> For the complete documentation index, see [llms.txt](https://apis.seerbit.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://apis.seerbit.com/api-endpoints/card-payment/scenario-2-master-card-and-visa-card-type.md).

# Scenario 2 (Master Card and Visa Card Type)

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

**Scenario 2 (Master Card and Visa Card Type)**

1. The occurs for 3D secure card transactions.
2. After the payment has been initiated, the card holder gets prompted to complete the payment on the card's bank page.
3. For a successful initial call, code S20 will be returned with a redirect link in the redirectUrl field, merchant is expected to redirect to the link. Because of this merchant is expected to always pass the redirectUrl link that SeerBit should come back to after the payment is completed on 3Ds site.

{% 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 '{
	"transaction":
		{
		 "linkingreference":"F468778061587905955047",
         "otp":"496865"
         }
}'
```

{% endtab %}

{% tab title="Response" %}

```javascript
{
	"status": "SUCCESS",
	"data": {
			"code": "S20",
			"payments": {
					"paymentReference": "LKJHGFDR123UI23992JN23R",
					"linkingReference": "F468778061587905955047",
					"redirectUrl": "https://seerbitapigateway.com/seerbit/card-dispatch sredref=F468778061587905955047"
			},
			"message": "Transaction is pending"
	}
}
```

{% endtab %}
{% endtabs %}