> For the complete documentation index, see [llms.txt](https://doc.paynet.com.tr/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.paynet.com.tr/english/transaction/financialization.md).

# Financialization

The service where financialization has done for the relevant amount or less than the relevant amount from the credit card in pre-authorized transactions.

{% hint style="info" %}
This service is only used for capturing pre-provision type transactions.
{% endhint %}

{% hint style="warning" %}
To use the financialization service, you must perform basic authentication with the secret\_key. [See More](https://doc.paynet.com.tr/authentication#secret-key)
{% endhint %}

{% hint style="success" %}
[https://api.paynet.com.tr/v1/transaction/capture
](<https://api.paynet.com.tr/v1/transaction/capture&#xD;>)
{% endhint %}

{% tabs %}
{% tab title="Request Parameters" %}

| Parameter Name    | Type   | Required | Description                                                                                                                                                                                                 |
| ----------------- | ------ | -------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **xact\_id**      | string | Yes\*    | Encrypted Transaction Id.                                                                                                                                                                                   |
| **xact**          | string | Yes\*    | Transaction Id.                                                                                                                                                                                             |
| **reference\_no** | string | Yes\*    | Reference number of the related transaction                                                                                                                                                                 |
| **amount**        | string | No       | The amount at which financialization is wished. The amount must be multiplied by 100. It should be sent as like “10.00 TL” => “1000”. If it is sent empty, the full pre-authorization amount will be taken. |

{% endtab %}

{% tab title="Response Parameters" %}

| Parameter Name               | Type     | Description                                                                                                                                                                                                                               |
| ---------------------------- | -------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **xact\_id**                 | string   | Encrypted Transaction Id.                                                                                                                                                                                                                 |
| **xact\_date**               | datetime | Transaction Date.                                                                                                                                                                                                                         |
| **transaction\_type**        | char     | 1 for sale 4 for financialization                                                                                                                                                                                                         |
| **pos\_type**                | char     | 5: Paynet POS                                                                                                                                                                                                                             |
| **is\_tds**                  | bool     | If the transaction performed with 3D,this value return as true.                                                                                                                                                                           |
| **agent\_id**                | string   | Paynet agent code of the dealer that performed the transaction.                                                                                                                                                                           |
| **user\_id**                 | string   | The user who performing the transaction.                                                                                                                                                                                                  |
| **email**                    | string   | Mail address.                                                                                                                                                                                                                             |
| **phone**                    | string   | Phone number.                                                                                                                                                                                                                             |
| **bank\_id**                 | char     | The bank's code in the Paynet system.                                                                                                                                                                                                     |
| **instalment**               | int      | Installment count.[See More](https://doc.paynet.com.tr/genel-bilgiler/taksit-kodlari)                                                                                                                                                     |
| **ratio**                    | float    | Rate that used during transaction.                                                                                                                                                                                                        |
| **card\_no\_masked**         | string   | Masked card number.                                                                                                                                                                                                                       |
| **card\_holder**             | string   | Card owner.                                                                                                                                                                                                                               |
| **amount**                   | decimal  | Amount that withdrawn from credit card.                                                                                                                                                                                                   |
| **net\_amount**              | decimal  | Amount without commission.                                                                                                                                                                                                                |
| **comission**                | decimal  | Comission.                                                                                                                                                                                                                                |
| **comission\_tax**           | decimal  | Comission tax.                                                                                                                                                                                                                            |
| **currency**                 | char     | Currency.                                                                                                                                                                                                                                 |
| **authorization\_code**      | string   | Bank confirmation code.                                                                                                                                                                                                                   |
| **reference\_code**          | string   | Bank reference code.                                                                                                                                                                                                                      |
| **order\_id**                | string   | Bank order no.                                                                                                                                                                                                                            |
| **is\_succeed**              | bool     | It returns true if the transaction successful. If the transaction is successful, it returns as http 200 and and is\_succeed return as true. If the bank does not approve transaciton, it returns http 200 and is\_succed return as false. |
| **paynet\_error\_id**        | string   | Paynet system error code.                                                                                                                                                                                                                 |
| **paynet\_error\_message**   | string   | Paynet system error code.                                                                                                                                                                                                                 |
| **bank\_error\_id**          | string   | Bank error code.                                                                                                                                                                                                                          |
| **bank\_error\_message**     | string   | Bank error message.                                                                                                                                                                                                                       |
| **bank\_error\_short\_desc** | string   | Bank error message.                                                                                                                                                                                                                       |
| **bank\_error\_long\_desc**  | string   | Bank error message.                                                                                                                                                                                                                       |
| **object\_name**             | string   | Transaction.                                                                                                                                                                                                                              |
| **code**                     | string   | System result code . [See more](https://doc.paynet.com.tr/genel-bilgiler/hata-kodlari/doenues-kodlari)                                                                                                                                    |
| **message**                  | string   | System message.                                                                                                                                                                                                                           |
| {% endtab %}                 |          |                                                                                                                                                                                                                                           |

{% tab title="Request" %}

```
{  
   "xact_id":"xk_EAAAANFhOW7SioFxO8LHPMruxp0hX3wE8NmJSmGUD*W3uISj"  ,
    "amount":"100"
}
```

{% endtab %}

{% tab title="Response" %}

```
{
"xact_id": "xk_EAAAAIO6j*mZ24gKFpk739cUeuL9P7oKyavBUO0Rbe7WKYXG",
"xact_date": "2016-04-08T10:27:22.0296925+03:00",
"transaction_type": 4,
"pos_type": 5,
"is_tds": true,
"agent_id": "20005",
"user_id": "cardholder",
"email": "",
"phone": "",
"bank_id": "AXSS",
"instalment": 3,
"ratio": 0.04,
"card_no_masked": "435508******4358",
"card_holder": "GJH",
"amount": 0,
"net_amount": 56.55,
"comission": 2.37,
"comission_tax": 0.43,
"currency": "TRY",
"authorization_code": "aut-8229",
"reference_code": "ref-8229",
"order_id": "order-8229",
"is_succeed": true,
"paynet_error_id": "",
"paynet_error_message": "",
"bank_error_id": "",
"bank_error_message": "",
"bank_error_short_desc": "",
"bank_error_long_desc": "",
"object_name": "transaction",
"code": 0,
"message": "Başarılı İşlem"
}
```

{% endtab %}

{% tab title="Service Url" %}

| System          | URL                                                    |
| --------------- | ------------------------------------------------------ |
| **Live System** | <https://api.paynet.com.tr/v1/transaction/capture>     |
| **Test System** | <https://pts-api.paynet.com.tr/v1/transaction/capture> |
| {% endtab %}    |                                                        |
| {% endtabs %}   |                                                        |

{% hint style="info" %}
At least one of the **xact\_id**, **xact** and **reference\_no** fields is required.
{% endhint %}