P2P Payment with Nuvei

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Overview

Nuvei offers new functionality to merchants operating person-to-person (P2P) payments, in which funds are pulled from one card account and subsequently pushed to another individual’s account. For example, loans from person to person.

P2P is currently available for pulling funds from a Visa card or a Mastercard card and pushing them to a Visa or Mastercard card. P2P does not support Google Pay and Apple Pay.

This guide describes how to implement P2P payments using Nuvei’s Server-to-Server REST API.

REST API Implementation

Nuvei has created a new single endpoint dedicated to P2P payment /p2pPayment that combines both pull and push functionality in a single request.

You only need to integrate into /p2pPayment.

If the push transaction is declined, the pull transaction is automatically reversed.

To begin using P2P AFT, contact Nuvei to configure your merchant account to use this feature.

This functionality is relevant for non-3DS payments, 3DS payments, and payments with external MPI.

For detailed instructions on each payment flow, refer to non-3D-Secure payment, 3D-Secure payment, and 3DS External MPI.

  1. To start the P2P payment flow, send the /getSessionToken request.
  2. In comparison to a regular payment flow, the /p2pPayment request is divided into two main classes:

senderDetails class containing:

    • userTokenId
    • paymentOption.card class containing: cardNumber, cardHolderName, expirationMonth, expirationYear, CVV, threeD, etc.
    • paymentOption.card.threeD class containing: methodCompletionInd, version, notificationURL, merchantURL, platformType, v2AdditionalParams, browserDetails, account, etc.
    • billingAddress class containing: firstName, lastName, address, etc.
    • deviceDetails class containing: ipAddress, etc.

recipientDetails class containing:

    • userTokenId
    • firstName
    • lastName
    • paymentOption.card class containing: cardNumber, cardHolderName, expirationMonth, expirationYear, CVV

Non-3D-Secure Payment

Example Non-3DS /p2pPayment Request
{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "currency":"USD",
  "amount":"100",
  "senderDetails":{
    "userTokenId":"<unique customer identifier in your system>",
    "paymentOption":{
      "card":{
        "cardNumber":"4000027891380961",
        "cardHolderName":"CL-BRW1",
        "expirationMonth":"12",
        "expirationYear":"25",
        "CVV":"217"
      }
    },
    "billingAddress":{
      "firstName":"John",
      "lastName":"Smith",
      "address":"22 Main Street",
      "cell":"6175553333",
      "phone":"6175551414",
      "zip":"02460",
      "city":"Botson",
      "country":"US",
      "state":"MA",
      "email":"[email protected]",
      "county":"Suffolk",
      "addressMatch":"N",
      "addressLine2":"Billing Addres Line 2",
      "addressLine3":"Billing Addres Line 3",
      "homePhone":"6175551414",
      "workPhone":"6175551414"     
    },
    "deviceDetails":{
      "deviceType":"TABLET",
      "deviceName":"iPad",
      "deviceOS":"iOS",
      "browser":"safari",
      "ipAddress":"<customer's IP address>"
    }
  },
  "recipientDetails":{
    "userTokenId":"<unique customer identifier in your system>",
    "firstName":"RecFirstName",
    "lastName":"RecLastName",
    "paymentOption":{
      "card":{
        "cardNumber":"4123407439043051",
        "cardHolderName":"Rec Cardname",
        "expirationMonth":"12",
        "expirationYear":"25",
        "CVV":"675"
      }
    }
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}
Example Non-3DS /p2pPayment Response
{
  "internalRequestId":707872868,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"850502379161961074",
  "merchantSiteId":"229708",
  "version":"1.0",
  "clientRequestId":"20230702155935",
  "sessionToken":"2a321522-5515-45d2-8f06-d392663a310e",
  "orderId":"374448258",
  "operationStatus":"APPROVED",
  "senderDetails":{
    "payment":{
      "userTokenId":"<unique request ID in merchant system>",
      "paymentOption":{
        "userPaymentOptionId":"90422508",
        "card":{
          "ccCardNumber":"4****1390",
          "bin":"476134",
          "last4Digits":"1390",
          "ccExpMonth":"12",
          "ccExpYear":"25",
          "acquirerId":"19",
          "cvv2Reply":"",
          "avsCode":"",
          "cardType":"Credit",
          "cardBrand":"VISA",
          "issuerBankName":"",
          "issuerCountry":"SG",
          "isPrepaid":"false",
          "threeD":{
            
