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About CRIF

General information about CRIF

Popular with customers, risky for the merchant: Payment methods such as direct debit or purchase on account involve a high level of default risk. Computop Paycontrol, an automated credit rating with all standard credit agencies, combines flexibility and payment security for online business.

With Paycontrol you can, amongst other things, automatically obtain information from CRIF without having to connect your shop system to individual information interfaces.


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Info

CRIF (formerly Deltavista) provides information on about 80 million individuals, 6 million companies, and 10 million payment, register, and address records from Germany, Austria and Switzerland.

TypeRisk Management EN


Further information can be found on the webpage of CRIF (www.crif.de/).

 

Process flow chart

CRIF process flow within Paygate


Paygate interface

Definitions

Data formats:

Format

Description

a

alphabetical

as

alphabetical with special characters

n

numeric

an

alphanumeric

ans

alphanumeric with special characters

ns

numeric with special characters

bool

boolean expression (true or false)

3

fixed length with 3 digits/characters

..3

variable length with maximum 3 digits/characters

enum

enumeration of allowed values

dttm

ISODateTime (YYYY-MM-DDThh:mm:ss)


Abbreviations:

Abbreviation

Description

CND

condition

M

mandatory

O

optional

C

conditional


Notice: Please note that the names of parameters can be returned in upper or lower case.


Calling the interface

To carry out a CRIF order check via a Server-to-Server connection, go to the following URL:


Notice: For security reasons, Paygate rejects all payment requests with formatting errors. Therefore please use the correct data type for each parameter.

The following table describes the encrypted payment request parameters:

Parameter

Format

CND

Description

MerchantID

ans..30

M

MerchantID, assigned by Computop. Additionally this parameter has to be passed in plain language too.

TransID

ans..64

M

Merchant transaction number, which must be unique

RefNr

ans..30

O

Unique reference number

OrderDesc

ans..768

M

Description of goods and prices. Intended purpose on the statement of account

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

Currency

a3

M

Currency, three digits DIN / ISO 4217 Only EUR and USD permitted.

MAC

an64

M

Hash Message Authentication Code (HMAC) with SHA-256 algorithm

ProductName

a..24

M

Checking method:

<QuickCheckConsumer>, <CreditCheckConsumer>,
<QuickCheckBusiness>, <CreditCheckBusiness>,
<IdentCheckConsumer>

ProductCountry

a3

O

Three characters country code according to ISO 3166. Only AUT, DEU, CHE, NLD, POL permissible.

Language

a3

O

Country code for translatable values in the response, three characters in accordance to ISO 3166. Only AUT, DEU, CHE allowed.

CustomerID

ans..30

M

customer number/customer reference

LegalForm

a..10

O

Legal form of the person/company sought: PERSON, COMPANY, UNKNOWN

FirstName

ans..30

O

First name

LastName

ans..30

M

Company name or surname

MaidenName

ans..30

O

Maiden name

Gender

a1

O

Gender: <m> male, <f> female

DateOfBirth

dttm8

O

Date of birth in the format <YYYYMMDD>

AddrStreet

ans..50

M

Street name

AddrStreetNr

ans..15

O

Street number

AddrAddition

ans..60

O

Address c/o

AddrCity

ans..40

O

City

AddrZip

n..10

M

Postcode

AddrCountryCode

a3

O

Three characters country code according to ISO 3166. Only AUT, DEU, CHE, NLD, POL permissible.

sdLegalForm

a..10

O

Legal form of the person/company sought: PERSON, COMPANY, UNKNOWN

sdLastName

ans..30

O

Company name or surname

sdFirstName

ans..30

O

First name

sdMaidenName

ans..30

O

Maiden name

sdGender

a1

O

Gender: <m> male, <f> female

sdDateOfBirth

dttm8

O

Date of birth in the format <YYYYMMDD>

sdStreet

ans..50

O

Street name

sdStreetNr

ans..15

O

Street number

sdAddressAddition

ans..60

O

Address c/o

sdCity

ans..40

O

City

sdZip

n..10

O

Postcode

sdCountryCode

a3

O

Three characters country code according to ISO 3166. Only AUT, DEU, CHE, NLD, POL permissible.

Email

ans..100

O

Email address of the customer

Phone

ans..30

O

Customer’s phone number

Channel

ans..64

O

sales channel

IPAddr

ans..15

O

IP address

CustomerCardNr

ans..32

O

Customer card number

SocialSecurityNumber

an..20

C

National identification number. It is used in Poland since 1979. Mandatory if ProductCountry = POL and LegalForm = PERSON

DateOfRegistration

dttm8

C

Authorization date in the format <YYYYMMDD>, if ProductCountry = POL and LegalForm = PERSON

ArticleList

ans..1024

O

Article list with description of items and prices:

<Price>;<Quantity>;<TotalPrice>;<Number>;<Group>;<Name>;<Client>

Price (n..12), in smallest currency unit
Quantity (n..8)
PriceTotal (n..12), in smallest currency unit
Number (ans..50)
Group (ans..100)
Name (ans.. 100)
Client (ans.. 50)

<;> separates the fields of an article data set
<+> separates the article data sets

Each article is transferred as a complete article data set:

Price;Quantity;TotalPrice;Number;Group;Name;Client+Price;Quantity…

Parameters for CRIF OrderCheck


The following table describes the result parameters with which the Paygate responds to your system:

Parameter

Format

CND

Description

MID

ans..30

M

MerchantID, assigned by Computop

PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files.

XID

an32

M

ID for all single transactions for one payment assigned by Paygate

TransID

ans..64

M

Merchant’s transaction number

RefNr

ans..30

O

Merchant’s unique reference number

Status

a..50

M

OK or FAILED

Description

ans..1024

M

Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

Code

n8

M

Error code according to Paygate Response Codes (A4 Error codes)

Result

a..10

M

Recommended action (traffic light): GREEN, YELLOW, RED, NO RESULT

PartialResults

a..2000

M

Individual detailed partial checks (e.g. Score) with traffic light result and value listed in XML, which return the overall result on the basis of an evaluation matrix with CRIF. Configurable with Computop.

Limit

n..12

O

Max. credit limit

LimitCurrency

a3

O

Currency of the customer, three digits DIN / ISO 4217

AddrStreet

ans..50

O

Street name

AddrStreetNr

ans..15

O

Street number

AddrCity

ans..40

O

City

AddrZip

n..10

O

Postcode

AddrCountryCode

a3

O

Three characters country code according to ISO 3166.

FirstName

ans..30

O

First name

LastName

ans..30

O

Company name or surname

MaidenName

ans..30

O

Maiden name

Gender

a1

O

Gender: <m> male, <f> female

DateOfBirth

dttm8

O

Date of birth in the format <YYYYMMDD>

ArchiveID

n..64

M

Unique ID for related report, for investigation or for processing purposes

UnitID

n..64

O

CRIF-ID of requested person

Instruction

a..2000

O

Payment method control as XML, configurable with Computop.

<instruction>

<type>PAYMENT_METHOD</type>

<name>CASH_ON_DELIVERY</name>…


Values for <name>:

- „INVOICE“ (for invoice)
- „BANK_DEBIT“ (for direct debit)
- „PAYPAL“ (for PayPal)
- „CREDIT_CARD“ (for credit card without 3D Secure))
- „CREDIT_CARD_3DS“ (for credit card with 3D Secure)
- „DIRECT_DEBIT“ (SOFORT Banking)
- „CASH_ON_DELIVERY“ (for cash on delivery)
- „PREPAYMENT“ (for prepayment)

Result parameters for CRIF OrderCheck