Introduction

OKTO Cash is an e-voucher service that allows users to load their accounts that are held with a collaborating merchant safely, securely and in real-time, by paying in cash at a partnering point of sale (POS) system (such as a store or a market).

The solution enables users to pay for a product or a service online and then pay in cash at the nearest POS, by scanning a unique pay code (GS1 barcode or QR code).

Supported Countries

• Cyprus
• Greece
• Italy
• Romania

Supported Currencies

• EUR
• RON

Implementation Details

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{
  "sessionToken":"<sessionToken from getSessionToken>",
  "merchantId":"<your merchantId>",
  "merchantSiteId":"<your merchantSiteId>",
  "clientRequestId":"<unique request ID in merchant system>",
  "amount":"200",
  "currency":"EUR",
  "userTokenId":"<a user identifier>",
  "clientUniqueId":"<unique transaction ID in merchant system>",
  "paymentOption":{
    "alternativePaymentMethod":{
      "paymentMethod":"apmgw_OKTO_CASH"
    }
  },
  "billingAddress":{
    "country":"IT",
    "email":"anthony.rossi@email.com"
  },
  "deviceDetails":{
    "ipAddress":"127.0.0.1"
  },
  "userDetails":{
    "country":"US"
  },
  "timeStamp":"<YYYYMMDDHHmmss>",
  "checksum":"<calculated checksum>"
}

function main() {
   sfc.createPayment({
    sessionToken: sessionData.sessionToken,         		
     useDCC: document.getElementById('dccCheckbox').checked == true ? true : false,
     paymentOption : {        
   //	 	userPaymentOptionId: document.getElementById('UPOID').value,	
        alternativePaymentMethod: {
            paymentMethod: "apmgw_OKTO_CASH",
             // AccountNumber: document.getElementById("AccountNumber").value,
             // RoutingNumber: document.getElementById("RoutingNumber").value
            
        }},
   billingAddress: {
        country: "IT",
        email:"anthony.rossi@email.com",
    },
    deviceDetails  : {
        ipAddress  : "127.0.0.1"
    },
    userDetails  : {
        country  : "US"
    },
}, function(res) {
  console.log(res);
  });
}

For this APM, the following parameters are mandatory:

• userTokenId
• amount
• currency
• paymentOption.alternativePaymentMethod block containing:
  • paymentMethod: "apmgw_OKTO_CASH"
• deviceDetails block containing: ipAddress
• billingAddress block containing: country, email
• userDetails block containing: country

User Experience

1. From “Other Payment Methods, select “OKTO Cash”.
2. Agree to the Privacy Policy.
   
3. Enter the amount (Greece and Cyprus) or select the pre-defined amount (Italy and Romania) to be deposited.
   The user is redirected to a page with a barcode or QR code (Greece and Cyprus) or barcode (Italy and Romania).
   
4. Click the link to locate the nearest POS where the payment can be made.
   
5. The user goes the nearest POS location and presents the pay code.
6. The store merchant scans (or enters) the pay code.
7. After receiving the money from the user, the store merchant executes a deposit and the player’s Okto account is instantly credited with the amount.

Testing

The merchant should contact Nuvei to complete the deposit testing.