Quick Start

This guide shows the fastest way to take an e-commerce card payment using the TransactDirect Checkout Page: a single HTML form that posts a customer straight to Monek's hosted, 3-D Secure protected payment page.

info

This example passes transaction fields directly for simplicity. For production integrations, use Prepared Payments to keep merchant and transaction configuration off the client.

Step 1: Build the payment form

Create an HTML form that POSTs to the Elite full Checkout endpoint:

https://elite.monek.com/Secure/Checkout.aspx

Include the mandatory fields required by every TransactDirect transaction, along with two extras for this example: ThreeDSAction=ACSDIRECT so 3-D Secure is handled automatically, and PaymentReference so you can identify the transaction against your own order records.

<form action="https://elite.monek.com/Secure/Checkout.aspx" method="post">
    <input type="hidden" name="MerchantID" value="0000000" />
    <input type="hidden" name="Amount" value="1002" />
    <input type="hidden" name="CurrencyCode" value="826" />
    <input type="hidden" name="CountryCode" value="826" />
    <input type="hidden" name="Dispatch" value="NOW" />
    <input type="hidden" name="MessageType" value="ESALE_KEYED" />
    <input type="hidden" name="ResponseAction" value="JSON" />
    <input type="hidden" name="ThreeDSAction" value="ACSDIRECT" />
    <input type="hidden" name="PaymentReference" value="ORDER-10024" />

    <button type="submit">Pay Now</button>
</form>

Field notes:

Field	Value in this example	Why
MerchantID	Your Monek merchant ID	Identifies your account. Request test credentials from support@monek.com.
Amount	1002	Minor currency units, no decimal point — this is £10.02.
CurrencyCode	826	Sterling. See Common Currency Codes for others.
CountryCode	826	UK merchant location.
Dispatch	NOW	Authorises and dispatches the transaction immediately.
MessageType	ESALE_KEYED	E-commerce sale, card keyed by the cardholder.
ResponseAction	JSON	Returns a structured JSON result once the transaction completes.
ThreeDSAction	ACSDIRECT	The simplest 3-D Secure option — TransactDirect handles the ACS redirect and response automatically.
PaymentReference	ORDER-10024	Your own order/reference identifier for this transaction.

Amount, CountryCode, CurrencyCode, Dispatch, MerchantID, MessageType, and ResponseAction are mandatory on every request — see the full Mandatory Generic Transaction Request Fields table for details.

Step 2: Customer completes the Checkout Page

When the customer clicks Pay Now, their browser is posted to the Checkout Page carrying the fields above. From here Monek takes over:

1. The cardholder enters their card details directly on the Checkout Page.
2. TransactDirect performs EMV 3-D Secure authentication. Because ThreeDSAction=ACSDIRECT was set, any issuer challenge is handled automatically — no extra code is required on your side.
3. TransactDirect authorises the transaction and, because ResponseAction=JSON was requested, returns the result as a JSON structure, for example:

{
    "amount": "1002",
    "currencyCode": "826",
    "countryCode": "826",
    "result": {
        "crossReference": "240401101112457459X2R",
        "responseCode": "00",
        "responseMessage": "AUTHCODE:457459",
        "authorisationCode": "457459"
    }
}

See Transaction Response for the full set of response fields and the other available ResponseAction formats.

Next steps

• Submit a payment with a test card — use the Test Cards reference to run a transaction end-to-end without a live card.
• Configure more Checkout options — customise cancel links, styling, and payment buttons using the Page Configuration Fields, or explore the other Recommended Features such as Webhooks and the Integrity Digest.
• Implement Prepared Payments — move your transaction fields off the client and into a secure, server-to-server call with Prepared Payments, the recommended approach for production integrations.