Payment Options

In the first step of the payment process, the customer can choose from a variety of payment options.

The table below lists payment options and the corresponding Payment Option Code used in API methods and the SDKs. Contact Customer Support or your administrator to check the individual payment option codes enabled for your individual integration use case.

Payment options overview

Credit card

Payment option	Payment option code
VISA	VISA
Mastercard	MSTRCRD
American Express	AMEX
Discover	DISCOVER

Debit card

Payment option	Payment option code
VISA Debit	VISADBIT
Maestro	MSTRO
Carte Bancaire	CRTBANCAIR

SEPA

Payment option	Payment option code
Bank Account	BNKACCT

E-Wallets

Payment option	Payment option code
Apple Pay	APPLPAY
Google Pay	GGLPAY
PayPal	PAYPAL

Real time bank transfer

Payment option	Payment option code
GiroPay	GIROPAY
iDEAL	IDEAL
PayU Pay-by-Link	PAYU
PayU Installments	PAYUINST
TWISTO Pay Later	PAYUTWST
BLIK	PAYUBLK

You can obtain all payment options associated with the Merchant Account in your Digital Marketplace by calling the applicable API method as described in section 1. Get Payment Options.

Hence, the process of selecting of a payment option is divided in the following steps.

1. Get Payment Options
2. Customer Selects a Payment Option
3. Get Stored Payment Option Reference

1. Get Payment Options

info

This step is not mandatory. Although it allows for a more dynamic approach, the selectable payment options can be hardcoded as well.

The API request 1.21 Get Payment Options provides the list of payment options associated with an account.

Send the Account Number (here MERCHANT-DE4321), Account Number Type, a locale time stamp and several other parameters via a server-side call to our API. You find the complete API Reference here.

Get Payment Options Request

Path:

GET {baseURL}/account/MERCHANT-DE4321/paymentOptions?programCode=COMPANYDE&accnoType=00&partnerReference= DEV-SVR001-DE_CUSTID-QYX8MMMK9Y_CARTID-2VFKHW9YD6_TKDYKY8W9M&transactionTypeCode=INITAUTH&localDate=2018-10-15&localTime=155027

Header:
Content-Type: application/json
Accept-Language: en-US
X-Auth-Token: eyJhbGciOiJSUzI1NiI{abbreviated}RW5kVG9rZW4=

The API response includes all available payment options associated with the account.

Get Payment Options Response

Status Code:

200 (OK)

Header:
Content-Type: application/json
Accept-Language: en-US

{
    "accno": "MERCHANT-DE4321",
    "transactionTypeCode": "INITAUTH",
    "paymentOptions": [
        {
            "name": "VISA",
            "code": "VISA",
            "paymentGroup": "Cards",
            "paymentGroupCode": "CARDS",
            "paymentSubGroup": "Credit Cards",
            "paymentSubGroupCode": "CRDTCRD",
            "isStorable": true,
            "iconUrl": "https://.../visa.png"
        },
{
            "name": "Bank Account",
            "code": "BNKACCT",
            "paymentGroup": "Banks",
            "paymentGroupCode": "BANKS",
            "paymentSubGroup": "SEPA",
            "paymentSubGroupCode": "SEPA",
            "isStorable": true,
            "iconUrl": "https://.../sepa.png"
        }
    ],
    "programCode": "COMPANYDE",
    "partnerReference": "TEST-29RP2W9D64",
    "localDate": "2018-10-15",
    "localTime": "155027",
    "sysDate": "2018-10-15",
    "sysTime": "155036",
    "responseCode": "0000",
    "responseDescription": "Successful execution",
    "additionalInformation": {
        "requestId": "aff2728481a181dc36daedc14055b516"
    }
}

In the interest of legibility we omitted parts of the "iconURL".

2. Customer Selects a Payment Option

Redirect the shopper from the Checkout to your webpage displaying either the hardcoded or previously requested payment options. After the customer selected a payment option, you request the associated stored payment option reference as described in the section below.

3. Get Stored Payment Option Reference

The Technical Account solution allows you to store and manage multiple payment options for an account (see Payment Option Management). Use an API request as described in section Get Stored Payment Option to check if the previously selected payment option has already been stored.

If that's the case, use the associated payment option reference and proceed to the Authorization. Otherwise, the new payment option can be stored in accordance to the section Store New Payment Option.

note

Please note, that some payment options (e.g., real time bank transfer) are not storable. This is indicated by the paramter "isStorable" in the Get Payment Options response.

The payment process for non-storable payment options is described in the Guest Payment integration.