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Maksuturva Payment Services Integration Guideline as a

1. type hidden name pkg version type hidden name pkg sellerid type hidden name pkg id type hidden name pkg deliverymethodid type hidden name pkg remdeliverymethod type hidden name pkg adddeliveryinfo type hidden name pkg allsent type hidden name pkg forceupdate type hidden name pkg resptype type hidden name pkg return type hidden name pkg hashversion type hidden name pkg hash name p kg keygeneration type submit value Updat delivery info UpdateDeliveryInfo Response example OK Response lt pmtg gt lt pkg resultcode gt 00 lt pkg resultcode gt lt pkg version gt 0002 lt pkg version gt turva fi updateDeliveryInfo pmt gt value 0002 gt va Val va va vai val va Val va Val lue ABC123DI E gt lue 1998524 1 gt lue ITELL gt lue JJFI12345612345123456 gt lue JJFI12345612345234567 gt lue N gt lue N gt lue XML gt lue gt gt lue SHA 256 91FABOB9ED72FBDBB8B99F6C92BB82043BB03F056B4400BF71D71A939 value 1 gt gt ECO gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 131 181 132 181 Maksuturva Payment Services Integration Guideline Maksuturva lt pkg hash CFDDF22DD538FFECF6F784F5E10C88A3704ED597E700DE6A36979D868574B8C4 pkg hash lt pkg re
2. rrnrnnnnennnnnennnnenanenneenenennneennnee 43 CASU NP ndi P 47 3 3 2 3 Calculation Rules for Order Rows 0 77 anne r 48 3 3 3 New Payment RESPONSE c 49 3 3 3 1 Response validation an E KANAN KEN an 50 3 3 3 2 Response parameter descriptions nrrrrnnnnnnnnnnnneneneeneenenennnennnnea b1 3 3 4 uulgo 52 3 4 Payment Status Query AL 53 39 4 1 Changes Rer 54 3 4 2 Request parameter descriptions ennnnnnnnnnnannennnnnneneneneneennnnennnee 56 3 4 3 Response parameter descriptions n rtnn rtt nenne nananana ana Anaa a annene 57 3 4 3 1 Response code values 0 n nwnennnnnnnnnnntennnnenenenneennnnnnnennneea 60 3 4 3 2 Delivery status code values soks maama Tuna A i 62 3 4 4 Payment Status Query in different environments nnennnnnnnnenenna 63 3 5 Delivery Information Management aaa aaah na 64 3 5 1 Add Delivery Information Request etae nA AA daa 65 3 5 2 Update Delivery Information Request naan n nananana nannaa Aaa a nana a ennen 66 3 5 3 Delete Delivery Information Request a aaaassssssssssssa 67 3 5 4 Delivery Information RESPONSE aaa AA aan 68 3 5 5 Parameter desc
3. E 171 7 4 Service Information u u uu uU eene nennen nem nananana aa aa naan naene nene triti rre Aaa rre rri rre ren 172 S REPONS TAM ANAKAN AA ed ANA 174 7 5 1 SveaWebPay settlement reports aaa 175 7 6 Contact 7 7 Risk management of card payments Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 5 181 Maksuturva Services Integration Guideline 1 Description of Maksuturva Services Maksuturva is a Payment Service Provider PSP for webstores Integrating Maksuturva services enables webstore to provide Internet Bank Payments Card Payments Invoice and Part Payment as Payment Methods available for their buyers to choose from Maksuturva is responsible for charging the funds from the buyer settling the funds to webstore and creating settlement reports for accounting purposes Direct Payment Services e g eMaksut In its simplest form Maksuturva payment service handles direct payments e g eMaksut where buyers payments are settled to the webstore as soon as possible usually on daily basis Bank payments are normally settled to the webstore in one or two banking days In case of direct payments the following technical interfaces are available for the webstore Retrieve Available Payment Methods Retrieve Dynamic Image Material Payment Payment Status Query and Retrieve Settlement Reports Satisfac
4. Unpaid Applies only to unpaid account transfer transactions Not in use Being delivered unsettled Payment has already been made for these transactions and shipping data have been added to them but the payment has not been settled yet Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm Maksuturva Payment Services Integration Guideline 7 2 2 Searching for transactions 149 181 Search for individual transactions by name of payer order number payment ID or reference number Transactions Webstore Information KauppiasExtranet Service Information Reports Contactus Transactions 55 s Feedback statistics Yo D sI UN Symantec Transaction state ABOUT SSL CERTIFICATES Missing tracking code Cancelled by payer Unpaid ein livered unsettied Count Gross sum Commission 44 KKK xxx 15 xxx xxx XXX XXX 186 xxx xxx Level Transactions Summary Settlements Payer name order number payment code or reference number Payment methods Date interval Transaction state All payment methods All payment methods Only E Payments Only Card Payments Only Uncertified Card Payments Only SveaWebPay Payments Only B28 Invoice Payments Only Maksuturva Invoices and Part Payments Only PayPal Payments Unpaid Missing tracking code Being delivered unsettled Cancelled by payer Settied Cancelled
5. D25F011A9721D8F47570B07A7EBEEA4DBEOF14F gt value CANCEL gt value 0005 gt value ABC123DE gt lue 1998524 1 gt value 568 10 gt value EUR gt value PARTIAL REFUND gt value 150 00 gt value Hyvitys siit ett toimitusaika value OTHER gt lue XML gt lue SHA 256 gt gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 134 181 Maksuturva Payment Services Integration Guideline Maksuturva form method post action http testl maksuturva fi PaymentCancel pmt gt lt input type hidden name pmtc_action value CANCEL gt lt input type hidden name pmtc_version value 0005 gt lt input type hidden name pmtc_sellerid value ABC123DE gt lt input type hidden name pmtc_id value 1998524 1 gt lt input type hidden name pmtc_amount value 568 10 gt lt input type hidden name pmtc_currency value EUR gt lt input type hidden name pmtc_canceltype value PARTIAL REFUND AND RETURN OF DELIVERIES gt lt input type hidden name pmtc_cancelamount value 123 00 gt lt input type hidden name pmtc canceldescription value Ostaja palauttaa toisen tilaamistaan tuote A sta gt lt input type hidden name pmtc cancelreason
6. Buyer s social security number or company s business identification code Name of buyer billing Address of buyer billing Street address or p o box Postal code of buyer billing City of buyer billing Country code of buyer billing ISO 3166 1 alpha 2 standard based 2 character country code http fi wikipedia org wiki ISO 3166 Phone number of buyer billing 27 Buyer s email address Email address of buyer 28 Delivery recipient s name 29 Delivery recipient s address 30 Delivery recipient s postal code Name of recipient delivery Street address or p o box Address of recipient delivery Postal code of recipient delivery Delivery recipient s city City of recipient delivery 32 Delivery recipient s 34 number of order rows Order row name country code Sum of handling and delivery costs of the order Order row count Country code of recipient delivery ISO 3166 1 alpha 2 standard based 2 character country code The total gross sum of row types 2 and 3 The amount must be presented with two decimals The decimal delimiter is a comma e g 7 40 The count or number of order rows as an integer Name of this order row Max length 40 characters Order row description Detailed description of this order row Order row quantity Order row article or 41 product number Order row unit of quantity Order row delivery date of package or s
7. Maksuturva Payment 21 181 Ma ksuturva Services Integration Guideline Payment Satisfaction Guarantee Cmm Payment API reguest lt Payment API response Payment confirmation Email and link to Web Buyer s Services lt Order confirmation LE Order Delivery Add Delivery Info API reguest lt Add Delivery Info API response Inspection period begins lt Delivery confirmation Email and link to Web Buyer s Services Inspection period ends Settlement Buyer receives the order Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 22 181 Maksuturva Payment Services Integration Guideline Maksuturva Payment Status Query It is certainly possible that webstore never receives a response to new payment request That is the buyer never returns to any of the return addresses of webstore This could for example occur in case of Internet connection shortage These payment request should not be considered cancelled or erroneous The actual payment status of every this kind of payment request or order to which the webstore has not received an OK response should be queried from Maksuturva through Payment Status Query API If neccessary Maksuturva verifies payment status from bank card payment handler or credit provider The query should be done earliest at least one hour after last buyer action to achieve the most relia
8. Payment refunds and cancellations testing only applicable for Satisfaction Guarantee payment services In case of generic test credentials the service returns a random response code Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 108 181 Maksuturva Payment Services Integration Guideline Maksuturva 4 2 Personal test credentials Testing with personal credentials Personal test credentials enable webstore to test the buyer s payment process and e g Web Buyer s Services and KauppiasExtranet Test environment never handles real cash All the payments are done in the test environments of each supported bank card payment handler or credit provider etc Personal test credentials are applicable only in Maksuturva s test environment addresses that begin with http test1 maksuturva fi For example for new payments use nttp testi maksuturva fi NewPaymentExtended pmt and for payment status queries use http test1 maksuturva fi PaymentStatusQuery pmt Obtaining personal credentials from Maksuturva Personal test credentials for the test environment are conferred without any separate agreement Ordering the personal credentials is especially recommended if you are installing our service with a payment module as part of a web store based on open source software or if you are starting up an independent integration job You can use the account number FI27
9. Response code 91 The buyer has proposed a cancellation of the order The proposal waits for the webstore s confirmation Webstore should not confirm the cancellation until the buyer has returned the products If the webstore had not delivered the products the cancellation can be confirmed immediately After the confirmation the buyer will be fully refunded Response code 92 The buyer has proposed a partial refund of the order The proposal waits for the webstore s confirmation Webstore should not confirm the change proposal until the buyer has returned the products If the webstore had not delivered the products the change proposal can be confirmed immediately After the confirmation the buyer will be refunded Response code 93 The buyer has proposed a partial refund and return of some deliveries of the order The proposal waits for the webstore s confirmation Webstore should not confirm the change proposal until the buyer has returned the products If the webstore had not delivered the products the change proposal can be confirmed immediately After the confirmation the buyer will be refunded Response code 95 The buyer has made a reclamation The buyer and webstore must negotiate a solution after which the buyer can withdraw the reclamation After this either party can make the appropriate changes to the order according to negotiated solution Please note that some of response code values indeed are only applicable to Satisfaction
10. Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 113 181 Maksuturva Services Integration Guideline 00370 Helsinki 8888888 3 Testitie 1 Maksaminen ei onnistu 7777777 4 00370 6666666 5 Helsinki Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 114 181 Maksuturva Payment Services Integration Guideline Maksuturva 5 Examples This section provides some examples of the requests and responses Also some sections below contain code examples e g PHP that are partly pseudocode Please notice that these examples are NOT functional but are only showing the structure and the nature of the message contents Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 115 181 Maksuturva Services Integration Guideline 5 1 Retrieve Available Payment Methods per order Reguest example HTTP GET http testl maksuturva fi GetPaymentMethods pmt sellerid SELLERID amp request locale fi totalamount 174 90 https www maksuturva fi GetPaymentMethods pmt sellerid SELLERID amp request locale fi totalamount 174 90 Response example HTTP RESPONSE lt xml version 1 0 encoding IS0 8859 1 standalone no gt lt paymentmethods gt lt paymentmethod g
11. lt paymentId gt 2000301 1 lt paymentId gt lt sellerGrossAmount gt 573 1 lt sellerGrossAmount gt lt sellerNetAmount gt 487 13 lt sellerNetAmount gt lt refundedAmount gt 0 lt refundedAmount gt lt commission gt 85 97 lt commission gt lt buyerPaymentDateTime gt 2014 09 30T00 00 00 000 03 00 lt buyerPaymentDateTime gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 138 181 Maksuturva Payment Services Integration Guideline Maksuturva order orders lt compensation gt lt compensations gt lt ns2 getCompensationsResponse gt The reguested date interval did not contain any settlements lt ns2 getCompensationsResponse xmlns ns2 https www maksuturva fi smtschema GetCompensationsResponse xsd gt lt timestamp gt 2014 10 16T14 09 17 000 03 00 lt timestamp gt lt sellerId gt ABC123DE lt sellerId gt lt resultCode gt 95 lt resultCode gt lt resultText gt No events found lt resultText gt lt keyGeneration gt 1 lt keyGeneration gt lt ns2 getCompensationsResponse gt The reguested date interval exceeded the maximum of one month lt ns2 getCompensationsResponse xmlns ns2 https www maksuturva fi smtschema GetCompensationsResponse xsd gt lt timestamp gt 2014 10 16T14 07 45 000 03 00 lt timestamp gt lt sellerId gt ABC123DE lt sellerId gt lt resultCode gt 95 lt resultCode gt lt resu
12. 5 4 Payment Status Query Request example HTTP POST lt form method pos lt input type text name pmtq action val lt input type text name pmtq version val lt input type text name pmtg sellerid val lt input type text name pmtq id val lt input type text name pmtq_resptype val lt input type text name pmtq hashversion val lt input type text name pmtq_hash value 6E496757BEA0 5DACEEEC 62 5E9FCD12802AF67D189F31 lt input type text name pmtg keygeneration va lt form gt t action http testl maksuturva Response examples HTTP RESPONSE Maksuturva Payment 127 181 Services Integration Guideline fi PaymentStatusQuery pmt ue PAYMENT STATUS QUERY gt ue 0005 ue ABC123DE ue 1998524 1 ue XML ue SHA 256 1DAF372BB618A17341A3 lue 1 Payment was not found or the payment has not been confirmed lt pmtg gt lt pmtg returncode gt 00 lt pmtg returncode gt lt pm lt pm lt pm pm pm pm pm pmtq tq returntext gt No payment found with specified data lt pmtg returntext gt tq action gt PAYMENT STATUS OUERY lt pmtg action tq id gt 1998524 1 lt pmtg id tq amount gt 0 00 lt pmtg amount tq hash 7FC9C32FCAFCD351ACOC10CFA1A69C7D4D6BB17EAC972B44F084E8E0DE452DAE pmtq hash tq sellerid gt ABC123D tq version gt 0005 lt pm E lt pmtg sellerid gt
