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This guide uses a minimal Collect.js integration for explanatory purposes. For more information about using Collect.js, please see the Collect.js documentation. The Kount data collector should be run immediately on a payment page, and may be run multiple times. Each call to createSession() will return a session ID. When submitting, use the latest value.
1

Initialize Gateway.js

Start by initializing Gateway.js with your public key. You can view your existing public keys or create a new one in the merchant portal’s Security Keys page.
2

Initialize Kount

Initialize the Kount service by calling gateway.getKount().
3

Run the Kount data collector

Run the Kount data collector by calling Kount’s createSession() and retrieve the session ID using .then().
4

Render the Collect.js form

Render a Collect.js form to collect the credit card information. You should call Collect.js’s configure() method to supply a callback. The callback will provide the Collect.js payment token in place of the credit card details.
5

Build the transaction object in the callback

Create a Javascript object with the details of the transaction in the callback. The details should include payment_token, currency, amount, email, city, address1, country, zip, first_name, last_name, and transaction_session_id.
6

Submit via the Payment API

Submit the transaction data via the payment API with your private key.
example.html 
<html>
<body>
    <label>Credit Card Number</label>
    <div id="ccnumber"></div>
    <label>CC EXP</label>
    <div id="ccexp"></div>
    <label>CVV</label>
    <div id="cvv"></div>
    <button id="payButton">Pay Now</button>
    <script src="https://gateway.bancedge.com/js/v1/Gateway.js"></script>
    <script
       src="https://gateway.bancedge.com/token/Collect.js"
       data-tokenization-key="000000-111111-222222-333333"
    ></script>
    <script>
        // Initialize Gateway.js, use own Public Key
        const gateway = Gateway.create('collect_checkout_0000000000000000000000000');

        // Initialize the Kount service
        const kount = gateway.getKount();

        // Run Kount
        kount.createSession().then((res) => {

            //Store session id
            const sessionId = res;

            //Run CollectJS Configure
            CollectJS.configure({
                variant: 'inline',
                callback: (e) => {
                    const options = {
                        paymentToken: e.token,
                        currency: 'USD',
                        amount: '1000',
                        email: 'none@example.com',
                        phone: '8008675309',
                        city: 'New York',
                        state: 'NY',
                        address1: '123 First St.',
                        country: 'US',
                        firstName: 'John',
                        lastName: 'Doe',
                        postalCode: '60001',
                        transactionSessionId: sessionId
                    };

                    fetch('direct-post-back-end.php', {
                        method: 'POST',
                        body: JSON.stringify({
                            ...options,
                        })
                    });
                }
            });

            gateway.on('error', function (e) {
                console.error(e);
            });
        });
    </script>
</body>
</html>
direct-post-back-end.php 
<?php
$jsonContent = json_decode(file_get_contents('php://input'));

$fields = array(
    'security_key' => '01234567890123456789012345678901',
    'payment_token' => $jsonContent->paymentToken,
    'amount' => '10.00',
    'email' => $jsonContent->email,
    'phone' => $jsonContent->phone,
    'city' => $jsonContent->city,
    'address1' => $jsonContent->address1,
    'country' => $jsonContent->country,
    'first_name' => $jsonContent->firstName,
    'last_name' => $jsonContent->lastName,
    'zip' => $jsonContent->postalCode,
    'transaction_session_id' => $jsonContent->transactionSessionId
);

$curl = curl_init();

curl_setopt_array($curl, array(
    CURLOPT_URL => 'https://secure.networkmerchants.com/api/transact.php',
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_ENCODING => '',
    CURLOPT_MAXREDIRS => 10,
    CURLOPT_TIMEOUT => 0,
    CURLOPT_FOLLOWLOCATION => true,
    CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
    CURLOPT_CUSTOMREQUEST => 'POST',
    CURLOPT_POSTFIELDS => $fields
));

$response = curl_exec($curl);

curl_close($curl);
echo $response;