OP Online payments
Last updated: 12-Nov-2024
Overview
Checkout can be used to accept Op Online bank payments.
Integration options supported: Hosted payment page (HPP) or IFRAME.
This guide requires familiarity with Accepting payments.
Integrate Op Online Payments via Checkout
| Parameters | Type | Required | Description |
|---|---|---|---|
| currency_code | String | Yes | Supported currencies: EUR |
| amount | Integer | Yes | Transaction amount |
| customer | String | No | ID of a Customer created via the Customer API. A customer object can be created and attached to a Checkout |
| configurations.bank | Object | Yes | Object carrying the parameters required for making a Bank payment |
| dynamic_descriptor | String | No | Short text to be displayed on the bank statement of the cardholder. Support varies per Payment Contract |
| authorization_type | String | No | Authorization Type (FINAL_AUTH) |
| shopper_interaction | String | No | Enum: "ECOMMERCE" "MAIL". Indicates the channels used by the shopper to send the payment data for transactions |
| configurations.bank.op | Object | No | Object carrying the parameters required for OP Bank payments |
| payment_contract_id | String | Yes | This ID can be found in the portal or given to you by a Verifone employee. It is used to retrieve a merchant's OP bank credentials necessary for payment |
| multi_bank_payment_option | Boolean | No | Indicator for using OP partner banks (example: Nordea, Danske Bank, S-Pankki and others) |
Authorization and capture
You can use Op Online Payment transactions through the Checkout to do a sale transaction (authorization + capture in the same step).
Sending a checkout request using Op Online Payment method:
{
"currency_code": "EUR",
"entity_id": "466c5c59-5177-45c2-b9a7-41ac422ef1fa",
"customer": "deebacec-cd75-4ce5-9641-bfc40de5710d",
"configurations": {
"bank": {
"dynamic_descriptor": "Test Product",
"op" :{
"payment_contract_id": "98a003be-03f2-43c4-a89c-36021fa63635",
}
}
},
"amount": 4300,
"merchant_reference": "Test",
"return_url": "http://enbyhy7yz2lg98r.m.pipedream.net",
"interaction_type": "HPP"
}Handling responses
Whenever a bank to bank transaction is processed via the Checkout, the responses events include the following parameters:
Example of a successful OP Online payment via the Checkout:
[
{
"type": "SUBMITTED",
"id": "2207e3b4-3e6d-431f-82b3-08bdfd6f8f1b",
"timestamp": "2024-04-10T12:18:15.404Z"
},
{
"type": "TRANSACTION_INITIATED",
"id": "f06259a4-f58c-4ece-8c99-1be4b3759732",
"timestamp": "2024-04-10T12:18:16.394Z",
"details": {
"amount": 200,
"status": "INITIATED",
"id": "549b2e15-eb33-44eb-ac78-c66fdc7bae6b",
"payment_url": "https://api.smn-sandbox.aws.op-palvelut.fi/customer/payment/multibank/direct/BankoEnablado/startPaymentConfirmation?paymentOperationId=677699a8-93fc-47a0-9e06-160f1e28dd3de8086758-9805-441d-9690-a32c43a6149a&paymentOperationValidation=SCtHlnsISOSJ7FmkDRsLusQJ0lgkTcaOPAJmDWcG%2Bi8%3D",
"processor": "OP_ONLINE_PAYMENT",
"payment_product": "OP_ONLINE_PAYMENT"
}
},
{
"type": "TRANSACTION_SUCCESS",
"id": "9a6c3ffe-ce56-4cf5-8879-0f7ec2a31a84",
"timestamp": "2024-04-10T12:18:17.743Z",
"details": {
"id": "549b2e15-eb33-44eb-ac78-c66fdc7bae6b",
"processor_reference": null,
"status": "SETTLED",
"authorization_code": null,
"cvv_result": null,
"details": {
"mid": "230729"
},
"reason_code": null,
"rrn": null,
"stan": null,
"additional_data": {
"acquirer_response_code": null,
"initiator_trace_id": null
}
}
}
]Example of a failed OP Online payment via the Checkout:
[
{
"type": "SUBMITTED",
"id": "9b28e580-14e4-473d-b404-c5a6b05b4930",
"timestamp": "2024-04-10T12:19:53.760Z"
},
{
"type": "TRANSACTION_FAILED",
"id": "6a2e3da8-97fc-432b-a21b-24053bdfb1ba",
"timestamp": "2024-04-10T12:19:53.863Z",
"details": {
"error": {
"code": 400,
"details": {
"currencyCode": "must be one of the following values: EUR"
},
"timestamp": 1712751593845,
"message": "At least one parameter is invalid. Examine the details property for more information. Invalid parameters are listed and prefixed accordingly: body for parameters submitted in the requests body, query for parameters appended to the requests URL, and params for templated parameters of the requests URL."
},
"operation": "CREATE_ECOM_ORDER",
"service": "ECOM"
}
},
{
"type": "TRANSACTION_FAILED",
"id": "96d44ef8-74f6-4547-b53d-f4b3d9350b95",
"timestamp": "2024-04-10T12:19:53.867Z",
"details": {
"errors": [],
"service": "CO",
"code": 123,
"details": {
"error": {
"code": 400,
"details": {
"currencyCode": "must be one of the following values: EUR"
},
"timestamp": 1712751593845,
"message": "At least one parameter is invalid. Examine the details property for more information. Invalid parameters are listed and prefixed accordingly: body for parameters submitted in the requests body, query for parameters appended to the requests URL, and params for templated parameters of the requests URL."
},
"operation": "CREATE_ECOM_ORDER",
"service": "ECOM"
},
"name": "TRANSACTION_FAILED_ERROR",
"status": 400,
"timestamp": 1712751593862,
"traceId": null
}
}
]To ensure that the redirection request was not tampered with, always check that the transaction_id received as query parameter in the redirection matches the transaction_id property of the retrieved Checkout. If those are not matching, this is indication of either an incorrect integration, that the redirection to your return_url did not originate from Verifone, or transaction_id was tampered with.
You can now store the transaction_id value together with the order 1234 in your system to link the two together.
Scenarios
The table below describes the different outcomes of a Checkout. A full list of error codes is available.
| Description | Result | Merchant action |
|---|---|---|
| Failed transaction* | Redirect: checkout_id={checkout_id} & transaction_id={transaction_id} & errorCode=123 | Unsuccessful payment (technical reason), do not display order confirmation |
| Successful transaction | Redirect: checkout_id={checkout_id} & transaction_id={transaction_id} | Display order confirmation |
| Customer visits the URL of an already completed Checkout | Redirect: checkout_id={checkout_id} & errorCode=168 | Display corresponding message to the customer. Checkout is completed whenever there was a single successful payment processed through it |
| Customer visits the URL of an expired Checkout | Redirect: checkout_id={checkout_id} & errorCode=169 | Display corresponding message to the customer. Checkout is expired whenever the expiry_time is reached |
| Customer visits the URL of a Checkout which has reached the maximum of failed payment attempts | Redirect: checkout_id={checkout_id} & errorCode=165 | Display corresponding message to customer. Payments through a single Checkout can be attempted up to three times unsuccessfully |
| Form validation errors / Other service failures on the Checkout page | Displays error alert to Customer on the page | Customer is prompted to correct their form input and retry the payment or try using alternate card or payment method |
*** Failed transaction - Depending on which step in the payment process failed, the transaction_id might not always be present as the query parameter
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