Versions Compared

Old Version 7

changes.mady.by.user CT Writer

Saved on

compared with

New Version Current

changes.mady.by.user Peter Posse

Saved on

Key

  • This line was added.
  • This line was removed.
  • Formatting was changed.
Comment: Published by Scroll Versions from space ENWORK and version Documentation
Table of Contents


About easyCredit Ratenkauf

General information about easyCredit Ratenkauf

Since 2003 TeamBank AG is a member of the Genossenschaftliche FinanzGruppe and with its product easyCredit Ratenkauf the expert for hire purchase of the Volksbanken Raiffeisenbanken. Under the name name  easyCredit ratenkauf by easyCredit the TeamBank AG offers a hire purchase solution which combines a simple and consistently designed fire purchase function for E-Commerce and Point of Sale (PoS).

The customer needs only a few to get his easyCredit ratenkauf by easyCredit: select article, calculate preferred rate, enter personal data and pay. All without paperworks, with immediate confirmation and full flexibility during the period. Simple and fair hire purchase with easyCredit ratenkauf by easyCredit.


Page properties
Logo

Image RemovedImage Added

Info
Excerpt
EasyCredit ratenkauf is a provider of hire purchase and purchase on invoice in Germany. After the customer is forwarded to easyCredit they undertake the calculation of all possible installments.
TypePayments by Invoice and Installments EN

 

Further information can be found on the webpage of easyCredit (https://www.easycredit.de/).

 

Process flow chart

Image Removed

Multiexcerpt
MultiExcerptNameProcessFlow


 

draw.io Diagram
bordertrue
diagramNameEasyCredit_CT
simpleViewerfalse
linksauto
tbstyletop
lboxtrue
diagramWidth1109

easyCredit process flow


Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNamePlatform-Kurz
PageWithExcerptWording
interface

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameDefinition
PageWithExcerptDefinition EN


easyCredit ratenkauf purchase on invoice and hire purchase

In order to initialise an installment payment with easyCredit via a 

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNamePlatform-Kurz
PageWithExcerptWording
form, go to please use the following URL:

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameBaseURL
PageWithExcerptWording
easyCredit.aspx


Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameRequest_Intro
PageWithExcerptReuse API

filterdefaulttable-

Multiexcerpt
MultiExcerptNameeasycredit_request
table-
joiner
dateFormat
Beschreibung
isFirstTimeEnterfalse
hideColumnstrue
sparkNameSparkline
hidePanetrue
datepatterndd M yy
id1625223960108_2115946735
worklog365|5|8|y w d h m|y w d h m
isORAND
separatorPoint (.)
order0
show-
dd M yy
export-wordfalse
show-
Multiexcerpt
MultiExcerptNameeasycredit_request
Table Transformer
dateFormatdd M yy
export-wordfalse
sourcefalse
export-csvfalse
id1625223960111_-1084588320
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*

Table Excerpt Include
statictrue
nameMerchantID
pageMerchantID
typepage

Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage

Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage

Key

Format

CND

Description

Beschreibung

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).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

table-excerpt-include
statictrue
nameCurrency
pageCurrency
typepage

Table Excerpt Include
statictrue
nameMAC
pageMAC
typepage

Key

Format

CND

Description

Beschreibung

Term

n..2

O

Duration in months. If applicable here the duration can be preset with a value the customer has already selected for the example calculation.

Laufzeit in Monaten. Hier kann ggf. eine vom Kunden bereits in der Beispielrechnung gewählte Laufzeit vorbelegt werden.

EventToken

enum

M

Defines the request to be made at easyCredit:

<INT> for initialising the transaction

Definiert die bei easyCredit auszuführende Anfrage:

<INT> zur Initialisierung eines Vorgangs

Table Excerpt Include
statictrue
nameURLSuccess
pageURLSuccess
typepage

Table Excerpt Include
statictrue
nameURLFailure
pageURLFailure
typepage

Table Excerpt Include
statictrue
nameResponse
pageResponse
typepage

Table Excerpt Include

static

isFirstTimeEntertrue
statictrue
v2
nameURLNotify
pageURLNotify
typepage

Table Excerpt Include
statictrue
nameUserData
pageUserData
typepage

Key

Format

CND

Description

BeschreibungKey

FormatCND



Personal details

Notice: If personal details are submitted then this group must be transferred completely.

Personendaten

Hinweis: Werden Personendaten angegeben, so sind diese als Gruppe vollständig zu übermitteln.

