Introduction

Skrill (formerly known as Moneybookers) is a well-known eWallet brand worldwide and highly popular in the gaming, forex and gambling industries. Skrill acquired Paysafecard in 2013 to extend its services with prepaid cards. This payment method is accessible in nearly 200 countries with over 40 million account holders. Skrill is part of the Paysafe Group that includes other companies, such as Neteller and Paysafecard.

Supported Countries

• Angola
• Antarctica
• Benin
• Botswana
• Burkina Faso
• Burundi
• Cameroon
• Cape Verde
• Comoros
• Djibouti
• Equatorial Guinea
• Eritrea
• Ethiopia
• Gabon
• Gambia
• Ghana
• Guinea
• Kenya
• Lesotho
• Liberia
• Madagascar
• Malawi
• Mali
• Mauritania
• Mauritius
• Mozambique
• Namibia
• Niger
• Nigeria
• Reunion
• Senegal
• South Africa
• Swaziland
• Togo
• Uganda
• Zambia
• Falkland Islands
• Tanzania
• South Georgia and South Sandwich Islands
• Indonesia
• Kiribati
• Macau
• Malaysia
• Maldives
• Nepal
• New Caledonia
• New Zealand
• Niue
• Australia
• Papua New Guinea
• Philippines
• Samoa
• Singapore
• Solomon Islands
• Sri Lanka
• Taiwan
• Thailand
• Bangladesh
• Vanuatu
• Vietnam
• Bhutan
• Cambodia
• British Indian Ocean Territory
• China
• Cook Islands
• Guam
• Hong Kong
• Kazakhstan
• Kyrgyzstan
• Laos
• Marshall Islands
• Brunei
• Mongolia
• Nauru
• Pakistan
• Palau
• South Korea
• Tajikistan
• Turkmenistan
• Uzbekistan
• Christmas Island
• Timor-Leste
• Fiji
• French Polynesia
• India
• Czech Republic
• Denmark
• Estonia
• Faroe Islands
• Finland
• France
• Georgia
• Germany
• Gibraltar
• Greece
• Andorra
• Guernsey
• Hungary
• Iceland
• Ireland
• Isle of Man
• Italy
• Jersey
• Latvia
• Liechtenstein
• Lithuania
• Austria
• Luxembourg
• Macedonia
• Malta
• Monaco
• Montenegro
• Netherlands
• Norway
• Poland
• Portugal
• Romania
• Belarus
• Russia
• San Marino
• Serbia
• Slovakia
• Slovenia
• Spain
• Svalbard and Jan Mayen Islands
• Sweden
• Switzerland
• Turkey
• Belgium
• Ukraine
• United Kingdom
• Albania
• Armenia
• Moldova
• Aland Islands
• Bosnia-Herzegovina
• Bulgaria
• Croatia
• Cyprus
• Chile
• Colombia
• Costa Rica
• Dominica
• Dominican Republic
• Ecuador
• El Salvador
• French Guiana
• Grenada
• Guadeloupe
• Anguilla
• Guatemala
• Guyana
• Honduras
• Jamaica
• Martinique
• Mexico
• Nicaragua
• Panama
• Paraguay
• Peru
• Uruguay
• Suriname
• Puerto Rico
• Argentina
• Aruba
• Barbados
• Bolivia
• Brazil
• Saint Pierre and Miquelon
• Trinidad and Tobago
• Algeria
• Bahrain
• Egypt
• Israel
• Bahamas
• Jordan
• Kuwait
• Morocco
• Oman
• Qatar
• Saudi Arabia
• Tunisia
• United Arab Emirates
• Bermuda
• Azerbaijan
• Iraq
• Libya
• Canada
• Saint Thomas
• Saint Vincent
• Cayman Islands
• Greenland
• Montserrat
• Saint Kitts and Nevis

Supported Currencies

• EUR
• USD
• GBP
• CAD
• MYR
• HUF
• SGD
• THB
• PLN
• CZK
• BGN
• AUD
• NZD
• HRK
• DKK
• HKD
• INR
• JOD
• KRW
• LVL
• LTL
• NOK
• OMR
• QAR
• RON
• RUB
• SAR
• RSD
• ZAR
• SEK
• CHF
• TWD
• TRY
• AED
• EEK
• ISK
• SKK
• MAD
• JPY
• ILS
• TND

