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Before You Start
This Quick Start Guide is a step by step instruction for the set-up setup process of the PAYONE Platform. The guide uses examples to demonstrate the set-up and configuration process of the merchant account, the utilisation of the various interfaces as well as the PAYONE Merchant Interface (PMI).
The modular design of the PAYONE Platform allows you to choose the ideal range of services to suit your business model and your particular requirements. The examples used in this Quick Start Guide are based on a particular configuration – simply adapt these settings according to your needs.
Additional supporting documents will help you with this, for example the technical reference documents (API documentations). Should you still need further assistance with any particular item, simply contact the BS PAYONE Merchant Service who will be happy to help you.
To actively follow the steps described below, one of the following conditions should be met:
Step by Step to Your First Transaction
A merchant account with BS PAYONE always includes at least one payment portal, one sub-account and at least one type of connection (interface). Together, these components make up the basic system. The functions described here are available in test mode and live operation. The system is identical for both types of operation, the only difference being that in test mode no data is transmitted to external systems. The responses (e.g. by banks) are – as far as this is possible – simulated. We can provide you with test data for several transactions. For more information, please check here Testdata.
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If you execute requests in live operation, these will be transmitted externally upon submission – using the test data. If, for example, this operation initiates the dispatching of documents by mail or a chargeback, this will incur real costs. Therefore, always check whether you have selected the right mode before triggering any operation.
Setting up Your Merchant Account
Step one on the way to your first transaction is to log in to the PAYONE Merchant Interface (PMI) via the URL https://pmi.pay1.de or via the link on www.bspayone.com (Login -> Merchant Interfaces -> Login)
Please register with your user name and the corresponding password, which you must change after your first login. Your merchant ID, displayed within the PMI in the top right corner, serves as a reference for service requests and should therefore be stated whenever you contact PAYONE.
Passwords follow PCI DSS guidelines (requirement 8.2.3), i.e.: Passwords have to consist of at least 8 characters (numeric, alphabetic), change at least every 90 days, are blocked after 6 false tries, cannot be the same as the four previously used passwords, cannot contain username, have to be changed after first use/reset.
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Should you need additional logins, you can manage existing logins and create new ones within the PMI provided you have the appropriate user privileges. For example, you have the option to provide several customer service employees, accounting, engineering or possibly even external service providers such as agencies with individual logins. You can assign customised permissions for each sub-account (see below) as well as the corresponding read or write permissions. If you have any questions regarding this topic, please contact the BS PAYONE Merchant Service
Configuring a Payment Portal
Each payment process must be assigned to a particular payment portal within the PAYONE Platform. In the course of the set-up process, the PAYONE service team has already created at least one payment portal for you, which you must configure now. To do this, go to [Configuration] and select the item [Payment portals]. You will be shown an overview of all existing payment portals.
Depending on the selected portal, you must enter various data. The example used here shows the configuration of the portal type Shop (see info box on the right). You can edit the name of the portal that was entered by the PAYONE team.
What is a payment portal?
A payment portal contains the settings for payment transactions and debtor management. The PAYONE Platform will select one of two types of billing depending on the selected payment portal:
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In order to create a Shop type payment portal, all you need to do after naming the portal is to specify the shop URL using the format http://www.yourURL.com . Depending on the options you have booked, you may be required to enter a return address for e-mails that automatically dispatched to your end customers by BS PAYONE. In addition, the BS PAYONE Merchant Service will enable the selected interfaces after booking.
You have further configurations for messages from PAYONE platform to your system:
|After that, continue with the configuration in the next tab [Advanced]. Here, you should enter the transaction status URL, i.e. the address to which BS PAYONE is supposed to transfer status changes for all payment processes and other payment-related information via HTTP request. It must follow the format http(s)://www.yourURL.com . In addition, this is where you select the key (see info box).|
What is the key?
