The principle
This payment method allows merchants to offer buyers the payment of purchases in several installments.
The merchant specifies in the payment request:
- The amount of the first maturity (default equal to the amount of other maturities);
- The amount of other maturities (one amount for all others);
- The total number of deadlines;
- The day of the month of the other deadlines (for the withdrawals whose period is at least equal to the month, by default, the day of the current date).
The authorization of the first expiry is made the day of the order.
Validation (capture) can be performed at the same time or independently.
Other deadlines, payment action 'Authorization + Validation' are planned:
- For daily payments, all the following days.
- For weekly payments, the same day of the week as the order
- For bi-weekly payments, every two weeks, the same day of the week as the order
- For other payments, the day of the month specified by the merchant or its default value. The second deadline occurs during the nth month following the order, where n is the number of months between two deadlines.
To make the payment due, Payline stores the buyer's card data and stores it in a wallet or wallet. If you do not send us a wallet ID in your payment request, we create an implicit wallet it is a backup of the card data only during the period of validity of the payment file.
Payment in 3 times
Step 1: Initialize the Web Payment Request
This step is carried out with the web service "doWebPayment".
An example of a payment request
This example gives rise to a payment in 3 monthly installments, including the withdrawal of the first
expiry is done in a second step, to the shipping of your parcel by a request of
validation. The second and third samples will be taken every "05" of the months to
come.
deadlines | Transaction Type |
|---|---|
| THE 10/09/2013: 500,00 EUR | Authorization (Shipping Rate) |
| THE 05/10/2013: 500,00 EUR | Authorization + Validation (Immediate debit) |
| THE 05/11/2013: 500,00 EUR | Authorization + Validation (Immediate debit) |
Here is an excerpt from the call to the "doWebPayment" web service.
<impl:payment> <obj:amount>150000</obj:amount> <obj:currency>978</obj:currency> <obj:action>100</obj:action> <obj:mode>NX</obj:mode> <obj:contractNumber>1234567</obj:contractNumber> <obj:differedActionDate /></impl:payment>….<impl:recurring> <obj:firstAmount>50000</obj:firstAmount> <obj:amount>50000</obj:amount> <obj:billingCycle>40</obj:billingCycle> <obj:billingLeft>3</obj:billingLeft> <obj:billingDay>05</obj:billingDay> <obj:startDate></obj:startDate></impl:recurring> |
Step 2: Read the details of the transaction
This step is performed with the web service "getWebPaymentDetails".
The tags to use in the response of the web service
For each maturity (billingRecord):
An example of reading the details of the transaction
Here is an example of an extract from the response of the web service "getWebPaymentDetails".
<billingRecordList><date>10/09/2013</date><amount>50000</amount><status>1</status><result><code>00000</code> <shortMessage>Transaction approved</shortMessage> <longMessage>Transaction approved</longMessage></result><transaction> <id>10910171316416</id> <date>10/09/2013 17:13</date> <isDuplicated/> <isPossibleFraud/></transaction><authorization> <number>A55A</number> <date/></authorization></billingRecord><date>05/10/2013</date><amount>50000</amount><status>0</status></billingRecord> <date>05/11/2013</date> <amount>50000</amount> <status>0</status></billingRecord></billingRecordList> |
Read the detail of the result of a deadline
Following the notification of a deadline, you must come and get the result of the transaction in
calling the "GetPaymentRecordId" web service with the payment record identifier received in
parameter of the notification URL.
An example of a request
<impl:getPaymentRecordRequest> <impl:contractNumber>7891234</impl:contractNumber> <impl:paymentRecordId>185321</impl:paymentRecordId></impl:getPaymentRecordRequest> |
Disable a payment record
To disable a payment record, you must make a call to the "disablePaymentRecord" web service.
Here is an example of a call to this web service:
<impl:disablePaymentRecordRequest> <impl:contractNumber>7891234</impl:contractNumber> <impl:paymentRecordId>185531</impl:paymentRecordId></impl:disablePaymentRecordRequest> |
Modify a deadline
Modification of a deadline can be done on the administration center.
To do this, go to the tab "Recurring payment" / "Management of the files of
payments ", search your payment record with its number.
In the detail of the payment file, you can consult your future deadlines:
By clicking on the "Modify" link from a deadline, you have access to this screen:
You can change the amount and / or the due date from this screen.
Payline integration
Payline offers several ways to integrate this payment solution in several times:
- by the Web Pages , using the doWebPayment service with deadlines managed by Payline or by the merchant (wallet or tokenization);
- through Direct Payment , using Payline's virtual portfolios with the doRecurringWalletPayment service;
- by the Payline Administration Center, to change deadlines.