Introduction

PAYONE Secured Installment offers merchants in German-speaking countries the opportunity to integrate the "Buy Now, Pay Later" (BNPL) payment method installment as payment method in their online store.

In doing so, our Partner Payla assumes the full fraud and default risk and supports merchants throughout the entire value chain from integration assistance to collection handover. 

General notes

In addition to the correct integration of the API request, the following points should be noted:

Countries Currency Special Limitations
  • Germany
  • Austria
  • Euro
  1. Snippet for device fingerprinting token
  2. Mandatory checkout information
  • B2B transactions not with all methods
  • deviating delivery addresses

1. Device fingerprinting token

In order to detect and prevent fraud at an early stage for the secured payment methods, a device fingerprinting snippet has to be integrated during the checkout process. This snippet will generate a token in the format <partner_id>_<merchant_id>_<session_id>, which has to be sent via consumer parameter add_paydata[device_token] in the preauthorization/authorization request.

Example Fingerprinting Code in PHP 
<?php
  $environment = "t"; // "t" for TEST, "p" for PROD
  $payla_partner_id = "e7yeryF2of8X";
  $partner_merchant_id = "test-1"; // REPLACE individually per Merchant by Payone Merchant-ID
  $snippet_token = $payla_partner_id . "_" . $partner_merchant_id . "_" . guidv4(); // REPLACE guidv4() by a session_id (which should be unique per checkout experience) or an appropriate GUIDv4 function
?>

<script id="paylaDcs" type="text/javascript" src="https://d.payla.io/dcs/<?php echo $payla_partner_id; ?>/<?php echo $partner_merchant_id; ?>/dcs.js"></script>
<script>
  var paylaDcsT = paylaDcs.init("<?php echo $environment; ?>", "<?php echo $snippet_token; ?>");
</script>

<link id="paylaDcsCss" type="text/css" rel="stylesheet" href="https://d.payla.io/dcs/dcs.css?st=<?php echo $snippet_token; ?>&pi=<?php echo $payla_partner_id; ?>&psi=<?php echo $partner_merchant_id; ?>&e=<?php echo $environment; ?>">

Snipped parameter explained:

Parameter Description Comment

environment

Defines which environment the snippet is called for. During integration, t has to be used to point towards our test environment. Once the integration is finished and for every live processing merchant p has to be used to point towards our production environment.

Set "t" for Test and "p" for Production

payla_partner_id

12-digit alphanumeric Identifier provided by Payla. It is fixed. The once assigned ID will not change and is identical for test and production environment.

Fixed f.e. "e7yeryF2of8X"

partner_merchant_id

Identifier chosen and provided by PAYONE. It identifies the merchant and allows Payla to distinguish which merchant/shop the fingerprinting is done for. The ID is requested as part of Payla's onboarding. For testing without having a Merchant-ID, you can use "test-1"

Set to your PAYONE Merchant-ID

snippet_token

For Payla, the most important requirement is the snippet - token being unique per API call. If a consumer calls the snippet multiple times during the checkout process but is in the same session, this token can be used. Once an actual order or risk check has been performed with the snippet_token, Payla expect a new snippet_token for a new API call. The main reason for this is customers switching devices between orders.

e.g. xyz123abc456_test-1_randomOrSessionadh9029381923

2. Mandatory checkout implementation

In order to detect and prevent fraud at an early stage for the secured payment methods, a device fingerprinting snippet has to be integrated during the checkout process. This snippet will generate a token in the format <partner_id>_<merchant_id>_<session_id>, which has to be sent via consumer parameter add_paydata[device_token] in the preauthorization/authorization request.

Checkout note:

Language Text
German Mit Abschluss dieser Bestellung erkläre ich mich mit den ergänzenden Zahlungsbedingungen (Link) und der Durchführung einer Risikoprüfung für die ausgewählte Zahlungsart einverstanden. Den ergänzenden Datenschutzhinweis (Link) habe ich zur Kenntnis genommen.
English By placing this order, I agree to the supplementary payment terms (link) and the performance of a risk assessment for the selected payment method. I am aware of the supplementary data protection notice (link).

