# Create Payment

## Create Payment (Checkout)

Note

This call must be performed from your backend server!\
The Create-checkout-link call requires your **private\_key** (your secret password) which should not be exposed on the client-side.

Learn how to make a [Payment request](/reference/#tag/payin/POST/pay-ins/checkout).

## Example of a Request Payload for a SaaS Platform:

Note

For a SaaS platform, the payload should not include an items array, and the vendor ID must be sent directly as a separate parameter.

* JSON

  ```json
  {
    "amount": 100,
    "currency": "GBP",
    "vendorId": "66532df5d55926b2b12a874a",
    "reference": "1000456",
    "description": "Service June",
    "email": "test@test.com", //consumer email
    "country": "GB",
    "invoiceUrl": "http://yourcompany.com/invoice.pdf",
    "dueDate": "2020-12-13", //OPTIONAL
    "vatAmount": 19, //OPTIONAL
    "successfulPaymentRedirect": "http://yourcompany.com/redirect", //OPTIONAL
    "paymentMethods": ["bankTransfer"], // creditCard, bankTransfer, directDebit, apm
    "consumer": {
      "name": "Raul Runte",
      "reference": "CON-REF-123",
    }
  }
  ```

## Example of a Request Payload for a Marketplace Platform:

Note

For a Marketplace Platform, the vendor ID is included within the items array, allowing for multiple items and vendors, with the payment being split accordingly.

* JSON

  ```json
  {
    "amount": 100,
    "currency": "GBP",
    "orderId": "1000456",
    "description": "Iphone case",
    "email": "test@test.com",
    "phone": "+447911123456",
    "country": "GB",
     "reference": "100456",
    "invoiceUrl": "http://yourcompany.com/invoice.pdf",
    "dueDate": "2020-12-13", //OPTIONAL
    "vatAmount": 19, //OPTIONAL
    "successfulPaymentRedirect": "http://yourcompany.com/redirect", //OPTIONAL
    "items": [
      {
        "name": "Iphone case",
        "amount": 100,
        "vendorId": "5ee8e655a65f08fcd71fe4d9",
        "platformFee": 0,
        "quantity": 1
      }
    ],
    "consumer": {
      "name": "Raul Runte",
      "reference": "CON-REF-123",
    },
    "billingAddress": {
      "firstName": "string",
      "lastName": "string",
      "city": "London",
      "country": "GB",
      "line1": "64 New Cavendish Street",
      "line2": "",
      "postalCode": "W1G 8TB",
      "state": ""
    },
    "shippingSameAsBilling": true,
    "shippingAddress": {
      "firstName": "string",
      "lastName": "string",
      "city": "London",
      "country": "GB",
      "line1": "64 New Cavendish Street",
      "line2": "",
      "postalCode": "W1G 8TB",
      "state": ""
    },

    "metadata": {
      "CustomerID": "457349"
    }
  }
  ```

In the response you will find the **shortLink** field, which contains the URL of the checkout page.

## Optional address fields

We highly recommend you pass information about the consumer's address when creating a checkout. Passing the billing and shipping (for physical goods) addresses will increase the success rate of the transaction.

In case shipping address is not applicable (for non-physical goods), set the `shippingSameAsBilling` flag to `true`.

**Note:** Add a 2-letter ISO `state` code (for customers based in the US, Canada, and India only).