About easyCredit

General information about easyCredit

Since 2003 TeamBank AG is a member of the Genossenschaftliche FinanzGruppe and with its product easyCredit the expert for hire purchase of the Volksbanken Raiffeisenbanken. Under the name ratenkauf by easyCredit 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 ratenkauf by easyCredit: 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 ratenkauf by easyCredit.


Logo

Info

EasyCredit 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.

TypePayments by Invoice and Installments EN

 

Further information can be found on the webpage of easyCredit (https://www.easycredit.de/).

 

Process flow chart


easyCredit process flow


interface


easyCredit purchase on invoice and hire purchase

In order to initialise an installment payment with easyCredit via a  form, go to the following URL:


https://paymentpage.axepta.bnpparibas/easyCredit.aspx


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KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by . Additionally this parameter has to be passed in plain language too.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

KeyFormatCNDDescription
Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Beschreibung

Term

n..2

O

Duration in months. If applicable here the duration can be preset with a value the customer has already selected for the example calculation.

Laufzeit in Monaten. Hier kann ggf. eine vom Kunden bereits in der Beispielrechnung gewählte Laufzeit vorbelegt werden.

EventToken

enum

M

Defines the request to be made at easyCredit:

<INT> for initialising the transaction

Definiert die bei easyCredit auszuführende Anfrage:

<INT> zur Initialisierung eines Vorgangs

KeyFormatCNDDescription
URLSuccess

ans..256

M

Complete URL which calls up  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  and shop, please use the parameter UserData.

(info) Common notes:

  • We recommend to use parameter "response=encrypted" to get an encrypted response by
  • 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.

KeyFormatCNDDescription
URLFailure

ans..256

M

Complete URL which calls up  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  and shop, please use the parameter UserData.

(info) Common notes:

  • We recommend to use parameter "response=encrypted" to get an encrypted response by
  • 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.

KeyFormatCNDDescription
Response

a7

O

Status response sent by  to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter.

KeyFormatCNDDescription
URLNotify

ans..256

M

Complete URL which  calls 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.

(info) Common notes:

  • We recommend to use parameter "response=encrypted" to get an encrypted response by
  • 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.

KeyFormatCNDDescription
UserData

ans..1024

O

If specified at request,  forwards the parameter with the payment result to the shop.

Key

Format

CND

Description

Beschreibung
KeyFormatCND

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
KeyFormatCND

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)
KeyFormatCND

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.
KeyFormatCND

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.
KeyFormatCNDContact dataKontaktdaten

Email

ans..50

O

Email address of the customer

E-Mail-Adresse des Kunden

MobileNr

ans..50

O

Customer’s mobile telephone number

Mobiltelefonnummer des Kunden
KeyFormatCNDBank dataBankdaten

IBAN

ans..34

O

Customer's IBAN

IBAN des Kunden

BIC

an..11

O

Customer’s BIC

BIC des Kunden
KeyFormatCNDFurther customer dataWeitere 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
KeyFormatCNDRisk-relevant dataRisikorelevante 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

KeyFormatCNDArticle listArtikelliste

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 payments


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KeyFormatCNDDescription

MID

ans..30

M

MerchantID, assigned by

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Status

a..50

M

AUTHORIZE_REQUEST (URLSuccess) and FAILED (URLFailure)

AUTHORIZE_REQUEST (URLSuccess) und FAILED (URLFailure)

KeyFormatCNDDescription
Description

ans..1024

M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

KeyFormatCNDDescription
Code

n8

M

Error code according to  Response Codes (A4 Response codes)

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

KeyFormatCNDDescription
UserData

ans..1024

O

If specified at request,  forwards the parameter with the payment result to the shop.

Key

Format

CND

Description

Beschreibung

CodeExt

ans..1024

O

Error code from easyCredit, if agreed with

Fehlercode von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit, if agreed with

Fehlertext von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

Response parameters for URLSuccess and URLFailure with easyCredit



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, please use the following URL:


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KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by . Additionally this parameter has to be passed in plain language too.

