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About PostFinance Pay

General information about PostFinance Pay

PostFinance has updated its online payment methods for the PostFinance Card, combining "PostFinance Card" and "PostFinance E-Finance" into a single system. Previously, these methods allowed you to choose your preferred payment process and confirm online payment authentication via the PostFinance app, a card reader, or Mobile ID.

With the introduction of PostFinance Pay, these two methods are being merged and enhanced. This new system eliminates the need for a card number and card reader during the payment process. With PostFinance Pay, you can now conveniently confirm online transactions and payment method registrations directly through the PostFinance app.

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Excerpt
PostFinance is an online banking payment method in Switzerland and is the market leader in Swiss payment transactions with a market share of around 60%. With PostFinance merchants can reach over 3.5 million potential customers.

Type

Payments by Online Bank Transfer

Further information can be found on the webpage of PostFinance (https://www.postfinance.ch/de/privat/zahlen-sparen/mobiles-bezahlen/pay.html#/).

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PostFinance Pay process flow

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Create PostFinance Pay Authorisation

To create an authorisation with PostFinance Pay, please use the following URL:

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PostFinPay.aspx

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Please note that when PostFinance redirects a customer to the callback page, the initiated transaction has not yet been finalized. Therefore, kindly inform the customer on the callback page that the payment is still being processed and that they should not close the page.

If the transaction is to be partially captured later, you need to define this when you initiate the Authorization request by using the captureInfo parameter as described below.

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Key

Format

CND

Description

Beschreibung

RefNr

ans..18

M

Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

Note: Please consider response parameter PaymentPurpose.

Eindeutige Referenznummer des Händlers. Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt.

Hinweis: Bitte beachten Sie den Antparameter PaymentPurpose.

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Key	Format	CND	Description	Beschreibung
captureinfo	ans..1024	O	New parameter for multiple partial captures. This parameter must be created in JSON format. The individual parameters in JSON format are following: `{"auto":"yes"} → Capturing immediately after authorisation.` `{"manual": {"final":"yes"} → Capturing made by the merchant for the Full Amount.` `{"manual": {"final":"no"} → Capturing made by the merchant for the Partial Amount`(s).	Neuer Parameter für mehrfache Teilbuchungen. Dieser Parameter muss im JSON-Format angelegt werden. Die einzelnen Parameter im JSON-Format sind folgende: `{"auto":"yes"} → Automatische Buchung nach Autorisierun` `{"manual": {"final":"yes"} → Buchung durch den Händler für den vollen Betrag.` `{"manual": {"final":"no"} → Buchung durch den Händler für den Teilbetrag/die Teilbeträge.`

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Table Excerpt Include

static	true
name	URLFailure
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Table Excerpt Include

static	true
name	Response
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Table Excerpt Include

static	true
name	URLNotify
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static	true
name	Plain
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Parameters for payments with PostFinance Pay

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static	true
name	MID
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Table Excerpt Include

static	true
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Key

Format

CND

Description

Beschreibung

RefNr

ans..18

M

Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

Note: Please consider response parameter PaymentPurpose.

Eindeutige Referenznummer des Händlers. Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt.

Hinweis: Bitte beachten Sie den Antwortparameter PaymentPurpose.

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Table Excerpt Include

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static	true
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Return parameters for URLSuccess, URLFailure and URLNotify with PostFinance Pay

Important Note:

When the customer uses the mobile app for authentication, there is a potential issue where the customer may get redirected before completing the authentication process. To handle this scenario, the following behavior has been implemented:

Redirection After 60 Seconds:
- If the customer has not completed the authentication process within 60 seconds, they will be automatically redirected to the success page.
- The status on

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- the
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  will be set to AUTHORIZE_REQUEST, and the description will indicate pending.
- This ensures the customer does not experience excessive waiting times and provides a clear indication of the current status.
PostFinance Timeout:
- If the customer does not finish the authentication steps on the mobile app, the system would normally keep the customer on the callback page for up to 8 minutes, which is the timeout period defined by PostFinance.
- By redirecting the customer after 60 seconds, we prevent the customer from having to wait for the full 8 minutes, improving the user experience.
Updating Open Payments:
- Open payments with the status AUTHORIZE_REQUEST will be attempted to update every 30 minutes after the customer gets redirected.
- This periodic update ensures that the payment status is kept current and any completed authentications are reflected in a timely manner.

Reversal

Authorisation reversals may be initiated, if the merchant has received a fault message during authorisation or did not receive a response after a certain period, so that it is not clear whether the authorisation has been successful. Authorisation cancelations may only be sent, if the affected transaction has not been submitted for capturing yet.Please be informed that partial reversals are not allowed, only the full amount of the transaction can be reversed.

Reversals are possible via a Server-to-Server connection. In order to cancel a payment via a server-to-server communication, please use the following URL:

...

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reverse.aspx

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Capture

Captures are possible via a Server-to-Server connection. To carry out a Capture via a Server-to-Server connection, please use the following URL:

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capture.aspx

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_Intro
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Response parameters for

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captures with PostFinance Pay

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PostFinance Pay

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credit payments with PostFinance Pay

Credit with reference

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Reversal

Authorisation reversals may be initiated, if the merchant has received a fault message during authorisation or did not receive a response after a certain period, so that it is not clear whether the authorisation has been successful. Authorisation cancelations may only be sent, if the affected transaction has not been submitted for capturing yet. Please be informed that partial reversals are not allowed, only the full amount of the transaction can be reversed.

Reversals are possible via a Server-to-Server connection. In order to cancel a payment via a server-to-server communication, please use the following URL:

...

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Parameters for credit payments with PostFinance Pay

...

Parameters for reversals with PostFinance Pay

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Response parameters for

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reversals with PostFinance Pay

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