Links:

Document Language Description URL
Terms of payment German Framework for the use of the mentioned payment methods https://legal.paylater.payone.com/de/terms-of-payment.html
Data protection notice German Describes, among other things, the use of the personal data https://legal.paylater.payone.com/de/data-protection-payments.html
Terms of payment English Framework for the use of the mentioned payment methods https://legal.paylater.payone.com/en/terms-of-payment.html
Data protection notice English Describes, among other things, the use of the personal data https://legal.paylater.payone.com/en/data-protection-payments.html

Integrations

POST Request - genericpayment – add_paydata[action] = installment_options

Genericpayment request for retrieving the installment options from the service provider.

Because the authorization request will immediatly activate the claim (start of the due date), we recommend to use the preauthorization and capture request for retail business with delivery time.

Account Parameters
request
required
Fixed Value: preauthorization / authorization
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
Common Parameters
clearingtype
required
Fixed Value fnc
financingtype
required
Fixed Value PIN

PIN: PAYONE Secured Installment
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Fixed Value EUR
add_paydata PARAMETERS
add_paydata[action]
required
AN..255

Set to "installment_options"
add_paydata[businessRelation]
required
AN..255

Set to "b2c"
Response Parameters
status
Permitted Values
OK
ERROR
Response Parameter (OK)
workorderid
Format CHAR(1..50)

The workorderid is used for the genericpayment request.
add_paydata[installment_option_id]
AN..255

Installment Option Identifier.
add_paydata[amount_value]
AN..255

Amount to calculate installment options.
add_paydata[amount_currency]
AN..255

Currency of the amount.
add_paydata[total_amount_value]
AN..255

Total rate amount.
add_paydata[total_amount_currency]
AN..255

Currency of the amount.
add_paydata[first_rate_date]
AN..255

Due date of first rate.
add_paydata[last_rate_amount_value]
AN..255

Amount of money, represented as a decimal value.
add_paydata[last_rate_amount_currency]
AN..255

Currency of the amount.
add_paydata[nominal_interest_rate]
AN..255

Nominal interest amount.
add_paydata[effective_interest_rate]
AN..255

Effective interest amount.
add_paydata[number_of_payments]
AN..255

The number of monthly payments for this installment.
add_paydata[monthly_amount_value]
AN..255

Monthly rate amount.
add_paydata[monthly_amount_currency]
AN..255

Currency of the amount.
add_paydata[link_credit_information_type]
AN..255

Link with credit information.
add_paydata[link_credit_information_href]
AN..255

URL of link.
add_paydata[link_credit_information_type]
AN..255

Content type of linked data.
ReSponse Parameter (Error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.
customermessage
Format CHAR(1..1024)

The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded

Payload

add_paydata[action]=installment_options
add_paydata[businessRelation]=b2c
mid=54321
aid=12345
portalid=12345123
key=abcdefghijklmn123456789
request=genericpayment
mode=live
clearingtype=fnc
financingtype=PIN
amount=20000
currency=EUR
RESPONSE

