## Create a charge

`charges.create(**kwargs) -> ChargeV1`

**post** `/v1/charges`

Use charges to collect money from a customer for the sale of goods or services.

### Parameters

- `amount: Integer`

  The amount of the charge in cents.

- `config: { balance_check, auto_hold, auto_hold_message, sandbox_outcome}`

  - `balance_check: :required | :enabled | :disabled`

    Defines whether to check the customer's balance before processing the charge.

    - `:required`

    - `:enabled`

    - `:disabled`

  - `auto_hold: bool`

    Defines whether to automatically place this charge on hold after being created.

  - `auto_hold_message: String`

    The reason the charge is being automatically held on creation.

  - `sandbox_outcome: :standard | :paid | :on_hold_daily_limit | 8 more`

    Payment will simulate processing if not Standard.

    - `:standard`

    - `:paid`

    - `:on_hold_daily_limit`

    - `:cancelled_for_fraud_risk`

    - `:cancelled_for_balance_check`

    - `:failed_insufficient_funds`

    - `:reversed_insufficient_funds`

    - `:failed_customer_dispute`

    - `:reversed_customer_dispute`

    - `:failed_closed_bank_account`

    - `:reversed_closed_bank_account`

- `consent_type: :internet | :signed`

  The channel or mechanism through which the payment was authorized. Use `internet` for payments made online or through a mobile app and `signed` for signed agreements where there is a consent form or contract. Use `signed` for PDF signatures.

  - `:internet`

  - `:signed`

- `currency: String`

  The currency of the charge. Only USD is supported.

- `description: String`

  An arbitrary description for the charge.

- `device: DeviceInfoV1`

  - `ip_address: String`

    The IP address of the device used when the customer authorized the charge or payout. Use `0.0.0.0` to represent an offline consent interaction.

- `external_id: String`

  Unique identifier for the charge in your database. This value must be unique across all charges.

- `paykey: String`

  Value of the `paykey` used for the charge.

- `payment_date: Date`

  The desired date on which the payment should be occur. For charges, this means the date you want the customer to be debited on.

- `metadata: Hash[Symbol, String]`

  Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the charge in a structured format.

- `correlation_id: String`

- `idempotency_key: String`

- `request_id: String`

- `straddle_account_id: String`

### Returns

- `class ChargeV1`

  - `data: { id, amount, config, 21 more}`

    - `id: String`

      Unique identifier for the charge.

    - `amount: Integer`

      The amount of the charge in cents.

    - `config: { balance_check, auto_hold, auto_hold_message, sandbox_outcome}`

      Configuration options for the charge.

      - `balance_check: :required | :enabled | :disabled`

        Defines whether to check the customer's balance before processing the charge.

        - `:required`

        - `:enabled`

        - `:disabled`

      - `auto_hold: bool`

        Defines whether to automatically place this charge on hold after being created.

      - `auto_hold_message: String`

        The reason the charge is being automatically held on creation.

      - `sandbox_outcome: :standard | :paid | :on_hold_daily_limit | 8 more`

        Payment will simulate processing if not Standard.

        - `:standard`

        - `:paid`

        - `:on_hold_daily_limit`

        - `:cancelled_for_fraud_risk`

        - `:cancelled_for_balance_check`

        - `:failed_insufficient_funds`

        - `:reversed_insufficient_funds`

        - `:failed_customer_dispute`

        - `:reversed_customer_dispute`

        - `:failed_closed_bank_account`

        - `:reversed_closed_bank_account`

    - `consent_type: :internet | :signed`

      The channel or mechanism through which the payment was authorized. Use `internet` for payments made online or through a mobile app and `signed` for signed agreements where there is a consent form or contract. Use `signed` for PDF signatures.

      - `:internet`

      - `:signed`

    - `created_at: Time`

      Timestamp of when the charge was created.

    - `currency: String`

      The currency of the charge. Only USD is supported.

    - `description: String`

      An arbitrary description for the charge.

    - `device: DeviceInfoV1`

      Information about the device used when the customer authorized the payment.

      - `ip_address: String`

        The IP address of the device used when the customer authorized the charge or payout. Use `0.0.0.0` to represent an offline consent interaction.

    - `external_id: String`

      Unique identifier for the charge in your database. This value must be unique across all charges.

