# Initializing a Card Payment

<mark style="color:green;">`POST`</mark> `https://seerbitapi.com/api/v2/payments/initiates`

**How it works**

1. Collect the customers details (Fullname, Email and Mobile Number) and Card details.
2. Make a request to the payment service with the payment/initiates endpoint.
3. Based on the cardholders card type the seerBit selects an auth method.

{% tabs %}
{% tab title="cURL" %}

```javascript
curl --location 'https://seerbitapi.com/api/v2/payments/initiates' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer YOUR_ENCRYPTION_KEY' \
--data-raw '{
	
		"publicKey":"YOUR_PUBLIC_KEY",
		"amount":"100.00",
		"fee":"10",
		"fullName":"John Doe",
		"mobileNumber":"08032000001",
		"currency":"NGN",
		"country":"NG",
		"paymentReference":"LKJHGFDR123UI23992JN23R",
		"email":"johndoe@gmail.com",
		"productId":"Foods",
		"productDescription":"RASPBERRY",
		"clientAppCode":"kpp64",
		"redirectUrl":"",
		"paymentType":"CARD",
		"channelType":"Mastercard",
		"deviceType":"Apple Laptop",
	  	"sourceIP":"127.0.0.1:3456",
		"cardNumber":"12345678900929",
		"cvv":"123",
		"expiryMonth":"12",
		"expiryYear":"26",
		"pin":"0000",
		"retry":"false"
}'
```

{% endtab %}

{% tab title="Response" %}

```javascript
{
    "status": "SUCCESS",
    "data": {
        "code": "S20",
        "payments": {
            "paymentReference": "LKJHGFDR123UI23992JN23R",
            "linkingReference": "F468778061587905955047"
        },
        "message": "Kindly enter OTP"
    }
}
```

{% endtab %}
{% endtabs %}