Token payment 3D Secure: Difference between revisions

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Line 112: Line 112:
const configuration = {
const configuration = {
     onAuthenticationSucceeded: function () {
     onAuthenticationSucceeded: function () {
         // 3DS authentication success callback
         // handle successful authentication by calling the Barion API via merchant's backend
         // this code is executed when the payer successfully authenticates with 3DS, e.g. enters the correct code he received in sms, or accepts the payment in the mobile app of the bank.
         // Call the v2/payment/complete endpoint
     },
     },
     onAuthenticationFailed: function () {
     onAuthenticationFailed: function () {
         // 3DS authentication failure callback
         // Handle unsuccessful authentication result, no charge was made.
         // this code is executed when the payer denies the 3DS authentication
         // The payment might be still valid only the authentication failed
     }
     }
}
}


const oneClick = new Barion.OneClick(configuration);
const gw= new Barion.OffsiteGw(configuration);
</source>
</source>


Revision as of 14:38, 16 November 2020

Token Payment 3D Secure

This payment scenario allows the integrator shop to register a customer (and a funding source) in the Barion system and then later on charge the customer without redirecting her to the Barion Payment Gateway UI. This means that the customer authorizes the shop to charge her card or Barion balance without typing in the card information or Barion login again.

Premium feature
This scenario is not allowed automatically for every approved shop and should be requested from Barion!

Types

Token payment can be used in two use cases:

  • when the user is present on the website of the merchant and she decides to pay :
    • OneClick payment: the user is charged upon her request initiated on the website of the merchant. This type of payment is subject to 3DS, the appropriate solutions should be implemented on the merchant's side (see below).
  • when the merchant initiates the payment without the user being present:
    • Recurring payment: the user is charged with the same amount on a regular basis. This type of payment is subject to 3DS, with exemption (meaning that challenge flow won't/can't be presented, but as much available data should be sent as possible)
    • MIT (merchant initiated transaction): the user is charged on an irregular basis and/or with diffreent amount. This type of payment is not subject to 3DS.

Prerequisites

To be able to integrate your webshop with the Barion Payment Gateway:

  • You must register a Barion wallet at the Barion website or in the Sandbox environment. Learn more about the Sandbox environment here.
  • For this wallet you have to create a shop which should be approved by Barion.
  • For every currency you plan to conduct payments in you have to make sure there is an account created in your Barion wallet. This means that if you plan to have USD payments then there should be a USD account created in your wallet.
  • To make sure every corner case scenario works for your webshop it is best to topup that account with a small amount (approx. 5-10EUR or your choice of currency around the same value).
  • For the technical communication guide please read this: Calling the API

The payment process

The process is divided into two major steps:

  1. Creating the token that represents one of the customer's funding sources (credit card or e-money wallet)
  2. Using the registered token to charge the customer

Creating the token

To be able to use a token payment scenario first we have to register the token with Barion. The token registration is basically a normal payment with two new properties in the Payment/Start request. This means that we have to make sure that the customer is well aware of the fact that they are giving consent to a tokenized payment. The Barion payment does not indicate in any way that the payment is a token payment.

The token is registered to the shop and not to the wallet. So if the Barion wallet has multiple shops registered the token can not be shared among them even if the customer is the same.

One of the properties is the InitiateRecurrence property. This is a bool property, if you set it to true then the payment gateway will consider the request as a token registration. This happens even if the customer is already has a registered token, so you are able to re-register a customer.

The other required property for a token registration is the token itself. This is generated by the shop and has to be unique for every registration. The token should be specified in the RecurrenceId property of the Payment/Start request. This token should be stored in the webshop database. Make sure that multiple tokens can belong to a single customer because the token is only unique for a specific shop, customer, funding source combination.

An already used RecurrenceId can be used for re-registration, in this case, the new funding source will be registered for the token.


