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Sofinco 3x/4x


As Sofinco 3x/4x offer various brands, multiple paymentProductId exist. Find all possible values in the Integration chapter.

Sofinco 3x/4x is an instalment solution offered by Sofinco.

By offering flexible instalment plans, you make your customers' purchases affordable, which improves your conversion rate and revenue. Your customers may choose to split their payment into three or four equal, interest-free instalments over several months. Your customers enter their card (Visa, MasterCard or Carte Bancaire) and personal details on the Sofinco payment page. Sofinco then charges your customers automatically for the individual instalments.

Sofinco 3x/4x outsources the risk of payment defaults, as Sofinco pays you upfront and collects the funds from your customers.

The integration is very easy, as you only need to send some additional parameters along with your request.


Payment group:
Payment product id:
Key benefits
  • Low PCI requirements
  • Easy integration
  • Allows full refunds
  • Allows full captures
  • Guaranteed payment


To use Sofinco for either in our test/live enviroment, follow these steps: 

  1. Sign a contract with Sofinco and receive activation credentials in return.
  2. Send the activation credentials (MID/password and possibly other credentials) to us.
  3. We do the necessary onboarding and provisioning check.
  4. We activate the payment method in your account.

Countries & currencies

Supported countries

Supported currencies

  • Euro (EUR)


Redirect your customers to the Sofinco payment page via our Hosted Checkout Page. Find a high level overview in the "Process flows" chapter.

Add the following properties to a standard CreateHostedCheckout request:

  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": 100000
    "customer": {
      "merchantCustomerId": "mc_638115340658687368",
      "personalInformation": {
        "name": {
          "title": "Mr.",
          "firstName": "Wile",
          "surname": "Coyote"
        "gender": "male",
        "dateOfBirth": "19490917"
      "billingAddress": {
        "street": "Desertroad",
        "houseNumber": "13",
        "zip": "84536",
        "city": "Monument Valley",
        "state": "Utah",
        "countryCode": "US"
      "shippingAddress": {
        "street": "Desertroad",
        "houseNumber": "1",
        "zip": "84536",
        "city": "Monument Valley",
        "state": "Utah",
        "countryCode": "US"
      "contactDetails": {
        "emailAddress": "",
        "phoneNumber": "0611111111"
    "references": {
      "merchantReference": "ORDERIDxx"
    "shoppingCart": {
      "items": [
          "amountOfMoney": {
            "currencyCode": "EUR",
            "amount": 100000
          "orderLineDetails": {
            "productName": "ACME12",
            "discountAmount": 0,
            "lineAmountTotal": 100000,
            "productCode": "ASO45",
            "productPrice": 100000,
            "productType": "Fashion",
            "quantity": 1,
            "taxAmount": 0,
            "unit": "piece"
  "hostedCheckoutSpecificInput": {
    "locale": "fr_FR"
  "redirectPaymentMethodSpecificInput": {
    "requiresApproval": true,
    "paymentProductId": 5131
Property Remarks


amount: The gross amount you want to charge for this order.
currencyCode: The ISO 4217 currency code for this amount.


Your customers's personal information.


Your customers's billing/shipping address. If you do not send billingAddress, your customers will have to provide this data on the Sofinco payment page.


The content of the shopping cart as an array of items objects.

amountOfMoney.amount: The full amount of the items, calculated as orderLineDetails.productPrice X orderLineDetails.quantity

Make sure to calculate the value for order.amountOfMoney.amount by adding up all instances of shoppingCart.items.amountOfMoney.amount


The language version of our Hosted Checkout Page.


paymentProductId: The numeric identifier of the payment method on our platform. Find this id in the list below. It instructs our platform to send your customers directly to the Sofinco payment page. If left out, our platform sends your customers to the Hosted Checkout Page instead, allowing them to choose this or any other payment method in your account.

requiresApproval: Set to either "true"/"false" depending on whether you want to process payments in authorisation("true")/direct sale mode ("false").
Make sure that you capture authorised transaction later. Only then will the transaction have status="CAPTURED" / statusOutput.statusCategory="COMPLETED" / statusOutput.statusCode=9, for which you receive the actual payment for the transaction.
returnUrl: The URL we redirect your customers to after the payment has been finalised. 

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

List of available Sofinco brands

Brand paymentProductId

Sofinco 3x

For splitting the payment into three installments


Sofinco 4x

For splitting the payment into four installments


Sofinco 3x (interest free)

For splitting the payment in three interest-free installments


Sofinco 4x (interest free)

For splitting the payment in four interest-free installments


Process flows

  1. Your customers finalise an order in your shop and select Sofinco 3x/4x.
  2. You send this CreateHostedCheckout request to our platform.
  3. You redirect your customers via the redirectUrl to the Sofinco payment page. They confirm the order with their card and personal data.  
  4. We receive the transaction result. 
  5. We redirect your customer to your returnUrl
  6. You request the transaction result from our platform via GetPaymentDetails or receive the result via webhooks.
  7. If the transaction was successful, you can deliver the goods / service.
  8. Sofinco charges your customers automatically for the remaining instalments within the arranged intervals.


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.

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