FinTecDeposit

FinTecSystems offers a bank independent interface to online banking interfaces from banks in Germany and Austria.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State
264	BankTransferRedirectDeposit	DepositedByProvider (13)

Payment method interaction type: Redirection to External Payment Provider (see Interaction Types).

After initiating the payment, the customer is being redirected to the website of Onlineueberweisen.com. After the payment the user is being returned back to the merchant`s URLs.

The merchant then should wait for the regular payment state notification.

📘
FinTec Deposit Returns
Refer to Bank Transfer (and Wallet) Deposit Returns for information on how to correctly handle Deposit Returns.

Redirect Integration

Not yet supported.

Backend2BackendIntegration

The following parameters can be provided in initiatePaymentRequest.specificPaymentData:

key (value type, account type, required)	value
SuccessPageUrl (string, required)	The URL to redirect user in case of successful payment
ErrorPageUrl (string, required)	The URL to redirect user in case of unsuccessful payment
PaymentProviderID (string, required)	The ID of the provider, to be set to 187.
PayerIBAN (string, optional)	The IBAN of the customer

Example initiatePaymentRequest:

<initiatePaymentRequest xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <merchantID>B2BTestMerchant</merchantID>
    <shopID>ProviderTesting</shopID>
    <merchantTransactionID>z84mn60z-mmzb-zz23-zbm9-0d1zzef6494</merchantTransactionID>
    <paymentMethodID>264</paymentMethodID>
    <amount currencyCode="EUR">10.05</amount>
    <userID>bc1544de-7443-45f6-976e-d253e5</userID>
    <userData>
        <username>bc1544de-7443-45f6-976e-d253e5</username>
    </userData>
    <userIP>127.0.0.1</userIP>
    <userSessionID>44412fac-ec9d-44de-b511-5a5cc00ada80</userSessionID>
    <creationTypeID>1</creationTypeID>
    <specificPaymentData>           
      <data xsi:type="keyIntValuePair">
           <key>PaymentProviderID</key>
           <value>187</value>
      </data>
       <data xsi:type="keyStringValuePair">
           <key>SuccessPageUrl</key>
           <value>https://gvc.com/</value>
      </data>
       <data xsi:type="keyStringValuePair">
           <key>ErrorPageUrl</key>
           <value>https://gvc.com/error</value>
      </data>
       <data xsi:type="keyStringValuePair">
           <key>PayerIBAN</key>
           <value>DE62888888880012345678</value>
      </data>
    </specificPaymentData>
</initiatePaymentRequest>

Example initiatePaymentResponse:

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>B2BTestMerchant</merchantID>
        <shopID>ProviderTesting</shopID>
        <paymentMethod>
            <key>264</key>
            <value>BankTransferRedirectDeposit</value>
        </paymentMethod>
        <merchantTransactionID>z84mn60z-mmzb-zz23-zbm9-0d1zzef6494</merchantTransactionID>
        <paymentID>87210c6f-7e2d-4570-831a-2ac36101d7f5</paymentID>
        <userID>bc1544de-7443-45f6-976e-d253e5</userID>
        <paymentProvider>
            <key>187</key>
            <value>FinTecSystems</value>
        </paymentProvider>
        <amount currencyCode="EUR">10.05</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>e7efc388-5fb8-4e01-aca1-edc239166b1d</id>
            <definition>
                <key>30</key>
                <value>RedirectURLCreated</value>
            </definition>
            <createdOn>2020-04-08T11:34:39.7087884Z</createdOn>
            <description>https://wizard.onlineueberweisen.com/wizard/ee0e2047-0cc1-41fd-8ec5-30fabe30fefb</description>
            <paymentStateDetails>
                <detail xsi:type="keyStringValuePair">
                    <key>RedirectionUrl</key>
                    <value>https://wizard.onlineueberweisen.com/wizard/ee0e2047-0cc1-41fd-8ec5-30fabe30fefb</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>PaymentStateReasonID</key>
                    <value>1</value>
                </detail>
            </paymentStateDetails>
        </state>
        <isExecuted>false</isExecuted>
        <baseAmount currencyCode="EUR">10.05</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>ee0e2047-0cc1-41fd-8ec5-30fabe30fefb</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>31550752</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>0</paymentAccountID>
        </paymentAccount>
    </payment>
</initiatePaymentResponse>

