<?php

function createCardTransaction($apiKey, $data) {
    $payload = [
        'accountNumber' => $data['accountNumber'],
        'amount' => $data['amount'],
        'currency' => 'USD',
        'reference' => $data['reference'],
        'email' => $data['email'],
        'description' => $data['description']
    ];
    
    if (isset($data['return_url'])) {
        $payload['return_url'] = $data['return_url'];
    }
    
    $ch = curl_init('https://livepay.me/api/card-collection');
    curl_setopt_array($ch, [
        CURLOPT_RETURNTRANSFER => true,
        CURLOPT_POST => true,
        CURLOPT_HTTPHEADER => [
            'Content-Type: application/json',
            'Authorization: Bearer ' . $apiKey
        ],
        CURLOPT_POSTFIELDS => json_encode($payload)
    ]);
    
    $response = curl_exec($ch);
    $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE);
    curl_close($ch);
    
    if ($response === false) {
        throw new Exception('Network error');
    }
    
    $result = json_decode($response, true);
    
    if ($httpCode !== 200) {
        throw new Exception($result['error'] ?? 'Payment creation failed');
    }
    
    return $result;
}

import requests

def create_card_transaction(api_key, data):
    url = "https://livepay.me/api/card-collection"
    
    headers = {
        "Content-Type": "application/json",
        "Authorization": f"Bearer {api_key}"
    }
    
    payload = {
        "accountNumber": data["accountNumber"],
        "amount": data["amount"],
        "currency": "USD",
        "reference": data["reference"],
        "email": data["email"],
        "description": data["description"]
    }
    
    if "return_url" in data:
        payload["return_url"] = data["return_url"]
    
    response = requests.post(url, headers=headers, json=payload)
    
    if response.status_code != 200:
        error = response.json()
        raise Exception(error.get("error", "Payment creation failed"))
    
    return response.json()