Example JSON request

{
    "POSKey": "E31EC263-01DC-40BD-BDF1-38FC7A332434",
    "PaymentType": "Immediate",
    "PaymentRequestId": "EXMPLSHOP-PM-001",
    "InitiateRecurrence": true,
    "RecurrenceId": "SHOP-XMLP-TOKEN-ABC-123",
    "FundingSources": ["All"],
    "Currency": "EUR",
    "Transactions": [
        {
            "POSTransactionId": "EXMPLSHOP-PM-001/TR001",
            "Payee": "[email protected]",
            "Total": 25.2,
            "Comment": "Subsription fee for the first month",
            "Items": [
                {
                    "Name": "Website subscription",
                    "Description": "Website subscription for one month",
                    "Quantity": 1,
                    "Unit": "month",
                    "UnitPrice": 25.2,
                    "ItemTotal": 25.2,
                    "SKU": "EXMPLSHOP/SKU/PHC-01"
                }
            ]
        }
    ]
}

Customer selects funding source

After the proper payment preparation, the customer is redirected to the secure Barion gateway to choose between funding sources. The funding source the customer selects will be registered to the token. The funding source can either be an e-money wallet or a bank card. This means that even though the customer may own multiple cards only the one that was registered to the token can be used for future token payments. To change the funding source attached to the token a new registration should be requested.

Processing the response

The response is almost the same as to a basic Immediate scenario. The only difference is that there is the RecurrenceResult property that tells the result of the token registration. This could be either

  • Successful: the token is registered and live, can be used for payment
  • Failed: the token registration was not successful, the token can not be used
  • None: this could only happen if no token payment was requested

Displaying the funding source in a GUI

We strongly advise to save the complete response for future reference. The FundingSource field tells if the funding source is a Barion balance or a card. If it is a card, it is useful to save FundingInformation for displaying it for the user, when requesting future payments. The usual way to display funding sources is to show the last 4 digits of the card, with the rest represented by stars, eg: **** **** **** 1234. The card used can be obtained from FundingInformation's BankCard field. The CardType field can be used to display the appropriate card logo. You can even show, if the card is expired, and offer to register another one.

Possible error responses

Error code Description
RecurringPaymentNotAllowed The token payment is not allowed for the shop identified by the POSKey. Contact Barion to request this feature.

Using the token

Prerequisits

To be able to use a token, the original payment must be in a successful state. Depending on the type of the payment, 3DS might be required. 3DS is not required in the following cases:

  • the token was requested before 3DS came into effect
  • the original payment was not initialized by bank card

OneClick payment

Step 1 : Initialize oneClick

You have to include the following css and javascript files in the code of your site. These files include all the necessary javascript code and styling to handle the 3DS authentication and display the challenge if necessary. 

<link href="https://secure.barion.com/static/barion.oneclick.min.css" rel="stylesheet">
<script src="https://secure.barion.com/static/barion.oneclick.min.js"></script>

Then you have to initialize the Barion javascript client: 

const configuration = {
    onAuthenticationSucceeded: function () {
        // handle successful authentication by calling the Barion API via merchant's backend
        // Call the v2/payment/complete endpoint
    },
    onAuthenticationFailed: function () {
        // Handle unsuccessful authentication result, no charge was made.
        // The payment might be still valid only the authentication failed
    }
}

const gw= new Barion.OffsiteGw(configuration);

Step 2 : Make a payment

To use an already registered token for a payment, you have to call the same /Payment/Start API endpoint but the InitiateRecurrence should be set to false and the appropriate Recurrence Type should be sent. This tells the Barion API to use the token for payment instead of only registering it. The token should be specified in the RecurrenceId property along with the TraceId.

Example Payment/Start json request
{
    "POSKey": "E31EC263-01DC-40BD-BDF1-38FC7A332434",
    "PaymentType" : "Immediate",
    "PaymentRequestId": "EXMPLSHOP-PM-002",
    "InitiateRecurrence" : false,
    "RecurrenceType" : "OneClickPayment",
    "RecurrenceId" : "SHOP-XMLP-TOKEN-ABC-123",
    "TraceId" : "SHOP-XMLP-TRACEID-123",
    "FundingSources": ["All"],
    "Currency": "EUR",
    "Transactions": [
        {
            "POSTransactionId": "EXMPLSHOP-PM-002/TR002",
            "Payee": "[email protected]",
            "Total": 25.2,
            "Comment": "Subsription fee for the second month",
            "Items": [
                {
                    "Name": "Website subscription",
                    "Description": "Website subscription for one month",
                    "Quantity": 1,
                    "Unit": "month",
                    "UnitPrice": 25.2,
                    "ItemTotal": 25.2,
                    "SKU": "EXMPLSHOP/SKU/PHC-01"
                }
            ]
        }
    ]
}
Processing the Payment/Start response

To this request, the Barion API sends back the required data for the 3DS authentication for the specified paymentId.

