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>
Updated over 3 years ago