status=OK
workorderid=ABCDEFGHIJKLMNOP123
add_paydata[total_amount_currency_0]=EUR
add_paydata[total_amount_currency_1]=EUR
add_paydata[first_rate_date_0]=2022-11-28
add_paydata[link_credit_information_type_0]=application/pdf
add_paydata[nominal_interest_rate_0]=999
add_paydata[nominal_interest_rate_1]=1199
add_paydata[amount_currency]=EUR
add_paydata[nominal_interest_rate_2]=1499
add_paydata[last_rate_amount_value_0]=17033
add_paydata[first_rate_date_1]=2022-11-28
add_paydata[last_rate_amount_value_2]=4521 
add_paydata[last_rate_amount_value_1]=8670 
add_paydata[first_rate_date_2]=2022-11-28 
add_paydata[total_amount_currency_2]=EUR 
add_paydata[amount_value]=50000 
add_paydata[effective_interest_rate_2]=1510 
add_paydata[number_of_payments_1]=6 
add_paydata[number_of_payments_0]=3 
add_paydata[total_amount_value_1]=52035 
add_paydata[total_amount_value_0]=51099 
add_paydata[number_of_payments_2]=12 
add_paydata[total_amount_value_2]=54351 
add_paydata[installment_option_id_2]=IOP_bbc08f0a1b2a41268048b41e2efb31a4 
add_paydata[installment_option_id_1]=IOP_78094545483947868a68a2fb01ac3015 
add_paydata[link_credit_information_type_2]=application/pdf add_paydata[installment_option_id_0]=IOP_06f07670e25645d49de8ebf62a7030da 
add_paydata[link_credit_information_type_1]=application/pdf 
add_paydata[last_rate_amount_currency_0]=EUR 
add_paydata[last_rate_amount_currency_1]=EUR 
add_paydata[monthly_amount_value_2]=4530 
add_paydata[monthly_amount_value_1]=8673 
add_paydata[last_rate_amount_currency_2]=EUR 
add_paydata[monthly_amount_value_0]=17033 
add_paydata[monthly_amount_currency_1]=EUR 
add_paydata[monthly_amount_currency_2]=EUR 
add_paydata[monthly_amount_currency_0]=EUR 
add_paydata[effective_interest_rate_0]=1013 
add_paydata[link_credit_information_href_1]=https://api.playground.payla.io/v1/installment_options/IOP_78094545483947868a68a2fb01ac3015/credit_information?amount=500.00&currency=EUR&shop_id=SHO_b2cf317247314c08bce8759c3672e991 
add_paydata[link_credit_information_href_0]=https://api.playground.payla.io/v1/installment_options/IOP_06f07670e25645d49de8ebf62a7030da/credit_information?amount=500.00&currency=EUR&shop_id=SHO_b2cf317247314c08bce8759c3672e991 add_paydata[effective_interest_rate_1]=1212 
add_paydata[link_credit_information_href_2]=https://api.playground.payla.io/v1/installment_options/IOP_bbc08f0a1b2a41268048b41e2efb31a4/credit_information?amount=500.00&currency=EUR&shop_id=SHO_b2cf317247314c08bce8759c3672e991
POST Request - Pre-/ Authorization

During the preauthorization a risk check for the customer is performed. Depending on the result the customer qualifies or disqualifies from using this payment method. When the risk of payment default is deemed too high the transaction can’t be insured and the customer is denied, yielding an error message and the status “ERROR”.

Generally, the more customer data you send, the better the risk check can decide to give an insurance or not. Nonetheless, there following table contains flags, if a parameter is optional or not.

If the preauthorization is successful the response will contain the status “APPROVED”.

Using the Preauthorization request does NOT finalize the claim. In order to start the dunning process the transactions need to be captured first.

Please bear in mind, that a preauthorization is valid for 28 days. You need to make sure, that you capture this preauthorization in this period. Otherwise, if you know that you won’t capture the amount, please send a cancel (capture with amount=0), to free the reserved guarantee.

Account Parameters
request
required
Fixed Value: preauthorization / authorization
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
common Parameters
workorderid
required
Format: CHAR(1..50)

Reference ID to the generic Request.
clearingtype
required
Fixed Value: fnc
financingtype
required
Fixed Value: PDD

PAYONE Secured Direct Debit
mode
required
Fixed Value: test/live

Can be either test environment (test) or live environment (live)
reference
optional
Format CHAR(2..255)

A unique ID that will be displayed in your shop backend and for the customer
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Format LIST
Permitted values ISO 4217 (currencies) 3-letter-codes
Samples

EUR

USD

GBP
param
optional
Format CHAR(1..255)

Individual parameter (per payment process)
narrative_text
optional
Format CHAR(1..81)

Dynamic text element on account statements. (3 lines with 27 characters each) and credit card statements.
customer_is_present
optional
Format LIST
Permitted Values yes / no

Indicates whether customer is “present” and can enter their data in the shop (=yes). Or customer is not present and can not enter any data (=no).
PERSONAL DATA Parameters
customerid
optional
Format CHAR(1..20)
Permitted Symbols [0-9, a-z, A-Z, .,-,_,/]

Merchant's customer ID, defined by you / merchant to refer to the customer record.

"customerid" can be used to identify a customer record. 
If "customerid" is used then stored customer data are loaded automatically.
userid
optional
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
businessrelation
required
Format LIST
value Comment
b2c

Indicates business to private customer
b2b

indicates business to business customer (company)

currently not available for PIN

Value specifies business relation between merchant and customer
salutation
optional
Format CHAR(1..10)

The customer's salutation
title
optional
Format CHAR(1..20)
Samples

Dr

Prof.

Dr.-Ing.