Salutation

a..15

C

Salutation MR or MRS

Anrede HERR oder FRAU

FirstName

ans..50

C

First name

Vorname

LastName

ans..50

C

Last name

Nachname

DateOfBirth

dttm

C

Date of birth in the format YYYY-MM-DD

Geburtsdatum im Format JJJJ-MM-TTKeyFormat

CND



Occupation data

Notice: If occupation data are submitted then this group must be transferred completely.

Beschäftigungsdaten

Hinweis: Werden Beschäftigungsdaten angegeben, so sind diese als Gruppe vollständig zu übermitteln.

Employment

enum

C

Occupation of the customer. Possible entries are:

<ANGESTELLTER>

EMPLOYEE

<ANGESTELLTER

EMPLOYEE_

OEFFENTLICHER

PUBLIC_

DIENST>

SECTOR

<ARBEITER>

WORKER

<BEAMTER>

CIVIL_SERVANT

<RENTNER>

<SELBSTAENDIGER>

<ARBEITSLOSER>

<SONSTIGES>

RETIREE

SELF_EMPLOYED

UNEMPLOYED

OTHER

Beschäftigung des Kunden. Mögliche Werte sind:

<ANGESTELLTER>

<ANGESTELLTER_OEFFENTLICHER_DIENST>

<ARBEITER>

<BEAMTER>

<RENTNER>

<SELBSTAENDIGER>

<ARBEITSLOSER>

<SONSTIGES>

MonthlyNetIncome

n..12

C

Monthly net income of the customer in the smallest currency unit (e.g. EUR Cent)

.Monatliches Nettoeinkommen des Kunden in der kleinsten Währungseinheit (z.B

.

EUR Cent)Key

FormatCND



Invoicing address

Notice: If an invoicing address is given, then this must be transferred completely.

Rechnungsadresse

Hinweis: Wird eine Rechnungsadresse angegeben, so muss diese vollständig übermittelt werden.

bdFirstName

ans..50

M

First name in invoicing address

bdLastName

ans

bdStreet

a

..50

C

M

Last name in invoicing address

bdStreet

a..50

C

Street

Straße

bdStreetNr

ans..5

C

Street number

Hausnummer

bdAddressAddition

a..50

C

Address c/o

Adresszusatz

bdZip

n5

C

Postcode

Postleitzahl

bdCity

ans..50

C

Town

Stadt

bdCountryCode

a2

C

Country code for the invoicing address, 2 characters according to ISO 3166 Presently only DE is allowed

.Ländercode in der Rechnungsadresse gemäß ISO 3166, zweistellig

.

Derzeit ist nur DE erlaubt.KeyFormatCND




Delivery address

Notice: If an delivery address is given, then this must be transferred completely.

Lieferadresse

Hinweis: Wird eine Lieferadresse angegeben, so muss diese vollständig übermittelt werden.

PackingStation

an..30

O

Packing station

Packstationa

sdFirstName

sdStreet

ans..50

C

Street

Straße

M

First name in delivery address

sdLastName

sdStreetNr

ans..

5

50

C

Street number

M

Last name in delivery address

sdStreet

a..50

C

Street

sdStreetNr

ans..5

C

Street number

Hausnummer

sdAddressAddition

a..50

C

Address c/o

Adresszusatz

sdZip

n5

C

Postcode

Postleitzahl

sdCity

ans..50

C

Town

Stadt

sdCountryCode

a2

C

Country code for the delivery address, 2 characters according to ISO 3166 Presently only DE is allowed

.Ländercode in der Lieferdresse gemäß ISO 3166, zweistellig. Derzeit ist nur DE erlaubt

.

KeyFormat

CND



Contact data
Kontaktdaten

Email

ans..50

M

Email address of the customer

E-Mail-Adresse des KundenKeyFormatCND

MobileNr

ans..50

O

Customer’s mobile telephone number

Mobiltelefonnummer des Kunden



Bank data
Bankdaten

IBAN

ans..34

O

Customer's

IBAN

IBAN

des Kunden

BIC

an..11

O

Customer’s BIC

BIC des KundenKeyFormatCNDFurther customer dataWeitere Kundendaten

Phone




Further customer data

Phone

ans..15

O

Customer’s phone number

Telefonnummer des Kunden

Title

enum

O

Title of the customer. Possible entries are:

<PROFDR> for Prof. Dr.

<DR> for Dr.

<PROF> for Prof.

<DRDR> for

Dr. Dr.

Titel des Kunden. Mögliche Werte sind:

<PROFDR> für Prof. Dr.

<DR> für Dr.

<PROF> für Prof.

