Hire purchase

The following payment systems are covered in this section: BILLPAY, KLARNA

Requirements to process hire purchase transactions:

The IP address of the customer should be provided.
The element ShoppingCart should be provided as detailed as possible. If possible gross prices with tax amount should be used.
The element BillingAddr (billing address of the order) should be provided with all details (name, gender, birthday, address, email address and phone number of the customer).
The element ShippingAddr (shipping address of the order) should be provided as detailed as the BillingAddr. Only nessecary if the ShippingAddr differs from the BillingAddr.

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Payments could be rejected by the acquirer if improper data are provided or missing.

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mPAY24 does not send any data relevant for payment or invoice to the customer.

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Merchant implementations of hire purchase using Backend2Backend Integration need to be approved by an acceptance test.

The following chapters have to be taken into consideration if the specific payment system is used.

BILLPAY

Additional requirements to process transactions with BILLPAY:

Processing transactions with a redirect location (see chapter Redirect payment systems)

To process a hire purchase transaction with BILLPAY, the payment type paymentBILLPAY and brand HP should be used.

<SOAP-ENV:Envelope
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>15521</tid>
      <pType>BILLPAY</pType>
      <payment xsi:type="etp:PaymentBILLPAY">
        <amount>29400</amount>
        <currency>EUR</currency>
        <brand>HP</brand>
      </payment>
      <order>
        <clientIP>131.130.70.8</clientIP>
        <desciption>Hire purchase example</desciption>
        <shoppingCart>
          <item>
            <productNr>1</productNr>
            <desciption>Test product A</desciption>
            <quantity>2</quantity>
            <tax>2400</tax>
            <amount>14400</amount>
          </item>
          <shippingCosts>600</shippingCosts>
          <shippingTax>100</shippingTax>
          <tax>4900</tax>
        </shoppingCart>
        <billing>
          <name>John Doe</name>
          <gender>MALE</gender>
          <birthday>1980-01-01</birthday>
          <street>Mainstreet 1</street>
          <zip>1010</zip>
          <city>Vienna</city>
          <countryCode>AT</countryCode>
          <email>[email protected]</email>
          <phone>+4368012345678</phone>
        </billing>
      </order>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

KLARNA

To process a hire purchase transaction with KLARNA, the payment type paymentKLARNA and brand HP should be used. Additionally the pClass is mandatory for KLARNA HP.

Country	`personalNumber`	`pClass`
Austria	Applied as birth date (`DDMMYYYY`).	n/a
Denmark	Applied as local personal number.	Mandatory
Finland	Applied as local personal number.	Mandatory
Germany	Applied as birth date (`DDMMYYYY`).	n/a
Netherlands	Applied as birth date (`DDMMYYYY`).	n/a
Norway	Applied as local personal number.	Mandatory
Sweden	Applied as local personal number.	Mandatory

Table: Klarna hire purchase personalNumber and pClass reference

<SOAP-ENV:Envelope
  xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
  xmlns:etp="https://www.mpay24.com/soap/etp/1.5/ETP.wsdl"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <SOAP-ENV:Header/>
  <SOAP-ENV:Body>
    <etp:AcceptPayment>
      <merchantID>90000</merchantID>
      <tid>12009</tid>
      <pType>KLARNA</pType>
      <payment xsi:type="etp:PaymentKLARNA">
        <amount>29400</amount>
        <currency>EUR</currency>
        <brand>HP</brand>
        <personalNumber>14041960</personalNumber>
      </payment>
      <order>
        <clientIP>131.130.70.8</clientIP>
        <desciption>Hire purchase example</desciption>
        <shoppingCart>
          <item>
            <productNr>1</productNr>
            <desciption>Test product A</desciption>
            <quantity>2</quantity>
            <tax>2400</tax>
            <amount>14400</amount>
          </item>
          <shippingCosts>600</shippingCosts>
          <shippingTax>100</shippingTax>
          <tax>4900</tax>
        </shoppingCart>
        <billing>
          <name>Testperson-at Approved</name>
          <gender>MALE</gender>
          <birthday>1960-04-14</birthday>
          <street>Klarna-Straße 1/2/3</street>
          <zip>8071</zip>
          <city>Hausmannstätten</city>
          <countryCode>AT</countryCode>
          <email>[email protected]</email>
          <phone>0676 2600000</phone>
        </billing>
      </order>
    </etp:AcceptPayment>
  </SOAP-ENV:Body>
</SOAP-ENV:Envelope>