API Docs

API Reference

A scannable reference for the core endpoints in the Midcove payment API. This is a static reference. Full interactive docs are coming soon at docs.midcove.com.

Authentication

Every request is signed per MID

Each boarded MID gets its own secret key. Pass it as a bearer token on every call to the Midcove API — no separate authentication step required.

Base URL

https://api.midcove.com/v1

Header

Authorization: Bearer sk_live_51Nx...

Endpoints

Sale, void, refund, and webhook events

Every call below routes through the MID you've already boarded — NMI, Authorize.Net, Stripe, or PayPal.

POST /v1/transactions/sale

Charge a card and create a new sale transaction against a boarded MID.

Request

POST /v1/transactions/sale
Content-Type: application/json
Authorization: Bearer sk_live_51Nx...

{
  "mid": "mid_8k2p91",
  "amount": 4200,
  "currency": "USD",
  "card": {
    "number": "4111111111111111",
    "exp_month": "09",
    "exp_year": "2027",
    "cvv": "123"
  },
  "order_id": "ORD-10493"
}

Response

{
  "transaction_id": "txn_7f3a92c1",
  "mid": "mid_8k2p91",
  "status": "settled",
  "type": "sale",
  "amount": 4200,
  "currency": "USD",
  "order_id": "ORD-10493"
}

POST /v1/transactions/void

Cancel a transaction before it settles, keeping the funds from ever moving.

Request

POST /v1/transactions/void
Content-Type: application/json
Authorization: Bearer sk_live_51Nx...

{
  "mid": "mid_8k2p91",
  "transaction_id": "txn_7f3a92c1"
}

Response

{
  "transaction_id": "txn_7f3a92c1",
  "mid": "mid_8k2p91",
  "status": "voided",
  "type": "sale"
}

POST /v1/transactions/refund

Return funds on a settled transaction, in full or in part.

Request

POST /v1/transactions/refund
Content-Type: application/json
Authorization: Bearer sk_live_51Nx...

{
  "mid": "mid_8k2p91",
  "transaction_id": "txn_7f3a92c1",
  "amount": 4200
}

Response

{
  "transaction_id": "txn_7f3a92c1",
  "mid": "mid_8k2p91",
  "status": "refunded",
  "type": "sale",
  "amount": 4200
}

Webhook: transaction.updated

Sent to your configured endpoint whenever a transaction's status changes, so your app stays in sync without polling.

Payload

{
  "event": "transaction.updated",
  "mid": "mid_8k2p91",
  "transaction_id": "txn_7f3a92c1",
  "status": "settled",
  "type": "sale",
  "amount": 4200,
  "currency": "USD",
  "created_at": "2026-07-23T14:02:11Z"
}

This is a static reference. Full interactive docs, error codes, and SDKs are coming soon at docs.midcove.com.

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