          }
        },
        "paymentAccountReference":"f4iK2pnudYKvTALGdcwEzqj9p4"
      },
      "transactionStatus":"APPROVED",
      "gwErrorCode":0,
      "gwExtendedErrorCode":0,
      "issuerDeclineCode":"",
      "issuerDeclineReason":"",
      "transactionType":"Sale",
      "transactionId":"711000000024399711",
      "externalTransactionId":"",
      "authCode":"111426",
      "customData":"",
      "fraudDetails":{
        "finalDecision":"Accept"
      },
      "externalSchemeTransactionId":""
    }
  },
  "recipientPayoutDetails":{
    "userTokenId":"<unique request ID in merchant system>",
    "transactionStatus":"APPROVED",
    "gwErrorCode":0,
    "gwExtendedErrorCode":0,
    "userPaymentOptionId":"92210198",
    "externalTransactionId":"",
    "transactionId":"711000000024399712",
    "cardData":{
      "acquirerId":"19",
      "visaDirect":"NO"
    }
  }
}

3D-Secure v2 Payment

Example 3DS v2 /p2pPayment Request
{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "currency":"USD",
  "amount":"200",
  "senderDetails":{
    "relatedTransactionId":"<transactionId returned from initPayment>",
    "userTokenId":"<unique customer identifier in merchant system>",
    "paymentOption":{
      "card":{
        "cardNumber":"4000020951595032",
        "cardHolderName":"CL-BRW1",
        "expirationMonth":"12",
        "expirationYear":"25",
        "CVV":"217",
        "threeD":{
          "methodCompletionInd":"U",
          "version":"2.1.0",
          "notificationURL":"< notificationURL > ",
          "merchantURL":"<merchantURL>",
          "platformType":"02",
          "v2AdditionalParams":{
            "challengeWindowSize":"05"
          },
          "browserDetails":{
            "acceptHeader":"text/html,application/xhtml+xml",
            "ip":"192.168.1.11",
            "javaEnabled":"TRUE",
            "javaScriptEnabled":"TRUE",
            "language":"EN",
            "colorDepth":"48",
            "screenHeight":"400",
            "screenWidth":"600",
            "timeZone":"0",
            "userAgent":"Mozilla/5.0 (Windows NT 6.1; Win64; x64; rv:47"
          }
        }
      }
    },
    "billingAddress":{
      "country":"US",
      "email":"[email protected]"
    },
    "deviceDetails":{
      "ipAddress":"<customer's IP address>"
    }
  },
  "recipientDetails":{
    "userTokenId":"<unique customer identifier in merchant system>",
    "firstName":"RecFirstName",
    "lastName":"RecLastName",
    "paymentOption":{
      "card":{
        "cardNumber":"4761344136141390",
        "cardHolderName":"test cardholder details",
        "expirationMonth":"12",
        "expirationYear":"25",
        "CVV":"675"
      }
    }
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}
Example 3DS v2 /p2pPayment Response

In this case, the example below shows a response from the issuer with a transactionStatus: “REDIRECT“.

A “REDIRECT” response contains data used as the input values in the next step (3D-Secure Authentication Challenge).

For example, paymentOption.card.threeD.cReq shown in the example below. This is needed as input for 3D-Secure v2 challenges.

