PostFinance Pay

Countries & currencies

Supported countries

• Austria
• Belgium
• Bulgaria
• Croatia
• Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Ireland
• Italy
• Latvia
• Lithuania
• Luxembourg
• Malta
• Netherlands
• Poland
• Portugal
• Romania
• Slovakia
• Slovenia
• Spain
• Sweden
• Switzerland
• United Kingdom

Supported currencies

• Swiss franc (CHF)

Integration

Redirect your customers to the PostFinance Pay app via integration modes Hosted Checkout Page or Server-to-server.

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

{ 
    "order": { 
        "amountOfMoney": { 
            "amount": 100, 
            "currencyCode": "CHF" 
        } 
    }, 
    "hostedCheckoutSpecificInput": { 
        "returnUrl": "https://yourRedirectionUrl.com"
    }, 
    "redirectPaymentMethodSpecificInput": { 
        "paymentProductId": 3203, 
        "requiresApproval": false 
    } 
}

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

1. Your customers finalise an order on their desktop device in your shop and select PostFinance Pay.
2. You send this CreateHostedCheckout/CreatePayment request to our platform.
3. You redirect your customers via the redirectUrl (For CreateHostedCheckout requests) or merchantAction.redirectData.redirectURL (For CreatePayment requests) to the PostFinance Pay portal. Your customers scan the displayed QR code with their mobile/tablet device.
4. The mobile/tablet device opens the PostFinance Pay app. Your customers confirm the payment in the app.
5. We receive the transaction result.
6. The mobile/tablet device displays the transaction result in the PostFinance Pay app. We redirect your customers to your returnURL on their desktop device.
7. You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
8. If the transaction was successful, you can deliver the goods / service.

With a mobile device

1. Your customers finalise an order on their desktop device in your shop and select PostFinance Pay.
2. You send this CreateHostedCheckout/CreatePayment request to our platform.
3. You redirect your customers via the redirectUrl. The mobile/tablet device opens the PostFinance Pay app. Your customers confirm the payment in the app.
4. We receive the transaction result.
5. The mobile/tablet device displays the transaction result in the PostFinance Pay app.
6. You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.
7. If the transaction was successful, you can deliver the goods / service.

Testing

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

Additional information

PostFinance Pay implements two features that smooth out your customers' payment experience: Card On File payments and Express checkout. 

Card On File payments

PostFinance Pay supports Card On File payments without requiring the customer to manually initiate each payment.

Token creation

Create a token during the initial payment. Use it for subsequent transactions , so your customers do not have to re-enter payment details.

To do so, set the property redirectPaymentMethodSpecificInput=true  in the initial CreatePayment/CreateHostedCheckout request.

Token creation for subscriptions

You can also create a token without processing an actual payment. To do so, set the property redirectPaymentMethodSpecificInput=true and order.amountOfmoney.amount=0 in the initial CreatePayment/CreateHostedCheckout request. This allows you to use the token for future charges (i.e. for subscriptions).

Token usage for Merchant-Initiated Transaction (MIT)

For subsequent payments for a series of Card On File payments, request payments with an existing token. As this does not require your customers' consent, this streamlines the process for both you and your customers.

Add the following properties to a standard CreatePayment request: 

{
   "order":{
      "amountOfMoney":{
         "currencyCode":"EUR",
         "amount":1000
      }
   },
   "redirectPaymentMethodSpecificInput":{
      "paymentProductId":3203,
      "requiresApproval":false,
      "token":"your_token"
   }
}

Token deletion

If your customers request to deactivate a token or if they delete their registration with PostFinance Pay, you must delete the existing token. Once deactivated, the token cannot be reused. To do so, send a DeleteToken request to our platform. If necessary, create a new token for future transactions.

Express Checkout

Express Checkout streamlines the payment process by reducing the steps customers need to make for a payment. Request the address data directly from your customers' PostFinance Pay accounts to skip entering the address details.

To do so, add property paymentProduct3203SpecificInput.checkoutType to the initial CreatePayment/CreateHostedCheckout request:

{
   "order":{
      "amountOfMoney":{
         "amount":100,
         "currencyCode":"CHF"
      }
   },
   "hostedCheckoutSpecificInput":{
      "returnUrl":"https://yourRedirectionUrl.com"
   },
   "redirectPaymentMethodSpecificInput":{
      "paymentProductId":3203,
      "requiresApproval":false,
      "paymentProduct3203SpecificInput":{
         "checkoutType":"expressCheckout"
      }
   }
}