API integration

Direct integration

Direct integration allows you to accept split payments using your own payment page. At the same time, the integration allows making payments using payment cards and alternative payment methods.

Interaction format:

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Note: the use of direct integration when collecting card data on the merchant side requires PCI DSS certification.

If using direct integration, if payment data is collected on your end, make sure that it is properly validated on your page, including:

• Card expiration date validation.

• Checking the card number according to the (Luhn algorithm).

• The entered CVV/CVC contains only numbers.
  
  

Features of using direct integration:

1. The payment page must use the HTTPS protocol.
2. Customer details must be persistent and unique.
3. Use the HTTP POST method.
   

Request parameters:

Parameter	Type	Required	Description
pos_id	UUID	✅	Merchant's identifier (POS_ID)
mode	MODE	✅	direct
method	METHOD	✅	Payment method (purchase)
amount	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
currency	CURRENCY	✅	Transaction currency (ISO_4217)
description	String	✅	Payment description
order_id	String	✅	Unique identified of order
order_3ds_bypass	String	✅	3-D Secure flow option
cc_number	CC_NUMBER	✅	Card number
exp_month	Number	✅	Card expiration month field
exp_year	Number	✅	Card expiration year field
card_cvv	String	✅	Card CVV
products	Array[Product]		Array of products to be paid
customer_id	String		Customer identifier in merchant's system
customer_fname	String	✅	Customer first name
customer_lname	String	✅	Customer last name
customer_email	String	✅	Customer email
customer_phone	String	✅	Customer phone
customer_ip	String	✅	Customer IP address
customer_country	String		Customer country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
server_url	URL		Webhook notification will be sent to this URL
result_url	URL		Customer will be redirected to this URL after payment.
merchant_mcc	MCC		MCC for this transaction
payload	String		Field for merchant custom data. Max 4000 symbols.
validation_url	String		Preflight request will be sent to this URL
browser_fingerprint	Json		Browser fingerprint. These parameters could be used in 3DS 2.0 verification.
cryptogram	Json		Cryptogram parameters.
customer_referrer	URL		Page customer is redirected from.
split	Array[SplitPayment]	✅	Split payment properties
customer_tax_id	String		Customer’s tax identification number

Depending on whether the request is full card data or a token, you need to pass the following parameters:

• Using full card data: cc_number, exp_month, exp_year, card_cvv.
• Using tokens: cc_token.

info

In addition to supporting payments with tokens received after card payments, we also support tokens generated during the first payment via Apple Pay or Google Pay. These tokens should be passed in the cc_token parameter

For example:

"cc_token":"rcr:ODJkZjBhNmY2OTMyNDJlN2wjMjFjfTQzOXU3ZDFhYzI6cWJmWHFmMHlzM3hYaXJMWEZv" (token after an Apple Pay or Google Pay payment)
or
"cc_token": "ODJkZjBhNmY2OTMyND7sSjdD0S8TQzOXU3ZDFhYzI6cWJmWHFmMHlz M3hYaXJMWEZv" (token after a card payment).

Additionally, the split payment must also include specific parameters in the split array:

Parameter	Type	Required	Description
amount	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
sub_merchant_id	UUID	✅	Unique Sub merchant identifier (to get the identifier, please contact support at support@finline.io)

Example request using card data:

$ curl "https://api.finline.io/api/v1/split/purchase" \
    -H "Content-Type: application/json" \
    -H "X-API-AUTH: CPAY ${API_KEY}:${API_SECRET}" \
    -H "X-API-KEY: ${ENDPOINTS_KEY}" \
    -X POST -d '{
      "pos_id":           "${POS_ID}",
      "mode":             "direct",
      "method":           "purchase",
      "amount":           100,
      "currency":         "UAH",
      "description":      "Order description",
      "order_id":         "123",
      "order_3ds_bypass": "always",
      "cc_number":        "4242424242424242",
      "exp_month":        2,
      "exp_year":         24,
      "card_cvv":         "111",
      "server_url":       "https://callback.blackhole.com/callback",
      "result_url":       "https://example.com/result",
      "payload":          "sale=true",
      "browser_fingerprint": {
          "browserColorDepth":       "24",
          "browserScreenHeight":     "860",
          "browserScreenWidth":      "1600",
          "browserJavaEnabled":      "false",
          "browserLanguage":         "uk-UA",
          "browserTimeZone":         "Europe/Kiev",
          "browserTimeZoneOffset":   "-120",
          "browserAcceptHeader":     "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
          "browserIpAddress":        "127.0.0.1",
          "browserUserAgent":        "Mozilla/5.0 (Windows NT 6.1; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/88.0.4324.146 Safari/537.36"
      },
      "split":[
          {
              "amount":          70,
              "sub_merchant_id": "${SUB_MERCHANT_ID_1}"
          },
          {
              "amount":          30,
              "sub_merchant_id": "${SUB_MERCHANT_ID_2}"
          }
      ]
    }'

Example request using token:

