Linxo Connect

Intro

Linxo Connect is a real-time banking payment method offered by the French banking Group Crédit Agricole.

Since Linxo Connect is directly integrated into established banking apps, your customers can use this payment method without any additional effort. Thus, Linxo Connect allows you to channel payments directly from your website in a transparent and secure way.

You send a standard request to our platform to redirect your customers to the Linxo Connect portal to open the banking app.

The integration is very easy, as you only need to send a few additional properties along with your request.

Optimised for Desktop Mobile

Overview

Payment group:

Real-time banking

Payment product id:

5003

Key benefits

Low PCI requirements (no sensitive or personal data shared)
Easy integration
Real-time banking

Onboarding

Are you using the Back Office?
You can configure the activation credentials and activate this payment method via Configuration. Learn here how to do it.

To activate Linxo Connect in your live account, follow these steps:

Sign a contract with Linxo Connect and receive activation credentials in return.
Enter the credentials in the Merchant Portal and activate Linxo Connect as described in our guide.

Countries & currencies

Supported countries

France

Supported currencies

Euro (EUR)

Integration

Redirect your customers to the Linxo Connect via integration modes Hosted Checkout Page or Server-to-server. Find a high level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout/CreatePayment request:

{
   "order":{
      "amountOfMoney":{
         "currencyCode":"EUR",
         "amount":980
      },
      "customer":{
         "merchantCustomerId":"your-customer-id",
         "contactDetails":{
            "emailAddress":"customer.email@address.com"
         },
         "locale":"fr_FR"
      },
      "references":{
         "descriptor":"your-payment-description",
         "merchantReference":"your-payment-reference"
      }
   },
   "hostedCheckoutSpecificInput":{
      "locale":"fr_FR"
   },
   "redirectPaymentMethodSpecificInput":{
      "raymentProductId":5003,
      "requiresApproval":false
   }
}

Properties	Description
order.amountOfMoney amount currencyCode	amount: The gross amount you want to charge for this order. currencyCode: The ISO 4217 currency code for this amount.
customer merchantCustomerId contactDetails.emailAddress locale	merchantCustomerId: A unique identifier of your customer. Used by Linxo Connect to send notifications. emailAddress: Your customers' e-mail address. Used by Linxo Connect to send notifications. locale: Just like the Hosted Checkout Page, Linxo Connect is available in various languages. Populate it accordingly to display the Linxo Connect portal in the language of your customers choice. The value is a combination of ISO 639-1 (language) and ISO 3166-1 (country): French: fr_FR English UK/US: en_UK / en_US Spanish: es_ES Italian: it_IT German AT/CH/DE: de_AT/ de_CH/ de_DE
references descriptor merchantReference	descriptor: A dynamic descriptor appearing on your customers' bank statement. Although not mandatory, we strongly recommend adding it to your order for maximum transparency. merchantReference: Your unique reference to this order.
hostedCheckoutSpecificInput.locale	Our Hosted Checkout Page is available in various languages. The value is a combination of ISO 639-1 (language) and ISO 3166-1 (country). Find a list of all possible values in our Hosted Checkout Page guide.
redirectPaymentMethodSpecificInput paymentProductId requiresApproval	paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the "Overview" chapter. For payments requested via CreateHostedCheckout, it instructs our platform to send your customers directly to the Linxo Connect-branded version of our Hosted Checkout Page. If omitted, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method that is active in your account. requiresApproval: Set to "false" as this payment method allows only Direct Sale mode.

Find detailed information about this object and its properties in our CreateHostedCheckoutAPI.

Process flows

Depending on your customers' device(s) used, differences apply:

With a desktop and a mobile device
With a mobile device

With a desktop and a mobile device

Your customers finalise an order on their desktop device in your shop and select Linxo Connect.
You send this CreateHostedCheckout/CreatePayment request to our platform.
You redirect your customers on the desktop device via the redirectUrl (For CreateHostedCheckout requests) or merchantAction.redirectData.redirectURL (For CreatePayment requests) to the Linxo Connect portal.
Your customers receive a notification in their banking app on the mobile device to confirm the order.
We receive the transaction result.
We redirect your customers to your returnUrl on their desktop device.
You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / service.

With a mobile device

Your customers finalise an order on their mobile device in your shop and select Linxo Connect.
You send this CreateHostedCheckout/CreatePayment request to our platform.
You redirect your customers via the redirectUrl (For CreateHostedCheckout requests) or merchantAction.redirectData.redirectURL (For CreatePayment requests) to the Linxo Connect portal.
Your customers receive a notification in their banking app to confirm the order.
We receive the transaction result.
We redirect your customers to your returnUrl.
You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
If the transaction was successful, you can deliver the goods / service.

Testing

Refer to our Test cases for test data and detailed instructions.

Make sure to use the right endpoint and switch back to the live URL as soon as you have finished your tests.