{
  "internalRequestId":707876068,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"850502379161961074",
  "merchantSiteId":"229708",
  "version":"1.0",
  "clientRequestId":"20230702161208",
  "sessionToken":"fce32c34-ccab-4267-ac58-427ba4a1fb0e",
  "orderId":"374448488",
  "operationStatus":"REDIRECT",
  "senderDetails":{
    "payment":{
      "userTokenId":"<unique customer identifier in merchant system>",
      "paymentOption":{
        "userPaymentOptionId":"91785768",
        "card":{
          "ccCardNumber":"4****5032",
          "bin":"400002",
          "last4Digits":"5032",
          "ccExpMonth":"12",
          "ccExpYear":"25",
          "acquirerId":"19",
          "cvv2Reply":"",
          "avsCode":"",
          "cardType":"Credit",
          "cardBrand":"VISA",
          "issuerBankName":"River Valley Credit Union",
          "issuerCountry":"GB",
          "isPrepaid":"false",
          "threeD":{
            "threeDFlow":"1",
            "acsUrl":"https://3dsn.sandbox.safecharge.com/ThreeDSACSEmulatorChallenge/api/ThreeDSACSChallengeController/ChallengePage?eyJub3RpZmljYXRpb25VUkwiOiJodHRwczovL2RvY3MubnV2ZWkuY29tLzNEc2ltdWxhdG9yL25vdGlmaWNhdGlvblVybC5waHAiLCJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImRlYTc1YThhLTk5YzctNDUzNS1iN2E0LWU3ODhkZDFmN2Y1NiIsImFjc1RyYW5zSUQiOiIyMjRkYjIwZi0yYzA5LTRmNWYtOTkyOS1lNDcwYTA3YWE2MjQiLCJkc1RyYW5zSUQiOiIyZGJjNWM0Zi1lM2Y2LTRkOTEtYjFiOC00ZTkwNzc4Y2Y2MGMiLCJkYXRhIjpudWxsLCJNZXNzYWdlVmVyc2lvbiI6IjIuMS4wIn0=",
            "eci":"7",
            "version":"2.1.0",
            "whiteListStatus":"",
            "cavv":"",
            "acsChallengeMandated":"Y",
            "cReq":"eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImRlYTc1YThhLTk5YzctNDUzNS1iN2E0LWU3ODhkZDFmN2Y1NiIsImFjc1RyYW5zSUQiOiIyMjRkYjIwZi0yYzA5LTRmNWYtOTkyOS1lNDcwYTA3YWE2MjQiLCJjaGFsbGVuZ2VXaW5kb3dTaXplIjoiMDUiLCJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIn0",
            "authenticationType":"01",
            "cardHolderInfoText":"",
            "sdk":{
              "acsSignedContent":"Rm5EQjc3Z0tzVmVNUTFiVXZmemM="
            },
            "result":"C",
            "acsTransID":"224db20f-2c09-4f5f-9929-e470a07aa624",
            "dsTransID":"2dbc5c4f-e3f6-4d91-b1b8-4e90778cf60c",
            "threeDReasonId":"",
            "isExemptionRequestInAuthentication":"0",
            "challengePreferenceReason":"12",
            "flow":"challenge",
            "acquirerDecision":"ExemptionRequest",
            "decisionReason":"NoPreference"
          }
        }
      },
      "transactionStatus":"REDIRECT",
      "gwErrorCode":0,
      "gwExtendedErrorCode":0,
      "issuerDeclineCode":"",
      "issuerDeclineReason":"",
      "transactionType":"Auth3D",
      "transactionId":"711000000024399820",
      "externalTransactionId":"",
      "authCode":"",
      "customData":"",
      "externalSchemeTransactionId":""
    }
  }
}
Example 3DS v2 /p2pPaymentRequest with Liability Shift
{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "clientRequestId": "<unique request ID in merchant system>",
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>",
  "currency": "USD",
  "amount": "200",
  "senderDetails": {
    "relatedTransactionId": "<transactionId returned from previous payment request>",
    "userTokenId": "<unique customer identifier in merchant system>",
    "paymentOption": {
      "card": {
        "cardNumber": "4000020951595032",
        "cardHolderName": "CL-BRW1",
        "expirationMonth": "12",
        "expirationYear": "25",
        "CVV": "217"
      }
    },
    "billingAddress": {
