Page History
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- financial transaction - with card verification and following payment;
- registration transaction - with card verification without a following payment.
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The One Click service allows a regular customer of a merchant to make new purchases without entering card data. The payment requires only confirmation by the CVC2 code. However, for subsequent operations CIT COF with a saved card, CVC2 will usually not be requested (except the cases where special settings are made at the request of the merchant).
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When the merchant builds the next order, it is possible to redirect to the IPS Assist payment page to pay with the earlier saved card. In this case, the merchant must send order data with a unique customer number, i.e. in addition to the authorized request parameters, it is necessary to transfer the CustomerNumber. All actions related to payment by a saved card are performed on the Assist side.
If for any reason it is more convenient for the merchant to independently display an offer to the customer to pay the order with a previously saved card (on its website or in a specialized mobile application), then in order to use CIT COF, the merchant has to call the Token Pay payment web-service.
Note to the parameter TokenType, the value of which should be equal to 5, and also the value of the PaymentToken parameter, which must contain the unique customer number in the merchant database (CustomerNumber) and the unique identifier of the saved customer card received during the initial operation of this customer from the IPS Assist.
The payment will be made as a CIT COF operation with the earlier saved card at the initial payment for this token of this customer.
The list of response parameters is similar to the standard response of the Token Pay service.
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Payment will be made as a CIT COF operation only if the corresponding processing is set up for the merchant in the IPS Assist. Otherwise, the operation will fail. |
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If the merchant does not use the Token Pay payment web service and the information about the initial payment in the form of a token for CIT COF received from IPS Assist, then subsequent payments for the customer will be made according to the One Click program. |
MIT COF operations
Subsequent operations can be initiated by the merchant. These operations are called «Merchant Initialized Transaction» (MIT).
Recurrent payments are used for the implementation of MIT COF operations in APC Assist.
Recurrent payments are used when periodic withdrawal of funds from a customer’s bank card to the account of the service provider’s company is required. This is a different kind of subscription - payment for hosting, mobile phone, access to resources, etc. This method is convenient for the user, since the card data is entered by the customer once during the first payment.
The merchant can store the subscription schedule on its side and initiate subsequent payments through a request to the web service of the IPS Assist (description of the parameters of the initiating authorization request and the web service for subsequent payments see the corresponding section.
In contrast to recurrent payments, the amounts of MIT COF payments, as well as the intervals at which they are made, are not fixed. Thus, the merchant can initiate a payment of the required amount at any time (for example, in the case of a zeroing of the balance of a service).
To make subsequent payments as MIT COF, only one of the additional parameters must be transferred:
Parameter | Mandatory field | Adopted values | Default value | Description |
RecurringIndicator | Yes | 1 –recurring payment | 0 | Recurring payment indicator |
RecurringMinAmount | Yes | Number, 15 digits, two digits after the delimiter (delimiter '.') | Min amount of recurrent payments. | |
RecurringMaxAmount | Yes | Number, 15 digits, two digits after the delimiter (delimiter '.') | Max Amount of recurrent payments. | |
RecurringCount | Yes | Number, 3 digits | Frequency of recurrent payments in days. | |
RecurringMaxDate | Yes | Date as string in DD.MM.YYYY format | The end date of recurrent payments. |
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Payment will be made as a MIT COF operation only if the corresponding processing is set up for the merchant in the IPS Assist. Otherwise, the transaction will be carried out as a regular recurrent payment. |
Additional web services for COF
Getting a list of customer cards tokens
The web service allows to a merchant to receive a list of tokens of cards by the unique identifier of their client.
To access the web service send a request using the POST method to the request URL https://<SERVER_NAME>/pay/oneclick/v1/token.cfm with parameters in JSON format.
List of request parameters:
Parameter | Mandatory field | Adopted values | Default value | Description | |
Merchant | Merchant_ID | Yes | Number | The enterprise identifier in IPS Assist | |
Login | Yes | 20 characters | Web service user login | ||
Password | Yes | 30 characters | Web service user password | ||
CustomerNumber* | Yes | 32 characters | Merchant's internal customer identification | ||
Language | No | RU - Russian, EN - English | Language of legal entity/enterprise | Language of authorized pages |
*The parameter is automatically validated according to the rules.
An example of request:
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POST https://<SERVER-NAME>/pay/oneclick/v1/token.cfm
POST data:{"merchant":{"merchant_id":"452739", "login":"LOGIN", "password":"PASSWORD"}, "customernumber":"1234", "language":"RU"} |
The request result is sent in JSON format and contains the following parameters.
List of response parameters:
Parameter | Value |
token | Token of stored card |
post | Last 4 digits of the card number |
bin | First 6 digits of the card number |
brand | Payment system of the card |
bank | Name of Bank-Issuer |
expire | Month and year of card expiration (MM.YYYY) |
active | Whether the card is valid |
needCVC | Entering of CVC is required for authorization |
assets* | Media data array of the card (determine the appearance of the card) |
*If IPS Assist does not have media data for the card, then this parameter is returned with an empty value in the response.
