Single merchant payments

Note! If you are a Platform (ak.a. BaaS Partner), please use the documentation here.

To create and execute single merchant payments that require redirection, you will need to call our Initiate Payment API. The purpose of this API is to receive commercial transactions to Your account. Before calling this API we strongly recommend selecting payment method (PIS – for payment initiation service, CARD – for card-related payments), provider (applicable only for PIS payment method) and language (all these parameters are optional) – to save clicks and steps for your customer.

For testing only. When testing requests in the stage environment, please note that not all providers support the frontend. We recommend selecting these details while testing:

1. For DE country and PIS method – Fake Bank with Client Keys (enter it in search), provider ID c3e4f215-dde4-4d0c-9a48-bc7274c90977 . Test credentials:
User: username
Password: secret
Confirmation code: 123456
2. For LT country and PIS method – Siauliu bankas, provider ID a7640cb7-4dec-4a44-a9ad-b918c803254e
3. For CARD payment method, use card No 4242424242424242 for success result and No 4539467987109256 for failed result.

If the request was successful, you will receive a response with HTTP code 201 and paymentId together with redirectUrl in the response body. You have to redirect your customer to redirectUrl to authorize a payment with their provider (bank or card issuer). Save paymentId for further status check.

"payment": {
    "paymentId": "07400128-60a9-47cc-8c99-924cb079a32b",
    "redirectUrl": "https://pay-stage.connectpay.com?key=c5781691-c81c-42f3-8290-ae11b07fe74c"
  }

You can see the full sequence diagram below:

After authorization within their bank or issuer, the Consumer will be redirected back to the widget and will be presented with payment status information. All commercial transactions require SCA for payments or 3DS authorization for card-related payments. Exemptions might be applied by the Consumer’s bank or Issuer.

Sometimes, the provider may not respond immediately with the final payment status information. In such cases, we will periodically check with the Provider for final status and update payment information. In the same way, you should periodically check payment status using the Get payment details API or you will receive a payment status notification if you have provided notificationUrl in the Initiate Payment API request. Notification have the same body as the Get payment details API response.

As a final step of the payment journey, by pressing the button Return to Merchant, Consumer will be redirected back to your website using the web address provided via redirectUrl parameter in the Payment Initiation API request.

Tip! Delivery of a payment might be different (not all providers support SEPA INST), please check providers and schemes they support here.