      "firstName": "John",
      "lastName": "Smith",
      "address": "22 Main Street",
      "city": "Boston",
      "country": "MA",
      "email": "[email protected]"
    },
    "deviceDetails": {
      "ipAddress": "<customer's IP address>"
    }
  },
  "recipientDetails": {
    "userTokenId": "<unique customer identifier in merchant system>",
    "firstName": "RecFirstName",
    "lastName": "RecLastName",
    "paymentOption": {
      "card": {
        "cardNumber": "4761344136141390",
        "cardHolderName": "test cardholder details",
        "expirationMonth": "12",
        "expirationYear": "25",
        "CVV": "675"
      }
    }
  }
}
Example 3DS v2 /p2pPaymentResponse with Liability Shift
{
  "internalRequestId":707876068,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"850502379161961074",
  "merchantSiteId":"229708",
  "version":"1.0",
  "clientRequestId":"20230702161208",
  "sessionToken":"fce32c34-ccab-4267-ac58-427ba4a1fb0e",
  "orderId":"374448488",
  "operationStatus":"REDIRECT",
  "senderDetails":{
    "payment":{
      "userTokenId":"<unique customer identifier in merchant system>",
      "paymentOption":{
        "userPaymentOptionId":"91785768",
        "card":{
          "ccCardNumber":"4****5032",
          "bin":"400002",
          "last4Digits":"5032",
          "ccExpMonth":"12",
          "ccExpYear":"25",
          "acquirerId":"19",
          "cvv2Reply":"",
          "avsCode":"",
          "cardType":"Credit",
          "cardBrand":"VISA",
          "issuerBankName":"River Valley Credit Union",
          "issuerCountry":"GB",
          "isPrepaid":"false",
          "threeD":{
            "threeDFlow":"1",
            "acsUrl":"https://3dsn.sandbox.safecharge.com/ThreeDSACSEmulatorChallenge/api/ThreeDSACSChallengeController/ChallengePage?eyJub3RpZmljYXRpb25VUkwiOiJodHRwczovL2RvY3MubnV2ZWkuY29tLzNEc2ltdWxhdG9yL25vdGlmaWNhdGlvblVybC5waHAiLCJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImRlYTc1YThhLTk5YzctNDUzNS1iN2E0LWU3ODhkZDFmN2Y1NiIsImFjc1RyYW5zSUQiOiIyMjRkYjIwZi0yYzA5LTRmNWYtOTkyOS1lNDcwYTA3YWE2MjQiLCJkc1RyYW5zSUQiOiIyZGJjNWM0Zi1lM2Y2LTRkOTEtYjFiOC00ZTkwNzc4Y2Y2MGMiLCJkYXRhIjpudWxsLCJNZXNzYWdlVmVyc2lvbiI6IjIuMS4wIn0=",
            "eci":"7",
            "version":"2.1.0",
            "whiteListStatus":"",
            "cavv":"",
            "acsChallengeMandated":"Y",
            "cReq":"eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6ImRlYTc1YThhLTk5YzctNDUzNS1iN2E0LWU3ODhkZDFmN2Y1NiIsImFjc1RyYW5zSUQiOiIyMjRkYjIwZi0yYzA5LTRmNWYtOTkyOS1lNDcwYTA3YWE2MjQiLCJjaGFsbGVuZ2VXaW5kb3dTaXplIjoiMDUiLCJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIn0",
            "authenticationType":"01",
            "cardHolderInfoText":"",
            "sdk":{
              "acsSignedContent":"Rm5EQjc3Z0tzVmVNUTFiVXZmemM="
            },
            "result":"C",
            "acsTransID":"224db20f-2c09-4f5f-9929-e470a07aa624",
            "dsTransID":"2dbc5c4f-e3f6-4d91-b1b8-4e90778cf60c",
            "threeDReasonId":"",
            "isExemptionRequestInAuthentication":"0",
            "challengePreferenceReason":"12",
            "flow":"challenge",
            "acquirerDecision":"ExemptionRequest",
            "decisionReason":"NoPreference"
          }
        }
      },
      "transactionStatus":"REDIRECT",
      "gwErrorCode":0,
      "gwExtendedErrorCode":0,
      "issuerDeclineCode":"",
      "issuerDeclineReason":"",
      "transactionType":"Auth3D",
      "transactionId":"711000000024399820",
      "externalTransactionId":"",
      "authCode":"",
      "customData":"",
      "externalSchemeTransactionId":""
    }
  }
}

