Authorize Payment

This endpoint initiates an authorization referring to a specific stored payment instrument with a paymentInstrumentReference requried in the request.

The endpoint starts an online transaction that:

• Tries a low-value expemption if applicable (supported by the payment method and amount lower than limits). If successful, a success response is returned.
• If the low-value expeption is not possible or the issuer requires authentication, a checkoutUrl for rendering is included in the response. If no checkoutUrl is included in the response, the Authorize request is approved or declined without shopper interaction.

All subsequent operations — such as capture, cancel, refund, update, and status retrieval — must refer to the pspReference generated by this request.

Request Structure

{
  "header": {
    "merchantId": "Aera Merchant ID",
    "idempotency-key": "UUID v7 provided by merchant to uniquely identify the request"
  },
  "body": {    
    "transactionData": {
      "merchantReference": "Merchant provided reference to the payment (e.g. order number)",
      "paymentInstrumentReference": "Mandatory: Reference to a pre selected payment instrument",
      "immediateCapture": "Optional, true if immediate capture requested, default false",
      "splitShipment": "Optional, true if shipment potentially can be split into multiple shipments",
      "amountDetails": {
        "amount": "Gross amount in minor units",
        "currency": "ISO 4217 alphabetic code (e.g.NOK), must be the same as the merchant currency"        }
    }
  }
}

Response Structure

The response contains session metadata and checkout information.

{
  "responseInfo": {
    "responseCode": "000",
    "responseText": "Approved"
  },
  "sessionInfo": {
    "pspReference": "018f7a2e-8f5c-7a9b-b123-123456789abc",
    "createdAt": "2026-03-01T10:15:30Z",
    "expiredAt": "2026-03-01T10:30:30Z",
  }
}

Field reference: Authorize Payment

HTTP Headers

Request body

transactionData object

transactionData.amountDetails

Field reference: response

High-level processing result information.

sessionInfo

Authorize Payment metadata.