Instalment checkout

Learn the payment flow for an instalment payments integration where the customer pays a deposit with the iframe checkout and then you collect recurring payments.

1. Create the checkout in the payment gateway

The first step is to perform a POST request to the payment gateway to create a checkout, with the payment type, amount, currency, and required attributes.

Here is an example request to create a checkout for the initial payment of an instalment order.

curl https://eu-test.oppwa.com/v1/checkouts \
-H "Accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded; charset=UTF-8" \
-d "entityId={channelId}" \
-d "amount=20.05" \
-d "currency=EUR" \
-d "paymentType=DB" \
-d "integrity=true" \
-d "merchantTransactionId=P128" \
-d "billing.street1=Ave. Diagonal 611" \
-d "billing.city=Barcelona" \
-d "billing.country=ES" \
-d "billing.postcode=08028" \
-d "standingInstruction.type=INSTALLMENT" \
-d "standingInstruction.mode=INITIAL" \
-d "standingInstruction.source=CIT" \
-d "standingInstruction.numberOfInstallments=999" \
-d "standingInstruction.expiry=9999-12-31" \
-d "standingInstruction.frequency=0001" \
-d "createRegistration=true" \
-d "[email protected]" \
-d "customer.ip=2001:8a0:7f4b:1b00:dd4e:2bf6:1fb8:56af" \
-d "customer.givenName=John" \
-d "customer.surname=Smith" \
-d "customer.phone=34667666666" \
-d "customer.merchantCustomerId=CUST01" \
-d "threeDSecure.challengeIndicator=04" \
-d "customParameters[StoreCredentialType]=CIT" \
-d "customParameters[CRMCustomerID]=CRM CUST01" \
-d "customParameters[InstalmentsID]=I-00100" \
-d "customParameters[PaymentType]=Instalment" \
-d "customParameters[3DS2_enrolled]=true" \
-d "customParameters[3DS2_flow]=challenge" \
-d "testMode=EXTERNAL" \
-H "Authorization: Bearer {auth_token}"

Replace the example values with your values and replace the {channelId} and {auth_token} with your API credentials.

Here are some notes about the parameters in this request.

When you are testing your integration, you can use the following parameters.

For more details of 3DS testing, see the Gateway 3DS testing guide

For full details of all the parameters, see the Gateway API reference.

Your successful request will receive a JSON response.

Response Example:

{
  "result":{
    "code":"000.200.100",
    "description":"successfully created checkout"
  },
  "buildNumber":"d7f3057c29b9a26d5151336767387bb393720d7e@2024-10-14 09:16:49 +0000",
  "timestamp":"2024-10-15 15:16:31+0000",
  "ndc":"FB76D9A1B7D1CAC70A03923F903F74FB.uat01-vm-tx03",
  "id":"FB76D9A1B7D1CAC70A03923F903F74FB.uat01-vm-tx03",
  "integrity":"sha384-/j1gGQsS/nAgGp9u7LjRlD7nwA3h+yXS5aEP/vbzrbpgPWuRDhCuFok3J8lWVC3X"
}

From this response, you will need the value of the id and integrity for the next step.

2. Create the payment form on your web page

To create the payment form on your web page, add the following lines of JavaScript and HTML and enter the following variables.

1. This script gets the checkout from the payment gateway. Replace the {checkoutId} with the value of the id and replace {integrity} with the value of integrity from the response in Step 1. Replace anonymous with the address of your website that loads the COPYandPAY checkout.

<script 
        src="https://eu-test.oppwa.com/v1/paymentWidgets.js?checkoutId={checkoutId}"
        integrity="{integrity}"
        crossorigin="anonymous">
</script>

2. This HTML displays the checkout. The shopperResultUrl is a page on your site where the customer should be redirected after payment processing.

<form action="{shopperResultUrl}" class="paymentWidgets" data-brands="VISA MASTER"></form>

For example, a checkout script could look like this.

<script src="https://eu-test.oppwa.com/v1/paymentWidgets.js?checkoutId=702B930F656317E0D29A22D195F75A59.uat01-vm-tx03"
        integrity="sha384-KnYRC1jbE3C9SMGbJ5eU2Gx+AM9PCaApfqS6lk8MpPlvk9jIii4PFu297dPu4wcy"
        crossorigin="https://example.com">
</script>

For example, your checkout HTML could look as follows.

<form action="https://myshop.example.com/paid" class="paymentWidgets" data-brands="VISA MASTER"></form>

You can use the same checkout ID multiple times to retrieve a valid payment form. If a customer does
not finish the payment and then reloads the page or uses the browser's back button, you do not need to create a new checkout, but these actions can result in multiple transactions in the system. For example, there can be one or more failed transactions and one successful transaction from the same checkout ID.

The checkout expires in 30 minutes, and after it expires, you must renew the checkout. Send a new request to create a checkout and use the new checkoutId to create the payment form again.

