Transfer from card to card

One request debits the sender card and credits the recipient card.

Sign the request with the secret key: see Sync API Overview.

If pg_3ds = 1 is returned, the client completes 3DS, then call Transfer from card to card: complete 3DS.

If pg_status = pending and pg_3ds = 0, get the result with Get transfer status.

To save a card, pass pg_user_id and pg_save_sender_card = 1 or pg_save_recipient_card = 1.
Pass the returned token in pg_card_token or pg_card_recipient_token with the same pg_user_id in the next transfers.

Transfer flow

Special token

The special token 2d0b504c-b95d-4cf6-b782-5a7d13ab2c85 skips one part of the transfer.

In pg_card_token: only the credit to the recipient card is made; the sender card is not debited.

In pg_card_recipient_token: only the debit from the sender card is made; nothing is credited.

pg_user_id is required when the special token is passed.

Result

`pg_status`	Meaning	Next step
`ok`	The transfer is made.	Nothing else is needed.
`pending`, `pg_3ds = 1`	3DS is required.	Open `pg_3d_acsurl` for the client, then call Transfer from card to card: complete 3DS.
`pending`, `pg_3ds = 0`	The transfer is in process.	Get the result with Get transfer status.
`error` with `pg_payment_id`	The transfer is declined.	See `pg_error_code`.
`error` without `pg_payment_id`	The request is rejected.	See «Errors» below.

Errors

The HTTP status is always 200; the error is returned in pg_error_code and pg_error_description.

`pg_error_code`	When	What to do
`94031`	A field has an invalid value: currency, card token, or a card is saved without `pg_user_id`.	Fix the request.
`11005`	`pg_amount` and `pg_amount_to` are not passed, or the amount is out of range.	Pass a valid amount.
`10000`	A required field is not passed, for example a currency.	Fix the request.
`1100`	The signature is missing or invalid, or `pg_merchant_id` is not found. If the merchant is not found, the response is not signed.	Check the merchant ID and the signature with the secret key.
`10017`	The sender card is expired.	Ask the client for another card.
`10045`	The bank declined the card for security reasons.	Ask the client to contact the bank.
Other codes	The payment system declined the transfer.	See Error codes.

Request example

Transfer by card details: required fields only. pg_sig is calculated with the secret key test_secret_key.
Line breaks in the body are added for readability: send the body as one line.

Responses

🟢200Success

application/xml

Bodyapplication/xml

Examples

SuccessSaved cardsTransfer in process3DS required

<?xml version="1.0" encoding="utf-8"?>
<response>
    <pg_payment_id>1019073901280</pg_payment_id>
    <pg_order_id>tr-b9258acb</pg_order_id>
    <pg_payment_amount>1000</pg_payment_amount>
    <pg_status>ok</pg_status>
    <pg_currency_from>KZT</pg_currency_from>
    <pg_payment_date>2026-10-19 17:14:17</pg_payment_date>
    <pg_payment_status>success</pg_payment_status>
    <pg_3ds>0</pg_3ds>
    <pg_card_mask>4400-44XX-XXXX-4440</pg_card_mask>
    <pg_payout_amount>1000</pg_payout_amount>
    <pg_currency_to>KZT</pg_currency_to>
    <pg_card_recipient_mask>4400-44XX-XXXX-4440</pg_card_recipient_mask>
    <pg_datetime>2026-10-19T12:14:17+00:00</pg_datetime>
    <pg_salt>bp8wSyLBBvZ7REx3</pg_salt>
    <pg_sig>0375fe3ccdf4638862c5092c7fe00f7c</pg_sig>
</response>

🟢200Error

Transfer from card to card

Transfer flow#

Special token#

Result#

Errors#