$ curl "https://api.finline.io/api/v1/split/purchase" \
    -H "Content-Type: application/json" \
    -H "X-API-AUTH: CPAY ${API_KEY}:${API_SECRET}" \
    -H "X-API-KEY: ${ENDPOINTS_KEY}" \
    -X POST -d '{
      "pos_id":           "${POS_ID}",
      "mode":             "direct",
      "method":           "purchase",
      "amount":           100,
      "currency":         "UAH",
      "description":      "Order description",
      "order_id":         "123",
      "order_3ds_bypass": "always",
      "cc_token":         "ODJkZjBhNmY2OTMyNDJlN2wjMjFjfTQzOXU3ZDFhYzI6cWJmWHFmMHlzM3hYaXJMWEZv",
      "server_url":       "https://callback.blackhole.com/callback",
      "result_url":       "https://example.com/result",
      "payload":          "sale=true",
      "browser_fingerprint": {
          "browserColorDepth":       "24",
          "browserScreenHeight":     "860",
          "browserScreenWidth":      "1600",
          "browserJavaEnabled":      "false",
          "browserLanguage":         "uk-UA",
          "browserTimeZone":         "Europe/Kiev",
          "browserTimeZoneOffset":   "-120",
          "browserAcceptHeader":     "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
          "browserIpAddress":        "127.0.0.1",
          "browserUserAgent":        "Mozilla/5.0 (Windows NT 6.1; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/88.0.4324.146 Safari/537.36"
      },
      "split":[
          {
              "amount":          70,
              "sub_merchant_id": "${SUB_MERCHANT_ID_1}"
          },
          {
              "amount":          30,
              "sub_merchant_id": "${SUB_MERCHANT_ID_2}"
          }
      ]
    }'

Response parameters:

Parameter	Type	Required	Description
pos_id	UUID	✅	Merchant's identifier (POS_ID)
mode	MODE	✅	direct
method	METHOD	✅	Payment method (purchase)
amount	Number	✅	Transaction amount
currency	CURRENCY	✅	Transaction currency (ISO_4217)
description	String	✅	Payment description
order_id	String	✅	Unique identified of order
order_3ds_bypass	String	✅	3-D Secure flow option
cc_number	CC_NUMBER	✅	Card number
exp_month	Number	✅	Card expiration month field
exp_year	Number	✅	Card expiration year field
card_cvv	String	✅	Card CVV
products	Array[Product]		Array of products to be paid
customer_id	String		Customer identifier in merchant's system
customer_fname	String	✅	Customer first name
customer_lname	String	✅	Customer last name
customer_email	String	✅	Customer email
customer_phone	String	✅	Customer phone
customer_ip	String	✅	Customer IP address
customer_country	String		Customer country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
server_url	URL		Webhook notification will be sent to this URL
result_url	URL		Customer will be redirected to this URL after payment.
merchant_mcc	MCC		MCC for this transaction
payload	String		Field for merchant custom data. Max 4000 symbols.
validation_url	String		Preflight request will be sent to this URL
browser_fingerprint	Json		Browser fingerprint. These parameters could be used in 3DS 2.0 verification.
split	Array[SplitPayment]	✅	Split payment properties
customer_tax_id	String		Customer’s tax identification number

Response example:

{
  "payment_id":           "9b1392a5-d030-4e85-b02d-9b7191ea2a5e",
  "order_id":             "123",
  "gateway_order_id":     "9B39A076243EB3EBB0925EAA981763AC:158545961",
  "billing_order_id":     "11231231231",
  "transaction_id":       "a8d80c86-0c7b-41bc-b63d-1e78f80edcd9",
  "pos_id":               "dc728de1-51ef-4ef1-80f7-3b44b07b5667",
  "mode":                 "direct",
  "method":               "purchase",
  "amount":               100,
  "currency":             "UAH",
  "description":          "Order description",
  "status":               "pending",
  "status_code":          "2122",
  "status_description":   "3DS verification is required to finish the transaction.",
  "user_action_required": true,
  "user_action_url":      "http://secure.secure3d.net/s3st?a=start_3ds&tid=a8d81c860c7b41bcb65d1e78f80edcd923ac18d5dd1d4a37e6c7df7d5e4bec74ab5d790b",
  "eci":                  "7",
  "mcc":                  "4900",
  "options_3ds":          "supported",
  "cc_mask":              "424242******4242",
  "cc_token":             "ODJkZjBhNmY2OTMyNDJlN2wjMjFjfTQzOXU3ZDFhYzI6cWJmWHFmMHlzM3hYaXJMWEZv",
  "cc_token_expiration":  "2020-10-10T10:10:22",
  "customer_id":          "123",
  "customer_ip":          "194.183.171.239",
  "customer_fname":       "Tom",
  "customer_lname":       "Hanks",
  "customer_email":       "tom.hanks@example.com",
  "customer_phone":       "+380999999999",
  "customer_country":     "UA",
  "result_url":           "https://example.com/result",
  "created_at":           "2018-10-10T10:10:22.100",
  "processing_time":      "2018-10-10T10:10:23.300",
  "payload":              "sale=true",
  "bank_short_name":      "Bank name"
}

