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Attributes

METHOD TYPEBNPL
PAYMENTS
PAYOUTS
REFUNDS
RECURRING

Introduction

Clearpay is an Australian financial technology company. It provides merchants with a “buy now, pay later” service that does not require customers to enter a traditional loan or pay upfront fees or interest. Consumers pay for their purchases in 4 easy payments over a total of 6 weeks, with zero interest when paid on time.

With Clearpay, users gain access to a large and growing segment of consumers who are increasingly using buy now, pay later options as a flexible alternative to credit cards. Best of all, you’re immediately paid in full for each purchase, and are protected against fraud and consumer payment risk.

Supported Countries

Supported Currencies

Payment (Deposit) Flow

Follow these steps to perform a payment using Nuvei REST API integration:

1. Generate a `sessionToken`

Press here for details.

2. Send a `/payment` Request

Perform the payment by sending a /payment request with its mandatory parameters including:

userTokenId
amount
currency
paymentOption.alternativePaymentMethod class containing:
- paymentMethod: “apmgw_Clearpay“
deviceDetails class containing: ipAddress
billingAddress class containing: firstName, lastName, country, email, address, city, state, zip
userDetails class containing: firstName, lastName, country, email, address, city, state, zip

If the shippingaddress class is sent in an APM payment request, then only the following parameters are included: firstName, lastName, address, zip, city, country, state, streetNumber, companyName.

A Marketplace merchant must include the addendums.marketplace class in the /payment request. Press here for details. A Marketplace merchant can submit /payment requests that include an addendums.marketplace class with multiple stores (submerchants).

Example `/payment` Request

{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"200",
  "currency":"USD",
  "userTokenId":"<unique customer identifier in merchant system>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_Clearpay"
    }
  },
  "deviceDetails":{
    "ipAddress":"<customer's IP address>"
  },
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "address": "22 Main Street",
    "city": "Leicester",
    "zip": "LE1 1AJ ",
    "state": "LEI",
    "country": "GB",
    "email": "[email protected]"
  },
  "userDetails":{
    "firstName": "John",
    "lastName": "Smith",
    "address": "22 Main Street",
    "city": "Leicester",
    "zip": "LE1 1AJ ",
    "state": "LEI",
    "country": "GB",
    "email": "[email protected]"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

The response generates and returns a redirect URL (redirectUrl) to redirect the customer to the payment page, as well as a UPO (userPaymentOptionId) for use in future transactions.

Example `/payment` Response

{
  "orderId":"341413598",
  "userTokenId":"Usertoken01",
  "paymentOption":{
    "redirectUrl":"https://apitest.nuvei.com/Home?PaymentToken=F355F191C8B97D1D3B8453B283258C66.13560826",
    "userPaymentOptionId":"83246818",
  },
  "transactionStatus":"REDIRECT",
  "sessionToken":"f43d774a-a180-4935-bbc1-1315bb4dc203",
  "internalRequestId":549917488,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"2439523627382132721",
  "merchantSiteId":"224428",
  "version":"1.0",
  "clientRequestId":"20221104131500"
}

After the transaction is processed, Nuvei sends a Direct Merchant Notification (DMN) that includes the result of the transaction to the URL provided in urlDetails.notificationUrl, which Nuvei recommends including in the /payment request.

Example `/payment` DMN with `status`=APPROVED

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=346641898&userid=UT_1007&merchant_unique_id=&customData=&productId=&first_name=John&last_name=Smith&email=accountholder0%40example.com&currency=GBP&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=22+Main+Street&address2=&country=United+Kingdom&state=LEI&city=Leicester&zip= LE1+1AJ&phone1=2014177692&phone2=&phone3=&client_ip=104.162.79.210&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Nuvei-PI&expMonth=&expYear=&Token=&tokenId=&AuthCode=&AvsCode=&Cvv2Reply=&shippingCountry=&shippingState=&shippingCity=&shippingAddress=&shippingZip=&shippingFirstName=&shippingLastName=&shippingPhone=&shippingCell=&shippingMail=&total_discount=0.00&total_handling=0.00&total_shipping=0.00&total_tax=0.00&buyButtonProductBundleId=&merchant_site_id=224428&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Clearpay&ID=&merchant_id=2439523627382132721&responseTimeStamp=2022-12-13.14%3A50%3A35&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=UT_1007&userPaymentOptionId=84776198&TransactionID=811000000000312769&externalTransactionId=14599399&APMReferenceID=AC3C5B7D70792D56AB6A6A01078331C0&orderTransactionId=1171199358&totalAmount=207.00&dynamicDescriptor=test&item_name_1=NA&item_number_1=&item_amount_1=207.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20221208&type=DEPOSIT&clientRequestId=20221213094850&relatedTransactionId=&sessionId=bf545930e4edb9dab11f9fd307d3&responsechecksum=dc7043f724a5207b9b3f7db5d5a984a479f130a85428ca1add15d3fc6fb2d42f&advanceResponseChecksum=f267dc5bf3d5b2ad8cd506ecb39283ee1f3f482406376c00b5ffb48e190425d8',