13. Field Desctiption e Ui 7 Hash Hash calculated from predefined message fields and the webstore s secret key Uses the same version key generation etc values that were in the request The following fields are used to calculate the hash pmtc action pmtc version pmtc sellerid pmtc id pmtc returntext pmtc returncode For more details see section Hash Calculation Details of all the XML structure listing details of all the errors in the input message errors Response code values Response Short description Description code Already settled Payment already compensated and cannot be cancelled 31 Webstore and buyer Cancel parameters from seller and payer do not match cancellations mismatch so Errors in input data Errors in input data specified in element lt errors gt 99 aa Payment cancellation failed reason specified in pmtc returntext gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 81 181 Maksuturva Services Integration Guideline 3 7 Retrieve Settlement Reports Version 1 1 1 This interface enables webstore to retrieve reports of settlements Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 82 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 7 1 Changes Date Version Change Januar
14. Name of the company s technical contact srv webstorepersonname person IN o z 00 O E mail of the company s technical contact srv webstorepersonemail person 41 z MN o Phone number of the company s technical srv webstorepersonphone contact person Mobile phone number of the company s srv webstorepersonmobile technical contact person z IS O ax number of the company s technical contact srv webstorepersonfax person Payment methods for the webstore srv_paymentmethodinfo Delivery methods for the webstore srv_deliverymethodinfo o Service begin date for the webstore s srv servicebegindate Maksuturva service Ui Campaign code srv campaigncode Additional information about the subscription srv additionalinformation Desired response type srv resptype 0 Ok return url srv okreturn 1 Error return url srv errorreturn 2 Cancel return url srv_cancelreturn 53 Charset for calculating the hash srv_charset ISO 8859 1 IS0 8859 15 or JI UI unu u u b A A oO O I O v W N 4 Hash algorithm srv_keygeneration Default 001 The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional 5 Hash 56 Secret key generation n o lt D n z MN o Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland inf
15. Please note that the production and the test environment are separate environments with separate accounts and credentials Test account credentials and keys do not work in the production environment or vice versa Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 19 181 Maksuturva Services Integration Guideline 2 Process diagrams of Maksuturva Services Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 20 181 Maksuturva Payment Services Integration Guideline Maksuturva 2 1 Payments In case of both service types Direct payments e g eMaksut and Escrow payments e g Maksuturva Gold the payment assignment is created using Payment API After buyer has confirmed the Internet bank payment or Card payment or has approved an invoicing contract Maksuturva redirects the buyer back to webstore with appropriate response information The response is sent also in case of deliberate cancellations and errors Webstore determines a separate return address URL for each scenario ok cancel and error Payment Direct payment LI Gm Payment API request gt lt Payment API response Settlement pas Order confirmation Order delivery Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi
16. input name pmtq action pmtq version pmtq sellerid pmtq id pmtq resptype pmtq hashversion pmtq hash pmtq keygeneration Description PAYMENT STATUS QUERY Version of the interface content Seller ID given to the webstore by Maksuturva Group Oy Technical interface user id Unique identifying number given to the payment transaction by webstore Currently only XML is supported Name of the algorithm used to calculate the hash For more details see section Hash Calculation Hash calculated from predefined message fields and the webstore s secret key The following fields are used to calculate the hash pmtq action pmtq version pmtq sellerid pmtq id For more details see section Hash Calculation Generation number of the secret key given to the seller by Suomen Maksuturva Default is 001 value eles PAYMENT STATUS QUERY AN50 0005 AN15 AN20 AN10 AN128 The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 57 181 Maksuturva Services Integration Guideline 3 4 3 Response parameter descriptions The character encoding of response message XML is UTF 8 Additionally the only supported response type is XML These re
17. 4600 0 246 00 tuote 1 2 Tailored product 1 30000 23 6210 10 332 10 kustomoitu tuote 2 3 Postal rate 1 5 00 0 000 0 500 postituskulut 4 Discount 1 1000 0 000 0 1000 ALENNUS 1 total 573 106 Delivery information Delivery method Itella Delivery tracking code Delivery state 33JF165432100000106570 Created All delivery information has been entered Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 161 181 Maksuturva Services Integration Guideline 7 2 4 2 3 Refund It is possible to decrease the final sum of an order without product returns by using partial refund An equivalent change can also be made using the return form by adding change rows to the order Use the form to select a reason for the cancellation give the monetary amount to be refunded and an explanation for the cancellation and click on Make partial refund An email is automatically sent to the buyer explaining the changes made The sum to be refunded is refunded to the buyer at midnight If necessary the system asks the buyer for the bank account number to which the refund is deposited Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 162 181 Cancel information Maksuturva Payment Services Integration Guideline Once you have
18. Cm Maksuturva Payment Services Integration Guideline Updated July 27th 2015 2 181 Maksuturva Payment Services Integration Guideline Maksuturva Table of contents 1 Description of Maksuturva Services r rrrssssssssse 5 1 1 Payme tsu uuu Pm Re ee nee ene ge ee eee ene eee ety eee 7 1 2 Delivery Information management and tracking eese 9 1 3 Satisfaction Guarantee Web Buyer s Services a 10 1 4 Certificale POIS PC EL 16 1 5 Ordening th Service Mec 18 2 Process diagrams of Maksuturva Services dinee dekaan katma 19 PEN seassa asustaa AA ae AA ti 20 2 2 Refunds arid Cancellations Laan NANGKA 23 2 3 Handling OF response MESSAGES tiitleid aja ct ust haaa aka 26 3 Technical Interface Descriptions nnn 27 3 1 Retrieve Available Payment Methods per order wnnrnnnnnr 28 3 2 Retrieve Dynamic Image Material 30 3 2 1 Changes uyu u a limaal aia eal aa alia 31 3 2 2 Retrieving the IMAGES AA viaal al 32 3 2 3 Linking the payment method banner to Certificate page 33 SR AA AA S Isetan 34 3 9 1 Changes AA AA AA AA MONS 36 3 3 2 New Payment Request Re EE 40 3 3 2 1 Request parameter descriptions
19. TATTAR KE Contry ode orte compen tms Tania o A IE Do wwoseermecmpay ferin Jawo o 2 ona pox code orine company pecsunewesacm s o pa ings oftnecompary frommes Tawo o 2 ona cour cose or company pecmuneeemoee w 2 o Pa bret saaresotme mebrore Jorvostorntanss s o HOT a YO ae 9 ps oota code orines promere ms s o mlayanevasoe jms a E County coder of he web beoe fa o pamanang a an L mide E CES Phone number of the company s contact srv contactpersonphone AN40 person Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 91 181 Services Integration Guideline Maksuturva 32 Mobile phone number of the company s srv contactpersonmobile contact person 3 gt Fax number of the company s contact person srv contactpersonfax 4 gt Name of the company s billing contact person srv billingpersonname 5 gt E mail of the company s billing contact person srv billingpersonemail 6 gt Phone number of the company s billing contact srv billingpersonphone person 7 IS O Mobile phone number of the company s billing srv billingpersonmobile contact person 8 z MN o Fax number of the company s billing contact srv billingpersonfax person UJ s 8 s RES amp 9 Zz 00 o
20. lt paymentmethod gt lt paymentmethod gt lt code gt RBRC lt code gt lt displayname gt Resurs Bank Uusi kortti lt displayname gt lt paymentmethod gt lt paymentmethods gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 117 181 Maksuturva Services Integration Guideline 5 2 Retrieve Dynamic Image Material Examples can be found from API description Retrieving Dynamic Image Material Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 118 181 Maksuturva Payment Services Integration Guideline Maksuturva 5 3 Payment Request examples HTTP POST Example 1 Satisfaction Guarantee payment service e g Maksuturva Gold Billing and Delivery address mismatch Webstore return addresses do not contain querystring Buyer will choose payment method in Maksuturva s payment method choosing page form method post action http test1 maksuturva fi NewPaymentExtended pmt gt input type submit value Pay gt input type hidden name pmt action value NEW PAYMENT EXTENDED input type hidden name pmt version value 0004 input type hidden name pmt sellerid value ABC123DE input type hidden name pmt id value 1998524 1 gt input type hidden name pmt o
21. products rows array Adding products foreach order gt getProducts as Sproduct SorderAmount product total price including vat row array pmt row name gt product name pmt row desc product desc pmt row quantity gt product cart quantity pmt row articlenr gt Sproduct reference pmt row deliverydate date d m Y pmt row price net gt Sproduct price excluding vat pmt row vat gt product rate pmt row discountpercentage gt product discount pmt row type gt 1 array push products rows row Adding shipping costs sellerCosts order summary total shipping Scarrier order gt id carrier Adding shipping costs as a row row array pmt row name gt carrier gt name Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Services Integration Guideline pmt row desc gt carrier gt name pmt row guantity gt 1 pmt row deliverydate gt date d m Y pmt row price net gt Sorder summary total shipping pmt row vat gt SshippingVat pmt row discountpercentage gt Sshipping discount pmt row type gt 2 array push Sproducts rows Srow Continue by adding handling costs customised products services and discount rows in similar manner but rem
22. s IS error MEGAN P take kkk Em 1 6 1 1 existingPayment Payment id is invalid aaa 1 6 1 2 nash value is invald mm rte 1 T KaupplasExirane t user mahala GANAN ANNA pag ti die Ma ajat 1 7 1 Loggingi A MAT AM 1 7 2 Management of payment transactions nnrrrrremnenennnn 1 7 2 1 Management of pending transactions ssssssseeeeeenn nene 1 7 2 2 Searching for transactions m H HR 1 7 29 Transactions uu u uy E 1 7 2 4 Individual payment transaction i rrrsssssssssssssssssssse 1 7 2 4 1 Adding Shipping dale u rcs 1 7 2 4 2 Making changes web store initiates 1 7 2 4 2 1 Cancellation of entire order 1 7 2 4 2 2 Return of products and additional changes 1 T2 02 3 RSA PEL 1 7 2 4 3 Making changes buyer initiates rr 1 7 2 4 4 Review of reclamation made by buyer eese 1 7 2 4 5 Making changes SveaWebPay and B2B Invoice 1 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 181 4 181 Maksuturva Payment R Services Integration Guideline Maksuturva 7 3 Webstore Information
23. tg version gt Payment has not been confirmed The buyer may still be in the Internet bank and about to confirm the payment lt pmtg gt lt pmtg returntext gt No payment found with specified data lt pmtg returntext gt lt pmtg paymentmethod gt FI01 lt pmtg paymentmethod gt lt pmtg amount5568 10x pmtq amount lt pmtg paymentstarttimestamp gt 15 10 2014 14 16 48 lt pmtg paymentstarttimestamp gt lt pmtg returncode gt 00 lt pmtg returncode gt lt pmtg certification gt N lt pmtg certification gt tg action gt PAYMENT STATUS OUERY lt pmtg action gt ta id gt 1998524 1 lt pmtg id tq escrow gt Y lt pmtg escrow pm pm pm pm pm pm pm pmtq tq hash A217E028A693141DB4451 tq sellerid gt ABC123D E lt pmtg sellerid gt tg sellercosts gt 5 00 lt pmtg sellercosts gt tg version gt 0005 lt pm tg version gt ED7A6A70646116F28E973B822254CAAFB18EA89EF912 pmtq hash Payment has been confirmed Satisfaction Guarantee payment service Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 128 181 lt pmtg gt Maksuturva Payment Services Integration Guideline Maksuturva lt pmtg paymentdate gt 15 10 2014 lt pmtg paymentdate gt pm pm pm pm pm pm pm pm pm pm pm pm pm pmtq tq paymentmethod gt FI0 tq
24. 13 Secret key generation pkg keygeneration The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional N I T n 2 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 66 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 5 2 Update Delivery Information Request Delivery information can updated by sending the delivery method and tracking code s in a lt form gt USING POST method as hidden input fields input type hidden gt to address nttps www maksuturva fi updateDeliveryInfo pmt Of http testl maksuturva fi updateDeliveryInfo pmt in testing environment n Field input name value Format C O message version aves loo HM C zeae e ws s jem pen Ave 5 peery itot be a mesai Diay ino to arm peremees L eee been given ofenses pamm mari a AN0 je SAAKA Wee e saan pekonin 0 NG e The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 67 181 Maksuturva Services Integration Guideline 3 5 3 Delete Delivery Informat
25. Calc are calculated values used to check the validity of interface field data Gross and net prices have the following relationship pmt row price gross round pmt row price net 1 0 01 pmt row vat IF net price was supplied pmt_row_price_net Row sum after reducing the discount without VAT CalcRowAmountExVAT round round pmt row quantity pmt row price net 1 0 01 pmt row discountpercentage IF gross price was supplied pmt row price gross Row sum after reducing the discount without VAT CalcRowUnitNetPrice round pmt row price gross 1 0 01 pmt row vat CalcRowAmountExVAT round round pmt row guantity CalcRowUnitNetPrice 1 0 01 pmt row discountpercentage Row sum of VAT VAT is calculated based on the reduced net price CalcRowVAT round CalcRowAmountExVAT 0 01 pmt row vat Row total amount payable in effect on the gross amount CalcTotalRowAmount round CalcRowAmountExVAT CalcRowVAT The gross price of the whole order pmt amount pmt sellercosts sum CalcTotalRowAmount pmt amount total sum of CalcTotalRowAmount for product and service rows types 1 4 5 and 6 pmt sellercosts total sum of postal and handling cost rows types 2 and 3 In the interfaces all the money amounts and percentages must be presented with two decimals using comma as the decimal delimiter Suomen Maksuturva Oy Ruoholah
26. Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 10 181 Maksuturva Payment Services Integration Guideline Maksuturva 1 3 Satisfaction Guarantee Web Buyer s Services Webstore chooses inspection period in days e g 14 when Subscribing to Maksuturva payment services Altough the inspection period can easily be changed later on The inspection period calculation starts as soon as all the order deliverables have been received by the buyer During the inspection period it is possibly to propose or make changes to the order The buyer s change proposals always need to be confirmed by the webstore The changes made by webstore are confirmed automatically if possible An exception to the aforementioned automatic confirmation are the Internet bank payments where Maksuturva requests the buyer to enter his or her bank account number over a secured channel Web Buyer s Services The funds are then refunded to this bank account That is for buyers Maksuturva provides a web application called Web Buyer s Services where the buyer has various tools for proposing changes to his or her order For webstores Maksuturva provides a web application called KauppiasExtranet where webstore has even more tools for making or approving the changes to the orders Webstore can also make changes or approve the change proposals using Payment refunds and cancellations API The change proposals