<DRDR> für

Dr. Dr.

MaidenName

ans..50

O

Maiden name

Geburtsname

PlaceOfBirth

ans..50

O

Place of birth

Geburtsort

KeyFormatCND



Risk-relevant data
Risikorelevante Daten

CustomerStatus

enum

O

Customer's status at the webshop. Possible entries are:

<NEUKUNDE>

<BESTANDSKUNDE>

<PREMIUMKUNDE>

Status des Kunden beim Webshop. Mögliche Werte sind:

<NEUKUNDE>

<BESTANDSKUNDE>

<PREMIUMKUNDE>

CustomerSince

dttm

O

Start of customer relation at the webshop in the format YYYY-MM-DD

Beginn der Kundenbeziehung beim Webshop im Format JJJJ-MM-TT

CustomerLoggedIn

enum

O

CustomerLoggedIn

enum

O

Flag if order is made from a registered customer with login or from a guest:

<YES> Customer was logged in

<NO> Customer has ordered as a guest

Flag, ob die Bestellung als registrierter Kunde mit Login oder als Gast erfolgt:

<YES> Kunde war eingeloggt

<NO> Kunde hat als Gast bestellt

NumberArticles

n..5

O

Number or articles within basket

Anzahl der Produkte im Warenkorb

NumberOrders

n..10

O

Number of previous orders within the webshop

Anzahl der bisherigen Bestellungen im Webshop

NegativePaymentInfo

enum

O

Negative payment information about the customer. Possible entries are:

<KEINE_ZAHLUNGSSTOERUNGEN>

<ZAHLUNGSVERZOEGERUNG>

<ZAHLUNGSAUSFALL>

<KEINE_INFORMATION>

Negative Zahlungsinformationen zu dem Kunden. Mögliche Werte sind:

<KEINE_ZAHLUNGSSTOERUNGEN>

<ZAHLUNGSVERZOEGERUNG>

<ZAHLUNGSAUSFALL>

<KEINE_INFORMATION>

RiskArticles

enum

O

Merchant's assessment if there is a solvency crucial article within the basket. Possible entries are:

<YES> There is a solvency crucial article within the basket

<NO> There is no solvency crucial article within the basket

Einschätzung des Händlers, ob sich im Warenkorb mindestens ein bonitätskritischer Artikel befindet. Mögliche Werte sind:

<YES> Es befindet sich ein bonitätskritischer Artikel im Warenkorb

<NO> Es befindet sich kein bonitätskritischer Artikel im Warenkorb




Article list

ArticleList

ans

KeyFormatCNDArticle listArtikelliste

ArticleList

ans

..1024

O

Basket information (incl. article numbers) for the articles ordered with hire purchase. These date can have some influence on the credit decision. The article list must be created in JSON format.

Example:

Image Removed

Afterwards the article list created in JSON format must be Base64 encoded.

Warenkorbinformationen (inkl. Artikelnummern), zu den im Rahmen eines Ratenkaufs bestellten Artikeln. Diese Daten können in die Kreditentscheidung mit einfließen. Die Artikelliste muss im JSON-Format erstellt werden.

Beispiel:

Image Removed

Anschließend muss die im JSON-Format erstellte Artikelliste Base64 encodiert werden.

Parameters for easyCredit payments

Code Block
languagejson
themeRDark
titleExample
{
  "shoppingCartInformation": [
      {
        "productName": "Washing Machine",
        "quantity": 1,
        "price": 599.95,
        "manufacturer": "Siemens",
        "productCategory": "Household Appliances",
        "articleNumber": [
          {
            "numberType": "GTIN",
            "number": 1111111
          }
        ]
      }
    ]
}

Afterwards the article list created in JSON format must be Base64 encoded.

Parameters for easyCredit ratenkauf payments


Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameResponse_IntroURL
PageWithExcerptReuse API

Multiexcerpt

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameResponse_IntroURL
PageWithExcerptReuse API

Wording
Table Filter
defaultBeschreibung
isFirstTimeEnterfalse
hideColumnstrue
sparkNameSparkline
hidePanetrue
datepatterndd M yy
id1625483818450_-1122969721
worklog365|5|8|y w d h m|y w d h m
isORAND
separatorPoint (.)
order0
Multiexcerpt
MultiExcerptName
MultiExcerptName
easycredit_response
Table Transformer
dateFormatdd M yy
export-wordfalse
show-sourcefalse
export-csvfalse
id1625483818452_1476654560
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*