In order to ensure that only you as the legitimate merchant access our platform, you have to determine a key. This personal identification is known only to you and it is transmitted as an MD5 hash value (in lower case letters) each time a PAYONE interface is invoked.
You can choose the key freely, it is recommended to use at least 10 randomly selected characters (lower and upper case letters, special characters, numbers, no diacritic signs, maximum 32 characters) for your key. For example:
Never share this key with any third party!
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Application examples for sub-accounts:
If you operate your online offer in several different countries, sub-accounts provide you with a convenient tool for breaking down your sales by country. It is also easy to analyse your turnover from different lead sources using sub-accounts.
The current application is executed via the aid parameter, which is transmitted as part of the corresponding request (see API documentation).
Sub-accounts are used for purely analytical purposes and can be created on your own terms. There is no upper limit to the number of sub-accounts, however, you are required to create at least one such sub-account.
In order to create a sub-account, go to [Configuration] >> [Accounts]. A list of existing accounts will be displayed to you first. Click [Add account] and enter a name for your sub-account. This must be unique within the system. Should the name already be used for another sub-account, an error message will appear. Click [Create account] to save your new sub-account.
The most important account data at a glance
Do you use BS PAYONE via an extension such as Magento, OXID or pixi*? Then you must enter additional data such as the portal ID in your module. These and other required data can be found under:
Configuration >> Payment >> Select portal from list >> Button  >> Tab API parameters
You will also need these data for connecting the different interfaces.
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After this last step, you have completed the basic configuration of your merchant account.
Communicating with the Platform via Interfaces
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There are substantial differences in terms of the various interfaces' functionalities. For a comprehensive description, please refer to the PAYONE Platform specification of services. The following table provides a brief overview:
|Client API||Front end|
The Payment Card Industry Data Security Standard (PCI DSS) is a set of rules regulating the handling of credit card data. Every company that processes or stores credit card data must pass certification. The client API and the front end, however, allow you to simplify the cost-intensive certification process as a merchant by redirecting all sensitive data directly to BS PAYONE for processing. BS PAYONE itself is certified according to the highest PCI DSS level 1. For more information, please refer to our PCI DSS info sheet. Upon request, we will send you a copy of this document. Alternatively, you can download it directly from our website.
|Simplifying PCI DSS certification as a merchant|
|Posting of credit memos|
|Posting of receivables|
|Updating of customer data|
|Control of the dunning process|
Invoking the Platform Using the Example of the Client/Server API
Each payment process can be mapped as a series of individual process steps – in so-called sequence diagrams.
The following two examples show common business transactions in an online offer from the purchase to the delivery of the goods. The commands used and the sequence may vary depending on the selected connectivity option.
You will find details on the interface you use in the technical reference documents (API documentation).
A variety of solutions:
The PAYONE Platform supports a variety of payment methods and options to adapt to your particular business model. Find out more about the offered solutions in the PAYONE Platform services specification or contact our sales team with any questions.
We will be happy to advise you!
Sequence Diagram of a Credit Card Payment with Pre-Authorisation
As an example, we will elaborate on the procedure of a credit card payment with reservation and collection. This commonly-used sequence is recommended if you wish to make sure that the payment amount will be available and can be debited from the consumer's account after checking the availability of the product. A preceding reservation of the payment amount is also a precondition for many acquiring partners.
After placing the order, the consumer's credit card details are transmitted via an AJAX call to the client API, for example. The request employed for this is creditcardcheck. This checks the respective credit card for plausibility in real time. In addition, this request allows you store credit card data (cardpan, expiration date) with BS PAYONE. In this case, the response returns a so-called pseudo card number (pseudocardpan), which can be stored by the merchant and later re-assigned to the real credit card by BS PAYONE. This means that the merchant does not have to be certified according to PCI DSS (see above).