Contents of the media data array
Parameter | Adopted values | Description |
assetType | BRAND_LOGO | Type of card design graphic component |
altText | ||
paymentType | VISA | Payment system type |
assetData | ||
url | URL of the file containing the image of card design graphic component | |
mediaType | image/png | Image file format |
width | Image dimensions in pixels | |
height |
In case of an error, the service returns the error data in JSON format.
{"fault":{"detail":"<error message>","faultcode":<first tcode>,"faultstring":<second code >}}.
Example of the response when the customer has several cards:
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[{"expire":"12.2025","token":"49D902C6-1CCF-4605-9228-11D0E8115C77","bank":"","brand":"VISA","bin":412362,"active":true,"needCVC":false,"post":"0028","assets":[{"assetType":"ICON","altText":"cardSymbol","paymentType":"VISA","assetData":[ {"url":"https://emvts-test-assets.s3.amazonaws.com/A5/VISA/aa3dcd69e8e8407fa2a59a1956994610/w100_h100.png","mediaType":"image/png","width":100,"height":100} ]},{"assetType":"CARD_BACKGROUND","altText":"digitalCardArt","paymentType":"VISA","assetData":[ {"url":"https://emvts-prod-assets.s3.eu-north-1.amazonaws.com/B5/VISA/fa0ff42cfa9e41b09ae8c2899d61394a/w1536_h969.png","mediaType":"image/png","width":1536,"height":969} ]}]},{"expire":"12.2025","token":"4D7F0B0D-B701-47B0-779A-BB0CB5F25A14","bank":"","brand":"MasterCard","bin":518615,"active":true,"needCVC":false,"post":"1030","assets":[{"assetType":"BRAND_LOGO","altText":null,"paymentType":"MC","assetData":[ {"url":"https://emvts-test-assets.s3.amazonaws.com/A5/MC/3789637f-32a1-4810-a138-4bf34501c509/w0_h0.pdf","mediaType":"image/pdf","width":null,"height":null} ]},{"assetType":"ICON","altText":null,"paymentType":"MC","assetData":[ {"url":"https://emvts-prod-assets.s3.eu-north-1.amazonaws.com/B5/MC/a7556277-51e9-4ef1-b503-dd8989e7a8bf/w100_h100.png","mediaType":"image/png","width":100,"height":100} ]},{"assetType":"CARD_BACKGROUND_COMBINED","altText":null,"paymentType":"MC","assetData":[ {"url":"https://emvts-prod-assets.s3.eu-north-1.amazonaws.com/B5/MC/eb50276e-7e28-4cd1-9b95-c8dfbe595db6/w1536_h969.png","mediaType":"image/png","width":1536,"height":969} ]},{"assetType":"ISSUER_LOGO","altText":null,"paymentType":"MC","assetData":[ {"url":"https://emvts-prod-assets.s3.eu-north-1.amazonaws.com/B5/MC/de7ce012-641e-450c-8b4f-a65d78062999/w1372_h283.png","mediaType":"image/png","width":1372,"height":283} ]}]}] |
An example of the response when there is no media data for the card:
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[{"expire":"12.2025","token":"91720736-CF93-469C-63A0-E5859815D6BA","bank":"Bank USA","brand":"MasterCard","bin":546792,"active":true,"needCVC":false,"post":"4128","assets":[]}] |
Deleting a stored card (token) of a merchant customer
The web service allows a merchant to remove a card token by the unique identifier of its customer.
To access the web service send a request using the POST method to the request URL https://<SERVER_NAME>/pay/oneclick/v1/rem_token.cfm with parameters in JSON format.
List of request parameters:
Parameter | Mandatory field | Adopted values | Default value | Description | |
Merchant | Merchant_ID | Yes | Number | The enterprise identifier in IPS Assist | |
Login | Yes | 20 characters | Web service user login | ||
Password | Yes | 30 characters | Web service user password | ||
CustomerNumber* | Yes | 32 characters | Merchant's internal customer identification | ||
Language | No | RU - Russian, EN - English | Language of legal entity/enterprise | Language of authorized pages | |
Token | Yes | 36 characters | Token of stored card |
*The parameter is automatically validated according to the rules.
An example of request:
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POST https://<SERVER-NAME>/pay/oneclick/v1/rem_token.cfm
POST data:{"merchant":{"merchant_id":"452739","login":"LOGIN", "password":"PASSWORD"}, "token": "54F5A3DE-4B47-4B40-03B5-7FF992D6B401", "language": "RU", "customernumber":"1234"} |
The request result is sent in JSON format with the message «Token is remowed».
Example of the response:
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{"message":"Token 33479991-B4E5-40FE-D9ED-EDC94BA7FA14 is removed"} |
In case of an error, the service returns the error data in JSON format.
{"fault":{"detail":"<error message>","faultcode":<first tcode>,"faultstring":<second code >}}.