Bancontact/Mister Cash Deposit (via Smart2Pay)

Payment Method Bancontact, formerly known as Mister Cash till April 2016, is the market leader in electronic payments in Belgium.

The following method IDs are covered in this section:

ID	Name	Credit/Debit State	Reversal State
112	MisterCashDeposit	DepositedByProvider (13)

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

Redirect Integration

Supported.

Backend2BackendIntegration

The URL for Success, Error, Pending and Cancel can be provided in initiatePaymentRequest.specificPaymentData as the provider also sends notification for all these states to PXP Financial, and PXP Financial notifies the merchant accordingly.

key (value type, account type, required)	value
SuccessPageUrl (string)	URL of the merchant´s success page
ErrorPageUrl* (string)	URL of the merchant´s error page
PendingPageUrl* (string)	URL of the merchant's pending page
CancelPageUrl* (string)	URL of the merchant´s cancel page

Example initiatePaymentRequest:

<initiatePaymentRequest xmlns="http://www.cqrpayments.com/PaymentProcessing" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsd="http://www.w3.org/2001/XMLSchema">
	<merchantID>YourMerchantID</merchantID>
	<shopID>YourShopID</shopID>
	<merchantTransactionID>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
	<paymentMethodID>112</paymentMethodID>
	<amount currencyCode="EUR">100</amount>
	<userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
	<userData></userData>
	<userIP>127.0.0.1</userIP>
	<userSessionID>6a956eae-d903-4a01-8170-20dae92673d1</userSessionID>
	<creationTypeID>1</creationTypeID>
	<specificPaymentData>
		<data xsi:type="keyStringValuePair">
			<key>SuccessPageUrl</key>
			<value>http://successpage.url</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>ErrorPageUrl</key>
			<value>http://errorpage.url</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>PendingPageUrl</key>
			<value>http://pendingpage.url</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>CancelPageUrl</key>
			<value>http://cancelpage.url</value>
		</data>
		<data xsi:type="keyStringValuePair">
			<key>HomePageUrl</key>
			<value>http://homepage.url</value>
		</data>
	</specificPaymentData>	
</initiatePaymentRequest>

ExampleinitiatePaymentResponse:

<initiatePaymentResponse xmlns="http://www.cqrpayments.com/PaymentProcessing">
			<payment>
				<merchantID>YourMerchantID</merchantID>
				<shopID>YourShopID</shopID>
				<paymentMethod>
					<key>112</key>
					<value>Smart2PayMisterCashDeposit </value>
				</paymentMethod>
				<merchantTransactionID>0e23b2f1-1d92-4ddd-8d43-9de4e77e279b</merchantTransactionID>
				<paymentID>8817319c-535f-4a95-a1ef-d41adddc23cd</paymentID>
				<userID>d48693ca-e96e-4ca1-9e01-035645a79399</userID>
				<paymentProvider>
					<key>41</key>
					<value>Smart2Pay</value>
				</paymentProvider>
				<amount currencyCode="EUR">100</amount>
				<creationType>
					<key>1</key>
					<value>User</value>
				</creationType>
				<userIP>127.0.0.1</userIP>
				<state>
					<id>a9c94001-0e2b-4c7f-9c02-99a59a069b9c</id>
					<definition>
						<key>287</key>
						<value>RedirectDataCreated</value>
					</definition>
					<createdOn>2011-05-02T14:50:39.7811376Z</createdOn>
					<description>https://europay.smart2pay.com/Landing.aspx?TRXID=c1ae3774-6bbc-4931-9269-21cc2fc292b0</description>
					<paymentStateDetails>
						<detail xsi:type="keyStringValuePair" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
							<key>RedirectionUrl</key>
							<value>https://europay.smart2pay.com/Landing.aspx?TRXID=c1ae3774-6bbc-4931-9269-21cc2fc292b0</value>
						</detail>
						<detail xsi:type="keyStringValuePair" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
							<key>PostDataencINFO</key>
							<value>
5609FF5C2A7060F2F16EC1F6FE037A85</value>
						</detail>
						<detail xsi:type="keyStringValuePair" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
							<key>PostDataKeys</key>
							<value>encINFO</value>
						</detail>
					</paymentStateDetails>
				</state>
				<isExecuted>false</isExecuted>
				<baseAmount currencyCode="EUR">100</baseAmount>
				<paymentDetails xsi:nil="true" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"></paymentDetails>
			</payment>
		</initiatePaymentResponse>

