Your PCI server creates the charge. Never put the card or secret key in a browser.

Sandbox and live

Create

POST /v1/s2s/payments with Authorization: Bearer sk_….
This uses the 2D sandbox card. Every test card is on Testing cards.

Response

Create returns three fields. 2D includes a charge. 3D includes next_action.
Only order_id from metadata is sent back on webhooks.

Read

Status values are in Payment statuses.