27. Y The payment has been verified That is the payer s identity has been confirmed somehow In case of Invoice and Part Payment payment methods Maksuturva has information about the payer s identity which is not the case with other payment methods N The payment has not been verified or there is no verification information available Informal additional payment service AN50 response information received from the external payment service provider in error situations In case of Nets formerly known as Luottokunta the LKPRC code In OK cases this could contain for example external payment service provider s archive code of the payment Informal additional payment service AN50 response information received from the external payment service provider in error situations In case of Nets formerly known as Luottokunta the LKSRC code In OK cases this could contain for example external payment service Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 59 181 Maksuturva Services Integration Guideline provider s archive code of the payment 15 Payment pmtq externaltext Informal additional payment service service response information received from response the text external payment service provider Contains either information about successful payment or an error If the external payment service provider does not pro
28. inspection period effective OR not yet settled to webstore Settled to webstore Buyer has proposed a cancellation Satisfaction Guarantee 92 Buyer has proposed a partial refund Satisfaction Guarantee 93 Buyer has proposed a partial refund and return Satisfaction of some deliveries Guarantee Cmm Description Not paid If additionally pmtq amount 0 00 The order does not exist OR it has been created but no payment method have been chosen If additionally pmtg paymentmethod and pmtg amount are present in the response An order has been created and a payment method have been chosen but Maksuturva does not know yet if the payment has been or will be successful or not The customer has paid the transaction but the delivery information has not yet been given or transmitted to Maksuturva As soon as the delivery has been done or started the delivery information should be given or transmitted to Maksuturva Paid and the delivery is under way OR the order has been delivered to the buyer and the inspection period is effective OR the inspection period has passed or is not applicable i e Direct payment service but the order has not yet been settled to webstore The order has been settled to webstore The money amount will land on the vendor s bank account within a couple of workdays depending on the source and target banks This is the final state for the transaction That is the tr
29. order number payment code or reference number Payment methods Only Uncertified Card Payments All payment methods Only E Payments Only Card Payments Only SveaWebPay Payments Only B2B Invoice Payments Transaction state Only Maksuturva Invoices and Part Payments Only PayPal Payments onpa Missing tracking code Being delivered unsettled Cancelled by payer v Settled Cancelled Date interval Select the transaction you want from the list of transaction by clicking on the payment ID order number reference number of the transaction in question and you are directed to the Transaction Information screen The data of the risk management tools Country of the issuer of the card Country of the buyer s IP address and Verification are shown on the last row of the Transaction Information section Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 181 181 Maksuturva Services Integration Guideline Transaction Information Begin cancellation J Begin partial refund Begin partial refund and return of deliveries J Creation time Transaction state State change time 27 07 2015 10 32 45 Being delivered unsettled 28 07 2015 11 15 35 Order number Payment code Reference number XXXXXX XXXXXX 99999 xxxxx XXXXX Original gross amount Original commission Original net amount 23 80 XXX 23 80 Gross amount Commiss
30. t charset t charsethttp t hashversion t hash E85A8B lt input lt form gt type hidden name pm t keygeneration OK Response examples HTTP 302 Val va Val 121 181 gt ue 1 lue R t l ity alennustuote B gt lue R t l idyn alennustuotteen value 1 gt value 15 10 2014 gt value 369 00 gt value 300 00 gt gt lt netto value 23 00 gt value 10 00 gt value 4 gt value Toimituskulut gt value Toimitustapa yms gt value 1 gt value 15 10 2014 gt value 5 00 gt value 5 00 gt gt lt netto value 0 00 gt value 0 00 gt value 2 gt value Alennus gt value Alennuskupongin koodi tms value 1 gt value 15 10 2014 gt value 10 00 gt value 10 00 gt gt lt netto value 0 00 gt value 0 00 gt value 6 gt value ISO 8859 15 gt value ISO 8859 15 gt value SHA 1 gt value 1 gt Please notice that these are both single URLs that have been splitted in multiple lines per guerystring parameter http www mytestshop fi pay re turn Success do pmt action NEW PAYMENT EXTENDED amp pmt version 0004 amp pmt id 1998524 1 amp pmt reference 00000000000019985242 amp pmt amount 568 10 amp pmt currency EUR Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 H
31. 1234 5612 3456 73 when ordering the test service Signing the order by authentication in online banking service is not necessary in testing environment Please inform us when you have completed the test order and have saved all relevant credentials so that we can activate your test environment credentials Webstore can order test service themselves using the subscription form Test environment Maksuturva Basic Maksuturva Gold eMaksut and eMaksut Laaja http test1 maksuturva fi tilaapalvelu Production environment Maksuturva Basic Maksuturva Gold eMaksut and eMaksut Laaja https www maksuturva fi tilaapalvelu Production vs test environment Please note that production and test environments are completely separate and the credentials only work in the environment they were obtained for When webstore wants to use production environment and real cash the services are found from SSL protected production address https www maksuturva fi That is for example new payment requests are sent to address https www maksuturva fi NewPaymentExtended pmt and payment status queries to address https www maksuturva fi PaymentStatusQuery pmt Also notice that test environment does not use SSL HTTP vs HTTPS The easiest way to test payment transactions is through the online banking services see banks test credentials do not try to use your own real online banking credentials Card payments require you to use real car
32. 49 Hash Hash calculated from the request fields listed below and webstore s secret key pmt action pmt version pmt selleriban only if present in reguest pmt id pmt orderid pmt reference pmt duedate pmt amount pmt currency pmt okreturn pmt errorreturn pmt cancelreturn pmt delayedpayreturn pmt escrow pmt escrowchangeallowed pmt invoicefromseller only if present in request pmt paymentmethod only if present in request pmt buyeridentificationcode only if present in request pmt buyername pmt buyeraddress pmt buyerpostalcode pmt buyercity Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 46 181 Maksuturva Payment Services Integration Guideline pmt buyercountry pmt deliveryname pmt deliveryaddress pmt deliverypostalcode pmt deliverycity pmt deliverycountry pmt sellercosts for each order row one row at a time pmt row nameN pmt row descN pmt row quantityN pmt row articlenrN pmt row unitN pmt row deliverydateN pmt row price grossN pmt row price netN pmt row vatN pmt row discountpercentageN pmt row typeN lt webstore s secret key For further information see Hash calculation Cmm 50 Secret key generation Webstore s secret key generation or version Default or initial value is 001 The delivery address pmt deliveryaddress etc of each order must represent the real address to which
33. Guarantee payment services Such response codes are marked with the following label Satisfaction Guarantee Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 54 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 4 1 Changes Date Version Change November 2010 2 5 pmt_paymentmethod details added to the response description January 2011 E New interface version 0004 REOUEST MESSAGE CHANGES IN New fields pmtg action PAYMENT STATUS QUERY New fields in hash pmtq action PAYMENT STATUS QUERY pmtg version RESPONSE MESSAGE CHANGES OUT Starting with version 0004 the character encoding of response message XML is UTF 8 Additionally the only supported response type is XML HTML is not supported anymore These changes have been made because buyer s address information received from credit check for invoice and part payment can contain characters that are not present in character sets ISO 8859 1 or ISO 8859 15 New fields pmtq action PAYMENT STATUS QUERY Added to support future versions pmtq escrow Chosen payment method included pmtq paymentmethod New fields in hash pmtq action PAYMENT STATUS QUERY pmtg version pmtq paymentmethod pmtg escrow March 2012 New interface version 0005 REQUEST MESSAGE CHANGES IN New fields pmtq certification pmtq externalcode1 pmtq externalcode2
34. Guideline Maksuturva 3 5 Delivery Information Management Version 2 1 This service enabled webstore to add change or delete order delivery information to Maksuturva Delivery information consists of delivery method and possible tracking code s Tracking code is used in case of trackable deliveries such as Posti or Matkahuolto etc Tracking codes or information of untraceable deliveries of the order can be submitted after the payment has been registered to Maksuturva Please notice that this service is only applicable to Satisfaction Guarantee payment services Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 65 181 Maksuturva Services Integration Guideline 3 5 1 Add Delivery Information Request Delivery information can added by sending the delivery method and tracking code s in a lt form gt using post method as hidden input fields input type hidden gt to address https www maksuturva fi addDeliveryInfo pmt Of http testl maksuturva fi addDeliveryInfo pmt in testing environment Field input name value Format C O Seller ID pkg sellerid AN15 C Payment ID pkg id pe 1 4 Delivery method code pkg deliverymethodid EE Delivery info to be added pkg adddeliveryinfo EN AN50 2 3 5 7 Flag telling if all delivery info has pkg allsent A pe m em o Reumswresuni aa O uu pi N1 N1 C C C C C C
35. OP Osuuspankki Kayttajatunnus 123456 Salasana 7890 Avainluku any four numbers POP Bank Kayttajatunnus 11111111 Salasana 123456 Turvaluku 123456 Turvaluku 2 123456 S Bank Kayttajatunnus 12345678 Salasana any numbers Tunnusluku any four numbers Tunnusluku 2 any four numbers Savings bank Kayttajatunnus 11111111 Salasana 123456 Turvaluku 123456 Turvaluku 2 123456 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 111 181 Maksuturva Services Integration Guideline Alandsbanken Kayttajatunnus 12345678 Salasana any numbers Tunnusluku any four numbers Tunnusluku 2 any four numbers Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 112 181 Maksuturva Payment Services Integration Guideline Maksuturva 4 2 2 Credit providers test credentials Maksuturva Invoice and Maksuturva Part Payment buyer is a PRIVATE PERSON Social Behaviour in test environment Security Number Payment succeeds Payment fails poor credit history 300890 9290 Payment succeeds but requires the buyers to identify themselves using TUPAS In this tai esim simulated situation this is because the home address from Finnish population register testaajan V est rekisteri or VRK does not match the billing and delivery address of the order oma hetu TO test this
36. PLANS AVAILABLE Usually because of too small total amount 99 ERROR See below examples Hint Tip Let s assume webstore wants to display from 31 00 per month on the product sheet This price information can be found from the first payment plan line of the longest payment plan That is start by locating the longest payment plan i e the lt PaymentPlan gt with the largest lt PaymentPlanLineCount gt value Then locate the first lt PaymentPlanLine gt and pick the lt rota1 gt value from it In the example below the longest payment plan is 24 months PaymentPlanLineCount 24 The value to pick is emphasized with blue color Request Example GET Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 100 181 Maksuturva Payment Services Integration Guideline Maksuturva https www maksuturva fi GetPaymentMethods pmt gpp sellerid SELLERID amp gpp totalamount 573 10 amp request locale en OK response example xml version 1 0 encoding UTF 8 standalone no gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt ResultCode gt 00 lt ResultCode gt lt ResultText gt SUCCESS lt ResultText gt lt SellerId gt 1234567890ABCDE lt SellerId gt lt AmountTotal gt 573 10 lt AmountTotal gt lt PaymentPlan gt lt AnnuallnterestPercentage gt 29 99 lt AnnuallnterestPercentage gt lt InterestPercentage gt 15 lt Interest
37. Response parameter descriptions Field Description Interface version Interface version of subscription message Company s business Business identification code of the company running the webstore identification code 3 Webstore WWW address Webstore WWW address where the new Maksuturva service will be used 4 Technical user id for the A user id given by Maksuturva Group Oy to the webstore to be used with technical interfaces for webstore example payment interface Technical secret key for A secret key given by Maksuturva Group Oy to the webstore to be used in calculating hash values 5 the webstore for technical interfaces for example payment interface This should never be visible to users and never be posted as part of forms User id for A user id given by Maksuturva Group Oy to the webstore to be used when using the web based KauppiasExtranet KauppiasExtranet service 7 Password for A password given by Maksuturva Group Oy to the webstore to be used when using the web KauppiasExtranet based KauppiasExtranet service State code for this State code defining the state of subscribing for a new Maksuturva service subcscription 10 asiakas ja palvelu on perustettu kunden och tj nsten r grundade the customer and the service have been founded 20 palvelu on perustettu tj nsten r grundad the service has been founded 30 aiemmin perustettu palvelu allekirjoitettiin en tidigare grundad tj nst ble
38. SAISI Es example a substitute product delivered to the buyer WHAT NEXT Wait for the vendor to contact you You can also propose a solution yourself using the Satisfaction Guarantee service or withdraw your reclamation if you will Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Detailed Order Information Buyer Delivery Transportation company Itella Print this page Order number 186 Maksuturva Payment Services Integration Guideline Vendor veka com aspa mailinator com puh 09 123 4567 Business ID Payment Payment state Paid Payment date 7 11 2014 Cooperative Bank E payment Payment amount 329 24 Payment reference number Sum to be returned 64 48 Row Type Quantity Unit price vat 96 Discount net 1 Product 1 154 52 24 0 191 60 demo 1 Faded Short Sleeve T Faded short sleeve t shirt with high neckline Soft shirts and stretchy material for a comfortable fit Accessorize with a straw hat and you re ready for summer 2 Product 2 27 00 24 096 66 96 123456 Blouse Short sleeved blouse with feminine draped sleeve detail 3 Product 2 26 00 24 96 0 64 48 demo 3 Printed Dress 100 cotton double printed dress Black and white striped top and orange high waisted skater skirt bottom 4 Postal rate 1 5 00 24 0 6 20 Posti verollinen Posti ver
