> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/direct-card-api-ji-cheng/direct-card-api-diao-yong-liu-cheng.md).

# Direct Card API 调用流程

<figure><img src="/files/a5n2vdIaxIurwrn1q2oM" alt=""><figcaption><p>Direct Card API 调用流程</p></figcaption></figure>

1. 用户在准备购买时会跳转至结账页面。
2. 用户输入卡片信息并提交。提交后，调用 [`/direct/charges` 接口](/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/direct-card-api-ji-cheng/ti-jiao-kou-kuan-qing-qiu.md)通过 vault proxy 发起支付请求。该请求会返回一个 charge 对象，其中包含与 3DS 相关的下一步操作详情。charge 对象作为支付请求的完整记录，在整个结账过程中跟踪支付状态等详细信息。在调用 `/direct/charges` 接口后，若请求未成功，支付状态将为 processing（处理中）或 failed（失败）。
3. 使用 charge.shopper\_action 对象中的 URL 和参数启动 3DS 流程，并向用户显示 3DS 页面以完成授权。如果无需授权，则跳过此步骤。
4. 授权步骤完成后，系统将通过[授权通知](/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/direct-card-api-ji-cheng/huo-qu-kou-kuan-zhuang-tai-bian-geng-tong-zhi.md)发送结果。如果授权成功，将进行欺诈风险检查，支付状态将更新为 authorized（已授权）。如果授权失败，将在授权通知中收到错误信息，支付状态将为 failed（失败）。
5. 如果授权和风险检查都成功，且你在调用 `/direct/charges` 接口时提供了 `pre_capture_ack_url` 参数，则会收到一个扣款确认请求，用于决定是否继续执行扣款操作。如果你同意继续，支付将被扣款；否则交易将被取消。
6. 扣款成功后，你将收到相应的通知。请注意，扣款成功通知可能会有几分钟的延迟。此时，支付状态将更新为 captured（已扣款）。
7. 期间，你可通过调用[交易状态查询接口](/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/direct-card-api-ji-cheng/huo-qu-kou-kuan-zhuang-tai-bian-geng-tong-zhi.md)检查交易状态，该接口将返回当前的 charge 对象状态。


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