Initiate an Immediate Transfer

Flow

The Immediate payment flow using the Fintecture Connect webview has been simplified into the following steps and illustrated using the payment flow below:

  1. Request a PIS dedicated access token
  2. Create a Payment Session and redirect the payer (i.e. PSU) to the returned Connect URL
  3. Verify the payment on callback such that the payment status and order ID matches
  4. Listen to Webhook to intercept payments status change events as a redundant channel to the redirect callback

🚧 Important

Signature, digest, date and x-request-id headers are optional in SANDBOX environment but mandatory when calling the PRODUCTION one.

πŸ’‘ Note

Step 4 is identified as optional but as the payment method relies mostly on a redirection authentication model, it is important to use a redundant payment notification channel in case the redirection fails. Some implementations use webhooks as the main payment notification channel and the redirection simply used to display the resulting payment result.

B2C RecipeB2B RecipePostmanDiagram

Payment statuses

Below are detailed the payment statuses encountered in the case of an immediate payment.

πŸ’‘ Note

To ease reproducing some of your scenarios, here are some tips to reach the different statuses in SANDBOX environment.

πŸ’‘ Note

Do not hesitate to consult all of the payment statuses for more information.

1. Request an Access Token

The first step is to authenticate your application with the Fintecture API Gateway and this is done using the /access token API, as illustrated.

To use the API, you must first created a basic token. To do so, encode the following string using a base64 encoder:

`basic_token` = base64(`app_id`:`app_secret`)

Include your app_id and basic_token the the following request

POST /oauth/accesstoken HTTP/1.1
Authorization: Basic [basic_token]
Accept: application/json
Content-Type: application/x-www-form-urlencoded

grant_type=client_credentials&app_id=[app_id]&scope=PIS

The expected response is the following

{
  "token_type": "Bearer",
  "access_token": "eyJhbGciOiJub25lIn0.eyJleHAiOjE1MTQwODA0MjQsI...",
  "expires_in": 3600
}

Store the access_token for the next step

2. Create a Payment Session

The second step is to create a Payment Session to receive the connect URL which will enable to user to complete his payment flow.

Simply POST the illustrated request including all the necessary headers, body and query string. For more information on each field, see the /connect API

POST /pis/v2/connect?redirect_uri=[redirect_uri]&state=[state] HTTP/1.1
Authorization: Bearer [access_token]
Signature: [signature]
Digest: [digest]
Date: [date]
x-request-id: [request_id]
Accept: application/json
Content-Type: application/json

{ 
    "meta": {
        "psu_name" : "Julien Lefebre",
        "psu_company": "My Business SARL"
        "psu_email" : "[email protected]",
        "psu_phone" : "09743593535",
        "psu_incorporation": "123456789",
        "psu_address": {
            "street": "rue Marie Stuart",
            "number": "2",
            "complement": "2nd floor",
            "zip": "75002",
            "city": "PARIS",
            "country": "FR"
        }
    },
    "data": {
        "type" : "payments", 
        "attributes" : {
            "amount" : "273", 
            "currency": "EUR", 
            "communication" : "B34970692"
        }
    }
}

The expected response is the following

{
    "meta": {
        "session_id": "44f00841780445d4981be9ea2f8aafae",
        "url": "https://connect-v2.fintecture.com/v2/00547d75-243e-48ce-9b0c-12136c076a8a"
    }
}

The response of a successful request is the Connect URL and the corresponding payment session_id which will enable you to follow the transaction using the /payments/[session_id] API

After redirecting the PSU to the Connect URL, they will be able to select their bank and initiate the payment from their bank's portal. Following the payment initiation, they will be redirected back to your redirect_uri with the following query string parameters:

  • session_id: the payment session_id
  • status: the status of the payment (see status section for more information on the status)
  • provider: the bank code which the PSU connected to
  • customer_id: the identifier of the payment user
  • state: the state parameter which you provided during the PIS Connect URL

3. Fetch the Payment Status

The payment validation is verifying that the payment has either been successful or not.

