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.
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
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.
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.
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.
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.
Complete URL which Paygatecalls 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.
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.
If specified at request, Paygate forwards the parameter with the payment result to the shop.
Key
Format
CND
Description
Beschreibung
Key
Format
CND
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-TT
Key
Format
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>
<ANGESTELLTER_OEFFENTLICHER_DIENST>
<ARBEITER>
<BEAMTER>
<RENTNER>
<SELBSTAENDIGER>
<ARBEITSLOSER>
<SONSTIGES>
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
Format
CND
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.
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.
Key
Format
CND
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
Packstation
sdStreet
a..50
C
Street
Straße
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.
Key
Format
CND
Contact data
Kontaktdaten
Email
ans..50
M
Email address of the customer
E-Mail-Adresse des Kunden
MobileNr
ans..50
O
Customer’s mobile telephone number
Mobiltelefonnummer des Kunden
Key
Format
CND
Bank data
Bankdaten
IBAN
ans..34
O
Customer's IBAN
IBAN des Kunden
BIC
an..11
O
Customer’s BIC
BIC des Kunden
Key
Format
CND
Further customer data
Weitere Kundendaten
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
Key
Format
CND
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
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
Key
Format
CND
Article list
Artikelliste
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:
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:
Anschließend muss die im JSON-Format erstellte Artikelliste Base64 encodiert werden.
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:
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. mid, RefNr) should not be checked case-sentive
If specified at request, Paygate forwards the parameter with the payment result to the shop.
Key
Format
CND
Description
Beschreibung
CodeExt
ans..1024
O
Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk
Fehlercode von easyCredit ratenkauf, wenn mit Computop Helpdesk abgesprochen
ErrorText
ans..1024
O
Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk
Fehlertext von easyCredit ratenkauf, wenn mit Computop Helpdesk abgesprochen
Response parameters for URLSuccess and URLFailure with easyCredit ratenkauf
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:
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
Error code according to Paygate Response Codes (A4 Error codes)
Key
Format
CND
Description
Beschreibung
Decision
ans..1024
O
Contains decision data for a previous initialization. There are returned in JSON format and Base64 encoded.
Example JSON format (already Base64 decoded):
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.
Enthält die Entscheidungsdaten zur vorherigen Initialisie-rung. Diese werden im JSON-Format und Base64-encodiert zurückgegeben.
Beispiel JSON-Format (bereits Base64-decodiert):
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):
Enthält allgemeine Vorgansdaten zur vorherigen Initialisie-rung. Diese werden im JSON-Format und Base64-encodiert zurückgegeben.
Beispiel JSON-Format (bereits Base64-decodiert):
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):
Enthält Finanzierungsdaten zur vorherigen Initialisierung. Diese werden im JSON-Format und Base64-encodiert zu-rückgegeben.
Beispiel JSON-Format (bereits Base64-decodiert):
CodeExt
ans..1024
O
Error code from easyCredit ratenkauf, if agreed with Computop Helpdesk
Fehlercode von easyCredit ratenkauf, wenn mit Computop Helpdesk abgesprochen
ErrorText
ans..1024
O
Error text from easyCredit ratenkauf, if agreed with Computop Helpdesk
Fehlertext von easyCredit ratenkauf, wenn mit Computop Helpdesk abgesprochen
Response parameters for retrieving installment information from easyCredit ratenkauf
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:
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
<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 Computop. Please contact Computop Helpdesk 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 Computop konfiguriert sein. Bitte wenden Sie sich Hierzu an den Computop Helpdesk.
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
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. mid, RefNr) should not be checked case-sentive
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
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.
Datum, an dem die verkaufte Leistung/Ware geliefert wurde. im Format JJJJ-MM-TT. Die Lieferung wird separat von der Bestätigung angestoßen.
Hinweis: Für das manuelle Ausführen der Lieferung muss der Händler korrekt bei Computop konfiguriert sein. Das kann auch mit dem Parameter Capture übersteuert werden. Wenden Sie sich hierzu bitte an den Computop Helpdesk.
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
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. mid, RefNr) should not be checked case-sentive
Notice: For security reasons, Computop Paygate rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
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
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. mid, RefNr) should not be checked case-sentive
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