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

KeyFormatCNDDescription
Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Beschreibung

EventToken

enum

M

Defines the request to be made at easyCredit:

<DEC> loads decision date for a previous initialization

<PRO> loads general transaction data for a previous initialization

<FIN> loads financing data for a previous initialization

<GET> With this EventToken the three requests <DEC>, <PRO> and <FIN> can be triggered with one call (recommended).

Definiert die bei easyCredit auszuführende Anfrage:

<DEC> Lädt die Entscheidungsdaten zu einer vorherigen Initialisierung

<PRO> Lädt die allgemeinen Vorgangsdaten zu einer vorherigen Initialisierung

<FIN> Lädt die Finanzierungsdaten zu einer vorherigen Initialisierung

<GET> Mit diesem EventToken können die drei Anfragen <DEC>, <PRO> und <FIN> mit einem Aufruf angestoßen werden (empfehlenswert).

Parameters for retrieving installment information from easyCredit

 

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KeyFormatCNDDescription

MID

ans..30

M

MerchantID, assigned by

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
Description

ans..1024

M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

KeyFormatCNDDescription
Code

n8

M

Error code according to  Response Codes (A4 Response 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, if agreed with

Fehlercode von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit, if agreed with

Fehlertext von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

Response parameters for retrieving installment information from easyCredit

 


Confirm hire purchase

To finally set a hire purchase with easyCredit via a Server-to-Server connection to "CONFIRMED", call the following URL:

 

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KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by . Additionally this parameter has to be passed in plain language too.

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

KeyFormatCNDDescription
Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Beschreibung

EventToken

enum

M

Defines the request to be made at easyCredit:

<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 . Please contact  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 The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro konfiguriert sein. Bitte wenden Sie sich Hierzu an den The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro.

Parameters for confirming a hire purchase with easyCredit

 

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KeyFormatCNDDescription

MID

ans..30

M

MerchantID, assigned by

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
Description

ans..1024

M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

KeyFormatCNDDescription
Code

n8

M

Error code according to  Response Codes (A4 Response codes)

Key

Format

CND

Description

Beschreibung

CodeExt

ans..1024

O

Error code from easyCredit, if agreed with

Fehlercode von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit, if agreed with

Fehlertext von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

Response parameters for confirming a hire purchase with easyCredit



Capture (notify a delivery)

To manually notify the delivery to easyCredit via a Server-to-Server connection, call the following URL:

 

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KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by . Additionally this parameter has to be passed in plain language too.

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

KeyFormatCNDDescription
Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Beschreibung

Date

dttm

O

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 . This can be overridden also with the parameter Capture. Please contact  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 The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro konfiguriert sein. Das kann auch mit dem Parameter Capture übersteuert werden. Wenden Sie sich hierzu bitte an den The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro.

KeyFormatCNDDescription
Capture

an..6

O

Determines the type and time of capture.

Capture ModeDescription
AUTOCapturing immediately after authorisation (default value).
MANUALCapturing made by the merchant. Capture is normally initiated at time of delivery.
<Number>Delay in hours until the capture (whole number; 1 to 696).

KeyFormatCNDDescription
ReqId

ans..32

O

To avoid double payments / actions, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction / action is submitted again with the same ReqID, will not carry out the payment or new action, but will just return the status of the original transaction / action. Please note that the must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

Parameters for capturing a hire purchase with easyCredit

 

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KeyFormatCNDDescription

MID

ans..30

M

MerchantID, assigned by

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
Description

ans..1024

M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

KeyFormatCNDDescription
Code

n8

M

Error code according to  Response Codes (A4 Response codes)

Key

Format

CND

Description

Beschreibung

CodeExt

ans..1024

O

Error code from easyCredit, if agreed with

Fehlercode von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit, if agreed with

Fehlertext von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

Response parameters for capturing a hire purchase with easyCredit



Credit (notify a reversed transaction)

To notify a reversed transaction to easyCredit via a Server-to-Server connection, call the following URL:

 

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KeyFormatCNDDescription

MerchantID

ans..30

M

MerchantID, assigned by . Additionally this parameter has to be passed in plain language too.