Title of the customer
firstname
required
Format CHAR(1..50)

First name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"
lastname
required
Format CHAR(2..50)

Last name of customer; optional if company is used, i.e.: you may use "company" or "lastname" or "firstname" plus "lastname"
company
optional
Format CHAR(2..50)

Comany name of customer
street
required
Format CHAR(1..50)

Street number and name (required: at least one character)
addressaddition
optional
Format CHAR(1..50)
Samples

7th floor

c/o Maier

Specifies an additional address line for the invoice address of the customer.
zip
required
Format CHAR(2..50)
Permitted Symbols [0-9][A-Z][a-z][_.-/ ]

Postcode
city
required
Format CHAR(2..50)

City of customer
country
required
Fixed Value DE
state
optional
Format LIST
Permitted values: ISO 3166-2 States (regions) 2-letter-codes
Samples US Samples CA
AK AB
AL BC

Specifies state / region of country for the customer.

"state" is required for these countries: US, CA, CN, JP, MX, BR, AR, ID, TH, IN and must not be used for all other countries.
email
required
Format CHAR(5..254)

Mandatory if "add_paydata[shopping_cart_type]=DIGITAL"

Permitted Symbols RFC 5322

Special Remark email validation:

Max. length for email is 254 characters. Validation is set up in the following way:

Username = Max. 63 characters

Domain Name = Max. 63 characters
Domain Suffixes = Max. 4 suffixes with max. 124 characters
Example: username[63]@domain_name[63].suffix[60].suffix[60].suffix[4]

"@" and "." is counted as a character as well; in case of a total of three suffixes, this would allow a total of 254 characters.

email-address of customer
telephonenumber
required
Format CHAR(1..30)

Phone number of customer
birthday
required
Format DATE(8), YYYYMMDD
Samples

20190101

19991231

Date of birth of customer
language
optional
Format LIST
Permitted values ISO 639-1 (Language)2-letter-codes

Language indicator (ISO 639) to specify the language that should be presented to the customer (e.g. for error messages, frontend display).

If the language is not transferred, the browser language will be used. For a non-supported language English will be used.
vatid
optional
Format CHAR(1..50)

VAT identification number. Used for b2b transactions to indicate VAT number of customer.
gender
optional
Format LIST
Permitted values f/ m/  d*

Gender of customer (female / male / diverse* )

* currently not in use
personalid
optional
Format CHAR(1..32)
Permitted Symbols [0-9][A-Z][a-z][+-./()]

Person specific numbers or characters, e.g. number of passport / ID card
ip
optional
Format CHAR(1..39)

Customer's IP-V4-address (123.123.123.123) or IP-V6-address
bankaccountholder
required
Format CHAR(1..39)

Account holder
iban
required
Format CHAR(10..34)
Permitted Symbols [0-9][A-Z]

IBAN to be used for payment or to be checked
Delivery data Parameters
shipping_firstname
optional
Format CHAR(1..50)

First name of delivery address
shipping_lastname
optional
Format CHAR(1..50)

Surname of delivery address
shipping_company
optional
Format CHAR(2..50)

Company name of delivery address
shipping_street
optional
Format CHAR(2..50)

Street number and name of delivery address
shipping_zip
optional
Format CHAR(2..50)

Postcode of delivery address
shipping_addressaddition
optional
Format CHAR(1..50)

Specifies an additional address line for the delivery address of the customer, e.g. "7th floor", "c/o Maier".
shipping_country
optional
Format LIST
Permitted values ISO 3166 2-letter-codes
Samples

DE

GB

US

Specifies country of address for the customer.

Some countries require additional information in parameter "state"
shipping_state
optional
Format LIST
Permitted values ISO 3166-2 States (regions) 2-letter-codes
Samples US Samples CA
AK AB
AL BC
Article Parameters
it[n]
required
it[n] Comments
goods Goods
shipment Shipping Charges
handling Handling fee
voucher Voucher / discount
id[n]
required
Format CHAR(1..32)
Array elements [n] starting with [1]; serially numbered; max [400]

International Article Number (EAN bzw. GTIN)

Product number, SKU, etc. of this item
pr[n]
required
Format NUMERIC(10) max. -19 999 999 99
Array elements [n] starting with [1]; serially numbered; max [400]

