feat: add ChargeCardTokenAsync for charging a tokenized reusable card

CHANGELOG.md

@@ -9,6 +9,12 @@ Each entry that introduces or changes an API call should cross-reference the
 relevant row in [docs/COMPATIBILITY.md](docs/COMPATIBILITY.md), since the SDK's
 own version is independent of Monnify's API versioning.
 
+## [Unreleased]
+
+### Features
+
+* add `ChargeCardTokenAsync` (`IMonnifyCollectionsClient`) — charges a previously tokenized, reusable card in one call, no OTP/3DS follow-up
+
 ## [1.0.0](https://github.com/Monnify/monnify-dotnet-lib/compare/v0.11.0...v1.0.0) (2026-07-02)
 
 

README.md

@@ -7,17 +7,20 @@
 An idiomatic .NET SDK for the [Monnify](https://developers.monnify.com)
 payment gateway API, targeting `netstandard2.0` and `net8.0`.
 
-> **Status: early release (pre-1.0).** Published on NuGet.org starting with
-> `0.1.0` — the public API may still change before a stable `1.0`. See
-> [docs/COMPATIBILITY.md](docs/COMPATIBILITY.md) for every endpoint this SDK
-> calls and how it was verified.
+> **Status: stable (`1.0`).** Every endpoint this SDK calls has shipped. See
+> [docs/COMPATIBILITY.md](docs/COMPATIBILITY.md) for each one's verification
+> status — all are sandbox-verified except `ChargeCardTokenAsync`, which
+> needs a reusable card token from a successful `ChargeAsync` call to test
+> end-to-end, currently blocked by a sandbox card-BIN issue.
 
 ## Features
 
 - **Collections** — hosted checkout, reserved (virtual) accounts, invoices,
-  bank-transfer payment links, transaction search
+  bank-transfer payment links, card transactions (charge, tokenized-card
+  charge, OTP, 3DS authorize), refunds, transaction limit profiles,
+  sub-accounts/splitting, direct debit mandates, paycodes, transaction search
 - **Disbursements** — single and bulk transfers, OTP authorization, wallet
-  balance, transaction search
+  balance, customer wallets, transaction search
 - **Bills payment** — airtime, data, cable TV, electricity, and other billers
 - **Verification** — account name enquiry, BVN/NIN checks
 - **Banks** — bank list, USSD-enabled banks

docs/COMPATIBILITY.md

@@ -50,7 +50,7 @@ Status legend:
 | `IMonnifyCollectionsClient.GetPaycodeAsync` | `GET /api/v1/paycode/{paycodeReference}` | **Implemented** | Returns masked paycode; response omits `requestSuccessful` field (handled via nullable envelope) |
 | `IMonnifyCollectionsClient.CancelPaycodeAsync` | `DELETE /api/v1/paycode/{paycodeReference}` | **Implemented** | Returns the cancelled paycode object; sandbox discovered undocumented `cancelDate` field |
 | `IMonnifyCollectionsClient.GetUnmaskedPaycodeAsync` | `GET /api/v1/paycode/{paycodeReference}/authorize` | **Implemented** | Returns the unmasked paycode value (e.g. `04797046` instead of `******46`) |
-| *(Collections — card tokenization)* | TBD | Planned | |
+| `IMonnifyCollectionsClient.ChargeCardTokenAsync` | `POST /api/v1/merchant/cards/charge-card-token` | **Implemented** | Charges a previously tokenized, reusable card in one call - no OTP/3DS follow-up. Response shape matches `Transaction` exactly (`cardDetails.cardToken`/`.reusable` already modeled there). Automatic retry disabled, same reasoning as `ChargeAsync` - directly debits a card. Not yet sandbox-verified end-to-end (needs a `reusable: true` card token from a prior successful charge, which the sandbox BIN issue on `ChargeAsync` currently blocks) |
 | *(Collections — Payment Links)* | N/A | Out of scope | Dashboard-only feature, no API |
 | `IMonnifyDisbursementsClient.InitiateSingleTransferAsync` | `POST /api/v2/disbursements/single` | **Implemented** | Requires Transfer feature activation (sales@monnify.com); automatic retry disabled |
 | `IMonnifyDisbursementsClient.AuthorizeSingleTransferAsync` | `POST /api/v2/disbursements/single/validate-otp` | **Implemented** | For a transfer with status `PENDING_AUTHORIZATION` |

src/Monnify/Collections/IMonnifyCollectionsClient.cs

@@ -67,6 +67,14 @@ Task<BankTransferPaymentDetails> InitiateBankTransferAsync(
     /// </summary>
     Task<AuthorizeCardOtpResult> Authorize3dsAsync(Authorize3dsCardRequest request, CancellationToken cancellationToken = default);
 
