Take payments

DCDial can collect payments from the account holders in your lists in several ways. Pick the one that fits the moment.

Payment linkA secure link the account holder opens to pay. Nothing touches your servers.

Payment agreementA schedule of payments the account holder signs and DCDial collects.

Process a paymentCharge a card or bank account right now.

Manual paymentRecord a payment received outside DCDial (cash, check, wire).

These endpoints reach real people and move real money

Build and test against QA. In production, never retry a payment request until you have confirmed the first one failed with Get payment status.

Payment links (recommended)

Create a payment link returns a short URL for one account. Send it yourself, or set communication_method=sms and DCDial texts it to the account’s phone number.

curl https://api.dcdial.com/api/ \
  -d type=get_payment_link \
  -d token="$DCDIAL_TOKEN" \
  -d company_id=101 \
  -d account_id=ACC-10045 \
  -d amount=150.00

{ "response": { "success": 1, "account_id": "ACC-10045", "payment_link": "https://pay.dcdial.com/…" } }

The account holder enters their card or bank details on DCDial’s payment page, so your systems never handle them.

Payment agreements

Create payment agreement sets up a schedule: a start date, a number of payments, an amount and a frequency (weekly, monthly, …), or explicit billing_dates and billing_amounts. DCDial sends the agreement to the account holder by SMS, email or both (communication_method) to review and sign.

• Get agreement details returns the agreement and what has been paid.
• Get payment schedule lists every scheduled payment with its date, amount and status.
• Get agreement document returns the signed document.
• Cancel agreement stops future payments.

Charging directly

Process a payment charges a card (payment_method=CC) or bank account (ACH) immediately, and can set up recurring payments (isrecurring=Y).

Card data and PCI DSS

Sending card numbers to this endpoint puts your servers in scope for PCI DSS. Prefer payment links or agreements, where the account holder enters card details on DCDial’s hosted page.

After the payment

• Get payment status checks a transaction by invoice or transaction ID.
• Refund a payment refunds all or part of a charge.
• Void a payment marks a recorded payment as removed (refunded, NSF, charged back).
• Get notified of every transaction with the transaction webhook.