthorizeNetLiveMode": true,
    "AuthorizeNetTitle": "Conference Ticket",
    "AuthorizeNetCurrency": "USD",
    "AuthorizeNetAmount": "[Form:TotalPrice]",
    "AuthorizeNetTransactionType": "AUTH_CAPTURE",
    "AuthorizeNetCardNumber": "[Form:CardNumber]",
    "AuthorizeNetCCV": "[Form:CardCCV]",
    "AuthorizeNetExpirationMonth": "[Form:ExpMonth]",
    "AuthorizeNetExpirationYear": "[Form:ExpYear]",
    "AuthorizeNetFirstName": "[Form:FirstName]",
    "AuthorizeNetLastName": "[Form:LastName]",
    "AuthorizeNetAddress": "[Form:Address]",
    "AuthorizeNetCity": "[Form:City]",
    "AuthorizeNetState": "[Form:State]",
    "AuthorizeNetCountry": "[Form:Country]",
    "AuthorizeNetPostalCode": "[Form:PostalCode]",
    "AuthorizeNetResponseCodeTokenName": "ANet_ResponseCode",
    "AuthorizeNetResponseReasonCodeTokenName": "ANet_ReasonCode",
    "AuthorizeNetResponseReasonTextTokenName": "ANet_ReasonText",
    "AuthorizeNetResponseAuthorizationCodeTokenName": "ANet_AuthCode",
    "AuthorizeNetResponseTransactionIDTokenName": "ANet_TransactionID",
    "OnApproved": [
      {
        "Title": "Display Success Message",
        "ActionType": "DisplayMessage",
        "Parameters": {
          "Message": "Payment successful! Transaction ID: [ANet_TransactionID]"
        }
      }
    ],
    "OnDeclined": [
      {
        "Title": "Display Declined",
        "ActionType": "DisplayMessage",
        "Parameters": {
          "Message": "Payment declined: [ANet_ReasonText]"
        }
      }
    ],
    "OnError": [
      {
        "Title": "Display Error",