The next step is the request preauthorization which triggers the reservation of the amount of the order at the acquirer, i.e. your credit card acceptance partner. This process will reduce the consumer's credit card limit accordingly. Other parameters that can be transmitted with this request include the consumer's customer number or the delivery address. You can freely adapt the layout of the requests according to your individual needs. A successful transmission is confirmed by changing the status to approved.
The next sequence is the transmission of BS PAYONE's so-called TransactionStatus in form of a message reading appointed. This confirms the successful initiation of the payment process. The payment is now reserved and the consumer's payment process completed.
Once the ordered goods are available and the shipment to the consumer has been initiated, you can use the request capture to debit the previously reserved amount from the consumer's credit card as the next step. A successful submission of the request is equally confirmed with the status approved and the subsequent collection of the amount is reported by BS PAYONE using the TransactionStatus capture. The final sequence is the acquirer's payout of the credit card payment to you.
Sequence Diagram of an Online Bank Transfer
Also when using an online bank transfer the placement of the consumer's order is followed by the request preauthorization. In addition to any required address data, the system can transmit other information such as the consumer's account number and bank code, which also need to be entered in your checkout. This way, the consumer's account details can be checked at the same time as the online bank transfer session is initiated. Furthermore, the account details are stored for any refunds due to returns. After the response redirect the consumer is redirected to his or her bank. There, the consumer uses his or her account data to log in via the usual user interface and confirms the payment.
The consumer's bank subsequently notifies BS PAYONE about the successful payment and the consumer's account is debited immediately (as opposed to the preliminary authorisation for credit card payments). BS PAYONE then transmits the TransactionStatus appointed which confirms the successful payment. The consumer is finally redirected to the success URL of your website.
The subsequent sequence of shipping the goods is followed by the posting of the receivable using the request capture. Here again, the response approved confirms the successful transmission of the request and is formally closed with the transmission of the TransactionStatus capture. The payment is made directly to the bank account that you have specified during the BS PAYONE activation process.
Transaction view and options in the PMI
After your first transaction was carried out, you can use the PAYONE Merchant Interface (PMI) to view and edit this information. You can use a variety of search and filter criteria in the menu item [Debtors] >> [Administration] >> [Start debtor administration] to view all transactions effected in live and test mode in a dialogue window (pop-up). This list view already contains the most important information such as the payment method, the amount and the status. Should the status be empty, this means that the consumer has aborted the purchase process. Every entry contains a link to [Details] for complementary information and options.
The master and payment data of a consumer can be updated manually in the PMI. The menu item [Accounts receivable account] opens a history of all transactions of this particular consumer. [Documents] lists all messages in PDF format that were sent to the consumer via BS PAYONE, provided this service was purchased.
The options on the right-hand side always refer to the currently opened payment process. You can use this dialogue for refunds and transfers, for example. If you have purchased the corresponding BS PAYONE module, you can also view dunning procedures and any documents relating to this process, for example. The transaction account displays all transactions executed as part of this particular individual operation.
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Configuring the risk checks in the PMI:
In order to configure the risk checks in the PMI according to your own needs, go to the menu item [Configuration] >> [Payment portals] >> Select portal from a list >>  >> [Riskcheck]. Clicking on the ? icon will open detailed help texts to assist you with the configuration. Before going live with your merchant account, check whether the checks you require (e.g., 3-D Secure) are enabled and the settings requested by your acquirer have been stored.
Transaction Logs: Troubleshooting
Your transaction was not completed successfully? An open transaction status can have a number of reasons. You will get a first hint in the PAYONE Merchant Interface (PMI). Go to the Debtor administration and search for the transaction using the PAYONE payment process ID (TX-ID). Once you have found the dataset, click on Details for more information on the payment process: Here, you will find the field Cause of fault. If the information given here is insufficient for understanding the cause, go to [Configuration] >> [Transaction status] to view all currently blocked transactions and access additional details about the cause of the fault, provided the fault is not older than 48 hours and has not exceeded the maximum number of 12 attempts.
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