External MPI P2P Payment

If you use an external 3D-Secure MPI (Merchant Plugin) provider to process your 3D-Secure authentications, then you can use the 3D-Secure authentication values received from them to complete the payment processing with Nuvei. For details, refer to 3DS External MPI.

To process a P2P payment, send a /p2pPayment request and include the relevant 3D-Secure authentication values received from the external MPI provider in an externalMpi class (located under senderDetails.paymentOption.card.threeD) as shown in the example below.

Example of External MPI /p2pPayment Request
{
  "sessionToken":"<sessionToken from /getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "currency":"USD",
  "amount":"100",
  "senderDetails":{
    "userTokenId":"<unique customer identifier in merchant system>",
    "paymentOption":{
      "card":{
        "cardNumber":"4000020951595032",
        "cardHolderName":"CL-BRW1",
        "expirationMonth":"12",
        "expirationYear":"25",
        "CVV":"217",
        "threeD":{
          "externalMpi":{
            "eci":"5",
            "threeDProtocolVersion":"2",
            "cavv":"ejJRWG9SWWRpU2I1M21DelozSXU=",
            "dsTransID":"d8dd306c-8fb5-4590-bb35-3131516b2b00"
          }
        }
      }
    },
    "billingAddress":{
      "country":"US",
      "email":"[email protected]"
    },
    "deviceDetails":{
      "ipAddress":"<customer's IP address>"
    }
  },
  "recipientDetails":{
    "userTokenId":"blkakadsf",
    "firstName":"RecFirstName",
    "lastName":"RecLastName",
    "paymentOption":{
      "userPaymentOptionId":"<ID of a previously stored payment option>"
    }
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}
Example of External MPI /p2pPayment Response
{
  "internalRequestId":707900128,
  "status":"SUCCESS",
  "errCode":0,
  "reason":"",
  "merchantId":"850502379161961074",
  "merchantSiteId":"229708",
  "version":"1.0",
  "clientRequestId":"20230702170739",
  "sessionToken":"928f043d-6083-44e1-a528-aae1422c058d",
  "orderId":"374454148",
  "operationStatus":"APPROVED",
  "senderDetails":{
    "payment":{
      "userTokenId":"GabiTest90811",
      "paymentOption":{
        "userPaymentOptionId":"92212638",
        "card":{
          "ccCardNumber":"4****5032",
          "bin":"400002",
          "last4Digits":"5032",
          "ccExpMonth":"12",
          "ccExpYear":"25",
          "acquirerId":"19",
          "cvv2Reply":"",
          "avsCode":"",
          "cardType":"Credit",
          "cardBrand":"VISA",
          "issuerBankName":"River Valley Credit Union",
          "issuerCountry":"GB",
          "isPrepaid":"false",
          "threeD":{
            "eci":"5",
            "whiteListStatus":"",
            "cavv":"ejJRWG9SWWRpU2I1M21DelozSXU=",
            "result":"",
            "acsTransID":"",
            "dsTransID":"d8dd306c-8fb5-4590-bb35-3131516b2b00",
            "threeDReasonId":"",
            "challengeCancelReasonId":"",
            "challengeCancelReason":"",
            "isLiabilityOnIssuer":"1",
            "challengePreferenceReason":""
          }
        }
      },
      "transactionStatus":"APPROVED",
      "gwErrorCode":0,
      "gwExtendedErrorCode":0,
      "issuerDeclineCode":"",
      "issuerDeclineReason":"",
      "transactionType":"Sale",
      "transactionId":"711000000024401007",
      "externalTransactionId":"",
      "authCode":"111197",
      "customData":"",
      "fraudDetails":{
        "finalDecision":"Accept"
      },
      "externalSchemeTransactionId":""
    }
  },
  "recipientPayoutDetails":{
    "userTokenId":"blkakadsf",
    "transactionStatus":"APPROVED",
    "gwErrorCode":0,
    "gwExtendedErrorCode":0,
    "userPaymentOptionId":"90420488",
    "externalTransactionId":"",
    "transactionId":"711000000024401008",
    "cardData":{
      "acquirerId":"19",
      "visaDirect":"NO"
    }
  }
}

DMNs

After the transaction is processed, the merchant receives a DMN (sent to the notificationUrl parameter you can provide in the request), which includes the result of the transaction.

