Full Transaction Lifecycle — Digital Wallet

Frontend

CollectJS.configure({
  googlePay: true, applePay: true,
  paymentRequest: { total: { label: 'Order', amount: { currency: 'USD', value: '49.99' } } },
  callback: function(token) {
    fetch('/api/process', {
      method: 'POST',
      headers: { 'Content-Type': 'application/json' },
      body: JSON.stringify({ payment_token: token.token, amount: '49.99', save: true })
    }).then(r => r.json()).then(data => {
      if (data.success) window.location = '/thank-you?txn=' + data.txid;
      else showError(data.message);
    });
  },
});

Backend — Process + Store in Vault

$data = json_decode(file_get_contents('php://input'), true);
$post = array(
    'security_key'      => YOUR_PRIVATE_KEY,
    'type'              => 'sale',
    'amount'            => $data['amount'],
    'payment_token'     => $data['payment_token'],
    'customer_vault'    => 'add_customer',
    'customer_vault_id' => 'USER-' . $_SESSION['user_id'],
    'order_id'          => generate_order_id(),
);
$result = gateway_post($post);
if ($result['response'] == '1') {
    save_vault_id($_SESSION['user_id'], $result['customer_vault_id']);
    echo json_encode(['success' => true, 'txid' => $result['transactionid']]);
} else {
    echo json_encode(['success' => false, 'message' => $result['responsetext']]);
}