Table Excerpt Include
statictrue
nameMID
pagemid
typepage

Table Excerpt Include
statictrue
namePayID
pagePayID
typepage

Table Excerpt Include
statictrue
nameXID
pageXID
typepage

Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage

Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage

Key

Format

CND

Description

Beschreibung

Status

a..50

M

AUTHORIZE_REQUEST (URLSuccess) and

FAILED (URLFailure)AUTHORIZE_REQUEST (URLSuccess) und

FAILED (URLFailure)

Table Excerpt Include
statictrue
nameDescription
pageDescription
typepage

Table Excerpt Include
statictrue
nameCode
pageCode
typepage

Table Excerpt Include
statictrue
nameMAC
pageMAC
typepage

Table Excerpt Include
statictrue
nameUserData
pageUserData
typepage

Key

Format

CND

Description

Beschreibung

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with

Multiexcerpt include
SpaceWithExcerptEN

MultiExcerptNameHelpdesk-Name
PageWithExcerpt
Multiexcerpt include
SpaceWithExcerptDE

Fehlercode von easyCredit, wenn mit

MultiExcerptNameHelpdesk-Name
PageWithExcerpt

DE:

Wording

abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording

Fehlertext von easyCredit, wenn mit

Multiexcerpt include
SpaceWithExcerptDE
MultiExcerptNameHelpdesk-Name
PageWithExcerptDE:Wording
abgesprochen

Response parameters for URLSuccess and URLFailure with easyCredit

Response parameters for URLSuccess and URLFailure with easyCredit ratenkauf


Validation logic

  • The delivery address must match the invoice address or it must be a packstation.
  • FirstName and LastName of delivery and customer should match.
  • The invoice address must match the delivery address.
  • FirstName and LastName of Invoice Address and customer should match.

Example Request

Multiexcerpt
MultiExcerptNameexample_request
shouldDisplayInlineCommentsInIncludesfalse
Code Block
languagexml
MerchantID=YourMerchantID
TransID=123456
RefNr=27022017_01
Amount=59995
Currency=EUR
EventToken=INT
URLFailure=https://your.shop.info/failure.aspx
URLSuccess=https://your.shop.info/success.aspx
URLNotify=https://your.shop.info/notify.aspx
Salutation=MR
FirstName=John
LastName=Doe
DateOfBirth=1999-02-02
bdFirstName=John
bdLastName=Doe
bdStreet=Schwarzenbergstraße
bdStreetNr=4
bdAddressAddition=Computop GmbH
bdZip=96050
bdCity=Bamberg
bdCountryCode=DE
PackingStation=NO
sdFirstName=John
sdLastName=Doe
sdStreet=Schwarzenbergstraße
sdStreetNr=4
sdAddressAddition=Computop GmbH
sdZip=96050
sdCity=Bamberg
sdCountryCode=DE
Email=max@mustermann.de
Employment=EMPLOYEE
MonthlyNetIncome=100000
Phone=015124011444
CustomerSince=1999-02-02
CustomerLoggedIn=YES
NumberOrders=1
ArticleList=ew0KCSJzaG9wcGluZ0NhcnRJbmZvcm1hdGlvbiI6IFsNCgkJew0KCQkJInByb2R1Y3ROYW1lIjogIldhc2hpbmcgTWFjaGluZSIsDQoJCQkicXVhbnRpdHkiOiAxLA0KCQkJInByaWNlIjogNTk5Ljk1LA0KCQkJIm1hbnVmYWN0dXJlciI6ICJTaWVtZW5zIiwNCgkJCSJwcm9kdWN0Q2F0ZWdvcnkiOiAiSG91c2Vob2xkIEFwcGxpYW5jZXMiLA0KCQkJImFydGljbGVOdW1iZXIiOiBbDQoJCQkgIHsNCgkJCQkibnVtYmVyVHlwZSI6ICJHVElOIiwNCgkJCQkibnVtYmVyIjogMTExMTExMQ0KCQkJICB9DQoJCQldDQoJCX0NCgldDQp9

Example Response

Multiexcerpt
MultiExcerptNameexample_response
shouldDisplayInlineCommentsInIncludesfalse
Code Block
languagexml
mid=YourMerchantID
PayID=e8be1739b7754b68b4a53bbf33670efc
TransID=123456
XID=b4b01e1654744bdd87fbb496cbbf79e1
refnr=27022017_01
Status=AUTHORIZE_REQUEST
Code=0
Description=REQUEST


Retrieve information about payment by installments

In order to retrieve the data for decision, general transaction as well as financing data in case of e successfully established payment by installments via a server to server connection with easyCredit ratenkauf, please use the following URL:

