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About Schufa IdentCheck

General information about Schufa IdentCheck

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 Schufa without having to connect your shop system to individual information interfaces.

Schufa has a database of information about 62 million German citizens which you are entitled to access in the interests of fraud prevention if there is a payment credit risk. Schufa IdentCheck allows you to check names, addresses and dates of birth. 


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Excerpt

Schufa address and credit rating data contains 66 million points of data concerning individuals and 462 million other information points, derived mainly through cooperation with banks.

 



Further information can be found on the webpage of Schufa (https://www.schufa.de/en/).

 

Process flow chart

Schufa IdentCheck process flow


Paygate interface

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Calling the interface

To carry out a Schufa IdentCheck via a Server-to-Server connection enter 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

OrderDesc

ans..768

M

Description of purchased goods, unit prices etc. Reference for customer and merchant

MAC

an64

M

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

FirstName

ans..32

M

First name of check subject

Surname

ans..32

M

Surname of check subject

Birthdate

ans..10

O

Date of birth in the format <DD.MM.YYYY>

AddrStreet

ans..32

M

Street name of check subject

AddrZip

n..5

M

Postcode of check subject

AddrCity

ans..32

M

Town/city of check subject

MatchFirstname

n..3

O

Percentage. Specifies how high the concordance of the first name must be. The identity is not confirmed if a minimum value is not met.

MatchSurname

n..3

O

Percentage. Specifies how high the concordance of the surname must be. The identity is not confirmed if a minimum value is not met.

MatchBirtdate

n..3

O

Percentage. Specifies how high the concordance of the date of birth must be. The identity is not confirmed if a minimum value is not met.

MatchAddrStreet

n..3

O

Percentage. Specifies how high the concordance of the street must be. The identity is not confirmed if a minimum value is not met.

MatchAddrZip

n..3

O

Percentage. Specifies how high the concordance of the postcode must be. The identity is not confirmed if a minimum value is not met.

MatchAddrCity

n..3

O

Percentage. Specifies how high the concordance of the town must be. The identity is not confirmed if a minimum value is not met.

CheckEDD

n1

O

Value 0 or 1. The account number given is checked if the value is 1. Requires the following parameters: Amount, Currency, AccOwner, AccIBAN, AccBank, AccNumber.

Amount

n..10

C

If CheckEDD=1 or CheckCC=1: 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

C

If CheckEDD=1 or CheckCC=1: Currency, three digits DIN / ISO 4217

AccNr

n..11

C

If CheckEDD=1: Account number without spaces. Account numbers in Germany are normally 10 characters long, in Austria they can be up to 11 characters.

AccIBAN

n..8

C

If CheckEDD=1: Sort code without spaces. In Austrian direct debit notes the sort code is normally only five characters long.

AccBank

ans..20

C

If CheckEDD=1: Name of the bank

AccOwner

a..50

C

If CheckEDD=1: Account holder

CheckCC

n1

O

Value 0 or 1. The credit card is checked if the value is 1. Requires the following parameters: CcNr, CcBrand, CcExpiry.

CCNr

n..16

C

If CheckCC=1: Credit card number or pseudo card-number minimum 12 characters, numerical, no spaces.

CCCVC

n..4

OC

If CheckCC=1: Card verification number, the last three digits on the signature strip of the credit card. 4 characters in the case of AMEX.

CCExpiry

n..6

C

If CheckCC=1: Credit card expiry date as string (YYYYMM), e.g. 201807

CCBrand

a..22

C

If CheckCC=1: Card type: AMEX, VISA, MasterCard, DINERS, JCB, CBN, SWITCH, SOLO or Dankort. Please note the spelling!

CustmID

ans..32

C

If CheckCC=1: Customer ID, must be unique for every customer. Used to generate pseudo card-number.

Parameters for Schufa IdentChecks via socket connection


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 transaction, e.g. for referencing in batch files.

XID

an32

M

ID assigned by Paygate for the transactions to an enquiry

TransID

ans..64

M

Merchant’s transaction 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)

Match

ans..32

M

Comma-separated percentage values with matches. Please note the order: all, surname, first name, sex, date of birth, street, postcode, town

EddStatus

a..30

C

If CheckEDD=1 has been transmitted: OK or FAILED.

EddCode

n..8

C

If CheckEDD=1 has been transmitted: Error code for checking the account details.

EddDescription

a..1024

C

If CheckEDD=1 has been transmitted: Description if the account check fails.

CcStatus

a..30

C

If CheckCC=1 has been transmitted: OK or FAILED.

CcCode

n..8

C

If CheckCC=1 has been transmitted: Error code for credit card payment.

CcDescription

a..1024

C

If CheckCC=1 has been transmitted: Further details in case of payment failure.

Result parameters for Schufa IdentChecks