> ## Documentation Index
> Fetch the complete documentation index at: https://docs.useaxra.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Card Payments

> Charge cards server-to-server with the Axra Payments API

Use the server-to-server card charging endpoint to process payments directly from your backend. You must have S2S charging enabled on your business profile.

## Charge a card

```bash theme={null}
curl -X POST https://api.useaxra.com/api/v1/payments/user/deposit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 5000,
    "currency": "USD",
    "source": "pm_card_visa"
  }'
```

## 3DS handling

If the card requires 3D Secure authentication, the response includes a `requires_action` status with a redirect URL. See the [3DS guide](/payments/3ds) for details.

<Warning>
  Enable server-to-server charging in your Axra dashboard before using this endpoint.
</Warning>

<Card title="API Reference" icon="code" href="/api-reference/payments/create-payment">
  See full endpoint documentation.
</Card>