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameBaseURL
PageWithExcerptWording
easyCreditDirect.aspx


Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameRequest_Intro
PageWithExcerptReuse API

Multiexcerpt
MultiExcerptNameretrieve_request
Table Transformer

Retrieve information about payment by installments

In order to retrieve the data for decision, general transaction as well as financing data in case of e successfully established payment by installments via a server to server connection with easyCredit, please use the following URL:

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameBaseURL
PageWithExcerptWording
easyCreditDirect.aspx

Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameRequest_Intro
PageWithExcerptReuse API

Table Filter
defaultBeschreibung
isFirstTimeEnterfalse
hideColumnstrue
sparkNameSparkline
hidePanetrue
datepatterndd M yy
id1625485060971_2096662538
worklog365|5|8|y w d h m|y w d h m
isORAND
separatorPoint (.)
order0

Multiexcerpt
MultiExcerptNameretrieve_request
Table Transformer
dateFormatdd M yy
export-wordfalse
show-sourcefalse
export-csvfalse
dateFormatdd M yy
export-wordfalse
show-sourcefalse
export-csvfalse
id1625485060973_-1306591374
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*

Table Excerpt Include
statictrue
nameMerchantID
pageMerchantID
typepage

Table Excerpt Include
statictrue
namePayID
pagePayID
typepage

Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage

Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage

Key

Format

CND

Description

Beschreibung

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).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

Table Excerpt Include
Table Excerpt Include

statictrue
nameCurrency
pageCurrency
typepage

Table Excerpt Include
statictrue
nameMAC
pageMAC
typepage

Key

Format

CND

Description

Beschreibung

EventToken

enum

M

Defines the request to be made at easyCredit:

<DEC> loads decision date for a previous initialization

<PRO> loads general transaction data for a previous initialization

<FIN> loads financing data for a previous initialization

<GET> With this EventToken

the three requests <DEC>, <PRO> and <FIN> can be triggered with one call (recommended).

Definiert die bei easyCredit auszuführende Anfrage:

<DEC> Lädt die Entscheidungsdaten zu einer vorherigen Initialisierung

<PRO> Lädt die allgemeinen Vorgangsdaten zu einer vorherigen Initialisierung

<FIN> Lädt die Finanzierungsdaten zu einer vorherigen Initialisierung

<GET> Mit diesem EventToken können die drei Anfragen <DEC>, <PRO> und <FIN> mit einem Aufruf angestoßen werden (empfehlenswert).

all the installment information will be retrieved.

Parameters Parameters for retrieving installment information from easyCredit ratenkauf


Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameResponse_Intro
PageWithExcerptReuse API

filterdefault

Enthält Finanzierungsdaten zur vorherigen Initialisierung. Diese werden im JSON-Format und Base64-encodiert zu-rückgegeben.

Beispiel JSON-Format (bereits Base64-decodiert):

Image Removed
Multiexcerpt
MultiExcerptNameretrieve_response
table-
joiner
dateFormat
Beschreibung
isFirstTimeEnterfalse
hideColumnstrue
sparkNameSparkline
hidePanetrue
datepatterndd M yy
id1625485393028_-1650101289
worklog365|5|8|y w d h m|y w d h m
isORAND
separatorPoint (.)
order0
show-
dd M yy
export-wordfalse
show-
Multiexcerpt
MultiExcerptNameretrieve_response
Table Transformer
dateFormatdd M yy
export-wordfalse
sourcefalse
export-csvfalse
id1625485393030_-812850233
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*

Table Excerpt Include
statictrue
nameMID
pagemid
typepage

Table Excerpt Include
statictrue
namePayID
pagePayID
typepage

Table Excerpt Include
statictrue
nameXID
pageXID
typepage

Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage

Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage

Table Excerpt Include
statictrue
nameStatus_OK_FAILED
pageStatus
typepage

Table Excerpt Include
statictrue
nameDescription
pageDescription
typepage

Table Excerpt Include
statictrue
nameCode
pageCode
typepage

Key

Format

CND

Description

Beschreibung

Financing

Decision

ans..1024

O

Contains

decision

all the necessary data for a previous initialization.

There

They are returned in JSON format and Base64 encoded.