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>150001</shopID>
		<paymentMethod>
			<key>264</key>
			<value>BankTransferRedirectDeposit</value>
		</paymentMethod>
		<merchantTransactionID>3378f5c2-f632-4d6f-97b9-c4bd5d8a05c6</merchantTransactionID>
		<paymentID>5a3021a8-7727-4023-8742-23f71fb5e10d</paymentID>
		<userID>4c15d9af-6d59-44d5-897e-1d8b97</userID>
		<paymentProvider>
			<key>187</key>
			<value>FinTecSystems</value>
		</paymentProvider>
		<amount currencyCode="EUR">3.23</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>bed6abb6-f7f6-4b4c-929b-c10789daf5f7</id>
			<definition>
				<key>325</key>
				<value>InitiateRequestProviderCommunicationErrorOccurred</value>
			</definition>
			<createdOn>2020-04-23T16:18:41.5193725Z</createdOn>
			<description>Error occurred while processing payment communication for Payment[ID='31711828'].</description>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">3.23</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>PayerIBAN</key>
				<value>DE62888888880012345678</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>31711828</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>0</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

<?xml version="1.0" encoding="utf-8"?>
<initiatePaymentResponse xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
	<payment xsi:type="paymentWithPaymentAccount">
		<merchantID>B2BTestMerchant</merchantID>
		<shopID>150001</shopID>
		<paymentMethod>
			<key>264</key>
			<value>BankTransferRedirectDeposit</value>
		</paymentMethod>
		<merchantTransactionID>d803ca2f-dcb0-4fb8-90d8-6f9caf3ce7f2</merchantTransactionID>
		<paymentID>e4c56477-4599-4b3e-b16f-f7ce5944d791</paymentID>
		<userID>768929b8-b07f-4b3e-8723-770ed6</userID>
		<paymentProvider>
			<key>187</key>
			<value>FinTecSystems</value>
		</paymentProvider>
		<amount currencyCode="EUR">3.23</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>127.0.0.1</userIP>
		<state>
			<id>12eddaed-97ca-47ee-9d6c-eb0b6d3b9c84</id>
			<definition>
				<key>4</key>
				<value>InitiateErrorReportedByProvider</value>
			</definition>
			<createdOn>2020-04-23T13:10:37.9729133Z</createdOn>
			<paymentStateDetails>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseCode</key>
					<value>401</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>ProviderResponseMessage</key>
					<value>Unauthorized</value>
				</detail>
				<detail xsi:type="keyStringValuePair">
					<key>PaymentStateReasonID</key>
					<value>1</value>
				</detail>
			</paymentStateDetails>
		</state>
		<isExecuted>false</isExecuted>
		<baseAmount currencyCode="EUR">3.23</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>PayerIBAN</key>
				<value>DE62888888880012345678</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>31711268</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>0</paymentAccountID>
		</paymentAccount>
	</payment>
</initiatePaymentResponse>

Possible payment states in initiatePaymentResponse:

Payment States	Description
RedirectURLCreated (30)	Success state; Redirect user to the Success URL
BlockedByPaymentScoring (202)	Error state; Refused by the PXP Financial Risk System
RefusedByPaymentScoring (121)	Error state; Refused by the PXP Financial Risk System

After a provider notification is received, the payment moves into the following states:

Payment States	Description
DepositedByProvider (29)	Success state

Cancellations and Reverse Cancellations

Payment State	Description
Cancelled	This state is reached when a payment has not be settled after a pre-defined time. This state is used to monitor stop payments.
CancelReversed	A payment in state Cancelled is moved to state CancelReversed when the payment has been settled.

Notifications

Example handlePaymentStateChangedNotificationRequest for different states:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>YourTestMerchant</merchantID>
        <shopID>YourTestShop</shopID>
        <paymentMethod>
            <key>264</key>
            <value>BankTransferRedirectDeposit</value>
        </paymentMethod>
        <merchantTransactionID>f30e4a48-a5f9-49e8-92f0-191d0ae238cd</merchantTransactionID>
        <paymentID>49c8cdaf-aa93-40b5-8aa0-7cd6149546f7</paymentID>
        <userID>b2fc2e4f-d14b-4142-81d5-e62b28</userID>
        <paymentProvider>
            <key>187</key>
            <value>FinTecSystems</value>
        </paymentProvider>
        <amount currencyCode="EUR">3.2300</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>06561514-2ee7-4eca-ae1e-e714ce5cadcc</id>
            <definition>
                <key>29</key>
                <value>DepositedByProvider</value>
            </definition>
            <createdOn>2020-04-23T16:23:57.43</createdOn>
            <paymentStateDetails xsi:nil="true" />
        </state>
        <isExecuted>true</isExecuted>
        <isExecutedSpecified>true</isExecutedSpecified>
        <baseAmount currencyCode="EUR">3.2300</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>31711889</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>7dbbf6b6-c833-4281-8808-383fc7934e23</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>e2f4e164-8666-404a-8cad-3bcd9e5b51fd</paymentAccountID>
			<details>
                <detail xsi:type="keyStringValuePair">
                    <key>SWIFT</key>
                    <value>SFRTDE20XXX</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>BankCountryCode2</key>
                    <value>DE</value>
                </detail>
				<detail xsi:type="keyStringValuePair">
                    <key>BankName</key>
                    <value>TestBank</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IBAN</key>
                    <value>DE06000000000023456789</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwner</key>
                    <value>MUSTERMANN, HARTMUT</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</handlePaymentStateChangedNotificationRequest>