Possible payment states in initiatePaymentResponse:

Payment States	Description
RedirectDataCreated* (287)	OK state; Redirect user to the URL
ProviderCommunicationErrorOccurred* (233)	Error state; Communication error during payment finalization
InitiateErrorReportedByProvider* (4)	Error state; Technical error during payment initialization. See below table for list of error codes.
InitiateRequestProviderCommunicationErrorOccurred* (325)	Error state; Technical error during payment initialization
BlockedByPaymentScoring* (202)	Error state; Refused by the PXP Financial Risk System
RefusedByPaymentScoring* (121)	Error state; Refused by the PXP Financial Risk System

Provider specific error codes:

ErrorCode	ErrorMessage
MR0001	Xml invalid format
EP0002	Xml is not well formed
EP0003	Invalid format for Merchant ID
EP0004	Merchant ID does not exist
EP0005	Transaction cannot be processed at this moment
EP0006	Merchant is locked
MR0007	Transaction cannot be created
EP0008	This payment method is not supported at this time
EP0009	Invalid Transaction ID
MR0010	Cannot return transaction status
EP0011	Invalid country code
EP0012	Request is not allowed
EP0013	Merchant is locked for this method. Please contact our technical department

Notifications

The standard notification mechanism is used for notifying the merchant in the background (asynchronously) about payment state changes. For more information see PaymentStateChangedNotification.

Example handlePaymentStateChangedNotificationRequest:

<?xml version="1.0" encoding="utf-8"?>
<handlePaymentStateChangedNotificationRequest 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>KalixaAcceptDEMO</merchantID>
		<shopID>KalixaAcceptDEMO</shopID>
		<paymentMethod>
			<key>112</key>
			<value>MisterCashDeposit</value>
		</paymentMethod>
		<merchantTransactionID>20141216_5</merchantTransactionID>
		<paymentID>d76c3f8e-5a6d-47bb-ab3f-2b5a76c03245</paymentID>
		<userID>KalxiaTestUser_7</userID>
		<paymentProvider>
			<key>41</key>
			<value>Smart2Pay</value>
		</paymentProvider>
		<amount currencyCode="EUR">100.0000</amount>
		<creationType>
			<key>1</key>
			<value>User</value>
		</creationType>
		<userIP>195.72.132.1</userIP>
		<state>
			<id>ef767ec8-a0f3-4f0f-afa0-78448d38c6e9</id>
			<definition>
				<key>29</key>
				<value>DepositedByProvider</value>
			</definition>
			<createdOn>2014-12-16T13:00:57.793</createdOn>
			<paymentStateDetails xsi:nil="true" />
		</state>
		<isExecuted>true</isExecuted>
		<baseAmount currencyCode="EUR">100.0000</baseAmount>
		<paymentDetails>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderExternalID</key>
				<value>714232</value>
			</detail>
			<detail xsi:type="keyIntValuePair">
				<key>PaymentScoring</key>
				<value>714232</value>
			</detail>
			<detail xsi:type="keyStringValuePair">
				<key>ProviderTransactionID</key>
				<value>fe409bf7-33e3-49ad-b739-858ae92e2e46</value>
			</detail>
		</paymentDetails>
		<paymentAccount>
			<paymentAccountID>0</paymentAccountID>
		</paymentAccount>
	</payment>
</handlePaymentStateChangedNotificationRequest>