+    /// <summary>
+    /// Charges a previously tokenized, reusable card in a single call - no raw card details, no
+    /// OTP/3DS follow-up. The token comes from <see cref="TransactionCardDetails.CardToken"/> on an
+    /// earlier <see cref="ChargeAsync"/> result where <see cref="TransactionCardDetails.Reusable"/>
+    /// was <see langword="true"/>; the customer email must match that original charge.
+    /// </summary>
+    Task<Transaction> ChargeCardTokenAsync(ChargeCardTokenRequest request, CancellationToken cancellationToken = default);
+
     /// <summary>Searches transactions on the integration, optionally filtered by reference, amount range, customer, status, or date range.</summary>
     Task<MonnifyPagedResult<TransactionSummary>> SearchTransactionsAsync(
         SearchTransactionsRequest? filter = null, int page = 0, int size = 10, CancellationToken cancellationToken = default);

src/Monnify/Collections/Models/Transactions/ChargeCardTokenRequest.cs

@@ -0,0 +1,48 @@
+using System.Text.Json.Serialization;
+
+namespace Monnify.Collections;
+
+/// <summary>
+/// Charges a previously tokenized, reusable card - see <see cref="TransactionCardDetails.CardToken"/>
+/// on a prior charge's result (only present when <see cref="TransactionCardDetails.Reusable"/> is
+/// <see langword="true"/>). Unlike <see cref="ChargeCardRequest"/>, this needs no raw card details
+/// and completes in one call - no OTP/3DS follow-up.
+/// </summary>
+public sealed class ChargeCardTokenRequest
+{
+    [JsonPropertyName("cardToken")]
+    public string CardToken { get; set; } = string.Empty;
+
+    [JsonPropertyName("amount")]
+    public decimal Amount { get; set; }
+
+    [JsonPropertyName("customerName")]
+    public string? CustomerName { get; set; }
+
+    /// <summary>Must match the customer email used on the original charge that produced this card token.</summary>
+    [JsonPropertyName("customerEmail")]
+    public string CustomerEmail { get; set; } = string.Empty;
+
+    [JsonPropertyName("paymentReference")]
+    public string PaymentReference { get; set; } = string.Empty;
+
+    [JsonPropertyName("paymentDescription")]
+    public string? PaymentDescription { get; set; }
+
+    [JsonPropertyName("currencyCode")]
+    public string CurrencyCode { get; set; } = "NGN";
+
+    [JsonPropertyName("contractCode")]
+    public string ContractCode { get; set; } = string.Empty;
+
+    /// <summary>The merchant's API key (your <c>MonnifyClientOptions.ApiKey</c>).</summary>
+    [JsonPropertyName("apiKey")]
+    public string ApiKey { get; set; } = string.Empty;
+
+    [JsonPropertyName("metaData")]
+    public IDictionary<string, object?>? MetaData { get; set; }
+
+    /// <summary>Splits this payment among sub-accounts, same as on <see cref="CreateInvoiceRequest"/>.</summary>
+    [JsonPropertyName("incomeSplitConfig")]
+    public IReadOnlyList<IncomeSplitConfig>? IncomeSplitConfig { get; set; }
+}

src/Monnify/Collections/MonnifyCollectionsClient.cs

@@ -244,6 +244,20 @@ public Task<AuthorizeCardOtpResult> Authorize3dsAsync(Authorize3dsCardRequest re
         return SendAsync<AuthorizeCardOtpResult>(httpRequest, cancellationToken);
     }
 