Example JSON format (already Base64

decoded):

Image Removed

Notice: Important within this answer is the "decision result" below "decision". Only in case of positive „GREEN“ decided hire purchase all numbers, amounts and information connected with this hire purchase should be presented to the customer on the final confirmation page in the shop. These includes:

-     the duration selected by the customer (number of installments)

-              the repayment plan (including alternative repayment plan)

-              precontractual information (a link to the system hire purchase)

-              total amount with designated interest amounts for hire purchase

All information are returned within parameters Process and Financing.

decoded):

Code Block
languagejson
themeRDark
{
  "decision": {
    "transactionId": "EWZEN7",
    "deviceIdentToken": "dffedf20-21df-11ec-9621-0242ac130002",
    "orderValue": 2614.79,
    "interest": 234.56,
    "nominalInterest": 8.64,
    "effectiveInterest": 8.99,
    "merchantSpecificInterest": 8.99,
    "totalValue": 2849.35,
    "decisionOutcome": "POSITIVE",
    "numberOfInstallments": 9,
    "minNumberOfInstallments": 2,
    "maxNumberOfInstallments": 60,
    "installment": 302,
    "lastInstallment": 293.58,
    "firstInstallmentDate": "2023-03-20",
    "lastInstallmentDate": "2023-03-20",
    "amortizationPlanText": "string",
    "urlPreContractualInformation": "string",
    "installmentPlans": [
      {
        "totalValuePlan": 0,
        "interests": {
          "effectiveInterest": 8.99,
          "nominalInterest": 8.64,
          "interest": 234.56
        },
        "paymentPlan": {
          "numberOfInstallments": 9,
          "firstInstallmentDate": "2023-03-20",
          "lastInstallmentDate": "2023-03-20",
          "installment": 302,
          "lastInstallment": 293.58
        }
      }
    ],
    "mtan": {
      "required": true,
      "status": "PENDING",
      "remainingAttempts": 2,
      "successful": true,
      "mobilePhoneNumberInvalid": true,
      "skipMobilePhoneNumberValidation": true
    },
    "bankAccountCheck": {
      "required": false,
      "successful": false
    }
  },
  "transaction": {
    "financingTerm": 6,
    "orderDetails": {
      "orderValue": 2614.79,
      "orderId": "A1ZU560",
      "numberOfProductsInShoppingCart": 1,
      "invoiceAddress": {
        "address": "Beuthener Str. 25",
        "additionalAddressInformation": "3 OG",
        "zip": "90471",
        "city": "Nürnberg",
        "country": "DE",
        "firstName": "Ralf",
        "lastName": "Ratenkauf"
      },
      "shippingAddress": {
        "address": "Beuthener Str. 25",
        "additionalAddressInformation": "3 OG",
        "zip": "90471",
        "city": "Nürnberg",
        "country": "DE",
        "firstName": "Ralf",
        "lastName": "Ratenkauf",
        "packageStation": true
      },
      "shoppingCartInformation": [
        {
          "productName": "Washing Machine",
          "quantity": 1,
          "price": 599.95,
          "manufacturer": "Siemens",
          "productCategory": "Household Appliances",
          "articleNumber": [
            {
              "numberType": "GTIN",
              "number": 1111111
            }
          ]
        }
      ]
    },
    "shopsystem": {
      "shopSystemManufacturer": "Shopware 5.5.10",
      "shopSystemModuleVersion": "1.6.3"
    },
    "customer": {
      "gender": "MR",
      "firstName": "Ralf",
      "lastName": "Ratenkauf",
      "birthDate": "1949-10-17",
      "birthName": "string",
      "birthPlace": "string",
      "title": "PROFDR",
      "contact": {
        "email": "test@test.de",
        "mobilePhoneNumber": "017186397426",
        "phoneNumber": "01771234567",
        "phoneNumbersConfirmed": false
      },
      "bank": {
        "iban": "DE06760320009210030015",
        "bic": "MARKDEFFXXX"
      },
      "employment": {
        "employmentType": "EMPLOYEE",
        "monthlyNetIncome": 3000
      },
      "companyName": ""
    },
    "customerRelationship": {
      "customerStatus": "EXISTING_CUSTOMER",
      "customerSince": "2007-10-10",
      "orderDoneWithLogin": false,
      "numberOfOrders": 3,
      "negativePaymentInformation": "NO_INFORMATION",
      "riskyItemsInShoppingCart": false,
      "logisticsServiceProvider": "Hermes"
    },
    "consent": {
      "sepaMandate": true,
      "advertisement": true,
      "dataProcessing": true,
      "consentToActInOnwnName": true
    },
    "redirectLinks": {
      "urlSuccess": "https://www.google.com/search?q=easycreditSuccess",
      "urlCancellation": "https://www.google.com/search?q=easycreditCanceled",
      "urlDenial": "https://www.google.com/search?q=easycreditDenied",
      "urlAuthorizationCallback": "https://www.google.com/search?=ratenkaufCallback"
    }
  },
  "status": "OPEN"
}

Enthält die Entscheidungsdaten zur vorherigen Initialisie-rung. Diese werden im JSON-Format und Base64-encodiert zurückgegeben.

