# 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) | ✅
Needs attention!
|
| 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.
---
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