Sale Transaction DMN

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=39161731&userid=W00E6LPTDRWA&merchant_unique_id=695701003&customData=Custom+Data+Inserted+By+Darin%21&productId=NA&first_name=Zilsijihrw&last_name=Jgethizxrr&email=mhsbg.xxnbx%40udapl.rg&currency=EUR&clientUniqueId=695701003&cardType=Credit&isPrepaid=false&cardIssuerCountry=GB&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=340689+Billing+Str.&address2=&country=Brazil&state=&city=Billing+City&zip=48957&phone1=359888526527&phone2=&phone3=&client_ip=FE80%3A0000%3A0000%3A0000%3A0202%3AB3FF%3AFE1E%3A8329&nameOnCard=CL-BRW1&cardNumber=4****1010&bin=410923&noCVV=&acquirerId=103&acquirerBank=Nuvei+Acquirer+-+Visa&expMonth=12&expYear=25&Token=cAAxAG8AMABQAEYARgBuADAAZAAwAEYAbgB2AFkANAB1AEsAOABdAHwAYABzAEUANAArAFoAbwBQAHMAKwBkAFoAPQBvAFkAMwBxAHUAdAAxAEYAUAA1ACwAJgBOAGMALgAyAHYAMwA%3D&tokenId=68121598&AuthCode=090309&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=126006&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=cc_card&ID=&merchant_id=2502136204546424962&responseTimeStamp=2023-05-15.20%3A33%3A32&buyButtonProductId=&webMasterId=BRT1MU83D0C4&appliedPromotions=&uniqueCC=rrRSfZ%2Bc8L4EILxuj2y%2BZIgzc88%3D&transactionType=Sale&externalEmail=&cardCompany=Visa&user_token_id=W00E6LPTDRWA&userPaymentOptionId=2152911161&TransactionID=2110000000009448586&externalAccountDescription=nameOnCard%3ACL-BRW1&finalFraudDecision=Accept&fraudScore=0&totalAmount=10.23&dynamicDescriptor=Darin+Cashier+API&item_name_1=NA&item_number_1=&item_amount_1=10.23&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&upoRegistrationDate=20230515&type=DEPOSIT&clientRequestId=BE0E0XA5I&relatedTransactionId=&recipientFirstName=RecFirstName&recipientLastName=RecLastName&lastFourDigits=1010&responsechecksum=8a6f462bbfae75cb2cc8fe6211ce31bb&advanceResponseChecksum=a9911976f1ce14f4f09c514687ea6bb8',

Credit Transaction DMN

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=39161751&userid=UA4C9QTFSBFH&merchant_unique_id=695701003&customData=Custom+Data+Inserted+By+Darin%21&productId=&first_name=&last_name=&email=&currency=EUR&clientUniqueId=695701003&cardType=Credit&isPrepaid=false&cardIssuerCountry=HK&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=Rec+Cardname&cardNumber=4****2837&bin=476118&noCVV=&acquirerId=103&expMonth=12&expYear=25&Token=ZgBlAG8ARgBQAEYARgAwAG4ARgBGAG4AMAA5ADAANABXAGQAdwBMAEgAXwAvAD4ALAAzAHkAagAwADMAaAB7AG4AbABwADwAUgBdAC4ASgBbACsALQBwADYAUABtAGsAQQB0ACMAMwA%3D&tokenId=235679744&AuthCode=038500&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=126006&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=cc_card&ID=&merchant_id=2502136204546424962&responseTimeStamp=2023-05-15.20%3A33%3A35&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=2PPBmpX%2B13hTjulYHScnWlxr4G8%3D&transactionType=Credit&externalEmail=&cardCompany=Visa&user_token_id=UA4C9QTFSBFH&userPaymentOptionId=2152911151&TransactionID=2110000000009448587&externalAccountDescription=nameOnCard%3ARec+Cardname&totalAmount=10.23&dynamicDescriptor=Darin+Cashier+API&feeAmount=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&upoRegistrationDate=20230515&type=DEPOSIT&clientRequestId=BE0E0XA5I&relatedTransactionId=&lastFourDigits=2837&responsechecksum=0cbe6a8e6f93e3802b428d434e3cfea1&advanceResponseChecksum=a0b742c0d77829f736053e9fa001f8c9',