User Experience

Registered User

The user is redirected to the Clearpay website.
The user enters their password and presses Continue.
The user enters their password and presses Continue.
The user confirms the order.

A confirmation message is displayed.

New User

The user enters their password.
The user enters their mobile number (valid for that country) and presses Continue.
The user enters their details:
- Email
- Date of Birth
- Address (valid for that country)
The user enters the verification code received:
The user enters their card payment information and presses Continue.
- Card Number
- Card expiry MM/YY
- CVV Code
The user enters their payment schedules and confirms the order.

A confirmation message is displayed.

Testing

Email: [email protected]
pass: Webmaster501

Also, you can create your testing accounts, same as above, by using a new email with a unique phone number.

Required verification PIN is: 111111
Test cards:
4111 1111 1111 1111 , 01/22 , CVV 000 for capture approved.
4111 1111 1111 1111 , 01/22 , CVV 051, capture declined.

Multi-store Marketplace Addendum

A Marketplace merchant can submit /payment requests that include an addendums.marketplace class with multiple stores (submerchants).

Example `addendum.marketplace` Class with Multiple Stores

{
  "addendums": {
    "marketplace": {
      "description": "new market place",
      "sellerInfo": [
        {
          "uniqueAccountIdentifierSeller": {
            "phone": "12121231242",
            "email": "[email protected]",
            "other": "passthrough data"
          },
          "subMerchantId": "1234567890qwertyuiopasdfg",
          "subMerchantName": "Marketbrick Ltd.",
          "subMerchantPostalCode": "11010",
          "productCategory": "Computers",
          "productName": "Acer 5400",
          "sellerRating": "4.5",
          "accountRregistrationDate": "2020-06-10T12:02:21Z",
          "numberOfTrades": "34",
          "volumeOfTrades": "4500",
          "uniqueAccountIdentifier": {
            "email": "[email protected]",
            "personalNumber": "6175553333",
            "other": "passthrough data"
          },
          "accountLastModified": {
            "password": "2020-06-10T12:02:21Z",
            "email": "2020-06-10T12:02:21Z",
            "listing": "2020-06-10T12:02:21Z",
            "login": "2020-06-10T12:02:21Z",
            "address": "2020-06-10T12:02:21Z"
          }
        },
        {
          "subMerchantId": "9876543210sjuwytcndflpss",
          "subMerchantName": "Marketstore Ltd.",
          "subMerchantPostalCode": "54321",
          "productCategory": "Pet Food",
          "productName": "Purina Puppy Chow",
          "sellerRating": 3.4,
          "accountRregistrationDate": "2020-06-10T12:02:21Z",
          "numberOfTrades": 3,
          "volumeOfTrades": 2,
          "uniqueAccountIdentifier": {
            "email": "[email protected]",
            "personalNumber": "6175551414",
            "other": "passthrough data"
          },
          "accountLastModified": {
            "password": "2020-06-10T12:02:21Z",
            "email": "2020-06-10T12:02:21Z",
            "listing": "2020-06-10T12:02:21Z",
            "login": "2020-06-10T12:02:21Z",
            "address": "2020-06-10T12:02:21Z"
          }
        }
      ],
      "marketplaceConsumerInfo": [
        {
          "accountRegistrationDate": "2020-06-10T12:02:21Z",
          "numberOfTrades": 2,
          "volumeOfTrades": 12,
          "uniqueAccountIdentifier": {
            "email": "[email protected]",
            "personalNumber": "+33623232323",
            "other": "passthrough data"
          },
          "accountLastModified": {
            "password": "2020-06-10T12:02:21Z",
            "email": "2020-06-10T12:02:21Z",
            "listing": "2020-06-10T12:02:21Z",
            "login": "2020-06-10T12:02:21Z",
            "address": "2020-06-10T12:02:21Z"
          }
        }
      ]
    }
  }
}

Clearpay