1 · Create card-link session idle
session_type=SAVE saves the card without charging (no RM 1 hold needed). Use PAY_AND_SAVE + amount to compare.
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2 · Link a card on Xendit’s hosted page
Open the hosted page above, enter a Xendit test card, complete linking. Xendit then POSTs payment_session.completed to /webhook (validated via x-callback-token).
3 · Captured token none
Polls /state. The webhook must reach this app (set the webhook URL in the Xendit test dashboard to <this-host>/webhook).
Captured token
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Last webhook
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4 · Off-session charge idle
Charges the captured token via POST /v3/payment_requests — the P0 question: does the documented token actually charge off-session?
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