In addition, the following data regarding the fingerprint of the payer's browser must be submitted in the request:

Parameter	Type	Description
browserColorDepth	String	Browser's color depth
browserScreenHeight	String	Browser's screen height
browserScreenWidth	String	Browser's screen width
browserJavaEnabled	String	Browser's java enabled
browserLanguage	String	Browser's language
browserTimeZone	String	Browser's timezone
browserTimeZoneOffset	String	Browser's timezone offset
browserAcceptHeader	String	Browser's accept header
browserIpAddress	String	Browser's IP address
browserUserAgent	String	Browser's user agent

An example of a payer's browser fingerprint:

"browser_fingerprint": {
  "browserColorDepth":       "24",
  "browserScreenHeight":     "860",
  "browserScreenWidth":      "1600",
  "browserJavaEnabled":      "false",
  "browserLanguage":         "uk-UA",
  "browserTimeZone":         "Europe/Kiev",
  "browserTimeZoneOffset":   "-120",
  "browserAcceptHeader":     "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
  "browserIpAddress":        "127.0.0.1",
  "browserUserAgent":        "Mozilla/5.0 (Windows NT 6.1; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/88.0.4324.146 Safari/537.36"
}

Hosted integration

The Hosted integration will allow you to accept split payments from customers from the Financial Line payment page. This payment method provides an ability to use payment cards, Apple Pay and Google Pay™ digital wallets, as well as local payment methods.

Interaction format:

To create a payment through the hosted integration, use the HTTP POST method.

Request parameters:

Parameter	Type	Required	Description
pos_id	UUID	✅	Merchant's identifier (POS_ID)
mode	MODE	✅	hosted
method	METHOD	✅	Payment method (purchase)
amount	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
currency	CURRENCY	✅	Transaction currency (ISO_4217)
description	String	✅	Payment description
order_id	String	✅	Unique identified of order
order_3ds_bypass	String	✅	3-D Secure flow option
products	Array[Product]		Array of products to be paid, empty array can be specified
customer_id	String		Customer identifier in merchant's system
customer_fname	String		Customer first name
customer_lname	String		Customer last name
customer_email	String	✅	Customer email
customer_phone	String	✅	Customer phone
customer_ip	String		Customer IP address
customer_lang	String		Checkout language. Supported values.
customer_country	String		Customer country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
server_url	URL		Webhook notification will be sent to this URL
result_url	URL		Customer will be redirected to this URL after payment.
merchant_mcc	MCC		MCC for this transaction
payload	String		Field for custom data. Max 4000 symbols.
validation_url	URL		Preflight request will be sent to this URL
split	Array[SplitPayment]	✅	Split payment properties
customer_tax_id	String		Customer’s tax identification number

Additionally, the split payment must also include specific parameters in the split array:

Parameter	Type	Required	Description
amount	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
sub_merchant_id	UUID	✅	Unique Sub merchant identifier (to get the identifier, please contact support at support@finline.io)

Request example:

$ curl -i "https://api.finline.io/api/v1/split/purchase" \
    -H "Content-Type: application/json" \
    -H "X-API-AUTH: CPAY ${API_KEY}:${API_SECRET}" \
    -H "X-API-KEY: ${ENDPOINTS_KEY}" \
    -X POST -d '{
      "pos_id":           "${POS_ID}",
      "mode":             "hosted",
      "method":           "purchase",
      "amount":           100,
      "currency":         "UAH",
      "description":      "description_1",
      "order_id":         "123",
      "order_3ds_bypass": "always",
      "server_url":       "https://callback.blackhole.com/callback",
      "result_url":       "https://example.com/result",
      "payload":          "sale=true",
      "split":[
          {
              "amount":          70,
              "sub_merchant_id": "${SUB_MERCHANT_ID_1}"
          },
          {
              "amount":          30,
              "sub_merchant_id": "${SUB_MERCHANT_ID_2}"
          }
      ]
    }'

A 303 HTTP response status to a successful request contains a Location header to which the customer should be redirected to proceed with payment.

Response example:

HTTP/2 303
# .. other headers
Location: https://api.finline.io/api/v1/checkout/1b806782-3d97-4444-abb9-6e4b45d34663/form

Next steps

To test the payment process:

• Create an account in the merchant portal..
• Use the authentication data of the test project.
• Configure webhooks.
• Use the test data to obtain different operation result codes.
• Handle received errors.

Find more details in the integration checklist.

After completing the test to go live, you need:

1. Create a live project in the merchant portal.
2. With direct integration: pass PCI DSS certification (if you intend to work with card data of payers on your side).
3. After receiving information from our Compliance team about the completion of the settings for the project, make changes to the authentication data using the data of the live project.
4. You are ready to receive payments from your customers.

See also:

• Split payments refund
• Hosted checkout
• Adding payment methods