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>YourTestMerchant</merchantID>
        <shopID>YourTestShop</shopID>
        <paymentMethod>
            <key>264</key>
            <value>BankTransferRedirectDeposit</value>
        </paymentMethod>
        <merchantTransactionID>f30e4a48-a5f9-49e8-92f0-191d0ae238cd</merchantTransactionID>
        <paymentID>49c8cdaf-aa93-40b5-8aa0-7cd6149546f7</paymentID>
        <userID>b2fc2e4f-d14b-4142-81d5-e62b28</userID>
        <paymentProvider>
            <key>187</key>
            <value>FinTecSystems</value>
        </paymentProvider>
        <amount currencyCode="EUR">3.2300</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>06561514-2ee7-4eca-ae1e-e714ce5cadcc</id>
            <definition>
                <key>113</key>
                <value>Cancelled</value>
            </definition>
            <createdOn>2020-04-23T16:23:57.43</createdOn>
            <paymentStateDetails xsi:nil="true" />
        </state>
        <isExecuted>true</isExecuted>
		<isExecutedSpecified>true</isExecutedSpecified>
        <baseAmount currencyCode="EUR">3.2300</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>31711889</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>7dbbf6b6-c833-4281-8808-383fc7934e23</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>e2f4e164-8666-404a-8cad-3bcd9e5b51fd</paymentAccountID>
			<details>
                <detail xsi:type="keyStringValuePair">
                    <key>SWIFT</key>
                    <value>SFRTDE20XXX</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>BankCountryCode2</key>
                    <value>DE</value>
                </detail>
				<detail xsi:type="keyStringValuePair">
                    <key>BankName</key>
                    <value>TestBank</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IBAN</key>
                    <value>DE06000000000023456789</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwner</key>
                    <value>MUSTERMANN, HARTMUT</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</handlePaymentStateChangedNotificationRequest>

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns="http://www.cqrpayments.com/PaymentProcessing">
    <payment xsi:type="paymentWithPaymentAccount">
        <merchantID>YourTestMerchant</merchantID>
        <shopID>YourTestShop</shopID>
        <paymentMethod>
            <key>264</key>
            <value>BankTransferRedirectDeposit</value>
        </paymentMethod>
        <merchantTransactionID>f30e4a48-a5f9-49e8-92f0-191d0ae238cd</merchantTransactionID>
        <paymentID>49c8cdaf-aa93-40b5-8aa0-7cd6149546f7</paymentID>
        <userID>b2fc2e4f-d14b-4142-81d5-e62b28</userID>
        <paymentProvider>
            <key>187</key>
            <value>FinTecSystems</value>
        </paymentProvider>
        <amount currencyCode="EUR">3.2300</amount>
        <creationType>
            <key>1</key>
            <value>User</value>
        </creationType>
        <userIP>127.0.0.1</userIP>
        <state>
            <id>06561514-2ee7-4eca-ae1e-e714ce5cadcc</id>
            <definition>
                <key>508</key>
                <value>CancelReversed</value>
            </definition>
            <createdOn>2020-04-23T16:23:57.43</createdOn>
            <paymentStateDetails xsi:nil="true" />
        </state>
        <isExecuted>true</isExecuted>
		<isExecutedSpecified>true</isExecutedSpecified>
        <baseAmount currencyCode="EUR">3.2300</baseAmount>
        <paymentDetails>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderExternalID</key>
                <value>31711889</value>
            </detail>
            <detail xsi:type="keyStringValuePair">
                <key>ProviderTransactionID</key>
                <value>7dbbf6b6-c833-4281-8808-383fc7934e23</value>
            </detail>
        </paymentDetails>
        <paymentAccount>
            <paymentAccountID>e2f4e164-8666-404a-8cad-3bcd9e5b51fd</paymentAccountID>
			<details>
                <detail xsi:type="keyStringValuePair">
                    <key>SWIFT</key>
                    <value>SFRTDE20XXX</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>BankCountryCode2</key>
                    <value>DE</value>
                </detail>
				<detail xsi:type="keyStringValuePair">
                    <key>BankName</key>
                    <value>TestBank</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>IBAN</key>
                    <value>DE06000000000023456789</value>
                </detail>
                <detail xsi:type="keyStringValuePair">
                    <key>AccountOwner</key>
                    <value>MUSTERMANN, HARTMUT</value>
                </detail>
            </details>
        </paymentAccount>
    </payment>
</handlePaymentStateChangedNotificationRequest>

📘FinTec Deposit Returns

Redirect Integration

Backend2BackendIntegration

Cancellations and Reverse Cancellations

Notifications

📘
FinTec Deposit Returns