Field name Description
PaymentId Payment Identifier of the purchase in Barion
ThreeDSAuthClientData basae64 encoded 3DS client data
Example Payment/Start response
{
    "PaymentId" : "dce46843-6266-4c1f-b82a-387e0fee9073",
    "ThreeDSAuthClientData" : "ewoJIkNhcmRQdWJsaWNJZCI6ICIxYTE5M2E1NDQzNDI0YjJiOGJiMjMyOGRhNWY4NmYzYiIsCgkiUGF5bWVudElkIjogImRjZTQ2ODQzNjI2NjRjMWZi
ODJhMzg3ZTBmZWU5MDczIiwKCSJPbmVDbGlja0NvbnRlbnRVcmwiOiAiaHR0cDovL3NlY3VyZS5iYXJpb24uY29tL3RocmVlZHMvb25lY2xpY2twYXltZW50IiwKCSJBQ1NTdGFydFByb3RvY29
sVmVyc2lvbiI6ICIyLjEuMCIsCgkiQUNTRW5kUHJvdG9jb2xWZXJzaW9uIjogIjIuMS4wIiwKCSJEU1N0YXJ0UHJvdG9jb2xWZXJzaW9uIjogIjIuMS4wIiwKCSJEU0VuZFByb3RvY29sVmVyc2
lvbiI6ICIyLjIuMCIsCgkiVGhyZWVEU1NlcnZlclRyYW5zSUQiOiBudWxsLAoJIlRocmVlRFNNZXRob2RVUkwiOiBudWxsLAoJIlRocmVlRFNNZXRob2REYXRhRm9ybSI6ICJleUowYUhKbFpVU
lRUV1YwYUc5a1RtOTBhV1pwWTJGMGFXOXVWVkpNSWpvaWFIUjBjSE02THk4elpITXVZbUZ5YVc5dUxtTnZiUzh6WkhNdmRqSXZNMlJ6TFcxbGRHaHZaQzF1YjNScFptbGpZWFJwYjI0aUxDSjBh
SEpsWlVSVFUyVnlkbVZ5VkhKaGJuTkpSQ0k2SWpFNE5URTJPR0kxTFRKalkyUXROR0kxWlMxaVlqWm1MVFUzTW1VM00yVTNNemt3TnlKOSIsCgkiRXJyb3JEZXRhaWxzIjogbnVsbCwKCSJWZXJ
zaW9uIjogIjIuMS4wIgp9Cg=="
}

Step 3: 3DS authentication & challenge

This data then should be passed onto the BarionThreeDSecure.startProcess method, which will do all the magic to authenticate and display the challenge (if needed). 

        $.ajax({
            url: "Url/Of/Your/Payment/Start",
            method: "POST",
            data: data,
            success: function (resp) {
               if (resp.ThreeDSAuthClientData != null && resp.ThreeDSAuthClientData !== "") {
                  oneClick.startProcess(resp.ThreeDSAuthClientData);
               } else {
                  if (resp.Errors === null || resp.Errors.length === 0) {
                     // success
                  }
               }
            }
         });

When the request is finished the appropriate callback is fired, the BarionClient was initialized with in Step 1. In case of successful authentication, you have to call our /Payment/CompletePayment endpoint, where the actual charge will happen.

Possible error responses

Error code Description
InvalidRecurrenceId The token specified in the RecurrenceId is invalid. Check if the token registration was successful.
RecurringPaymentDenied Something happened to the user since the token registration, either deleted, suspended, or blocked. The payment s not allowed in these cases.
InsufficientFunds If the original payment was with an e-money wallet and the customer doesn't have enough money to fulfill this charge this error happens.
OriginalPaymentWasntSuccessful This means that the token belongs to an originally unsuccessful payment so this token can not be used anymore. This could only happen if the original payment was financed with a credit card.
InvalidCurrency If the original payment was paid with e-money and the current token payment is in a currency that the wallet does not have an account in this error happens.
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