# PostFinance Pay Via the Saferpay JSON API, payments can be handled through PostFinance Pay. ## General requirements Acceptance of PostFinance Pay requires: * A [corresponding license](https://docs.saferpay.com/home/master/licensing) and thus a valid identification with a username and password for the Saferpay system. * A valid contract with PostFinance. ### Technical requirements The general integration of PostFinance Pay can be done via the [Payment Page](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/payment-page) and has the following requirements for integration: * JSON API Version 1.37 or later. * [Recurring payments](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/transaction-interface/recurring-payments) are only available [via Alias](https://docs.saferpay.com/home/licences-and-interfaces/transaction-interface/recurring-payments#recurring-payments-using-an-alias). * Postfinance Pay does not support the [Iframe integration](https://docs.saferpay.com/home/general-information/iframe-integration-and-css#iframe-integration). [Saferpay will break out of the IFrame, if necessary](https://docs.saferpay.com/home/general-information/iframe-integration-and-css#iframe-support). * The **`Payment.OrderId`** is restricted to a maximum of 18 characters. Anything more will be truncated. {% hint style="warning" %} PostFinance Pay transactions are only valid for 30 days and must be [captured](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/capture-and-daily-closing) in this time frame. After 30 days, the reservation will void and the authorized amount can no longer be transferred! However you have a guaranteed payout, within these 30 days. {% endhint %} {% hint style="warning" %} [Refunds](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/transaction-interface/refunds) may only be executed up to 12 months, after the original transaction. {% endhint %} ### Supported features | Feature | Support | | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | :----------------------------------------------------------------------: | | [Capture](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/capture-and-daily-closing)/[Cancel](https://docs.saferpay.com/home/licences-and-interfaces/capture-and-daily-closing#cancel) | ✅ / ✅ | | [Multipart Captures](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/capture-and-daily-closing/partial-captures) | ✅ | | [Secure Card Data](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/secure-card-data) | ✅ | | [Refunds](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/transaction-interface/refunds) | ✅ | | [Recurring Payments](https://docs.saferpay.com/home/integration-guide/licences-and-interfaces/transaction-interface/recurring-payments) |

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| | 3D Secure | ❌ | | Dynamic Currency Conversion (DCC) | ❌ | | Mail Phone Order | ❌ | | [Testing](#testing) | ✅ | | Omni-Channel | ❌ | ## Storage in the Secure Card Data Store If you intend on saving PostFinance Pay-data for later use, Saferpay provides the possibility of storing the payment data inside the Saferpay Secure Card store, for the [Payment Page ](https://docs.saferpay.com/home/licences-and-interfaces/secure-card-data#secure-card-data-and-the-payment-page)and the [Standalone Alias Registration](#stansdalone-registration). For this, the following requirements must be met: * Activation of Saferpay Secure Card Data in the Saferpay merchant account. * The feature must also be activated on PostFinance side. ### Stansdalone registration If you intend to use the [standalone registration](https://docs.saferpay.com/home/licences-and-interfaces/secure-card-data#standalone-secure-card-data-registration), you need to specify the parameter **Type** with the value **POSTFINANCEPAY**, which signals, that you want to save Postfinance Pay payment means. {% tabs %} {% tab title="Request" %} ```json { "RegisterAlias": { "IdGenerator": "RANDOM_UNIQUE" }, "Type": "POSTFINANCEPAY", "LanguageCode": "en", "RequestHeader": { "SpecVersion": "1.37", "CustomerId": "242225", "RequestId": "5f543be575b3f3ecff3214257ac6978a", "RetryIndicator": 0, "ClientInfo": { "ShopInfo": "My Shop", "OsInfo": "Windows Server 2013" } }, "ReturnUrl": { "Url": "https://www.myshop.com/" } } ``` {% endtab %} {% endtabs %} ## Address collection from PostFinance This function is currently not yet available and will be delivered at a later date. ## Instant Payouts Instant Payouts enables merchants to directly fund Swiss bank accounts. Use-cases may include the payout of winnings and other cases, that do not directly refund a previously made transaction. ### Requirements Instant Payouts requires the following things in order to work: * The merchant needs a dedicated Instant Payout contract and a bank account with PostFinance. * Activation of said contract on the desired Saferpay Terminal-ID * The recipient needs a bank account with a participating Swiss bank. * **API SpecVersion** 1.50+ {% hint style="info" %} Instant payouts are only possible in Swiss francs and up to a maximum amount of CHF 20'000. If the PostFinance recipient account is held in a foreign currency, PostFinance will convert the amount. {% endhint %} ### Technical Integration From a technical standpoint, the merchant is performing a [**RefundDirect request**](https://saferpay.github.io/jsonapi/#Payment_v1_Transaction_RefundDirect), with which they are providing the IBAN of the destination bank account, inside the **`PaymentMeans.BankAccount`** container. In addition, for legal reasons, you **must** also send the **complete address** of the recipient inside the **`OriginalCreditTransfer.Recipient`** container. Not submitting the address may lead to errors, or rejections. #### Example ```json { "RequestHeader": { "SpecVersion": "[current Spec-Version]", "CustomerId": "[your customer id]", "RequestId": "[your request id]", "RetryIndicator": 0 }, "TerminalId": "[your terminal id]", "Refund": { "Amount": { "Value": "100", "CurrencyCode": "CHF" } }, "PaymentMeans": { "BankAccount": { "IBAN": "CH98123456789012345", "HolderName": "John Doe" } }, "OriginalCreditTransfer": { "Recipient": { "FirstName": "John", "LastName": "Doe", "Gender": "MALE", "Email": "john.doe@provider.com", "CountryCode": "ch", "City": "Somecity", "Street": "Somestreet 1", "Zip": "12345", "Phone": "+411234567890123", "DateOfBirth": "1989-03-17" } } } ``` ## Testing Please refer to [this chapter](https://docs.saferpay.com/home/integration-guide/testing-and-go-live#postfinance-pay), if you want to test PostFinance Pay.