+    public Task<Transaction> ChargeCardTokenAsync(ChargeCardTokenRequest request, CancellationToken cancellationToken = default)
+    {
+        if (request is null)
+        {
+            throw new ArgumentNullException(nameof(request));
+        }
+
+        var httpRequest = new HttpRequestMessage(HttpMethod.Post, MonnifyApiPaths.Collections.Cards.ChargeToken)
+        {
+            Content = CreateJsonContent(request),
+        };
+        return SendAsync<Transaction>(httpRequest, cancellationToken);
+    }
+
     public Task<MonnifyPagedResult<TransactionSummary>> SearchTransactionsAsync(
         SearchTransactionsRequest? filter = null, int page = 0, int size = 10, CancellationToken cancellationToken = default)
     {

src/Monnify/Http/MonnifyApiPaths.cs

@@ -54,6 +54,7 @@ internal static class Invoices
         internal static class Cards
         {
             public const string Charge = "/api/v1/merchant/cards/charge";
+            public const string ChargeToken = "/api/v1/merchant/cards/charge-card-token";
             public const string AuthorizeOtp = "/api/v1/merchant/cards/otp/authorize";
             public const string Authorize3ds = "/api/v1/sdk/cards/secure-3d/authorize";
         }

tests/Monnify.Tests/Collections/Transactions/MonnifyCollectionsClientCardsTests.cs

@@ -159,4 +159,57 @@ public async Task Authorize3dsAsync_NullRequest_Throws()
         var client = CreateClient(new FakeHttpMessageHandler());
         await Assert.ThrowsAsync<ArgumentNullException>(() => client.Authorize3dsAsync(null!));
     }
+
+    [Fact]
+    public async Task ChargeCardTokenAsync_SendsPostWithJsonBody_AndDeserializesResult()
+    {
+        // Sample payload from our official API reference (POST /api/v1/merchant/cards/charge-card-token).
+        var handler = new FakeHttpMessageHandler();
+        handler.Enqueue(HttpResponseFactory.Json(HttpStatusCode.OK, """
+            { "requestSuccessful": true, "responseMessage": "success", "responseCode": "0",
+              "responseBody": {
+                "transactionReference": "MNFY|87|20230602223418|007039",
+                "paymentReference": "1642776mml0068n2937",
+                "amountPaid": "20.00", "totalPayable": "20.00", "settlementAmount": "19.68",
+                "paidOn": "02/06/2023 10:34:26 PM", "paymentStatus": "PAID",
+                "paymentDescription": "Paying for Product A", "currency": "NGN", "paymentMethod": "CARD",
+                "product": { "type": "API_NOTIFICATION", "reference": "1642776mml0068n2937" },
+                "cardDetails": {
+                  "cardType": "MasterCard", "last4": "9098", "expMonth": "07", "expYear": "23",
+                  "bin": "539941", "bankCode": "057", "bankName": "Zenith bank", "reusable": true,
+                  "countryCode": "string", "cardToken": "MNFY_0CD0138B45F7478E941C3EC6D3698969",
+                  "supportsTokenization": false, "maskedPan": "539941******9098"
+                },
+                "customer": { "email": "benjikali29@gmail.com", "name": "Marvelous Benji" }
+              } }
+            """));
+        var client = CreateClient(handler);
+
+        var result = await client.ChargeCardTokenAsync(new ChargeCardTokenRequest
+        {
+            CardToken = "MNFY_0CD0138B45F7478E941C3EC6D3698969",
+            Amount = 20,
+            CustomerName = "Marvelous Benji",
+            CustomerEmail = "benjikali29@gmail.com",
+            PaymentReference = "1642776mml0068n2937",
+            PaymentDescription = "Paying for Product A",
+            ContractCode = "5867418298",
+            ApiKey = "MK_TEST_PLACEHOLDER123",
+        });
+
+        Assert.Equal(HttpMethod.Post, handler.Requests[0].Method);
+        Assert.Equal("/api/v1/merchant/cards/charge-card-token", handler.Requests[0].RequestUri!.AbsolutePath);
+        Assert.Contains("\"cardToken\":\"MNFY_0CD0138B45F7478E941C3EC6D3698969\"", handler.RequestBodies[0]);
+        Assert.Equal("PAID", result.PaymentStatus);
+        Assert.Equal(20, result.AmountPaid);
+        Assert.Equal("MNFY_0CD0138B45F7478E941C3EC6D3698969", result.CardDetails!.CardToken);
+        Assert.True(result.CardDetails.Reusable);
+    }
+
+    [Fact]
+    public async Task ChargeCardTokenAsync_NullRequest_Throws()
+    {
+        var client = CreateClient(new FakeHttpMessageHandler());
+        await Assert.ThrowsAsync<ArgumentNullException>(() => client.ChargeCardTokenAsync(null!));
+    }
 }