39. State change time 27 07 2015 17 29 27 Cancelled by payer 27 07 2015 18 08 35 Order number Payment code Reference number 8891227 LUHFLAZSD3WZRWCATFGT 123 45678 90120 Original commission Original net amount Xxx 487 13 Gross amount Commission Netsum 573 10 xxx 487 13 dispatch delay Payer name Payment method Teemu Testaaja Cooperative Bank E payment quantity unitprice vat vate discount gross net total product number item 1 Product 2 10000 23 46006 0 24600 tuote 1 2 Tailored product 1 30000 23 6210 10 332 10 kustomoitu tuote 2 3 Postal rate 1 5 00 0 0 00 0 5 00 postituskulut 4 Discount 1 10 00 0 0 00 0 1000 A ALENNUS 1 total 573 10 Delivery information Delivery method Itella Delivery tracking code Delivery state 432100000106970 Created All delivery information has been entered Make changes to delivery information Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 166 181 Maksuturva Payment Services Integration Guideline Maksuturva In Web Buyer s services the buyer has been able to write the date on which he or she sent the product s that he or she is returning back to the web store if desired and also notify if he or she has used the products and this information is shown on the upper edge of the transaction data The web store can utilise the buyer s notification regard
40. account number forthe refund In case you deductthe sum thatis returned to the customer please note that the deduction needs to be based on law e g charging the value decrease or return cost or it shall be agreed with the customer beforehand Negative amounts e g 50 00 reduce the total value ofthe order and increase the amount refunded to the customer Use these for example if you wantto give a discounton the total value to the customer Positive amounts e g 50 00 increase the total value ofthe order and decrease the amount refunded to the customer Use these for example if you wantto charge for return delivery or value reduction of returned goods Description e g Discount or Price cut vat e g 24 net e g 50 00 or 15 00 extra discount 24 10 00 Total of changes 1240 TOTAL Total sum of the original order 573 106 Current total sum 573 106 Total sum ofthe order after changes 223 60 Sum to be returned to the buyer 349 50 Creation time Transaction state State change time 27 07 2015 17 29 27 Being delivered unsettled 27 07 2015 17 44 46 Payment code Reference number 8 LUHFLAZSD3WZRWCA 78 Original commission Original netamount xxx 487 13 Commission Netsum xxx 487 13 Estimated dispatch delay Payer name Payment method 0 Teemu Testaaja Cooperative Bank E payment row type quantity unitprice vat vat discount gross net total product number item 1 Product 2 100006 23
41. and handled by Maksuturva Group Oy Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 94 181 Maksuturva Payment Services Integration Guideline Maksuturva Campaign code NOT IN USE Might affect service agreement details and or the pricing Additional information about the Free form field for additional information subscription 49 Response type Defines the format of response Choices are POST XML Only POST is supported currently This means the user s browser is redirected back to webstore software provider s site according to given OK return and cancel URLs OK return url The URL where the browser is redirected after a successful service subscription Must include protocol http https Error return url The URL where the browser is redirected after an erroneous service subscription Must include protocol http https Cancel return url The URL where the browser is redirected if the user cancels the service subscription Must include protocol http https Hash calculation character set Defines which character set has been used to calculate the hash Choices are ISO 8859 1 ISO 8859 15 and UTF 8 default is ISO 8859 1 54 Hash algorithm Algorithm for calculating the hash For more information see Maksuturva Interface Integration Guidelines document 5 5 Hash Hash calculated from predefined message fields and the webstore software provider s secret key T
42. and reclamations made by the buyer always suspend all money transfers etc until both parties have reached an agreement That is the change is confirmed by the seller or buyer withdraws his or her proposal or reclamation The Withdrawn proposal or reclamation can be immediately replaced by another proposal If the withdrawal is done after inspection period has passed the order is settled to webstore on the next banking day In this case if buyer or webstore wants to create a new proposal or reclamation it must be done on the same day Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment Maksuturva Services Integration Guideline qut Gm Web Buyer s Services Order Tracking Thank you for your payment We have notified the vendor and we are now awaiting delivery information eDi Ni Delivery information is not yet available v MORE v Order Summary Order date Payment amount Payment state Paid 7 11 2014 57310 Cooperative Bank E payment Order number 0819587 v MORE v Web Store VEKA COM v MORE v Satisfaction Guarantee Handling of Unexpected Situations Satisfaction Guarantee ensures customer s rights to compensation if something unexpected occurs LESS J E GIVE FEEDBACK MAKE PROPOSE RETURN ITEMS CANCEL ORDER RECLAMATION DISCOUNT Powered by Suomen Maksuturva Oy www mak
43. bundle the reference number of the bundle the actual reference seen on the bank account of the recipient the gross amount of all orders included in the bundle This is the value originally expected by the webstore the actual settled net amount which is gross amount refunds Maksuturva s commissions Maksuturva s commission sum the amount refunded back to payers The report has the following elements for each order payment order id from the webstore pmt orderid the original reference number for the order provided by the webstore pmt reference the unique id originally provided by the webstore pmt id the gross amount of the order originally expected by the webstore pmt amount pmt sellercosts the actual settled net amount which is gross amount refunds Maksuturva s commissions Maksuturva s commission sum the amount refunded back to payer Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 86 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 7 3 2 Report hash The hash for checking the integrity of the XML report is calculated from the following fields version timestamp sellerid resultCode hashVersion keyGeneration secret key which is not included in the XML report itself For further details see section Hash Calculation Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksu
44. calculating the hash but at the same time they are not visible in the web store and are not sent as part of the pmt row message field values To tackle these special character issues etc it is highly recommended that the webstore sanitizes the field values for both hash calculation and the message sent to Maksuturva This is also kind of a security enhancement To debug hash issues even in production environment but only for a short period of course webstore can use generic test credentials and the resulting diagnostics test page Webstore can the compare the string they used for hash calculation in their code and the string Maksuturva used See next page Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment Maksuturva Services Integration Guideline The string in the diagnostics test page Sis n tullutta tarkistetta tarkistettaessa k ytettiin seuraavaa dataa NEW PAYMENT EXTENDED amp 0004 amp 150 amp 150 amp 1504 amp 06 10 2014 amp 33 48 amp EUR amp http linux1 domain maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php amp http linux 1 domain maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php error 1 amp http linux1 domain maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php cancel 1 amp http linux1 domain maksuturva fi testaus testikaupat asi
45. code or the submitted text in case of untraceable delivery YY Delivery status see section Delivery status code values Sum of pmtq sellercosts The total sum of delivery and AN17 delivery and handling costs of the order handling The amount must be presented with costs ofthe two decimals The decimal delimiter order is a comma e g 7 40 F pmtq trackingcodes Tracking codes or information of Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 58 181 Payment pmtq paymentmethod Method Escrow is pmtq escrow being used 2 Verification pmtq certification Payment pmtg externalcode1 service response code 1 4 Payment pmtq externalcode2 service response code 2 Maksuturva Payment Services Integration Guideline Indicates what payment method the buyer chose For available codes see section Payment Method Codes Important Please do not use the values of the table above in production Instead retrieve official payment method codes and names using GetPaymentMethods pmt API see chapter Retrieve Available Payment Methods Tells whether escrow option is used Satisfaction Guarantee with this payment Values Y N payments Y The value is always Y for Satisfaction Direct payments N Guarantee payment services e g Maksuturva Gold Correspondingly the value is always N for Direct payment services e g eMaksut
46. current services 1 0 New features include payment method banner size rowscolumns and bannertype for logos Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 32 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 2 2 Retrieving the images The logo of payment service and payment methods available in webstore can be retrieved as PNG image from address https www maksuturva fi Banner pmt Of http testl maksuturva fi Banner pmt in testing environment The banner image is not created dynamically Instead there are several different sizes available from webstore to choose from The desired size is part of the image request Webstore adds the image to their site using img tag whose src parameter refers to Banner pmt API Request Field input name value Format Min C O EN Seller ID sellerid Banner s type bannertype logo payment methods vertical gt methods horizontal 3 Language code request locale locale fi en sv Default fi Banner size in rows or rowscolumns horizontal 2 6 vertical 2 20 default 3 The response is a redirect HTTP 302 to a PNG image Request examples lt img srce https www maksuturva fi Banner pmt sellerid SELLERID amp bannertype logo gt or lt img src https www maksuturva fi Banner pmt sellerid SELLERID amp bannertype payment methods vert
47. field gt pmtc cancelamount is invalid lt error gt lt errors gt lt pmtc gt Error response pmtc hash did not match the value calculated by Maksuturva lt pmtc gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 135 181 Maksuturva Services Integration Guideline pmtc action CANCEL pmtc action pmtc version 0005 pmtc version lt pmtc sellerid gt ABC123DE lt pmtc sellerid gt lt pmtc id gt 1998524 1 lt pmtc id lt pmtc returncode gt 90 lt pmtc returncode gt lt pmtc returntext gt Errors in input data specified in element errors lt pmtc returntext gt lt errors gt lt error name pmtc hash type field gt pmtc hash is invalid lt error gt lt errors gt lt pmtc gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 136 181 Maksuturva Payment Services Integration Guideline Cmm 5 7 Retrieve Settlement Reports Request example HTTP POST Requesting information about October 14th 2014 settlements lt inpu lt inpu lt input lt inpu lt inpu lt input lt inpu lt inpu value CF form method post action http testl maksuturva fi GetCompensationsByTimeInterval pmt gt t type hidden name gc action value GET COMPEN
48. handled by Maksuturva Fields submitted back must be compared against the original fields Fields that are generated by Maksuturva and submitted as part of the response must be formally validated as defined in the interface specification and in Hash Calculation chapter Hash must be calculated from the data in response and that hash must be compared with the pmt_hash field of the response Calculated value may not differ from the one in response If all the checks above are successful the response can be handled as a valid one Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 27 181 Maksuturva Services Integration Guideline 3 Technical Interface Descriptions All request to Maksuturva s production environment are done using encrypted HTTPS protocol That is for example https www maksuturva fi NewPaymentExtended pmt The encryption ensures no interface call information is visible to outsiders and also ensures that the actual response party is a genuine Maksuturva service On the other hand all test requests to the test environment are done using unencrypted HTTP protocol For example nttp testi maksuturva fi NewPaymentExtended pmt For more details see chapter Testing All Maksuturva service interfaces or APla share a common parameter webstore ID or merchant id or Technical interface account pmt sellerid The paramet
49. has confirmed using the credit transfer or giro payment method which means the payment has not yet been registered A querystring parameter Payment ID pmt id is appended to this URL before redirection Credit transfer or giro is not supported nowadays in of the shelf payment services This is why we suggest using same address for both cancel and delayed payment return address pmt delayedpayreturn pmt cancelreturn Tells whether escrow option is used with this payment Values Y N The value is always Y for Satisfaction Guarantee payment services for example Maksuturva Gold Similarly the value is always N for Direct payment services for example eMaksut Currently always N Parameter can be used if the chosen payment method is invoice or part payment Y webstore will send an invoice to the payer N DEFAULT Maksuturva or the Credit Provider will send an invoice to the payer Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 44 181 Payment method pre 20 Buyer s social security chosen in webstore number or company s business identification code Buyer s name Buyer s billing address Buyer s postal code Buyer s city Buyer s country code 26 Buyer s phone number Maksuturva Payment Services Integration Guideline OPTIONAL Payment method s code Finn Please check the possible values from chapter Response parameter descriptions
50. of the action by email and refunds the payment to the buyer NOTE Do not process a cancellation until you have got back any product returns related to the transaction Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 169 181 Maksuturva Services Integration Guideline 7 2 4 4 Review of reclamation made by buyer A reclamation made by a buyer is also shown in KauppiasExtranet in the status of cancelled by buyer No actions can be taken for reclamations through KauppiasExtranet and you can only review the content of a reclamation A reclamation can be removed only by a buyer after the reason related to the reclamation has been clarified NOTE While a reclamation is underway Maksuturva will not settle a payment forward Delivery information Cancel type Reclamation reconciliation Payer s cancel reason Item does not correspond to order Payer s cancel The color looked different on the web description Delivery method Itella Delivery tracking code Delivery state JJEI65432100000106370 gt Delivered All delivery information has been entered Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 170 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 2 4 5 Making changes SveaWebPay and B2B Invoice If a web store is using SveaWebPay Invoice or P
