Mobile App integration

VERY IMPORTANT: Before you start integrating this flow, make sure, you have read the the Introduction and Licenses and Interfaces chapters. They contain general and vital information, not only about the JSON-API, but also for you, the merchant! Furthermore, also make make sure, whether, or not PSD2 does apply to you!

Payments done via a smartphone through a mobile app, are becoming more and more important. Saferpay offers the tools needed to be integrated via a mobile app. The following guide is an extension, to the standard integration methods for the Transaction interface and Secure Alias Store.

The Integration centers around a client-server model (the app being the client), in which a merchant server hosts all the necessary data, to do the requests itself and store any vital data, the app and therefore the customer/card holder, does not need to know.

Credit Card Process

The general process is as follows:

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  1. The app calls the server to make a payment.
  2. The Server calls Saferpay, doing either a Transaction Initialize, or Alias Insert.
  3. Saferpay responds with a Token and the RedirectUrl.
  4. The server saves the Token and forwards the RedirectUrl to the app.
  5. The app opens up a native card-form.
  6. The card holder enters his card details and submits the form.
  7. The card details are posted to saferpay directly, using the RedirectUrl as the endpoint.
  8. Saferpay responds with a new RedirectUrl for 3D Secure and DCC, if applicable.
  9. The App either opens the Url inside a Webview, or opens the phone browser.
  10. The user may authenticate him/herself through 3DS and perform DCC.
  11. Once the external process is completed, the card holder gets redirected to the ReturnUrls
  12. The App intercepts the Redirect, through the Webview-handler
  13. The app instead opens up the In-App return-page, while asking the server for the final outcome.
  14. The Server executes the Authorization and forwards the result to the app.
  15. The app confirms the recipience, so the server may finalize and capture the payment, while the app either displays a success, or a failure.

Caution: Do NOT implement Saferpay directly into your app! While technically possible, this would mean, that you put the authentication credentials (User, Password, or certificate) into the app itself. Those credentials can be extracted and then used for mailicious actions on your account. ALWAYS implement Saferpay via this server-client model.

Request and response of Card-Post

Request

The following parameters need to be posted from the app to the RedirectUrl (See step 7):

Parameter Type Usage Description
RedirectUrl URL M The RedirectUrl will be the endpoint, the card details are posted to!
HolderName String M Input for the card-holder name.
CardNumber String M Input for the card-number (PAN).
ExpMonth String M Input for the expiration-month.
ExpYear String M Input for the expiration-year.
VerificationCode String M Input for the Card Verification Code (CVC).
FromAjax Boolean O Must be set to "true", in order to recieve a JSON-response!

Response

The Response will be a JSON-Object.

Success-Response in case of an http-200 response:

Parameter Type Usage Description
RedirectUrl URL mandatory RedirectUrl to open up inside a webview!

Error-Response in case of an http-4xx response:

Parameter Type Usage Description
ErrorName String mandatory Description, or ID of the error
Behavior String mandatory Further details on how to proceed (RETRY_LATER, RETRY, ABORT...).
ErrorDetail String optional Further details on the error itself, if available. For example, if the ErrorName=VALIDATION_FAILED, the ErrorDetail contains a list of the invalid input-fields (“CardNumber”, “ExpYear”, “Ex-pMonth”, etc.)

3rd Party Payment Methods

All 3rd party payment methods are exclusively provided via the Payment Page, since they mostly require web-based redirects, to be processed. The general process stays the same, however here you have an overview over how this is generally supposed to be done in an app:

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  1. The app calls the server to make a payment.
  2. The Server calls Saferpay, doing a Payment Page Initialize request.
  3. Saferpay responds with a Token and the RedirectUrl.
  4. The server saves the Token and forwards the RedirectUrl to the app.
  5. The app opens up the URL in a web-view.
  6. The customer performs the payment.
  7. Afterwards, Saferpay will redirect the customer back to one of the corresponding Return URLs (see #11), while also notifying the server.
  8. The server executes the Payment Page Assert request, to gather the payment data.
  9. Saferpay responds with the payment data, which then gets saved on the server.
  10. The server forwards the result and any additional data to the app
  11. It may also feasable to intercept the redirect, so the app may berform a web-to-app switch.
  12. The app displays a success, or failure, while the server finalizes (Capture etc.) the payment.

Important: An exception from this is the payment method Bancontact, which offers an alternative payment process.

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