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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  easyCredit ratenkauf 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: 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.


Logo

Info

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

 

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

 

Process flow chart


 

easyCredit process flow


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

Comment

CND

condition


M

mandatory

If a parameter is mandatory, then it must be present

O

optional

If a parameter is optional, then it can be present, but it is not required

C

conditional

If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional


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


easyCredit ratenkauf purchase on invoice and hire purchase

In order to initialise an installment payment with easyCredit via a Paygate form, please use the following URL:

https://www.computop-paygate.com/easyCredit.aspx


Notice: For security reasons, Computop 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:

KeyFormatCNDDescription

MerchantID

ans..30

M

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

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

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€.

KeyFormatCNDDescription
Currency

a3

M

Currency, three letters DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

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.

EventToken

enum

M

Defines the request to be made at easyCredit:

<INT> for initialising the transaction

KeyFormatCNDDescription
URLSuccess

ans..256

M

Complete URL which calls up Paygate if payment has been successful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

(info) Common notes:

  • We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate
  • However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

KeyFormatCNDDescription
URLFailure

ans..256

M

Complete URL which calls up Paygate if payment has been unsuccessful. The URL may be called up only via port 443. This URL may not contain parameters: In order to exchange values between Paygate and shop, please use the parameter UserData.

(info) Common notes:

  • We recommend to use parameter "response=encrypt" to get an encrypted response by Paygate
  • However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

KeyFormatCNDDescription
Response

a7

O

Status response sent by Paygate to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter.

KeyFormatCNDDescription
URLNotify

ans..256

M

Complete URL which Paygate calls up in order to notify the shop about the payment result. The URL may be called up only via port 443. It may not contain parameters: Use the UserData parameter instead.

(info) Common notes:

  • Before follow-up actions (capture / credit / reversal) are carried out on an existing transaction, the first Notify must have been answered by the shop.
  • Fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the "code"-value which indicates success/failure of the action. Only a result of "code=00000000" should be considered successful.

KeyFormatCNDDescription
UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop.

Key

Format

CND

Description




Personal details

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

Salutation

a..15

C

Salutation MR or MRS

FirstName

ans..50

C

First name

LastName

ans..50

C

Last name

DateOfBirth

dttm

C

Date of birth in the format YYYY-MM-DD




Occupation data

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

Employment

enum

C

Occupation of the customer. Possible entries are:

EMPLOYEE

EMPLOYEE_PUBLIC_SECTOR

WORKER

CIVIL_SERVANT

RETIREE

SELF_EMPLOYED

UNEMPLOYED

OTHER

MonthlyNetIncome

n..12

C

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




Invoicing address

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

bdFirstName

ans..50

M

First name in invoicing address

bdLastName

ans..50

M

Last name in invoicing address

bdStreet

a..50

C

Street

bdStreetNr

ans..5

C

Street number

bdAddressAddition

a..50

C

Address c/o

bdZip

n5

C

Postcode

bdCity

ans..50

C

Town

bdCountryCode

a2

C

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




Delivery address

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

PackingStation

an..30

O

Packing station

sdFirstName

ans..50

M

First name in delivery address

sdLastName

ans..50

M

Last name in delivery address

sdStreet

a..50

C

Street

sdStreetNr

ans..5

C

Street number

sdAddressAddition

a..50

C

Address c/o

sdZip

n5

C

Postcode

sdCity

ans..50

C

Town

sdCountryCode

a2

C

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




Contact data

Email

ans..50

M

Email address of the customer

MobileNr

ans..50

O

Customer’s mobile telephone number




Bank data

IBAN

ans..34

O

Customer's IBAN

BIC

an..11

O

Customer’s BIC




Further customer data

Phone

ans..15

O

Customer’s phone number

Title

enum

O

Title of the customer. Possible entries are:

<PROFDR> for Prof. Dr.

<DR> for Dr.

<PROF> for Prof.

<DRDR> for Dr. Dr.

MaidenName

ans..50

O

Maiden name

PlaceOfBirth

ans..50

O

Place of birth




Risk-relevant data

CustomerStatus

enum

O

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

<NEUKUNDE>

<BESTANDSKUNDE>

<PREMIUMKUNDE>

CustomerSince

dttm

O

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

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

NumberArticles

n..5

O

Number or articles within basket

NumberOrders

n..10

O

Number of previous orders within the webshop

NegativePaymentInfo

enum

O

Negative payment information about the customer. Possible entries are:

<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




Article list

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
{
  "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


The following table gives the result parameters which Computop Paygate transmits to URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are sent Blowfish encrypted to your system:

(info) pls. be prepared to receive additional parameters at any time and do not check the order of parameters

(info) the key (e.g. mid, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

Status

a..50

M

AUTHORIZE_REQUEST (URLSuccess) and FAILED (URLFailure)

KeyFormatCNDDescription
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!

KeyFormatCNDDescription
Code

an8

M

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

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

KeyFormatCNDDescription
UserData

ans..1024

O

If specified at request, Paygate forwards the parameter with the payment result to the shop.

Key

Format

CND

Description

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk

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

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

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:

https://www.computop-paygate.com/easyCreditDirect.aspx


Notice: For security reasons, Computop 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:

KeyFormatCNDDescription

MerchantID

ans..30

M

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

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

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€.

