One Click

Supported Payment Instruments

Looking to get started with One-Click or “Payer Aware Menu” to reduce friction? These are the supported instruments:

• Cards: Masked PAN, Expiration Date and CVC
• Swish: MSIDSN – Only for eCom-flow
• Vipps: MSIDSN
• Invoice: Email and MSIDSN
• Trustly: Preferred bank account

Introduction

There are two ways to get started with contributing to decreased friction for your customers during the checkout experience: “Payer Aware Menu” and “One Click.” They are not mutually exclusive and can be used in conjunction to fully maximize capabilities. However, our recommendation is to implement “Payer Aware Menu” as the default for a smoother handling.

With “Payer Aware Menu”, we will assist you with sorting and displaying the information to your customer. We can do this by creating a profile under the designated reference you have given us inside the payerReference field. For “One-Click”, you will sort the information on your end and present their details inside our interface. It is most suitable for scenarios where you have the need to force a set of details to be used, or when you have built your own menu displaying payment instruments.

Payer Aware Menu

To enable storing details for future purchases using the Payer Aware Menu, follow these steps:

1. Parameter generatePaymentToken:
   • Set to true inside the payment order request.
   • This value remains true by default for all transactions unless you wish to force “Guest mode”; in that case, send false.
2. Payer Object:
   • Include the parameter payerReference. Assign a unique value that can be sent with every future transaction. Failure to send in the same reference may result in wrong details being displayed or defaulting to creating a new profile.
3. Optional Enhancements:
   • Expand the Payer object with additional information such as first and last name, phone number and email address. This data will pre-populate relevant fields, providing a seamless experience for customers.

For more detailed information and examples, refer to the Payer Aware Payment Menu documentation.

One-Click

To get started with One-Click payments, follow these steps:

1. Parameter generatePaymentToken:
   • Set to true inside the payment order request for initial storing of details.
2. For Future Transactions:
   • Modify the generatePaymentToken parameter into paymentToken instead and replace the value true with the GUID (tokenized reference of the card) value.
3. Optional Enhancements:
   • Just like with “Payer Aware Menu”, you can enhance the payment experience by submitting relevant fields in the Payer object to pre-populate relevant fields.

For more detailed information and examples, refer to the One Click Payments documentation.

Example Request Structures

The examples are abbreviated where needed.

Payer Aware Menu and One-Click (for generating details)

Payer Aware Menu and One-Click (for generating details)

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{
   "paymentorder": {
   "operation": "Purchase",
   // ... other details
   "generatePaymentToken": "true",
   "urls": {
   // ... other URLs
   },
   "payeeInfo": {
   // ... payee information
   },
   "payer": {
   "firstName": "Leia",
   "lastName": "Ahlström",
   "email": "leia@payex.com",
   "msisdn": "+46787654321",
   "payerReference": "AB1234"
   }
  }
}

One-Click for Future Transactions

One-Click for Future Transactions

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{
   "paymentorder": {
   "operation": "Purchase",
   // ... other details
   "paymentToken": "b4739476-343e-4d2c-2e14-08dbec1e555a",
   "payer": {
   "firstName": "Leia",
   "lastName": "Ahlström",
   "email": "leia@payex.com",
   "msisdn": "+46787654321",
   "payerReference": "AB1234"
   }
  }
}

By following these steps and structures, you can seamlessly integrate our features “Payer Aware Menu” and “One-Click” to reduce friction and enhance the overall payment experience for your customers.

Removal of Instrument Details

When certain conditions arise, such as encountering specific error codes or receiving requests from the payer to remove their details, it becomes necessary to initiate the deletion of associated tokens. Here are two methods:

• Deletion of all Tokens: Send a PATCH call to the base URL with the endpoint /psp/paymentorders/payerOwnedTokens/<payerReference>.

This operation is only available for “Payer Aware Menu”.

• Deletion of a singular Token: Use the URL /psp/paymentorders/paymenttokens/<TokenValue>.

Both scenarios generate the same response:

Token Deletion Response

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{
"state": "Deleted",
"comment": "Comment on why the deletion is happening"
}

Common causes that triggers the need for deletion

• Your customer requests their information to be removed.
• Your agreement with your customer has been terminated or expired.
• Error codes pertaining to permanent causes. Example of these can be Card Expired (54) or Card stolen (43)