Beispiel JSON-Format (bereits Base64-decodiert):

Image Removed

Hinweis: Wichtig in dieser Antwort ist unter „entscheidung“ das „entscheidungsergebnis“. Nur bei positiv „GRUEN“ entschiedenem Ratenkauf sind dem Kunden alle mit dem Ratenkauf verbundenen Zahlen, Beträge und Informationen auf der abschließenden Bestellbestätigung im Shop zu zeigen. Hierzu gehören:

-              Die vom Kunden gewählte Laufzeit (Anzahl der Raten)

-              Der Tilgungsplan (inklusive alternativem Tilgungsplan)

-              Vorvertragliche Informationen (als Link auf das System Ratenkauf)

-              Gesamtsumme mit den ausgewiesenen Zinsen für die Ratenzahlung

Alle Informationen werden in den Parametern Process und Financing zurückgegeben.

Process

ans..1024

O

Contains general transaction data for a previous initialization. They are returned in JSON format and Base64 encoded.

Example JSON format (already Base64 decoded):

Image Removed

Enthält allgemeine Vorgansdaten zur vorherigen Initialisie-rung. Diese werden im JSON-Format und Base64-encodiert zurückgegeben.

Beispiel JSON-Format (bereits Base64-decodiert):

Image Removed

Financing

ans..1024

O

Contains financing data for a previous initialization. They are returned in JSON format and Base64 encoded.

Example JSON format (already Base64 decoded):

Image Removed

CodeExt
ans..1024
O
Error code from easyCredit ratenkauf, if agreed with 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording
Fehlercode von easyCredit, wenn mit 
ErrorText
ans..1024
O
Error text from easyCredit ratenkauf, if agreed with 
 Multiexcerpt include
SpaceWithExcerpt
DE
EN
MultiExcerptNameHelpdesk-Name
PageWithExcerpt
DE:Wording abgesprochen
ErrorText
ans..1024
O
Error text from easyCredit, if agreed with 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording
Fehlertext von easyCredit, wenn mit 
 Multiexcerpt include
SpaceWithExcerptDE
MultiExcerptNameHelpdesk-Name
PageWithExcerptDE:Wording
 abgesprochen
Response parameters for retrieving installment information from easyCredit
Wording
Response parameters for retrieving installment information from easyCredit ratenkauf

Example Request
 Multiexcerpt
MultiExcerptNameeasycreditdirect_example_request
shouldDisplayInlineCommentsInIncludesfalse
 Code Block
languagexml
MerchantID=YourMerchantID
PayID=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
TransID=123456
RefNr=27022017_01
Amount=59995
Currency=EUR
EventToken=GET
Example Response
 Multiexcerpt
MultiExcerptNameeasycreditdirect_example_response
shouldDisplayInlineCommentsInIncludesfalse
 Code Block
languagexml
mid=YourMerchantID
PayID=b1ecea6e3e8b426fbb614a14f901ac4a
TransID=123456
XID=2e2b31055fbf445d91c6564947d63ffb
refnr=27022017_01
financing=    