👍

Customise the payment widget

To customise the payment widget to match the look of your own site, see this customisation guide and the advanced options guide.

You can also add extra fields to this form, for example, to obtain the customer details during checkout.

To display some sample customisations, go to demo checkouts. You can obtain the code for the demo checkouts at Demo checkouts on GitHub.

Here is an example of a basic instalment payment iframe customisation.

3. Get payment status from the checkout in the gateway

When the payment has been processed, CardCorp will redirect the customer to your shopperResultUrl.

To get the payment status, make a GET request to the payment link of your checkout in the gateway, as follows.

curl -G https://eu-test.oppwa.com/v1/checkouts/{id}/payment \
-d "entityId=8ac7a4ca73522ba8017353bdfb9b0639" \
-H "Authorization: Bearer {auth_token}"

Replace the {id}and the {auth_token} with your values.

Here is an example of the result of a successful payment.

{
  "id":"8ac7a4a1913510db0191363e7df14abc",
  "registrationId":"8ac7a4a2913518d801913615c8e01104",
  "processingEntityId":"{channelId}",
  "paymentType":"DB",
  "paymentBrand":"MASTER",
  "amount":"400.00",
  "currency":"EUR",
  "descriptor":"3001.6111.5167 ECOMChannel",
  "merchantTransactionId":"P130",
  "recurringType":"INITIAL",
  "result":{
    "cvvResponse":"U",
    "code":"000.100.112",
    "description":"Request successfully processed in 'Merchant in Connector Test Mode'"
  },
  "resultDetails":{
    "ExtendedDescription":"Approved",
    "usedChallengeIndicator":"04",
    "clearingInstituteName":"SecureTrading Omnipay Demo",
    "ConnectorTxID1":"866380||true|UMCC634161   ||0809|029| ||INSTALLMENT|80||false|false|false|812|2",
    "connectorId":"422207866380",
    "ConnectorTxID3":"422207866380|00|||1||0809074128|||||||||||||Berlin|",
    "ConnectorTxID2":"697761||8ac7a0b39134af7f01913615dffe04dd",
    "AcquirerResponse":"00",
    "reconciliationId":"3001.6111.5167",
    "CardholderInitiatedTransactionID":"MCC6341610809",
    "SchemeResponseCode":"00"
  },
  "card":{
    "bin":"520000",
    "binCountry":"MY",
    "last4Digits":"0049",
    "holder":"John Smith",
    "expiryMonth":"02",
    "expiryYear":"2027",
    "issuer":{
      "bank":"PUBLIC BANK BERHAD",
      "website":"HTTPS://WWW.PBEBANK.COM/",
      "phone":"1-800-22-5555"
    },
    "type":"CREDIT",
    "level":"STANDARD",
    "country":"MY",
    "maxPanLength":"16",
    "binType":"PERSONAL",
    "regulatedFlag":"N"
  },
  "customer":{
    "givenName":"John",
    "surname":"Smith",
    "merchantCustomerId":"CUST05",
    "phone":"34667666666",
    "email":"[email protected]",
    "ip":"2001:8a0:7f4b:1b00:dd4e:2bf6:1fb8:56af"
  },
  "billing":{
    "street1":"Calle Principal 123",
    "city":"Barcelona",
    "postcode":"08028",
    "country":"ES"
  },
  "threeDSecure":{
    "eci":"02",
    "version":"2.2.0",
    "dsTransactionId":"3e3ab66a-8e7e-4633-ae66-6df9e2ed64d9",
    "challengeMandatedIndicator":"N",
    "transactionStatusReason":"17",
    "acsTransactionId":"57974929-a019-4f4d-ae98-75ef5fc29ea1",
    "cardHolderInfo":"",
    "authType":"01",
    "flow":"challenge",
    "authenticationTimestamp":"202408090741",
    "authenticationStatus":"Y"
  },
  "customParameters":{
    "StandingInstructionAPI":"true",
    "3DS_enrolled":"true",
    "SHOPPER_EndToEndIdentity":"e13a1b714f9eea149348dc9bdcf2878f1b1770dd793bea79cb64981c9c15d283",
    "CTPE_DESCRIPTOR_TEMPLATE":"",
    "InstalmentsID":"I-00101",
    "StoredCredentialType":"CIT",
    "PaymentType":"Instalment",
    "CRMCustomerID":"CRM-CUST05",
    "3DS2_flow":"challenge",
    "StoreCredentialType":"CIT"
  },
  "risk":{
    "score":"0"
  },
  "buildNumber":"174903ec91870d5654938dd40f55da3b35036b23@2024-08-08 12:50:27 +0000",
  "timestamp":"2024-08-09 07:41:28+0000",
  "ndc":"02538F39CDCD6BE78BFE4F81E452DE3B.uat01-vm-tx03",
  "standingInstruction":{
    "source":"CIT",
    "type":"INSTALLMENT",
    "mode":"INITIAL",
    "initialTransactionId":"MCC6341610809",
    "expiry":"9999-12-31",
    "frequency":"0001",
    "numberOfInstallments":"999"
  },
  "source":"OPPUI",
  "paymentMethod":"CC",
  "shortId":"3001.6111.5167"
}

To interpret the payment response, see Transaction results.