51. pmt amount The amount amount must be presented with two decimals The decimal delimiter is comma e g 94 80 Payment The payment currency Same value as in send in Payment API pmt currency currency 7 Cancellation Tells whether this is type a full refund FULL REFUND a reduction of price PARTIAL REFUND a partial return of deliveries PARTIAL REFUND AND RETURN OF DELIVERIES Amounttobe Amount to be refunded Decimal number with comma and two decimal digits for example refunded 15 00 Important Used only in case of partial refunds That is this parameter should be ommited if cancellation type is full refund FULL REFUND Buyer s refund This is only applicable if webstore has separately acquired tools from Maksuturva which allow webstore bank account to make refunds independently That is Maksuturva does not contact buyer Furthermore buyer has no Web Buyer s Services at his or her use In these cases it might be neccessary for the webstore to pass a IBAN for the refund The IBAN is only required in case on bank payments That is card payments invoice payments and part payments do not require it Important Avaiiable only if separately agreed on with Maksuturva Cancel Optional description for the refund that could be should to the buyer description 10 11 Cancelreason Optional reason for the refund that could be should to the buyer Possible values are code Code Description Response type Alwa
52. pmt buyercountry mandatory delivery city pmt deliverycity mandatory delivery country code pmt deliverycountry Changes to support credits and part payments optional parameter telling whether webstore will send invoice pmt invoicefromseller optional buyer s social security number or company s business identification code pmt buyeridentificationcode mandatory order rows Total number of order rows pmt rows Product name pmt row nameN Product description pmt row descN Product quantity pmt row quantityN Delivery date of package or service pmt row deliverydateN Gross unit price of product VAT included pmt row price grossN Net unit price of product VAT excluded pmt row price netN Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi R Maksuturva Payment Maksuturva Services Integration Guideline VAT percentage for the order row pmt row vatN Discount percentage of order row pmt row discountN Type of the order row pmt row typeN Mandatory seller s or vendor s handling and postal cost pmt sellercosts New hash pmt action pmt version pmt selleriban only if available pmt id pmt orderid pmt reference pmt duedate pmt amount pmt currency pmt okreturn pmt errorreturn pmt cancelreturn pmt delayedpayreturn pmt escrow pmt escrowchangeallowed pmt invoicefromseller only if available pmt paymentmethod only i
53. pmtg externaltext Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 55 181 Maksuturva Services Integration Guideline pmtg paymentstarttimestamp pmtg paymentdate New fields in hash pmtq certification pmtq paymentdate Additionally fixed description of pmtq amount October 2013 5 0 1 Added important section How and when to use January 2014 5 0 2 Fixed response status code 99 description April 2014 0 Added new payment methods Maksuturva Invoice Maksuturva Part Payment September 2014 5 0 4 Renamed Aktia Savings Bank and POP Bank payment methods October 2014 5 0 5 Standardized some terminology about payment service types troughout the documentation Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 56 181 Maksuturva Payment Services Integration Guideline 3 4 2 Reguest parameter descriptions Cmm Payment status query is possible as soon as the payment has been successfully received and saved by Maksuturva Group Oy Webstore delivers the query parameters in a lt form gt using post method as hidden input fields input type hidden tO address https www maksuturva fi PaymentStatusQuery pmt Of nttp testi maksuturva fi PaymentStatusQuery pmt in testing environment 2 Message version Seller ID Secret key generation
54. products and services of the order Information on the country and language choices of the buyer CC where ll is a two character ISO 639 1 language code and CC is a two character ISO 3166 alpha 2 country code The default fi FI will be used if the locale is null For example sv Fl and en FI will be accepted The total gross sum of row types 1 4 5 and 6 If the order does not contain any postal or handling cost rows types 2 and 3 then this is the total amount of the order The amount must be presented with two decimals The decimal delimiter is a comma e g 94 80 11 Payment currency Currency used for the payment Always EUR Ok return address URL 14 Cancel return address Error return address URL Delayed payment return address URL 18 Escrow must be used Escrow option changeable by buyer Will webstore sends an invoice to the payer The url to which the buyer s browser will be directed to in case of confirmed payments the order has been paid The error url to which the buyer s browser will be directed to if there is an error in the paying process A querystring parameter Payment ID pmt id is appended to this URL before redirection The cancel url to which the buyer s browser will be directed to if the buyer interrupts the paying process A querystring parameter Payment ID pmt id is appended to this URL before redirection The url to which the buyer s browser will be directed to if the user
55. row net unit price pmt row price netN n nn AN17 4 C O VAT excluded e g 10 00 Order row VAT pmt row vatN n nn AN5 4 C percentage e g 24 00 Order row Discount pmt row discountpercentageN n nn AN5 4 C percentage e g 10 00 45 Order row type pmt_row_typeN 1 product N5 1 C 2 postal cost 3 handling cost 4 customized product not eligible for returns 5 service 6 discount Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi N el eff ef ef B 8 EI 8 318 8 9 afl 8 8 8 R R W N O 42 181 Maksuturva Payment Services Integration Guideline Maksuturva 46 Hash calculation pmt_charset ISO 8859 1 character encoding ISO 8859 15 UTF 8 47 Character encoding pmt charsethttp ISO 8859 1 of input data and of IS0 8859 15 webstore UTF 8 Secret key generation pmt keygeneration N lt Not that ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional C O means that the field is conditionally compulsory for example two alternative fields pmt row price grossN and pmt row price netN Of which one and only one must be present An optional field may be missing altogether have an empty value or have a value of at least the minimum length That is minimum length does not make a field mandat
56. s Services or in accordance with instructions given in them Transaction Information Begin cancellation Begin partial refund J Begin partial refund and return of deliveries J After clicking on one of the buttons above you will come to the form Cancel Information For every change event a cancellation a reason must be selected and a more detailed explanation given to the buyer Cancel information Once you have cancelled the order we will send an email notification to the payer As soon as the payer has confirmed the cancellation for his her part we will refund the money to the payer s bank account Cancel reason According to merchant product is out of stock Cancel Back to Transaction Information Cancel description Unfortunately we have run out showed to the payer of the items in question and will not be able to deliver them before October Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 157 181 Maksuturva Services Integration Guideline 7 2 4 2 1 Cancellation of entire order Cancellation of an order means cancellation of all products Select the reason provide an explanation and click Cancel on the form An email explaining the changes made is automatically sent to the buyer The sum paid by the customer is refunded at midnight in its entirety If necessary the system asks the b
57. service does not accept the order and returns an error As the payment fails the web store rejects the order and order number 1 is left unused for the next order In the future all the orders are given the order number 1 and pmt id 0001ABC and as they all are always rejected no new payments can be successfully made before the order numbering has been manually changed to start from a bigger order number Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 142 181 Maksuturva Payment Services Integration Guideline Maksuturva 6 1 2 hash value is invalid error fields generic pmt_hash Errors in Payment message hash value is invalid This error can occur with all interface requests that require hash verification The hash is generated by first concatenating message fields and a secret key into a single string where each field is separated by a amp character Difference in one character results into different hash value The secret key is never sent as part of the message Its only purpose is to be a secret part of the string from which the hash is calculated from only known by web store and Maksuturva This means that even if outsider could get their hands on all the information in the message they can not generate a hash value that would match the hash value calculated in the receiving end because of the unknown salt that the secret key is Yet web store s
58. set used by the web store This is important because it defines how Maksuturva payment system will decode the parameters Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 98 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 9 1 Tips for hash calculation It is highly recommended to copy and paste e g the secret key through for example Notepad or some other plain text editor It is common problem that the hash calculation fails simply because there are invisible whitespaces or line feeds carriage returns in the value when it has been copied from rich text editors e g MS Word or email clients e g MS Outlook At first test your hash calculation with messages that have NO special characters umlauts or other than US ASCII character set for that matter That is first try with an order without any special or control characters and without European national letters like AOA If hash mismatches with messages that contain any of the aforementioned characters it is obvious there is something wrong with characters set something else is used for calculation than told in the message Hash calculation character encoding pmt_charset This field tells the character set that has been used to calculate the hash value for input data Currently supported values are ISO 8859 1 ISO 8859 15 and UTF 8 Hash calculation is always done from binary data whic
59. the webstore must have agreed with Maksuturva that optional TUPAS has been enabled for the webstore s payment service agreement Optional TUPAS enables buyers to pay by invoice without identifying themselves using TUPAS when all three addresses match billing delivery and VRK In case of Maksuturva Invoice and Maksuturva Part Payment the credit provider s test environment does not actually compare the billing address with the address found from Finnish population register Instead they are always considered equal SveaWebPay Invoice and SveaWebPay Part Payment buyer is a PRIVATE PERSON Social Billing Behaviour in test environment Security address Number 160264 999N Atomitie Maksaminen onnistuu 111248 999c anything Maksaminen ei onnistu 261295 9985 170172 998J SveaWebPay palvelusta saadun vastauksen perusteella Laskulla or any other maksamista ei valitettavasti voida hyv ksy real SSN Voit halutessasi valita toisen maksutavan SveaWebPay Invoice and SveaWebPay Part Payment the test environment does compare delivery address and with the Finnish population register address returned by SveaWebPay If these do not match payment service displays a clear message telling about this It also displays the address that was expected as the delivery address SveaWebPay Invoice buyer is a CORPORATE Finnish Billing Behaviour in test environment Business address Identity code 9999999 2 Testitie 1 Maksaminen onnistuu
60. 0 00 gt gt lt netto value 0 00 gt value 0 00 gt value 6 gt value ISO 8859 15 gt value ISO 8859 15 gt value SHA 1 gt value 1 gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 120 181 Maksuturva Payment Services Integration Guideline Maksuturva Webstore return addresses contain querystring Buyer has chosen payment method Maksuturva Invoice FI60 in the webstore form method post action http test1 maksuturva fi NewPaymentExtended pmt gt lt input type submit value Pay gt lt input type hidden name pmt action value NEW PAYMENT EXTENDED gt lt input type hidden name pmt version value 0004 gt lt input type hidden name pmt sellerid value ABC123DE gt lt input type hidden name pmt id value 1998524 1 gt lt input type hidden name pmt orderid value 1998524 gt lt input type hidden name pmt reference value 19985242 gt lt input type hidden name pmt duedate value 15 10 2014 gt lt input type hidden name pmt userlocale value fi FI gt lt input type hidden name pmt amount value 568 10 gt lt input type hidden name pmt currency value EUR lt input type hidden name pmt okreturn value http www mytestshop fi pay return Success do paid 1 gt l
61. 0180 gt lt input type hidden name pmt deliverycity value Helsinki gt lt input type hidden name pmt deliverycountry value FI gt lt input type hidden name pmt sellercosts value 5 00 gt lt input type hidden name pmt rows value 4 gt lt input type hidden name pmt row namel value Tuote A gt input type hidden name pmt row descl value Tuotteen A kuvaus gt input type hidden name pmt row quantityl value 2 gt lt input type hidden name pmt row deliverydatel value 15 10 2014 gt lt input type hidden name pmt row price grossi value 123 00 gt lt lt input type hidden name pmt row price netl value 100 00 lt netto vaihtoehtoinen brutolle gt lt input type hidden name pmt row vati value 23 00 gt lt input type hidden name pmt row discountpercentagel value 0 00 gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm kuvaus gt lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt lt input type hidden name pm vaihtoehtoinen brutolle gt lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm
62. 1 L amp Helsinki amp FI amp Teemu Testaaja amp Testikatu 1181111 1 amp Helsinki amp FI amp O O0 amp Blovse amp Shert sleeved blouse with feminine draped sleeve detail amp 2 amp 0806 10 2014833 48824 0040 008 amp Printed Chiffon Dress amp ePrinted chiffon knee length dress with tank straps Deep v neckline amp L amp 0 amp 06 10 2014820 34 amp 24 00 amp 0 00 amp L amp Nouto amp Nouto amp 1 amp 06 10 2014 amp 0 004 0 00 amp 0 00 amp 2 amp salainen avain amp OK paluuvastauksen tarkistetta luotaessa kaytettiin seuraavia kenttia These fields were used to calculate the outgoing hash value for OK rerum pmt action pmt version pmt id pmt reference pmt amount pmt currency pmt sellercosts pmt paymentmethod oletusarvo F101 jos ei ollut sis n tulevassa sanomassa pmt escrow OK pahmrvastauksen tarkistetta luotaessa k ytettiin seuraavaa dataa This data was used to calculate the outgoing hash for OK return NEW PAYMENT EXTENDED amp 0004 amp 140 amp 1407 amp 87 30 amp EUR amp O 00 amp FIOl amp Y amp salainen avain gt amp Kaikki vastaanotetut tiedot All received information pmt aetion NEW PAYMENT EXTENDED pmt version 0004 pmt sellerid testikauppias pmt selleriban ull pmt id 140 pmt orderid 140 pmt reference 1407 pmt duedate 06 10 2014 put userlocale null pmt amount 8730 pmt currency EUR pmt okretum http naksuturva fi testaus testikaupat asiakastesti modules maksuturva vzlidation php pmt_errorretum http maksuturv