Unit gross price of the item in smallest unit! e.g. cent
no[n]
required
Format NUMERIC(6)
Array elements [n] starting with [1]; serially numbered; max [400]

Quantity of this item
de[n]
required
Format CHAR(1..255)
Array elements [n] starting with [1]; serially numbered; max [400]

Description of this item. Will be printed on documents to customer.
va[n]
optional
Format NUMERIC(4)
Array elements [n] starting with [1]; serially numbered; max [400]

VAT rate (% or bp)
Paydata Parameters
add_paydata[installment_option_id]
required
FORMAT AN(255)

Installment Option Identifier.
add_paydata[device_token]
required
FORMAT AN(255)

Device fingerprinting token.
Response Parameters
status
required
Permitted Values
APPROVED
ERROR
Response Parameter (approved)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
userid
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
ReSponse Parameter (Error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.
customermessage
Format CHAR(1..1024)

The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded

Payload

request=preauthorization
mid=54321
aid=12345
portalid=12345123
key=abcdefghijklmn123456789
mode=live
bankaccountholder=Max Mustermann
clearingtype=fnc
financingtype=PIN
workorderid=PP2ACV24K99WDPTB
amount=20000
currency=EUR
businessrelation=b2c
reference=jv-1668434776
firstname=Max
lastname=Mustermann
street=Musterweg 1
city=Musterstadt
zip=12345
country=DE
birthday=19820324
telephonenumber=491731234567
email=max@mustermann.de
ip=123.123.123.123
iban=DE12345678910111213141
add_paydata[device_token]=abcdefghijklmn123456789 (your customer device token)
add_paydata[installment_option_id]=IOP_78094545483947868a68a2fb01ac3015
it[1]=goods
it[2]=shipment
id[1]=1001001
id[2]=1001002
de[1]=Testartikel 1
de[2]=Transport
no[1]=1
no[2]=1
pr[1]=1000
pr[2]=100
va[1]=19
va[2]=19  
RESPONSE

status=APPROVED
txid=753359579
userid=483104612
POST Request - Capture
Account Parameters
request
required
Fixed Value: capture
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
common Parameters
txid
required
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
capturemode
optional
Format LIST
Value Comment
completed

Set with last capture; i.e.: Delivery completed.
No further capture is allowed.
notcompleted

Set with partial deliveries (last delivery with "completed")
Another capture is expected to complete the transaction.

Specifies whether this capture is the last one or whether there will be another one in future.
sequencenumber
optional
Format NUMERIC(1..3)
Permitted values 0..127

Sequence number for this transaction within the payment process (1..n), e.g. PreAuthorization: 0, 1. Capture: 1, 2. Capture: 2

Required for multi partial capture (starting with the 2nd capture)
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro; Pence of Pound sterling; Öre of Swedish krona.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Fixed Value EUR
settleaccount
optional
Format LIST
Value Comment
yes

Settlement of outstanding balances has been carried out.
no

Settlement of outstanding balances has not been carried out.

Provides information about whether a settlement of balances has been carried out.
add_paydata Parameters
add_paydata[cancellation_reason]
optional
Format: LIST

Note: Mandatory for Capture=0 and capturemode=completed if the capture amount is lower than the reservation amount.

Value Comment

consumer_request

The consumer requested a cancellation of the Order

undeliverable

The merchant cannot fulfill the Order

duplicate

The Order was created twice accidentally

fraudulent

Consumer turned out to be a fraudster
Response Parameters
status
Permitted Values
APPROVED
PENDING
ERROR
Response Parameter (approved)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
settleaccount
Format LIST
Value Comment
yes

Settlement of outstanding balances has been carried out.
no

Settlement of outstanding balances has not been carried out.