Start by considering the returned parameters from the callback. The redirection url is composed of the following parameters:

redirect_uri?session_id=session_id&status=status&provider=provider&customer_id=customer_id&state=state

Using the callback query string parameter session_id, you can call the API at the /payments/[session_id] endpoint. The returned values from the /payments/[session_id] endpoint are the actual payment values you can consider.

On your end, retrieve the order reference using the callback state query parameter which you stored locally. Reconcile the order reference and only then can you validate the payment and consider the payment status from the returned payload.

πŸ“˜

Reconciliation tip

The merchant order reference should be sent in the communication field of the payment as to be able to validate the payment on callback and enable refund.

GET pis/v2/payments/[session_id] HTTP/1.1
Accept: application/json
Authorization: Bearer [access_token]
Signature: [signature]
Date: [date]
X-Request-Id: [x-request-id]

The expected response will be

{ 
    "meta": {
        "session_id": "44f00841780445d4981be9ea2f8aafae", 
        "status": "payment_created",
        "code": 200,
        "provider": "cmcifr2a",
        "is_accepted": true,
        "has_settlement_completed": true,
        "type": "PayByBank",
        "initial_type": "PayByBank",
        "customer_id": "3621eacaccd04fa772638dec70da323c"
    },
    "data": { 
        "id": "44f00841780445d4981be9ea2f8aafae",
        "type": "payments",
        "attributes": { 
            "amount": "273", 
            "currency": "EUR", 
            "communication": "B34970692", 
            "end_to_end_id": "44f00841780445d4981be9ea2f8aafae",
            "execution_date": "2021-02-28",
            "payment_scheme": "SEPA",
            "transfer_state": "completed",
            "bank_account_id": "ee6f357e-e49c-4ff2-954f-b92f237cc800",
            "account_type": "external"
        }
    }
}

4. Webhooks

Webhooks enables you to be notified of an event such as a payment status change.

In the context of a payment model based on redirection, it is important to use a redundant payment notification channel in case the redirection fails. Some implementations uses webhooks as the main payment notification channel and the redirection simply displays the resulting payment result.

You can add webhooks to your application using the Console. The configuration of a webhook requires the following three parameters:

  • url: The URL to which the event message will be sent
  • offset: The delay in minutes after which the event message will be sent once an event occurs
  • event: The list of events to which you want to subscribe the webhook

The webhook is a x-www-form-urlencoded POST request which is signed using your public key. Verify the signature using your private key, and only then process the order based on the result of the payment.

πŸ“˜

Exponential Time Increment

Webhook will retry 10x with an exponential time increment if your sever doesn't respond with a HTTP code in the 2XX range.

The HTTP request made by our servers to your endpoint will be similar to the following:

POST /webhook HTTP/1.1
Host: mywebsite.com
Signature: keyId="2dfdcf57-5b2f-4309-846f-913d0b2802cf",algorithm="rsa-sha256",headers="date digest x-request-id",signature="h0V0SUbjRhLEP/MiYo0Mgs1N17EuCEmKyQrDjxysc7iSiFXTjvY6qVEoaiRkzB8ZI0J39gGwOtTXN9CJPVRbhEHhi9Z9rQvM33FkygXvvx8BwM76fSTQ2/BSZWx04CjbPv/XUVusnkKVr3W6p+Vn073hAuJn1nKCvDOyl+QnDtstkzT+UacVzDA9L9nyPbbaPQHJobaZuG8TjhnI+Y0PZxneke6OU6fcdPT0uwkEamDOOExcMryHIX1iH5iiPMvLoVA8acqvvMSDYar0rlEQ2J1M4dcowWT8FxLo6C8uqvJIaBYm7Ze0RNJOwY0UBImCVDIuQLJuBjPwjQT5GjTQlg==
Digest: SHA-256=wOtTXN9CJPVRbhEHhi9Z9rQvM33FkygXvvx8BwM76fS
Date: Mon, 08 Jun 2020 23:11:23 GMT
X-Request-ID: 88c414df-6895-48db-8ef3-1fd1ce4272c6
Content-Type: application/x-www-form-urlencoded

session_id=b2bca2bcd3b64a32a7da0766df59a7d2&status=payment_created&customer_id=1ef74051a77673de120820fb370dc382&provider=provider&state=thisisastate