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":"USD",
    "userTokenId":"<unique customer identifier in merchant system>",
    "clientUniqueId":"<unique transaction ID in merchant system>",
    "paymentOption":{
        "alternativePaymentMethod":{
            "paymentMethod":"apmgw_MoneyBookers",
            "account_id":"<Skrill account>"
        }
    },
    "billingAddress":{
        "country":"US",
        "email":"john.smith@email.com"
    },
    "deviceDetails":{
        "ipAddress":"127.0.0.1"
    },
    "userDetails": {
         "country": "US"
    },
    "timeStamp":"<YYYYMMDDHHmmss>",
    "checksum":"<calculated checksum>"
}

sfc.createPayment({

    "sessionToken": sessionData.sessionToken,
    "paymentOption": {
        "alternativePaymentMethod": {
            "paymentMethod": "apmgw_MoneyBookers",
            "account_id": "<Skrill account>"
        },
        "subMethod": {
            "subMethod": "skrill1Tap"
        }
    },
    "billingAddress": {
        "country": "US",
        "email": "john.smith@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_MoneyBookers"
  • account_id
• deviceDetails block containing: ipAddress
• billingAddress block containing: country, email
• userDetails block containing: country

User Experience

Payment (Deposit)

1. Enter the below information in the cashier: Amount and Account’s email (optional).
   
   If a merchant wishes to support account limitation, then they must add the email field to the cashier and also activate the lock account option on the Skrill side.

   
   You are redirected to the Skrill payment page.
   
2. Log in to your account and complete the deposit.
   

Payout (Withdrawal)

1. Select the account from which to perform the withdrawal.
   
2. Enter the amount and click WITHDRAW.
   The withdrawal request is created.
3. The withdrawal is processed by the merchant from the back office.
   

Configuration Requirements

To complete the addition of Skrill to your account:

1. Enable secure return_url. Contact merchantservices@skrill.com to request secure return URL activation for your merchant account.
2. Add Nuvei IPs and set your payout password.
3. Configure the mandatory parameters in the Skrill back office:
   1. Log in to the system as a merchant and go to the My Account tab.
   2. Select the Settings button.
   3. Select Developer settings.
   4. Select the Automated Payment Interface (API) checkbox and access the IPs from which the service may be reached as follows:
      • 40.67.253.40
      • 40.67.253.42
      • 194.247.166.60
      • 194.247.166.176–179
      • 194.247.166.254
      • 194.247.167.60
      • 194.247.167.176–179
      • 194.247.167.254
      • 87.120.10.176–179
      • 87.120.10.206

Required details for Skrill MID setup:

• ClientId [per currency]
• PayoutPassword (MQI/API password) [per currency]
• SecretWord [per currency]
• UserName [per currency]

Skrill Customer Verification

Prior to redirecting the user to the Skrill page, Nuvei makes a “Skrill Customer Verification” call using the user’s email account as entered on the cashier or as supplied in the account information.

Nuvei checks with Skrill that all the information below is provided by the merchant:

• First Name
• Last Name
• Date of Birth
• Country
• Post Code

The verification call uses these client profile parameters:

• APM_ClientId (according to the correct currency)
• APM_Secret_Word (according to the correct currency)

Request Example

{
    "merchantId":"276261218",
    "password":"9f535b6ae672f627e4e5f79f2b7c63fe",
    "customerId":"276261219",
    "firstName":"Sample",
    "lastName":"Customer",
    "postCode":"CR12BN"
}

Skrill responds with “MATCH” / “NO MATCH” to the parameters that Nuvei sends and in addition they provide Nuvei the user verification level:

Response Example

{
    "firstName":"MATCH",
    "lastName":"NO_MATCH",
    "postCode":"NO_MATCH",
    "verificationLevel":"10"
}

The result from Skrill should be sent to the Risk system, which according to the merchant rules, decides if the transaction continues or not.

Skrill 1‐Tap

Skrill 1‐Tap is a single‐click payment service that enables the merchants to automatically debit transactions from their customer’s Skrill account without having to log in to their account to authorize the request each time.

In the 1-Tap flow, the user is redirected to the Skrill payment page like any regular deposit, but they sign an agreement to use the 1-Tap service during their first deposit. All subsequent deposits are in Direct mode, with the user being redirected again to the Skrill payment page.

1-Tap can be used in 2 modes:

• Via the regular Moneybookers – Users can select if they wish to use the regular flow or the 1-Tap flow. (recommended)
• Via separate payment method, Skrill One-Tap – The flow is always 1-Tap. (not recommended)

Technical Requirements

1-Tap feature should be enabled for the merchant account by Skrill.

To initiate the first deposit for APM Recurring Billing, merchants need to send “submethod” = “skrill1Tap“.

Example 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_MoneyBookers",
            "account_id": "<Skrill account>"
        },
        "subMethod": {
            "subMethod": "skrill1Tap"
        }
    },
    "billingAddress":{
        "country":"US",
        "email":"john.smith@email.com"
    },
    "deviceDetails":{
        "ipAddress":"127.0.0.1"
    },
    "timeStamp":"<YYYYMMDDHHmmss>",
    "checksum":"<calculated checksum>"
}

Testing

• Email address: skrill_user_test2@smart2pay.com
• Password: Qazxsw21.s2p!