Status=AUTHORIZE_REQUEST
Code=0
Description=REQUEST


Confirm hire purchase
To finally set a hire purchase with easyCredit ratenkauf via a Server-to-Server connection to "CONFIRMED", call please use the following URL:
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameBaseURL
PageWithExcerptWording
easyCreditDirect.aspx
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameRequest_Intro
PageWithExcerptReuse API
 Table FilterdefaultBeschreibungisFirstTimeEnterfalsehideColumnstruesparkNameSparklinehidePanetruedatepatterndd M yyid1625486726143_-1054225696worklog365|5|8|y w d h m|y w d h misORANDseparatorPoint (.)
 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameRequest_Intro
PageWithExcerptReuse API
order0
. Please contact 
 Multiexcerpt
MultiExcerptNameconfirm_request
 Table Transformer
dateFormatdd M yy
export-wordfalse
show-sourcefalse
export-csvfalse
id1625486726146_-1115822968
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*
 Table Excerpt Include
statictrue
nameMerchantID
pageMerchantID
typepage
 Table Excerpt Include
statictrue
namePayID
pagePayID
typepage
 Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage
 Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage
Key
Format
CND
Description
Beschreibung
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)
. 
The minimum and maximal value for easyCredit is 200-5000€.
Betrag in der kleinsten Währungseinheit (z.B. 
 EUR Cent)
.
Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.
Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €
Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).
The minimum and maximal value for easyCredit is 200-5000€.
 Table Excerpt Include
statictrue
nameCurrency
pageCurrency
typepage
 Table Excerpt Include
statictrue
nameMAC
pageMAC
typepage
Key
Format
CND
Description
Beschreibung
EventToken
enum
M
Defines the request to be made at easyCredit:
<CON> Changes a transaction at easyCredit from PERMITTED to status CONFIRMED. The permission may not be older than 30 minutes and the previously requested easyCredit decision must be GREEN
.
Definiert die bei easyCredit auszuführende Anfrage:
<CON> Setzt einen Vorgang bei easyCredit von ZUGESAGT auf den Status BESTAETIGT. Die Zusage darf nicht länger als 30 Minuten her sein und die vorher eingeholte easyCredit-Entscheidung muss GRUEN gewesen sein
.
Date
dttm
O
Date of delivery of the sold services/goods in the format YYYY-MM-DD. Hence the delivery is automatically initiated together with the confirmation.
Notice: For automatic delivery execution the merchant must be configured accordingly at 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNamePartner-Name
PageWithExcerptWording
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording
 in this case.
Datum, an dem die verkaufte Leistung/Ware geliefert wurde im Format JJJJ-MM-TT. Die Lieferung wird somit automatisch zusammen mit der Bestätigung angestoßen.
Hinweis: Für das automatische Ausführen der Lieferung muss der Händler korrekt bei  Multiexcerpt includeSpaceWithExcerptDE
MultiExcerptNamePartner-Name
PageWithExcerpt
DE:
Wording
 konfiguriert sein. Bitte wenden Sie sich Hierzu an den 
. Please contact 
 Multiexcerpt include
SpaceWithExcerpt
DE
EN
MultiExcerptNameHelpdesk-Name
PageWithExcerpt
DE:
Wording
 in this case.
Parameters for confirming a hire purchase with easyCredit
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameResponse_Intro
PageWithExcerptReuse API
 Table FilterdefaultBeschreibung
easyCredit ratenkauf

 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameResponse_Intro
PageWithExcerptReuse API
isFirstTimeEnterfalsehideColumnstruesparkNameSparklinehidePanetruedatepatterndd M yyid1625487963086_-1282530536worklog365|5|8|y w d h m|y w d h misORANDseparatorPoint (.)order0
Fehlercode von easyCredit, wenn mit multiexcerpt-include
 Multiexcerpt
MultiExcerptNameconfirm_response
 Table Transformer
dateFormatdd M yy
export-wordfalse
show-sourcefalse
export-csvfalse
id1625487963088_-1515782994
transposefalse
worklog365|5|8|y w d h m|y w d h m
separator.
export-pdffalse
sqlSELECT * FROM T*
 Table Excerpt Include
statictrue
nameMID
pagemid
typepage
 Table Excerpt Include
statictrue
namePayID
pagePayID
typepage
 Table Excerpt Include
statictrue
nameXID
pageXID
typepage
 Table Excerpt Include
statictrue
nameTransID
pageTransID
typepage
 Table Excerpt Include
statictrue
nameRefNr
pagerefnr
typepage
 Table Excerpt Include
statictrue
nameStatus_OK_FAILED
pageStatus
typepage
 Table Excerpt Include
statictrue
nameDescription
pageDescription
typepage
 Table Excerpt Include
statictrue
nameCode
pageCode
typepage
Key
Format
CND
Description
Beschreibung
CodeExt
ans..1024
O
Error code from easyCredit ratenkauf, if agreed with 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording
SpaceWithExcerptDE
MultiExcerptNameHelpdesk-Name
PageWithExcerpt
DE:
Wording
 abgesprochen
ErrorText
ans..1024
O
Error text from easyCredit 
, if agreed with 
 Multiexcerpt include
SpaceWithExcerptEN
MultiExcerptNameHelpdesk-Name
PageWithExcerptWording
Fehlertext von easyCredit, wenn mit 
ratenkauf, if agreed with 
 Multiexcerpt include
SpaceWithExcerpt
DE
EN
MultiExcerptNameHelpdesk-Name
PageWithExcerpt
DE:
Wording
 abgesprochen
Response parameters for confirming a hire purchase with easyCredit