    - `funding_ids: Array[String]`

      Funding Ids

    - `paykey: String`

      Value of the `paykey` used for the charge.

    - `payment_date: Date`

      The desired date on which the payment should be occur. For charges, this means the date you want the customer to be debited on.

    - `status: :created | :scheduled | :failed | 6 more`

      The current status of the charge.

      - `:created`

      - `:scheduled`

      - `:failed`

      - `:cancelled`

      - `:on_hold`

      - `:pending`

      - `:paid`

      - `:reversed`

      - `:validating`

    - `status_details: StatusDetailsV1`

      Additional details about the current status of the charge.

      - `changed_at: Time`

        The time the status change occurred.

      - `message: String`

        A human-readable description of the current status.

      - `reason: :insufficient_funds | :closed_bank_account | :invalid_bank_account | 24 more`

        A machine-readable identifier for the specific status, useful for programmatic handling.

        - `:insufficient_funds`

        - `:closed_bank_account`

        - `:invalid_bank_account`

        - `:invalid_routing`

        - `:disputed`

        - `:payment_stopped`

        - `:owner_deceased`

        - `:frozen_bank_account`

        - `:risk_review`

        - `:fraudulent`

        - `:duplicate_entry`

        - `:invalid_paykey`

        - `:payment_blocked`

        - `:amount_too_large`

        - `:too_many_attempts`

        - `:internal_system_error`

        - `:user_request`

        - `:ok`

        - `:other_network_return`

        - `:payout_refused`

        - `:cancel_request`

        - `:failed_verification`

        - `:require_review`

        - `:blocked_by_system`

        - `:watchtower_review`

        - `:validating`

        - `:auto_hold`

      - `source: :watchtower | :bank_decline | :customer_dispute | 2 more`

        Identifies the origin of the status change (e.g., `bank_decline`, `watchtower`). This helps in tracking the cause of status updates.

        - `:watchtower`

        - `:bank_decline`

        - `:customer_dispute`

        - `:user_action`

        - `:system`

      - `code: String`

        The status code if applicable.

    - `status_history: Array[{ changed_at, message, reason, 3 more}]`

      Status history.

      - `changed_at: Time`

        The time the status change occurred.

      - `message: String`

        A human-readable description of the status.

      - `reason: :insufficient_funds | :closed_bank_account | :invalid_bank_account | 24 more`

        A machine-readable identifier for the specific status, useful for programmatic handling.

        - `:insufficient_funds`

        - `:closed_bank_account`

        - `:invalid_bank_account`

        - `:invalid_routing`

        - `:disputed`

        - `:payment_stopped`

        - `:owner_deceased`

        - `:frozen_bank_account`

        - `:risk_review`

        - `:fraudulent`

        - `:duplicate_entry`

        - `:invalid_paykey`

        - `:payment_blocked`

        - `:amount_too_large`

        - `:too_many_attempts`

        - `:internal_system_error`

        - `:user_request`

        - `:ok`

        - `:other_network_return`

        - `:payout_refused`

        - `:cancel_request`

        - `:failed_verification`

        - `:require_review`

        - `:blocked_by_system`

        - `:watchtower_review`

        - `:validating`

        - `:auto_hold`

      - `source: :watchtower | :bank_decline | :customer_dispute | 2 more`

        Identifies the origin of the status change (e.g., `bank_decline`, `watchtower`). This helps in tracking the cause of status updates.

        - `:watchtower`

        - `:bank_decline`

        - `:customer_dispute`

        - `:user_action`

        - `:system`

      - `status: :created | :scheduled | :failed | 6 more`

        The current status of the `charge` or `payout`.

        - `:created`

        - `:scheduled`

        - `:failed`

        - `:cancelled`

        - `:on_hold`

        - `:pending`

        - `:paid`

        - `:reversed`

        - `:validating`

      - `code: String`

        The status code if applicable.

    - `trace_ids: Hash[Symbol, String]`

      Trace Ids.

    - `updated_at: Time`

      Timestamp of when the charge was last updated.

    - `customer_details: CustomerDetailsV1`

      Information about the customer associated with the charge.

      - `id: String`

        Unique identifier for the customer

      - `customer_type: :individual | :business`

        The type of customer

        - `:individual`

        - `:business`

      - `email: String`

        The customer's email address

      - `name: String`

        The name of the customer

      - `phone: String`

        The customer's phone number in E.164 format

    - `effective_at: Time`

      Timestamp of when the charge was effective in the customer's bank account, otherwise known as the date on which the customer is debited.