Provides information about whether a settlement of balances has been carried out.
Response parameters (pending)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
userid
Format NUMERIC(6..12)

PAYONE User ID, defined by PAYONE
Request Body schema: application/json
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded
Payload

aid=12345
amount=20000
currency=EUR
de[1]=Testartikel 1
de[2]=Transport
id[1]=1001001
id[2]=1001002
it[1]=goods
it[2]=shipment
key=abcdefghijklmn123456789
mid=54321
mode=live
no[1]=1
no[2]=1
portalid=12345123
pr[1]=10000
pr[2]=10000
request=capture
sequencenumber=1
settleaccount=auto
txid=753359579
va[1]=19
va[2]=19
RESPONSE

status=APPROVED
txid=753359579
settleaccount=yes
POST Request - Debit
Account Parameters
request
required
Fixed Value: debit
mid
required
your merchant ID, 5-digit numeric
aid
required
your subaccount ID, 5-digit numeric
portalId
required
your Portal ID, 7-digit numeric
key
required
your key value, alpha-numeric
add_paydata Parameters
add_paydata[cancellation_reason]
optional
Format: LIST

Note: Mandatory for Capture=0 and capturemode=completed if the capture amount is lower than the reservation amount.

Value Comment

consumer_request

The consumer requested a cancellation of the Order

undeliverable

The merchant cannot fulfill the Order

duplicate

The Order was created twice accidentally

fraudulent

Consumer turned out to be a fraudster
Common Parameters
txid
required
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
sequencenumber
required
Format NUMERIC(1..3)
Permitted values 0..127

Sequence number for this transaction within the payment process (1..n), e.g. PreAuthorization: 0, 1. Capture: 1, 2. Capture: 2

Required for multi partial capture (starting with the 2nd capture)
amount
required
Format NUMERIC(1..10)
Permitted values max. +/- 19 999 999 99

Specifies the total gross amount of a payment transaction.

Value is given in smallest currency unit, e.g. Cent of Euro.

The amount must be less than or equal to the amount of the corresponding booking.
currency
required
Fixed Value EUR
narrative_text
optional
Format CHAR(1..81)

Dynamic text element on account statements (3 lines with 27 characters each) and credit card statements.
clearingtype
optional
Fixed Value wlt
use_customerdata
optional
Format LIST
Value Comment
yes

Uses current account details from debtor's master data (default)
no

Uses the last known account details in the payment process

Use account details from debtor's master data
transaction_param
optional
Format CHAR(1..50)
Permitted Symbols [0-9][A-Z][a-z][.-_/]

Optional parameter for merchant information (per payment request)
Article Parameters
it[n]
optional
it[n] Comments
goods Goods
shipment Shipping Charges
handling Handling fee
voucher Voucher / discount
id[n]
optional
Format CHAR(1..32)
Array elements [n] starting with [1]; serially numbered; max [400]

International Article Number (EAN bzw. GTIN)

Product number, SKU, etc. of this item
pr[n]
optional
Format NUMERIC(10) max. 19 999 999 99
Array elements [n] starting with [1]; serially numbered; max [400]

Unit gross price of the item in smallest unit! e.g. cent
no[n]
optional
Format NUMERIC(6)
Array elements [n] starting with [1]; serially numbered; max [400]

Quantity of this item
de[n]
optional
Format CHAR(1..255)
Array elements [n] starting with [1]; serially numbered; max [400]

Description of this item. Will be printed on documents to customer.
va[n]
optional
Format NUMERIC(4)

VAT rate (% or bp)

Array elements [n] starting with [1]; serially numbered; max [400]
Response Parameters
status
Permitted Values
APPROVED
ERROR
Response Parameter (approved)
txid
Format NUMERIC(9..12)

The txid specifies the payment process within the PAYONE platform
settleaccount
Format LIST
Value Comment
yes

Settlement of outstanding balances has been carried out.
no

Settlement of outstanding balances has not been carried out.

Provides information about whether a settlement of balances has been carried out.
Response Parameter (error)
errorcode
Format NUMERIC(1..6)

In case of error the PAYONE Platform returns an error code for your internal usage.
errormessage
Format CHAR(1..1024)

In case of error the PAYONE Platform returns an error message for your internal usage.
customermessage
Format CHAR(1..1024)

The customermessage is returned to your system in order to be displayed to the customer.

(Language selection is based on the end customer's language, parameter "language")

 
Host: api.pay1.de
Content-Type: application/x-www-form-urlencoded
Payload

aid=12345
amount=-20000
currency=EUR
key=abcdefghijklmn123456789
mid=54321
mode=live
portalid=12345123
request=refund
sequencenumber=2
txid=753359579
RESPONSE

status=APPROVED
txid=753359579        

Sequence Diagrams

Important: The final status of transactions will be sent asynchronously.

installment/Order/Delivery/return