Attributes

• METHOD TYPECards
• PAYMENTS
• PAYOUTS
• REFUNDS
• RECURRING

Introduction

Clave is a payment method widely used in Panama (PA) that offers secure and convenient financial services. With Clave, customers can access a range of services, including online and mobile banking, fund transfers, bill payments, and account management, providing a seamless and efficient payment experience.

Supported Countries

• Panama

Supported Currencies

• USD

Payment (Deposit) Flow

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{
  "sessionToken": "<sessionToken from /getSessionToken>",
  "merchantId": "<your merchantId>",
  "merchantSiteId": "<your merchantSiteId>",
  "userTokenId": "<unique customer identifier in merchant system>",
  "paymentOption": {
    "alternativePaymentMethod": {
      "paymentMethod": "apmgw_Clave",
    }
  },
  "currency": "USD",
  "amount": "100",
  "deviceDetails": {"ipAddress": "<customer's IP address>"},
  "billingAddress": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "county": "PA"
  },
  "userDetails": {
    "firstName": "John",
    "lastName": "Smith",
    "email": "[email protected]",
    "country": "PA",
   },
  "timeStamp": "<YYYYMMDDHHmmss>",
  "checksum": "<calculated checksum>"
}

{
"orderId": "39143501",
"userTokenId": "<unique customer identifier in merchant system>",
"paymentOption": 
{
"redirectUrl": "https://r2.girogate.de/bancomatpay/S1468/I?tx=1268439229&rs=vxLXNpmHJXJUTGOXUP34zFGxCv8hW4iU&cs=ec22b1d332808982aa76ab5fc72cc029ad057bd6c10953d5fba1a874b1c3ef3d",
"userPaymentOptionId": "2152905171",
"card": {}
},
"transactionStatus": "REDIRECT",
"sessionToken": "sessionToken from /getSessionToken",
"internalRequestId": 26441241,
"status": "SUCCESS",
"errCode": 0,
"reason": "",
"merchantId": "<your merchantId>",
"merchantSiteId": "<your merchantSiteId>",
"version": "1.0"
}

sfc.createPayment({
  sessionToken: "<sessiontoken>",
  paymentOption: {
    alternativePaymentMethod: {
      paymentMethod: "apmgw_Clave",
    }
  },
  deviceDetails: {
    ipAddress: "<customer's IP address>"
  },
  billingAddress: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    country: "PA"
  },
  userDetails: {
    firstName: "John",
    lastName: "Smith",
    email: "[email protected]",
    country: "PA"
  }
}, function(res) {
  console.log(res);
})

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=11111111&userid=clavetoken7232&merchant_unique_id=&customData=&productId=&first_name=&last_name=&email=test%40test.com&currency=USD&customField1=&customField2=&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=&invoice_id=&address1=&address2=&country=Panama&state=&city=&zip=&phone1=&phone2=&phone3=&client_ip=&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Paymentez-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=111111&merchant_status=&action=&requestVersion=&message=APPROVED&merchantLocale=&unknownParameters=&payment_method=apmgw_Clave&ID=&merchant_id=1111111111111111111&responseTimeStamp=2023-06-13.13%3A17%3A12&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=clavetoken7232&userPaymentOptionId=2152932021&TransactionID=2110000000009762315&externalTransactionId=MBA-96&APMReferenceID=5993738718B467C4E002EF53FFD94354&orderTransactionId=20149291&totalAmount=10.00&dynamicDescriptor=Rank+Descriptor&item_name_1=NA&item_number_1=&item_amount_1=10.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230613&type=DEPOSIT&clientRequestId=20230613161545&relatedTransactionId=&apmPayerInfo=nullnull&sessionId=4e5e0e45416e3a32fda5f146ad55&responsechecksum=4f6123196858b3fba21c5679dbef7424&advanceResponseChecksum=f1c1b3fc097cf0549d9e00ec49aa15ac',

Example Payment DMN with Status=DECLINED

...'ppp_status=FAIL&Status=DECLINED&ExErrCode=0&ErrCode=0&errApmCode=0&errApmDescription=&errScCode=9999&errScDescription=Default&Reason=Default&ReasonCode=9999&PPP_TransactionID=11111111&userid=ScMigrationTest3&merchant_unique_id=97c10831-d399-48d7-8ea5-41f89619d2fa6&customData=MartinaK02&productId=test_name_1&first_name=John&last_name=Doe&email=john.doe%40gmail.com&currency=USD&customField1=meccabingo.com&customField2=a2db82db-8186-44bb-a6d9-cb9f8f7ea25e&customField3=&customField4=&customField5=&customField6=&customField7=&customField8=&customField9=&customField10=&customField11=&customField12=&customField13=&customField14=&customField15=rnk_pr01&invoice_id=&address1=Test+Address&address2=2992&country=Panama&state=&city=San+Diego&zip=12345&phone1=13094526617&phone2=&phone3=&client_ip=5.62.58.154&nameOnCard=&cardNumber=&bin=&noCVV=&acquirerId=&acquirerBank=Paymentez+Direct&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=111111&merchant_status=&action=&requestVersion=&message=DECLINED&merchantLocale=en_US&unknownParameters=&payment_method=apmgw_Clave&ID=&merchant_id=1111111111111111111&responseTimeStamp=2023-06-01.11%3A41%3A13&buyButtonProductId=&webMasterId=&appliedPromotions=&uniqueCC=&transactionType=Sale&externalEmail=&cardCompany=&eci=&user_token_id=martina1&user_token=auto&userPaymentOptionId=2152919401&TransactionID=2110000000009640144&externalTransactionId=MBA-82&APMReferenceID=EE98DFE019114BB867EB72C5CE05C2EF&orderTransactionId=19886211&totalAmount=10.00&dynamicDescriptor=Rank+Descriptor&item_name_1=test_name_1&item_number_1=&item_amount_1=10.00&item_quantity_1=1&item_discount_1=0.00&item_handling_1=0.00&item_shipping_1=0.00&feeAmount=&amountWithoutFee=&houseNumber=&customCurrency=&upoRegistrationDate=20230530&type=DEPOSIT&clientRequestId=&relatedTransactionId=&sessionId=6b102abe0427b70ca79ac4907a7d&responsechecksum=fd0d983b406096330d42f69db6dfc915&advanceResponseChecksum=4b5391526ec854401af53b436d4024e7',

User Experience

1. The user is redirected to Clave payment page to complete the transaction using their debit card.
   
2. The user confirms the payment process by pressing Make the payment.
   
   A confirmation message is displayed once the payment is successfully completed.
   

Testing

Testing Card
CC: 6394240621480747
EXP: 04/24
CVV: 570
PIN: 0482 (You can use an incorrect PIN to reject the transaction).