63. 28f043d pmt keygeneration 001 942021Te7deaf 1534ab954b6cbOddSb2e51 Tc TdHbcd ec d 128b561 f If the message was erroneus that is told in the beginning of the diagnostics page For example when the hash was invalid Sent message had errors in following fields Errors in Payment message e Hash value 1s invalid Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva 8 Maksuturva Payment 107 181 Maksuturva Services Integration Guideline 4 1 1 Sandbox testing requests of service intercafes New Payment testing Check that the field values correlate with the API descriptions and for example that the payment reference pmt reference has been calculated or created correctly The diagnostics test page contains links for simulating ok cancel and error returns to webstore Payment Status Query testing In case of generic test credentials the service returns a random response code Delivery Information Management testing only applicable for Satisfaction Guarantee payment services Check that the field values correlate with the API descriptions and for example that the delivery info parameters do not contain invalid data The service cannot validate delivery info i e tracking codes perfectly but for the most part it performs well with Finnish major logistics companies tracking codes See currently supported delivery method codes
64. 42 mobile phone number of the mobile phone number of the company s technical contact person company s technical contact person Fax of the company s technical Fax of the company s technical contact person contact person 44 Payment methods for the Codes for payment methods that the webstore desires to use via Maksuturva service webstore Possible codes can be found in section Payment Method Codes The first character of the field defines a separator and may not be part of any payment method code Recommended is semicolon The first character must be a separator even if the field data contains only one payment method code If this field is not present the service will be assigned all available payment methods 45 Delivery methods for the webstore Codes for delivery methods that the webstore desires to use with Maksuturva service Possible codes can be found in section Delivery Method Codes The first character of the field defines a separator and may not be part of any delivery method code Recommended is semicolon The first character must be a separator even if the field data contains only one delivery method code If this field is not present the service will be assigned all available delivery methods Service begin date for the Desired service begin date for the webstore s Maksuturva service webstore s Maksuturva service If this is not given service will start immediately when the agreement has been signed
65. 48894BE77AC498ED852D4526005F03B3E76791F4D3ACC lt pmtg hash lt pmtg sellerid gt ABC123DE lt pmtg sellerid gt lt pmtg sellercosts gt 5 00 lt pmtg sellercosts gt lt pmtg version gt 0005 lt pmtg version gt lt pmtg gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 130 181 Maksuturva Payment Services Integration Guideline Maksuturva 5 5 Delivery Information Management AddDeliveryInfo Request examples Adding Posti tracking code but not the last one pkg allsent n form action http testl maksuturva fi addDeliveryInfo pmt input type hidden name pkg version value 0002 gt lt input type hidden name pkg sellerid value ABC123DE gt lt input type hidden name pkg id value 1998524 1 gt lt input type hidden name pkg deliverymethodid value ITELL gt input type hidden name pkg adddeliveryinfo value JJFI12345612345123456 gt input type hidden name pkg allsent value N gt lt input type hidden name pkg forceupdate value N gt lt input type hidden name pkg resptype value HTML gt lt lt input type hidden name pkg return value gt gt lt input type hidden name pkg hashversion value SHA 256 gt lt input type hidden name pkg hash value CFDDF22DD538FFECF6F784F5E10C88A3704ED597E700DE6A36979D868574B8C4 gt lt input type hidden nam
66. 56 lt hashVersion gt lt keyGeneration gt 1 lt keyGeneration gt lt hash gt E 7B E30D784 E97F98673E28F2570CF69AEE03810BE51E O FA773FD0EGADAC99547 lt hash gt lt compensa tions gt lt compensation gt lt compensationCode gt 10000000000000000000 lt compensationCode gt lt compensationType gt BUNDLE lt compensationType gt lt compensationDate gt 2014 10 14T14 27 12 000 03 00 lt compensationDate gt lt reference gt 00000000000000001232 lt reference gt lt grossAmount gt 1146 20 lt grossAmount gt lt netAmount gt 1051 44 lt netAmount gt lt refundedAmount gt 0 00 lt refundedAmount gt lt commission gt 94 76 lt commission gt lt orders gt lt order gt lt bundleCode gt 10000000000000000000 lt bundleCode gt lt orderNumber gt 1998524 lt orderNumber gt lt originalReference gt 19985242 lt originalReference gt lt paymentId gt 1998524 1 lt paymentId gt lt sellerGrossAmount gt 573 1 lt sellerGrossAmount gt lt sellerNetAmount gt 564 31 lt sellerNetAmount gt lt refundedAmount gt 0 lt refundedAmount gt lt commission gt 8 79 lt commission gt lt buyerPaymentDateTime gt 2014 09 27T00 00 00 000 03 00 lt buyerPaymentDateTime gt lt order gt lt order gt lt bundleCode gt 10000000000000000000 lt bundleCode gt lt orderNumber gt 2000301 lt orderNumber gt lt originalReference gt 20003016 lt originalReference gt
67. 97E700DE6A36979D868574B8C4 lt pkg hash lt pkg resulttext gt OK lt pkg resulttext gt lt pkg sellerid gt ABC123DE lt pkg sellerid gt lt pkg id gt 1998524 1 lt pkg id gt lt pmtg gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Maksuturva Payment Services Integration Guideline 5 6 Payment refunds and cancellations Request examples HTTP POST Full refund form method post action http testl maksuturva fi PaymentCancel pmt gt lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu paasseet lt inpu lt inpu lt inpu lt inpu value C1 lt inpu lt inpu lt form gt Partial refund of 150 00 133 181 t type hidden name pmtc action value CANCEL gt t type hidden name pmtc version value 0005 gt t type hidden name pmtc sellerid value ABC123DE gt t type hidden name pmtc id value 1998524 1 gt t type hidden name pmtc amount value 568 10 gt t type hidden name pmtc currency value EUR t type hidden name pmtc canceltype value FULL REFUND t type hidden name pmtc canceldescription value Valitettavasti tuotteet olivat loppumaan varastosta t type hidden name pmtc cancelreason value OUTOF t type h
68. F3DS5BA4AC lt pkg hash lt pkg resulttext gt OK lt pkg resulttext gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva lt pkg sellerid gt ABC123D lt pkg id51998524 1 pkg id pmtq Maksuturva Payment Services Integration Guideline E lt pkg sellerid Error Response pkg ia missing from the request lt pmtg gt lt pkg resultcode gt 99 lt pkg resultcode gt lt pkg version gt 0002 lt pkg version gt lt pkg hash gt null lt pkg hash gt lt pkg resulttext gt pkg id is a mandatory field lt pkg resulttext gt lt pkg sellerid gt ABC123D lt pkg id gt lt pmtg gt E lt pkg sellerid gt Error response pkg nasn did not match the value calculated by Maksuturva lt pmtg gt lt pkg resultcode gt 99 lt pkg resultcode gt lt pkg version gt 0002 lt pkg version gt lt pkg hash gt null lt pkg hash gt lt pkg resulttext gt pkg hash did not pass validation lt pkg resulttext gt lt pkg sellerid gt ABC123D lt pkg id gt 1998524 1 lt pkg id gt lt pmtg gt E lt pkg sellerid gt UpdateDeliveryInfo Request example form action http testl maksu lt input lt inpu lt inpu lt input lt inpu lt inpu lt input lt inpu lt inpu lt lt input lt inpu lt inpu value 0B lt inpu lt inpu lt form gt type hidden
69. Feedback statistics Company information Name Marketing name Verkkokauppa Oy Veka Phone Fax 35891234567 Street address PO Box Verkkokatu 1 PL 123 Postal code City 00180 Helsinki Other addresses Company s www address http www yritys Facebook address Twitter address Country Finland Street address Postal code Laskutusosoite 123 00181 Webstore address Street address Postalcode Kauppakatu 1 00180 Contact persons City Helsinki City Helsinki Name Phone Veijo Verkkokauppias 435891234567 Biling contact person Name Phone Leena Laskutusyhteyshenkil 35893456789 Webstore information Email n testiboksi amp maksuturva Email n testiboksig maksuturva Name www address veka com Customer service http www verkkokauppa fi Email Phone it testiboksi maksuturva fi 235891234567 Opening hours Other info arkisin klo 9 15 puh 09 123 4567 Copyright Person Veka com asiakaspalvelu 2015 Maksuturva Group Ltd Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 172 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 4 Service Information Information about your Maksuturva service is found in Service Information You can request an update of your data by contacting through the KauppiasExtranet contact form When you start using the service you are provided web store specific
70. IDs for technical interfaces from the Service Information page web store ID pmt sellerid web store secret key version number of the secret key pmt_keygeneration After the first payment transaction the IDs are no longer shown It is possible to declare a web store s terms and conditions for customer returns in KauppiasExtranet Maksuturva uses the data given when it instructs a buyer in connection with customer returns Additionally the information is available from the web store s certificate page where a customer can easily review a web store s key terms and conditions of payment and delivery Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Services Integration Guideline Service Information Service Package Service name Activation date Bank account number for Maksuturva Gold 27 07 2015 settlements F134 5555 0000000 Xx Transaction commission Price Card payment Visa Visa 0 50 1 9 min 0 50 89 00 month Electron MasterCard 1 00 0 0 min 1 00 Maksuturva Invoice 0 0 min 0 00 Maksuturva Installment 0 0 min 0 00 SveaWebPay prices Check your specific prices from your agreement or from Maksuturva s customer service The prices below are default prices B2B Invoice s transaction commission is 2 45 2 95 ofthe total amount Invoice s transaction commission is 2 45 2 95 o
71. ISO 3166 1 standard Default FI Name of the company s contact Name of the company s contact person used by Maksuturva Group Oy to contact the person company E mail of the company s contact E mail of the company s contact person person Phone number of the company s Phone number of the company s contact person contact person Mobile phone number of the Mobile phone number of the company s contact person se contact person Fax of the company s contact Fax of the company s contact person person Name of the company s billing Name of the company s billing contact person used by Maksuturva Group Oy to contact person contact the company in billing issues E mail of the company s billing E mail of the company s billing contact person contact person Phone number of the company s Phone number of the company s billing contact person bining contact person Mobile phone number of the Mobile phone number of the company s billing contact person leian billing contact person Fax of the company s billing Fax of the company s billing contact person contact person Name of the company s technical Name of the company s technical contact person used by Maksuturva Group Oy to contact person contact the company in technical issues E mail of the company s technical E mail of the company s technical contact person contact person Phone number of the company s Phone number of the company s technical contact person technical contact person
72. Percentage gt lt MonthlyFee gt 3 00 lt MonthlyFee gt lt TotalAmount gt 591 50 lt TotalAmount gt lt TotalCapital gt 573 10 lt TotalCapital gt lt TotalFee gt 9 00 lt TotalFee gt lt TotalInterest gt 9 40 lt Totallnterest gt lt PaymentPlanLineCount gt 3 lt PaymentPlanLineCount gt lt PaymentPlanLine gt lt Capital gt 195 00 lt Capital gt lt DueDate gt 2015 06 18 lt DueDate gt lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 1 lt InstallmentNumber gt lt Interest gt 0 00 lt Interest gt lt InvoiceDate gt 2015 06 04 lt InvoiceDate gt lt Total gt 198 00 lt Total gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt Capital gt 189 14 lt Capital gt lt DueDate gt 2015 07 18 lt DueDate gt lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 2 lt InstallmentNumber gt lt Interest gt 5 86 lt Interest gt lt InvoiceDate gt 2015 07 04 lt InvoiceDate gt lt Total gt 198 00 lt Total gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt Capital gt 188 96 lt Capital gt lt DueDate gt 2015 08 18 lt DueDate gt lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 3 lt InstallmentNumber gt lt Interest gt 3 54 lt Interest gt lt InvoiceDate gt 2015 08 04 lt InvoiceDate gt lt Total gt 195 50 lt Total gt lt PaymentPlanLine gt lt PaymentPlan gt lt PaymentPlan gt lt AnnuallnterestPercentage gt 31 04 lt AnnuallnterestPercentage gt lt Int
73. Query is recommended to be used even for orders that have been cancelled before paying or seem cancelled That is status should be queried even if the buyer has returned to the webstore using cancel or error return URL The first status query could be done for example one 1 or two 2 hours after the order was placed This should tackle most situations If Maksuturva does not know the status of the payment at that point a call to corresponding bank s status query interface is triggered In some rare cases which we have seen happening the status query to the bank never succeeds but then one or two banking days later Maksuturva receives the buyer s money to the customer assets bank account When that happens Maksuturva marks the transaction as paid and from that point on the Payment Status Query API will report the order as paid Therefore f or orders that stay in an unknown payment state it could be a good solution to poll Maksuturva s Payment Status Query for example once a day for a period of a few banking days after the order was placed About response codes briefly Some status codes related to Satisfaction Guarantee payment services indicate that the webstore should react in some way Response code 20 The buyer has paid the order but the delivery information has not yet been given or transmitted to Maksuturva As soon as the delivery has been started or done the delivery information should be given or transmitted to Maksuturva