KeyFormatCNDDescription
Currency

a3

M

Currency, three letters DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

EventToken

enum

M

Defines the request to be made at easyCredit:

<GET> With this EventToken all the installment information will be retrieved.

Parameters for retrieving installment information from easyCredit ratenkauf


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

(info) pls. be prepared to receive additional parameters at any time and do not check the order of parameters

(info) the key (e.g. mid, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
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!

KeyFormatCNDDescription
Code

an8

M

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

Key

Format

CND

Description

Financing

ans..1024

O

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

Example JSON format (already Base64 decoded):

{
  "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"
}

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk

Response parameters for retrieving installment information from easyCredit ratenkauf


Example Request

MerchantID=YourMerchantID
PayID=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
TransID=123456
RefNr=27022017_01
Amount=59995
Currency=EUR
EventToken=GET

Example Response

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", please use the following URL:

https://www.computop-paygate.com/easyCreditDirect.aspx

 

Notice: For security reasons, Computop 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:

KeyFormatCNDDescription

MerchantID

ans..30

M

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

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

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€.

KeyFormatCNDDescription
Currency

a3

M

Currency, three letters DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

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.

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 Computop. Please contact Computop Helpdesk in this case.

Parameters for confirming a hire purchase with easyCredit ratenkauf


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

(info) pls. be prepared to receive additional parameters at any time and do not check the order of parameters

(info) the key (e.g. mid, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
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!

KeyFormatCNDDescription
Code

an8

M

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

Key

Format

CND

Description

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk

Response parameters for confirming a hire purchase with easyCredit


Capture (notify a delivery)

To manually notify the delivery to easyCredit ratenkauf via a Server-to-Server connection, please use the following URL:

https://www.computop-paygate.com/capture.aspx

 

Notice: For security reasons, Computop 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:

KeyFormatCNDDescription

MerchantID

ans..30

M

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

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

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€.

KeyFormatCNDDescription
Currency

a3

M

Currency, three letters DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Date

dttm

O

Date of delivery of the sold services/goods in the format YYYY-MM-DD. The delivery is initiated separately from the confirmation.

Notice: For manual delivery execution the merchant must be configured accordingly at Computop. This can be overridden also with the parameter Capture. Please contact Computop Helpdesk in this case.

KeyFormatCNDDescription
Capturean..6OM

Determines the type and time of capture.

Capture ModeDescription
AUTOCapturing immediately after authorisation (default value).
MANUALCapturing made by the merchant. Capture is normally initiated at time of delivery.
<Number>Delay in hours until the capture (whole number; 1 to 696).

KeyFormatCNDDescription
ReqId

ans..32

O

To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, Computop Paygate will not carry out the payment or new action, but will just return the status of the original transaction or action.

Please note that the Computop Paygate must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on Paygate does not take effect. Submissions with identical ReqID for an open status will be processed regularly.

Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the Paygate.

Parameters for capturing a hire purchase with easyCredit ratenkauf


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

(info) pls. be prepared to receive additional parameters at any time and do not check the order of parameters

(info) the key (e.g. mid, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

Status

a..50

M

Request

KeyFormatCNDDescription
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!

KeyFormatCNDDescription
Code

an8

M

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

Key

Format

CND

Description

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk

Response parameters for capturing a hire purchase with easyCredit ratenkauf


Credit (notify a reversed transaction)

To notify a reversed transaction to easyCredit ratenkauf via a Server-to-Server connection, please use the following URL:

https://www.computop-paygate.com/credit.aspx

 

Notice: For security reasons, Computop 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:

KeyFormatCNDDescription

MerchantID

ans..30

M

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

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

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€.

KeyFormatCNDDescription
Currency

a3

M

Currency, three letters DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Date

dttm

M

Date the merchant received the reversed transaction in the format YYYY-MM-DD

Reason

enum

M

Reason for the reversed transaction. Possible entries are:

<WIDERRUF_VOLLSTAENDIG>

<WIDERRUF_TEILWEISE>

<RUECKGABE_GARANTIE_GEWAEHRLEISTUNG>

<MINDERUNG_GARANTIE_GEWAEHRLEISTUNG>

KeyFormatCNDDescription
ReqId

ans..32

O

To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, Computop Paygate will not carry out the payment or new action, but will just return the status of the original transaction or action.

Please note that the Computop Paygate must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on Paygate does not take effect. Submissions with identical ReqID for an open status will be processed regularly.

Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the Paygate.

Parameters for reverse of a hire purchase with easyCredit ratenkauf


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

(info) pls. be prepared to receive additional parameters at any time and do not check the order of parameters

(info) the key (e.g. mid, RefNr) should not be checked case-sentive

KeyFormatCNDDescription

mid

ans..30

M

MerchantID, assigned by Computop

KeyFormatCNDDescription
PayID

an32

M

ID assigned by Paygate for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by Paygate

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number

Key

Format

CND

Description

Status

a..50

M

Request

KeyFormatCNDDescription
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!

KeyFormatCNDDescription
Code

an8

M

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

Key

Format

CND

Description

CodeExt

ans..1024

O

Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk

ErrorText

ans..1024

O

Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk

Response parameters for reverse of a hire purchase with easyCredit ratenkauf



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