CardAcquisition reads the card before committing to a payment — the two-step pattern. Use it when the card identity changes what happens next: loyalty recognition, card-type-dependent pricing, or checkout flows where the basket closes after the card is known.
Step 1 — acquire the card
POST /acquisition:
"CardAcquisitionRequest": {
"SaleData": {"OperatorID": "Cashier_01", "SaleTransactionID": {"TransactionID": "9990", "TimeStamp": "2026-07-06T10:00:00.0+02:00"}},
"CardAcquisitionTransaction": {"TotalAmount": "11.99", "PaymentType": "Normal", "CashBackFlag": "false"},
"AmountsReq": {"Currency": "EUR", "RequestedAmount": "11.99"}
}The cardholder presents their card; the response identifies it (masked PAN, brand, entry mode) without charging it.
Step 2 — complete with a payment
Send a standard payment whose PaymentData carries a CardAcquisitionReference — the SaleTransactionID (ID + timestamp) of the acquisition:
"PaymentRequest": {
"PaymentData": {"CardAcquisitionReference": {"TimeStamp": "2026-07-06T10:00:00.0+02:00", "TransactionID": "9990"}},
"PaymentTransaction": {"AmountsReq": {"Currency": "EUR", "RequestedAmount": "11.99"}},
"SaleData": {"OperatorID": "Cashier_01", "SaleTransactionID": {"TimeStamp": "...", "TransactionID": "9991"}}
}The amount may differ from step 1 — the reference links the card, not the price. The payment then completes without re-presenting the card.
Abandoning an acquisition
If the sale is cancelled between the two steps, release the acquisition with POST /acquisition/abort. Do not leave acquisitions dangling — an unreleased acquisition blocks the flow the cardholder experiences.
Standalone acquisition
CardAcquisition also runs standalone (card-only flows, identification without payment) — conditional on your use case, certified only when in scope. Donation amounts can ride on an acquisition through the same MarketpayPaymentExtensions.AdditionalAmount block as payments.
Related
- Taking a payment — step 2 is a standard payment in every other respect.
- Payment features — cashback flag and donation in the two-step flow.