74. SATIONS gt t type hidden name gc version value 0001 gt t type hidden name gc sellerid value ABC123DE gt t type hidden name gc begindate value 14 10 2014 gt t type hidden name gc enddate value 14 10 2014 gt t type hidden name gc hashversion value SHA 256 gt t type hidden name gc keygeneration value 001 gt t type hidden name gc hash DDF22DD538FFECF6F784F5E10C88A3704ED597E700DE6A36979D868574B8C4 gt t type submit value Hae raportti lt inpu form Esimerkkej XML vastauksista HTTP RESPONSE OK Response containing a single settlement done using the webstore s original payment reference pmt reference ns2 getCompensationsResponse xmlns ns2 https www maksuturva fi smtschema GetCompensationsResponse xsd gt lt version gt 0001 lt version gt lt timestamp gt 2014 10 16T14 14 51 000 03 00 lt timestamp gt lt sellerId gt ABC123DE lt sellerId gt lt resultCode gt 00 lt resultCode gt lt resultText gt OK lt resultText gt lt hashVersion gt SHA 256 lt hashVersion gt lt keyGeneration gt 1 lt keyGeneration gt lt hash gt 9B7ADF7633688101301E8F7617 lt compensations gt lt compensation gt E996777D329A390F56FD135BE0122C46745BEC hash lt compensationType gt SINGLE lt compensationType gt lt compensationDate gt 2014 10 14T00 00 00 000 03 00 lt compensationDate gt lt reference gt 00000001234567890120 lt reference
75. The sum to be refunded is refunded to the buyer at midnight If necessary the system asks the buyer for the bank account number to which the refund is deposited Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 160 181 Maksuturva Payment Services Integration Guideline Maksuturva Cancel info Once you have accepted PARTIAL REFUND AND RETURN OF DELIVERIES we will send an email notification to the payer As soon as the payer has confirmed the cancellation for his her part we will refund the agreed money amount to the payer Please do not confirm the partial refund until you have received the retumed deliveries Cancel reason Choose Make partial rerund Back to Transaction Information Cancel description showed to the payer Products services to cancel type item product number row quantity unitprice vat vattotal discount gross Return qty net Product tuote 1 2 10000 23 4600 0 24600 m Tailored product kustomoitu tuote 2 2 1 30000 23 6210 10 33210 n Postal rate postituskulut 3 1 500 0 0 00 0 500 Ko Discount ALENNUS 1 4 1 1000 0 0 00 0 1000 0 p total 573 106 Additional change rows Here you can make changes to the order The changes made are confirmed as such and no confirmation is requested from the buyer unless we have to inquire buyers back
76. You can search for transactions based on payment method If card payments are used you can use this to easily search for unverified card transactions for review More information on card payments and risk management tools is available in section 7 7 Risk management of card payments You can also search for transactions with time period and transaction status When using time period to search you can select whether to direct the search to generation time or to the date and time of a status Generation time refers to the point in time when a transaction is generated Time of status refers to point in time when the transaction has entered its current status For example Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 150 181 Maksuturva Payment Services Integration Guideline Maksuturva Search for all transactions over the time period 1 April 30 April 2015 If generation date is selected all transactions generated in April come to the report In this case it s possible the crediting does not occur until May f status date is selected transactions that have entered the searched status for example credited during April come to the report In this case there may be transactions that have been generated as early as March Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm 7 2 3 Trans
77. a fitestaus testikaupat astakastestumodules maksuturva validation php error 1 puut cancelretum dup maksuturva fi testavs testikaupat asiakastesti modules maksuturva validation php cance 1 pmt_delayedpayreturn http maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php delayed 1 pmt estimateddaystodelivery null pmt escrow Y pmt escrowchangezllowed N put buyeridentificationcode null pmt buyemame Teemu Testaaja pmt buyeraddress Testikatu 11 pit buyerpostaleode 11111 pmt buyercity Helsinki pmt buyercountry H pmt buyerphone null pmt buyeremail eetu komsi maksuturva fi pmt_deliveryname Teemu Testaaja pmt deliveryaddress Testikatu 11 puut deliverypostalcode 11111 pmt deliverycity Helsinki pmt deliverycountry H pmt sellercosts 0 00 pmt orderinformation mull RIVI TUOTENRO M RA YKS TOIM P IV BRUTTO merre VAT ALE TYYPPI more 1 e 2 06 10 2014 33 48 EUR 27 00 EUR 24 0 0 0 PRODUTI Blouse Pow dasel Short sleeved blouse with feminine draped sleeve detail pmt orderinformation decoded OR pmtiowN data2 o 1 06 10 2014 20 34 EUR 16 40 EUR 24 0 9 0 PRODUCTI Printed chiffon Dress row desc2 Printed chiffon knee length dress with tank straps Deep v neckline 3 06 10 2014 0 00 EUR 0 00 EUR 0 0 0 0 DELIVERY COST 2 nouto row desc3 Nouto pmt charset UTF 8 pmt charsethttp UTF 8 pmt hashversion SHA 512 pmt hash cf9ee00286c 1f2ac7dca85d4327d07fa73bdf8644a579f773af8598217
78. accepted PARTIAL REFUND we will send an email notification to the payer As soon asthe payer has confirmed the cancellation for his her part we will refund the agreed money amount to Cancel reason Amountto be refunded Cancel description showed to the payer Transaction Information the payer Choose max 487 12 Back to Transaction Information Creation time 27 07 2015 17 29 27 Original gross amount 573 10 Gross amount 573 10 Estimated dispatch delay 0 Order rows Transaction state Being delivered unsettled Payment code LUHFLAZSD3WZRWCATFGT Original commission XXX Commission XXX Payer name Teemu Testaaja State change time 27 07 2015 17 44 46 Reference number 123 45678 90120 Original net amount 187 43 487 1 Net sum 487 13 Payment method Cooperative Bank E payment row type product number 1 Product 2 Tailored product 3 Postal rate 4 Discount Delivery information quantity unitprice vat vate discount gross net total item 2 100 008 23 4600 0 246 00 tuote 1 1 300 00 23 62 10 10 332 10 kustomoitu tuote 2 1 5 00 0 0 00 0 5 00 postituskulut 1 10 00 0 0 00 0 10 00 ALENNUS 1 total 573 10 Delivery method Itella Delivery tracking code JJFI65432100000106970 Delivery state Created All delivery information has been entered Maksuturva Suomen Maksuturva Oy Ruoholah
79. action list Maksuturva Payment Services Integration Guideline 151 181 After searching for transactions with certain criteria or clicked on the status link of pending transactions you get a list of transactions according to the search criteria Gr Level ABOUT SEL CERTIFICATES Creaton Sme 27 07 2015 16 13 06 27 07 2015 15 41 37 27 07 2015 15 24 34 27 07 2015 14 16 36 Payer name order number payment code or reference number Payment methods Date interval Transacton state Payment code Payer name Order number Payment method Reference number idv Maksuturva iq staliment Show transaction information XXX OX p Danske Bank Web payment BES Nordea E mens payment BAS Nordea E Transactions Summary Settlements All payment methods M 2015 07 20 2015 07 27 Creation date State change date A Unpaid Missing tracking code Being delivered unseted Cancelled by payer Settied Cancelled Transacton state State Gross amount Commission Net amount change time Missing tracking 27 07 2015 139 00 xxx 139 00 code 16 19 40 Missing tracking 27 07 2015 87 00 xxx 56 00 code 154400 Missing tracking 27 07 2015 31 00 xxx 20 00 code 15 25 39 Missing tracking 27 07 2015 54 00 xxx 53 00 code 14 17 46 The transaction list can be generated in CSV format directly into excel by clicking on the Save search results as CSV file link at the end of the list Click on the ID order nu
80. akastesti modules maksuturva validation php delayed 1 amp Y amp N amp Teemu Testaaja amp Testikatu 11 amp 11111 amp Helsinki amp FI amp Teemu Testaaja amp Testikatu 11 amp 111 11 amp Helsinki amp FI amp 0 00 amp Blouse amp Short sleeved blouse with feminine draped sleeve detail amp 1 amp 0 amp 06 10 2014 amp 33 48 amp 24 00 amp 0 00 amp 1 amp Nouto amp Nouto amp 1 amp 06 10 2014 amp 0 00 amp 0 00 amp 0 00 amp 2 amp salainen avain gt amp The string from webstore logs Mon Oct 06 17 23 40 2014 error client 192 168 0 57 concatenated string to hash NEW PAYMENT EXTENDED amp 00046150 amp 150 amp 1504 amp 06 10 2014 amp 33 48 amp EUR amp http ma ksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php amp http maksuturva fi testaus testikaupat asiakastesti modules maksuturva val idation php error 1 amp http maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php cancel 1 amp http maksuturva fi te staus upat asiakastesti modules maksuturva validation php delayed 1 amp Y amp N amp Teemu Testaaja amp Testikatu 11 amp 11111 amp Helsinki amp FI amp Teemu Testaaja Testikatu 11 amp 11111 amp Helsinki amp FI MB sleeved blouse with feminine draped sleeve detail amp 1 amp 0 amp 06 10 2014433 48 amp 24 00 amp 0 00 amp 1 amp Nouto amp Nouto amp 1 amp 06 10 2014 amp 0 00 amp 0 00 amp 0 00 amp 2511223344556677889900 amp 5 r http maksuturva fi testaus testikaupat asiakastesti fi gui
81. al GU a uu uu uuu Ls e kaa aitaks T 3 9 1 lips Tor hash calculation a uu u u oom TONER 3 10 Retrieve Maksuturva Part Payment payment plans sss LMEIIU R c S E 1 4 1 Generic test credentials SandboOX iuui ibn kaa laata aal 1 4 1 1 Sandbox testing requests of service intercafes 1 4 2 Personal test credentials unc bead AA ORAN 1 4 2 1 Internet banks test credentials inita nosci nuo Vo patet maaala aka 1 4 2 2 Credit Providers test credentials 1 D SEE AUN MD SS ter AANGAL aa AA AG 1 5 1 Retrieve Available Payment Methods per order wmnnnrnrr 1 5 2 Retrieve Dynamic Image Material i sssssssssssssssssssssssssssssa 1 959 2 711 EE PH 1 5 3 1 Example of payment request composition and hash calculation PHP 1 54 Payment E 1 dc P 1 5 5 Delivery Information Management aaa 1 5 6 Payment refunds and cancellations u s 1 5 7 Retrieve Settlement Reports MTM 1 PAL PAA u n SS m ma 1 6 1 What d
82. amount gt 568 10 lt pm tg paymentstarttimes tq returncode gt 20 lt pm I tq action PAYME tq escrow gt Y lt pmtg es tq returntext gt Paid and missing tracking code lt pmtg returntext gt 1 lt pmtg paymentmethod gt tg amount gt tamp gt 15 10 2014 14 16 48 lt pmtg paymentstarttimestamp gt tq Eeturnc de gt tg certification gt Y lt pmtg certification gt NT STATUS OUERY lt pmtg action gt tq id gt 1998524 1 lt pmtg id crow gt tq hash gt 3CAB3D9EA0C8 3EF9FCB843bECF864FC5111BDBC81AD66AF990E3105760C29CF6A pmtq hash tq sellercosts gt 5 00 lt tq version gt 0005 lt pm tq sellerid gt ABC123DE lt pmtg sellerid gt pmtg sellercosts gt tg version gt Payment has been confirmed and delivery info has been added Satisfaction Guarantee payment service lt pmtg gt lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pmtg gt tg paymentdate gt 15 10 tq paymentmethod gt FI0 ta amount gt 568 10 lt pm tg paymentstarttimes tq returncode gt 30 lt pm tq trackingcodes 11 tq action gt PAYMENT SI tq sellercosts gt 5 00 lt tg version gt 0005 lt pm m 2014 lt pmtq paymentdate gt tg returntext gt Paid being delivered and uncompensated lt pmtq_returntext gt 1 lt pmtg paymentmethod gt tg amount gt tamp gt 15 10 2014 14 16 48 lt pmtg paymentstarttimest
83. amp gt Ea rerturnoode s i L JJFI12345678901234567 00 pmtq trackingcodes gt tq certification gt Y lt pmtg certification C ATUS QUERY pmtq action tq id gt 1998524 1 lt pmtg id tq escrow Y pmtq escrow tq hash gt 4BC6BFA68A44CB0A432340F tq sellerid gt ABC123DE lt pmtg sellerid gt T E90B90C9844C466288FD9FFC260CEAFB4DAD3320 pmtq hash pmtq sellercosts tq version Payment has been settled to webstore lt pmtg gt lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm lt pm tg paymentdate gt 15 10 tg returntext gt Compen tq paymentmethod gt FI0 tq amount gt 568 10 lt pm tg paymentstarttimes tg returncode gt 40 lt pm tg trackingcodes gt 11 tq action gt PAYMENT SI Tm 2014 pmtq paymentdate gt sated to the seller lt pmtg returntext gt 1 lt pmtg paymentmethod gt tg amount gt tamp gt 15 10 2014 14 16 48 pmtq paymentstarttimestamp gt ta returncode gt L JIFI12345678901234567 80 x pmtq trackingcodes gt i tq certification gt Y lt pmtg certification TATUS OUERY lt pmtg action ta id gt 1998524 1 lt pmtg id tq escrow gt Y lt pmtg escrow Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 129 181 Maksuturva Services Integration Guideline lt pmtg hash gt 1A26625ABOSE7CBCFB1
84. and can be used to trace the package in Posti s tracking service MATHU Matkahuolto traceable The products are delivered as a registered Matkahuolto shipment The delivery data is delivery processed similarly as Posti s KAUKO Kaukokiito traceable The products are delivered istered Kaukokiito shipment The delivery data is delivery processed similarly as Posti s TRANS Transpoint traceable The products are delivered as a registered Transpoint shipment The delivery data is delivery processed similarly as Posti s KIITO Kiitolinja traceable delivery The products are delivered as a registered Kiitolinja shipment The delivery data is processed similarly as Posti s MYPAC MyPack traceable delivery The products are delivered as a registered MyPack shipment The delivery data is processed similarly as Posti s DBSCH DB Schenker traceable The products are delivered as a registered DB Schenker shipment The delivery data is delivery processed similarly as Posti s FEDEX FedEx traceable delivery The products are delivered as a registered FedEx shipment The delivery data is processed similarly as Posti s DHLDP DHL traceable delivery The products are delivered as a registered DHL shipment The delivery data is processed similarly as Posti s TNTNV TNT traceable delivery The products are delivered as a registered TNT shipment The delivery data is processed similarly as Posti s UPSAM UPS traceable delivery The products are deliver
85. ange date All Unpaid Missing tracking code Being delivered unsettled Cancelled by payer Settled Cancelled Transaction state State Gross amount Commission Net amount change time Cancelled by payer 27 07 2015 xxx 487 13 Products shipped 18 08 35 Cmm If a web store has already notified the delivery service in KauppiasExtranet or using the interface of the delivery information management of an order the issue is highlighted in the Transaction status column You can review and process the data of an individual transaction and the data of changes presented therein from the list by clicking on the ID number order number reference number of the transaction in question Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 165 181 Services Integration Guideline Maksuturva Payer s cancel information Cancel type Partial refund and return of deliveries Payer s cancel reason Item does not correspond to order Payer s cancel The product did suit for my needs description Payer s proposal of the 123 00 amountto be refunded Proposed products services to cancel row type quantity unitprice vat vat discount gross net total product number item 5 Refund change 1 10000 23 amp 2300 0 123 00 tuote 1 total 123 00 Transaction Information Creation time Transaction state
86. ansaction is closed The buyer has proposed a cancellation of the order The proposal waits for the webstore s confirmation Webstore should not confirm the cancellation until the buyer has returned the products If the webstore had not delivered the products the cancellation can be confirmed immediately After the confirmation the buyer will be fully refunded The buyer has proposed a partial refund of the order The proposal waits for the webstore s confirmation Webstore should not confirm the change proposal until the buyer has returned the products If the webstore had not delivered the products the change proposal can be confirmed immediately After the confirmation the buyer will be refunded The buyer has proposed a partial refund and return of some deliveries of the order The proposal waits for the webstore s confirmation Webstore should not confirm the change proposal until the buyer has Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 61 181 Maksuturva Services Integration Guideline returned the products If the webstore had not delivered the products the change proposal can be confirmed immediately After the confirmation the buyer will be refunded 95 Buyer has made a reclamation The buyer has made a reclamation Satisfaction The buyer and webstore must negotiate a solution after Guarantee which the buyer can wi