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

Key

Format

CND

Description

Beschreibung

Amount

n..10

M

Amount in the smallest currency unit (e.g. EUR Cent)

Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit).

The minimum and maximal value for easyCredit is 200-5000€.

Betrag in der kleinsten Währungseinheit (z.B. EUR Cent).

Bitte wenden Sie sich an den Helpdesk, wenn Sie Beträge < 100 (kleinste Währungseinheit) buchen möchten.

Der Minimal- und Maximalbetrag bei easyCredit sind 200-5000 €.

KeyFormatCNDDescription
Currency

a3

M

Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table

KeyFormatCNDDescription

MAC

an64

M
Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here:

Key

Format

CND

Description

Beschreibung

Date

dttm

M

Date the merchant received the reversed transaction in the format YYYY-MM-DD

Datum, zu dem die Rückabwicklung vom Händler entgegengenommen wurde im Format JJJJ-MM-TT

Reason

enum

M

Reason for the reversed transaction. Possible entries are:

<WIDERRUF_VOLLSTAENDIG>

<WIDERRUF_TEILWEISE>

<RUECKGABE_GARANTIE_GEWAEHRLEISTUNG>

<MINDERUNG_GARANTIE_GEWAEHRLEISTUNG>

Grund für die Rückabwicklung. Mögliche Werte sind:

<WIDERRUF_VOLLSTAENDIG>

<WIDERRUF_TEILWEISE>

<RUECKGABE_GARANTIE_GEWAEHRLEISTUNG>

<MINDERUNG_GARANTIE_GEWAEHRLEISTUNG>

KeyFormatCNDDescription
ReqId

ans..32

O

To avoid double payments / actions, enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction / action is submitted again with the same ReqID, will not carry out the payment or new action, but will just return the status of the original transaction / action. Please note that the must have a finalized transaction status for the first initial action. Submissions with identical ReqID for an open status will be processed regularly.

Parameters for reverse of a hire purchase with easyCredit

 

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The table is being loaded. Please wait for a bit ...

KeyFormatCNDDescription

MID

ans..30

M

MerchantID, assigned by

KeyFormatCNDDescription
PayID

an32

M

ID assigned by for the payment, e.g. for referencing in batch files as well as for capture or credit request.

KeyFormatCNDDescription
XID

an32

M

ID for all single transactions (authorisation, capture, credit note) for one payment assigned by

KeyFormatCNDDescription
TransID

ans..64

MTransactionID provided by you which should be unique for each payment

KeyFormatCNDDescription
refnr

ans..30

O

Merchant’s unique reference number


The format depends on the available paymethods for your MerchantId. Please choose your format in that way that all paymethods are covered.

We recommend to use the most restrictive format for this parameter (AN12 - M) and create unique RefNr.



Additional information : Data reconciliation : Key Data

KeyFormatCNDDescription
Status

a..50

M

OK (URLSuccess) or FAILED (URLFailure)

KeyFormatCNDDescription
Description

ans..1024

M
Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis!

KeyFormatCNDDescription
Code

n8

M

Error code according to  Response Codes (A4 Response codes)

Key

Format

CND

Description

Beschreibung

CodeExt

ans..1024

O

Error code from easyCredit, if agreed with

Fehlercode von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

ErrorText

ans..1024

O

Error text from easyCredit, if agreed with

Fehlertext von easyCredit, wenn mit The page DE:Wording was not found  -- Please check/update the page name used in the MultiExcerpt-Include macro abgesprochen

Response parameters for reverse of a hire purchase with easyCredit