    - `metadata: Hash[Symbol, String]`

      Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the charge in a structured format.

    - `paykey_details: PaykeyDetailsV1`

      Information about the paykey used for the charge.

      - `id: String`

        Unique identifier for the paykey.

      - `customer_id: String`

        Unique identifier for the customer associated with the paykey.

      - `label: String`

        Human-readable label that combines the bank name and masked account number to help easility represent this paykey in a UI

      - `balance: Integer`

        The most recent balance of the bank account associated with the paykey in dollars.

    - `payment_rail: :ach`

      The payment rail that the charge will be processed through.

      - `:ach`

    - `processed_at: Time`

      Timestamp of when the charge was processed by Straddle and originated to the payment rail.

    - `related_payments: Hash[Symbol, :original | :resubmit | :refund]`

      Related payments.

      - `:original`

      - `:resubmit`

      - `:refund`

  - `meta: ResponseMetadata`

    Metadata about the API request, including an identifier and timestamp.

    - `api_request_id: String`

      Unique identifier for this API request, useful for troubleshooting.

    - `api_request_timestamp: Time`

      Timestamp for this API request, useful for troubleshooting.

  - `response_type: :object | :array | :error | :none`

    Indicates the structure of the returned content.

    - "object" means the `data` field contains a single JSON object.
    - "array" means the `data` field contains an array of objects.
    - "error" means the `data` field contains an error object with details of the issue.
    - "none" means no data is returned.

    - `:object`

    - `:array`

    - `:error`

    - `:none`

### Example

```ruby
require "straddle"

straddle = Straddle::Client.new(
  api_key: "My API Key",
  environment: "production" # defaults to "sandbox"
)

charge_v1 = straddle.charges.create(
  amount: 10000,
  config: {balance_check: :required},
  consent_type: :internet,
  currency: "currency",
  description: "Monthly subscription fee",
  device: {ip_address: "192.168.1.1"},
  external_id: "external_id",
  paykey: "paykey",
  payment_date: "2019-12-27"
)

puts(charge_v1)
```

#### Response

```json
{
  "data": {
    "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "amount": 10000,
    "config": {
      "balance_check": "required",
      "auto_hold": true,
      "auto_hold_message": "auto_hold_message",
      "sandbox_outcome": "standard"
    },
    "consent_type": "internet",
    "created_at": "2019-12-27T18:11:19.117Z",
    "currency": "currency",
    "description": "Monthly subscription fee",
    "device": {
      "ip_address": "192.168.1.1"
    },
    "external_id": "external_id",
    "funding_ids": [
      "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e"
    ],
    "paykey": "paykey",
    "payment_date": "2019-12-27",
    "status": "created",
    "status_details": {
      "changed_at": "2019-12-27T18:11:19.117Z",
      "message": "Payment successfully created and awaiting validation.",
      "reason": "insufficient_funds",
      "source": "system",
      "code": null
    },
    "status_history": [
      {
        "changed_at": "2019-12-27T18:11:19.117Z",
        "message": "Payment successfully created and awaiting validation.",
        "reason": "insufficient_funds",
        "source": "watchtower",
        "status": "created",
        "code": null
      }
    ],
    "trace_ids": {
      "foo": "string"
    },
    "updated_at": "2019-12-27T18:11:19.117Z",
    "customer_details": {
      "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
      "customer_type": "individual",
      "email": "ron@swanson.com",
      "name": "Ron Swanson",
      "phone": "+1234567890"
    },
    "effective_at": "2019-12-27T18:11:19.117Z",
    "metadata": {
      "foo": "string"
    },
    "paykey_details": {
      "id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
      "customer_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
      "label": "Bank of America ****1234",
      "balance": 0
    },
    "payment_rail": "ach",
    "processed_at": "2019-12-27T18:11:19.117Z",
    "related_payments": {
      "foo": "original"
    }
  },
  "meta": {
    "api_request_id": "182bd5e5-6e1a-4fe4-a799-aa6d9a6ab26e",
    "api_request_timestamp": "2019-12-27T18:11:19.117Z"
  },
  "response_type": "object"
}
```