To collect a repeated payment for an instalment order, you will need the card registrationId and the CardholderInitiatedTransactionID from the approved payment result.

There is a request limit for payment status calls, after which the gateway will reduce your access to the endpoint with throttling. You can send two (2) GET payment requests per minute for each checkout ID.

When you get the payment response status, compare the returned values with the expected values for the following fields: ID(s), amount, currency, brand and type.

After a payment response status is successful, you cannot use the checkout identifier again. So if you need to get the status, use the Transaction Reports endpoint with the payment id. You will also need the id to manage payments with the Backoffice API. See Backoffice API operations.

4. Collect a repeated payment for an instalment order

After you have taken a deposit and saved the customer's card, you can use the payments API to collect a repeated payment for an instalment order. You will need the cardholder-initiated transaction identifier from the initial payment.

Perform a POST request to the payment gateway to collect a repeated payment for an instalment order.

curl https://eu-test.oppwa.com/v1/registrations/{registrationId}/payments \
-H "Accept: application/json" \
-H "Content-Type: application/x-www-form-urlencoded; charset=UTF-8" \
-d "entityId={channelId}" \
-d "amount=20.06" \
-d "currency=EUR" \
-d "paymentType=DB" \
-d "merchantTransactionId=P129" \
-d "standingInstruction.type=INSTALLMENT" \
-d "standingInstruction.mode=REPEATED" \
-d "standingInstruction.source=MIT" \
-d "standingInstruction.initialTransactionId={CardholderInitiatedTransactionID}" \
-d "customer.ip=2001:8a0:7f4b:1b00:dd4e:2bf6:1fb8:56af" \
-d "customParameters[CRMCustomerID]=CUST01" \
-d "customParameters[InstalmentsID]=I-00100" \
-d "customParameters[TransactionID]=P-00006000" \
-d "customParameters[StoreCredentialType]=MIT" \
-d "testMode=EXTERNAL" \
-H "Authorization: Bearer {auth_token}"

Replace the example values with your values and replace the {channelId} and {auth_token} with your API credentials, and replace the {CardholderInitiatedTransactionID}with the value from your initial transaction.

Here are some notes about the parameters in this request.

When you are testing your integration, you can use the following parameters.

You will receive a JSON response like the one below, which shows an approved payment.

{
  "id": "{channelId}",
  "paymentType": "DB",
  "amount": "400.00",
  "currency": "EUR",
  "descriptor": "6928.7758.3391 ECOMChannel ",
  "merchantTransactionId": "P135",
  "result": {
    "code": "000.100.112",
    "description": "Request successfully processed in 'Merchant in Connector Test Mode'"
  },
  "resultDetails": {
    "ExtendedDescription": "Approved",
    "clearingInstituteName": "SecureTrading Omnipay Demo",
    "ConnectorTxID1": "867809||false| MCC634196   ||0809|| ||INSTALLMENT|80||true|true|false|812|2",
    "ConnectorTxID3": "422208867809|00|||1||0809080059|||||||||||||Berlin|",
    "connectorId": "422208867809",
    "ConnectorTxID2": "137298||8ac7a0b39134af7f01913627bed70511",
    "AcquirerResponse": "00",
    "reconciliationId": "6928.7758.3391",
    "merchantAccountId": "8ac7a4c890fc748b0190fe70998c0248",
    "CardholderInitiatedTransactionID": "MCC6341960809",
    "SchemeResponseCode": "00"
  },
  "customer": {
    "ip": "2001:8a0:7f4b:1b00:dd4e:2bf6:1fb8:56af"
  },
  "customParameters": {
    "CRMCustomerID": "CUST01",
    "InstalmentsID": "I-00100",
    "StoreCredentialType": "MIT",
    "TransactionID": "P-00006000"
  },
  "risk": {
    "score": "0"
  },
  "buildNumber": "174903ec91870d5654938dd40f55da3b35036b23@2024-08-08 12:50:27 +0000",
  "timestamp": "2024-08-09 08:01:00+0000",
  "ndc": "8ac7a4c890fc748b0190fe6ad56b0241_dc3e169a224849178aa8da7a63c2f245",
  "standingInstruction": {
    "source": "MIT",
    "type": "INSTALLMENT",
    "mode": "REPEATED",
    "initialTransactionId": "MCC6341960809"
  },
  "source": "OPP",
  "paymentMethod": "CC",
  "shortId": "6928.7758.3391"
}

To interpret the payment response, see Transaction results. As before, you can use the id to manage the payment with the Backoffice API. See Backoffice API operations.

View the full technical integration guide

The integration guide provides a comprehensive playground with code samples in all major programming languages.

Integration Guide. For request data that you can use in the playground, see Gateway playground COPYandPAY data

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