Void Transaction DMN

...'ppp_status=OK&Status=APPROVED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=0&errScDescription=&Reason=&ReasonCode=0&PPP_TransactionID=39161791&userid=DCOR9SJ5KRO3&merchant_unique_id=695701003&customData=Custom+Data+Inserted+By+Darin%21&productId=NA&first_name=Zilsijihrw&last_name=Jgethizxrr&email=mhsbg.xxnbx%40udapl.rg&currency=EUR&clientUniqueId=695701003&cardType=Credit&isPrepaid=false&cardIssuerCountry=GB&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=340689+Billing+Str.&address2=&country=Brazil&state=&city=Billing+City&zip=48957&phone1=359888526527&phone2=&phone3=&client_ip=FE80%3A0000%3A0000%3A0000%3A0202%3AB3FF%3AFE1E%3A8329&nameOnCard=CL-BRW1&cardNumber=4****1010&bin=410923&noCVV=&acquirerId=103&expMonth=12&expYear=25&Token=MgBHAFEAUAAwAEYAUAAwAFAAbgBGAEYAUAA2ADUAbgBKAGwAbgBwADEANQA1AHAAKwA1AHkAOgBhACkAJwBEAG4AbQBaADMAUwBqAGQAbQA%2BAG8AVQA0AEIAZgBpACkAWQAoAFQAMwA%3D&tokenId=1607873278&AuthCode=062747&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=126006&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=cc_card&ID=&merchant_id=2502136204546424962&responseTimeStamp=2023-05-15.21%3A03%3A36&buyButtonProductId=&webMasterId=YHXQX0MZIC2E&appliedPromotions=&uniqueCC=rrRSfZ%2Bc8L4EILxuj2y%2BZIgzc88%3D&transactionType=Void&externalEmail=&cardCompany=Visa&user_token_id=DCOR9SJ5KRO3&userPaymentOptionId=2152911201&TransactionID=2110000000009448605&externalAccountDescription=nameOnCard%3ACL-BRW1&totalAmount=10.23&dynamicDescriptor=MerchantSiteRestApiDescriptorDarin&item_name_1=NA&item_number_1=&item_amount_1=10.23&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&houseNumber=&customCurrency=&externalToken_blockedCard=&externalToken_cardAcquirerId=&externalToken_cardAcquirerName=&externalToken_cardBin=&externalToken_cardBrandId=&externalToken_cardBrandName=&externalToken_cardExpiration=&externalToken_cardLength=&externalToken_cardMask=&externalToken_cardName=&externalToken_cardTypeId=&externalToken_cardTypeName=&externalToken_clubName=&externalToken_creditCompanyId=&externalToken_creditCompanyName=&externalToken_extendedCardType=&externalToken_Indication=&externalToken_tokenValue=&externalToken_tokenProvider=&ECIRaw=&upoRegistrationDate=20230516&type=DEPOSIT&clientRequestId=A3D9BK2TU&relatedTransactionId=2110000000009448603&lastFourDigits=1010&responsechecksum=5f139839f84de0faf06ede8966ce4523&advanceResponseChecksum=a3aa9a2a0f0b587b4717318ff56f8bf0',

P2P Payment Scenarios

There are five possible scenarios of the P2P payment.

P2P payment and payout status is “approved”
  1. Full payment is performed.
  2. P2P response includes:
    • Under the senderDetails.payment class, transactionStatus: “approved”
    • Under therecipientPayoutDetails class, transactionStatus: “approved”
    • In the root transactionStatus: “approved”
  3. Two DMNs are sent: a DMN for the payment transaction and a DMN for the payout transaction.
  4. In the Control Panel, two transactions are presented: payment and payout.
P2P payment status is “approved” and payout status is “declined”
  1. P2P response includes:
    • Under the senderDetails.payment class, transactionStatus: “approved”
    • Under the senderDetails.voidTransaction class, transactionStatus: “approved”
    • Under the recipientPayoutDetails class, transactionStatus: “decline”
    • In the root transactionStatus: “declined”
  2. Three DMNs is sent: a DMN for the payment transaction and a DMN for the payout and for the void transaction.
  3. In the  Control Panel three transactions is presented: payment, payout, and a void.
P2P payment status is “declined”
  1. P2P response includes:
    • Under the senderDetails.payment class, transactionStatus: “declined”
    • recipientPayoutDetails class is not returned in the response.
    • In the root transactionStatus: “declined”
  2. One DMN is sent: a DMN for the payment transaction.
  3. In the  Control Panel only  a payment transaction is presented.
P2P payment status is “approved” and payout status is “error”
  1. P2P response includes:
    • Under the senderDetails.payment class, transactionStatus: “approved”
    • Under senderDetails.voidTransaction class, transactionStatus: “approved”
    • Under the recipientPayoutDetails class, transactionStatus: “error”
    • In the root transactionStatus: “error”
  2. Three DMN is sent: DMN for the payment transaction and a DMN for the payout and for the void transaction.
  3. In the  Control Panel three transactions is presented: payment, payout and a void.
P2P payment status is “error”
  1. P2P response includes:
    • Under the senderDetails.payment class, transactionStatus: “error”
    • recipientPayoutDetails class is not returned in the response
    • In the root transactionStatus: “error”
  2. One DMN is sent: a DMN for the payment transaction.
  3. In the  Control Panel one transactions is presented: payment.
Last update iconLast modified September 2024