PostFinance Pay

Via the Saferpay JSON API, payments can be handled through PostFinance Pay.

General requirements

Acceptance of PostFinance Pay requires:

• A corresponding license 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 and has the following requirements for integration:

• JSON API Version 1.37 or later.

• Recurring payments are only available via Alias.

• Postfinance Pay does not support the Iframe integration. Saferpay will break out of the IFrame, if necessary.

• The Payment.OrderId is restricted to a maximum of 18 characters. Anything more will be truncated.

PostFinance Pay transactions are only valid for 30 days and must be captured 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.

Refunds may only be executed up to 12 months, after the original transaction.

Supported features

Feature	Support
Capture/Cancel	✅ / ✅
Multipart Captures	✅
Secure Card Data	✅
Refunds	✅ Needs attention!
Recurring Payments	✅ Needs attention!
3D Secure	❌
Dynamic Currency Conversion (DCC)	❌
Mail Phone Order	❌
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 and the Standalone Alias 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, you need to specify the parameter Type with the value POSTFINANCEPAY, which signals, that you want to save Postfinance Pay payment means.

Request

{
  "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/"
  }
}

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.

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.

Technical Integration

From a technical standpoint, the merchant is performing a RefundDirect request, 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

{
  "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": "[email protected]",
      "CountryCode": "ch",
      "City": "Somecity",
      "Street": "Somestreet 1",
      "Zip": "12345",
      "Phone": "[phone]",
      "DateOfBirth": "1989-03-17"
    }
  }
}

Testing

Please refer to this chapter, if you want to test PostFinance Pay.