Difference between revisions of "Token payment"

From Barion Documentation
Jump to navigation Jump to search
m
m (The payment process)
Line 7: Line 7:
  
 
== The payment process ==  
 
== The payment process ==  
The process is divided to two major steps:
+
The process is divided into two major steps:
 
# [[#Creating the token|Creating the token]] that represents one of the customer's funding sources (credit card or e-money wallet)
 
# [[#Creating the token|Creating the token]] that represents one of the customer's funding sources (credit card or e-money wallet)
 
# [[#Using the token|Using the registered token]] to charge the customer
 
# [[#Using the token|Using the registered token]] to charge the customer

Revision as of 13:50, 10 February 2017

Token Payment

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!

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

Recurring.png

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 he or she is giving consent to a tokenized payment. The Barion pamyment 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.

Exmaple 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 od 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

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

To use an already registered token for a payment, you have to use the same /Payment/Start API endpoint but the InitiateRecurrence should be set to false. 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.

There is no amount limitation for the token payment and the payment scenarios could be changed as well for the token charge. This means that the token payment can be reservation even if the original payment was an immediate scenario.

Processing the response

The structure of the response is the same as the normal /Payment/Start response just the statuses will be different. In this case

  • the payment level Status will be Succeeded instead of Prepared
  • the transaction level Status will be Succeeded instead of Prepared
  • the RecurrenceResult will be Successful instead of None

Although this is an immediate response that indicates a successful charge the callback mechanism still will be in motion as well.

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 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.