87. ansactions Abnormal data can include abruptly increased sales volumes sales to a market area in which the merchant did not previously have sales or unclear and insufficient data of the buyer If a merchant suspects the misuse of debit or credit cards or card numbers at his or her place of business Nets Maksuturva must be notified immediately Maksuturva s risk management tools The risk management tools provided by Maksuturva enable the reliable and efficient prevention of abuse in distance sales and help the merchant identify possible cases of abuse even before sending the product or service The risk management tools are available to all merchants who use Maksuturva s credit or debit card payments without additional fees A merchant can use the data from risk management tools to compare the country code of the issuer of the debit or credit card to the country code of the IP address of the buyer s browser connection and the country of delivery of the product or service given by the buyer Card issuer country Card payer IP country Verification RU RU Payment succesfully verified by MasterCard SecureCode Card issuer country Card payer IP country Verification FI FI Card issuer country Card payer IP country Verification GB FI Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 180 181 Maksuturva Payment Services Integration Guideline Maksuturva If the count
88. any s business identification code 2 Buyer s billing address 8 pmt buyeraddress 3 Buyer s postal code pmt buyerpostalcode Satisfaction Guarantee payment service Y Direct payment service N Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 41 181 Maksuturva Services Integration Guideline 8 5 Buyer s country code pmt buyercountry Fl SE EN A BE Buyer s phone number pmt_buyerphone AN40 E Buyer s email address pmt_buyeremail 6 7 8 Delivery recipient s pmt_deliveryname 9 Delivery recipient s pmt_deliveryaddress 30 Delivery recipient s pmt_deliverypostalcode 31 Delivery recipient s city pmt deliverycity AN100 ERES 32 Delivery recipient s pmt_deliverycountry Fl SE EN A2 C a e HI 33 Sum of handling and pmt sellercosts AN17 4 C delivery costs of the order mp 4 Order row count pmt rows N4 1 C pases L J s 37 Order row quantity pmt_row_quantityN Preferably an integer value AN10 1 C but also decimal number values with up to 2 decimal values are accepted e g 1 20r 1 75 8 Order row article or pmt row articlenrN AN10 product number Order row unit of pmt row unitN e g kg kpl AN3 quantity Order row delivery date pmt row deliverydateN dd mm yyyy AN10 10 C of package or service 41 Order row gross unit pmt row price grossN AN17 4 C O price VAT included Order
89. art Payment or Maksuturva B2B Invoice cancellations shall always be made through the KauppiasExtranet service Maksuturva automatically has the cancellation and credit processing handled by Svea if the payment has not yet been settled If the payment has already been settled instructions and codes for managing the transaction in the Svea Admin service are located at the end of the Transaction Information page Order management in Svea Admin This order cannot be changed in Maksuturva anymore If you want to make changes to the order you must do them in Svea Admin Follow these instructions 1 Log in to Svea Admin at https partnerweb sveaekonomi se SveaWebpayAdmin test Start aspx Username xxx Password xxx 2 After the login you can proceed to the order information page https partnerweb sveaekonomi se SveaWebpayAdmin test OrderDetails aspx Key 1 26048 xxxxxxx Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm Maksuturva Payment Services Integration Guideline 7 3 Webstore Information 171 181 Information about your company and web store are located in Webstore Information You can request an update of your data by contacting through the KauppiasExtranet contact form KauppiasExtranet Transactions Webstore Information Service Information Gee ABOUT SSL CERTIFICATES Webstore Information fe 525 Reports Contactus
90. ayeribanrefund RESPONSE PARAMETERS New fields in hash errors elementthat specifies erroneous input parameters and general errors New response code 90 Errors in input data specified in element errors Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 74 1 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 6 2 Payment Cancel Request Cancellations and refunds are allowed as long as the order is not being settled or has not been settled to webstore Webstore delivers the request parameters in a lt form gt using post method as hidden input fields lt input type hidden gt to address https www maksuturva fi PaymentCancel pmt Or nttp test1 maksuturva fi PaymentCancel pmt in test environment Field input name value Format e o 5 Payment pmtc amount N17 C amount Payment pmtc currency currency 7 Cancellation pmtc canceltype FULL REFUND type PARTIAL REFUND PARTIAL REFUND AND RETURN OF DELIVERIES Amount to be pmtc cancelamount e g 15 00 refunded Buyer s refund pmtc payeribanrefund IBAN number bank account Important Avaiiable only if separately agreed on with Maksuturva 10 Cancel pmtc canceldescription AN500 description 11 Cancel reason pmtc cancelreason A code Response type pmtc resptype XML AN4 15 Secret key pmtc keygeneration Default 001 N3 C generation sa WIN E Opt
91. ble Payment Status Queries can now receive a payment confirmation If one wishes to test a status query for a payment that is still pending in the web store but is in fact paid one needs to finalize the payment in the internet bank and let the web browser to proceed to the Maksuturva service but prevent it to redirect back to the web store This way the payment will be confirmed in Maksuturva but stays pending in the web store As the automatic redirecting from Maksuturva to the web store is instant preventing the redirection requires special tools With Firefox browsers one can use e g the Tamper Data extension which among other things enables the user to allow or abort browser forwarding e g from Maksuturva service to the web store Sandbox test page While using Sandbox test credentials in production or test environments Maksuturva does not store payment event data and therefore the payment statuses can t be inquired either For Payment Status Queries that use Sandbox test credentials Maksuturva service always responses with a random response code Sandbox credentials should therefore be used only for validating the query message or connection to the Maksuturva service but the received response codes should not be let to affect the order statuses in the web store Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 64 181 Maksuturva Payment Services Integration
92. ble answer to the question whether buyer has paid the order See full details from Payment Status Query API description Payment Status Query no Payment API response Wi Y VETAT Payment API request Payment Status Query 3 request Payment Status Query response Order Confirmation lt Order Delivery Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 23 181 Maksuturva Services Integration Guideline 2 2 Refunds and Cancellations Below one can see a couple of examples of return and cancellation processes If there s a need to make a refund to buyer after the payment has already been settled to the vendor one needs to make a refund after settlement Refunds after settlements can be made for orders paid with card Maksuturva Invoice Maksuturva Part Payment Maksuturva B2B Invoice SveaWebPay Invoice or SveaWebPay Part Payment For orders paid with online bank credentials the vendor needs make after settlement refunds him herself The vendor can make refunds after settlements in KauppiasExtranet by using its refund tools There is no technical interface for refunds after settlements nor can they be made in Web Buyer s Services Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 24 181 Maksuturva Payment Services Integration Guide
93. c are available on our website https www maksuturva fi fi ohjeet materiaalipankki materiaalit verkkokauppaan verkkomaksupainikkeet only in Finnish Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 29 181 30 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 2 Retrieve Dynamic Image Material Dynamic image retrieving API description version 1 1 This service enables webstore to retrieve image material dynamically regarding Maksuturva services using their technical user id seller id The returned image URL contents depend on payment service type configuration and features of the webstore Below are some examples of the images returned at the moment bannertype logo when payment service type is Maksuturva G bannertype logo when payment service type is eMaksut 2 Maksut O J Ga eha niikaua SoPankki O A Ka SATISFACTION GUARANTEE 24 7 MasterCard Verified by Read more Antia VISA voce visa EE mee ISA Gm bannertype payment methods horizontal amp rowscolumns 2 amp request locale en when payment service type is Maksuturva Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi R Maksuturva Payment 31 181 Maksuturva Services Integration Guideline 3 2 1 Changes Date Version Change 1 1 Image examples updated to match
94. c additional row price grossN e g 10 00 AN17 unit price VAT either gross or net must be submitted but not included both Row net unit pmtc additional row price netN e g 8 00 AN17 price VAT either gross or net must be submitted but not excluded both Row VAT pmtc additional row vatN e g for VAT 24 24 00 percentage Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 76 181 Maksuturva Payment Services Integration Guideline Maksuturva Not that ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional C O means that the field is conditionally compulsory for example two alternative fields pmt row price grossN and pmt row price netN Of which one and only one must be present An optional field may be missing altogether have an empty value or have a value of at least the minimum length That is minimum length does not make a field mandatory but when it is present in the request it must have at least the minimum length Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi R Maksuturva Payment Maksuturva Services Integration Guideline 3 6 2 1 Request parameter descriptions Field Description 5 Payment The original amount of the order Same value as in send in Payment API
95. cation You have received a user name and password from Svea Every payment method is settled as its own aggregate settlement A B2B invoice might be settled as one or several aggregate settlements or together with a SveaWebPay Invoice depending on the agreement between the web store and SveaWebPay Order management in Svea Admin This order cannot be changed in Maksuturva anymore If you want to make changes to the order you must do them in Svea Admin Follow these instructions 1 Log in to Svea Admin at https partnerweb sveaekonomi se SveaWebpayAdmin test Start aspx Username xxx Password xxx 2 After the login you can proceed to the order information page https partnerweb sveaekonomi se SveaWebpayAdmin test OrderDetails aspx Key 26048 xxxxxxx You can also go to the SveaWebPay Admin application directly at https partnerweb sveaekonomi se WebPayAdmin Start aspx Alternatively you can also go to SveaWebPay Admin through Maksuturva s KauppiasExtranet After payment has been settled to the web store instructions for managing the transaction in the Svea Admin service are found at the end of the Transaction data page Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 176 181 Maksuturva Payment Services Integration Guideline Maksuturva Accounting reports The report file is in CSV format You can open it for example with Micros
96. ck order var log httpd error log 34L 5699C Read more 3 9 Hash Calculation Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 143 181 144 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 KauppiasExtranet user manual Instructions for using the KauppiasExtranet service in online shopping version 1 8 KauppiasExtranet is a user interface offered to web stores for browsing and processing transactions that have been paid with the Maksuturva service The service is available in both the production and the test environments of Maksuturva You will receive a user name and password when you order the service using the order form or from our sales team if you order a customized service package Note that the user name and passwords for services of the production and test environment are separate KauppiasExtranet allows you to check data of orders make returns for orders made by card including in direct payment services and after payments have been settled make returns for orders paid with Maksuturva Invoice and or Maksuturva Part Payment including in direct payment services and after payments have been settled check data of your own company and web store check the data of your Maksuturva service print reports to be used for accounting for instance send feedback suggestions and requests for support to Maksutur
97. d details but your card will not be charged An authorization hold of test payment s amount is put to the card though and will be released later The exact time how Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 109 181 Maksuturva Services Integration Guideline long the amount will stay held away from the card s available funds depend on the card issuing bank usually a few business days Paying by Invoice etc is instructed separately While testing the payment status query please note the differences between status queries in different usage environments Read more 3 4 4 Payment Status Query in different environments Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 110 181 Maksuturva Payment Services Integration Guideline Maksuturva 4 2 1 Internet banks test credentials Aktia Kayttajatunnus 12345678 Salasana 123456 Turvaluku 1234 Turvaluku 2 1234 Danske Bank Must use your own customer credentials No real cash is withdrawn from your bank account Handelsbanken Kayttajatunnus 11111111 Salasana 123456 Turvaluku 123456 Turvaluku 2 123456 LahiTapiola Kayttajatunnus 12345678 Salasana any numbers Tunnusluku any four numbers Tunnusluku 2 any four numbers Nordea Tunnus 123456 Salasana 1234 Vahvistustunnus any four numbers
98. d nothing else Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 50 181 Maksuturva Payment Services Integration Guideline 3 3 3 1 Response validation Cmm Fields that are submitted from webstore to Maksuturva and back may not change while they are being handled by Maksuturva Fields submitted back must be compar Fields that are generated by Maksuturva and submitted as part validated as defined in the interface specification ed against the original fields of the response must be formally Hash must be calculated from the data in response and that hash must be compared with the pmt hash field of the response Calculated value may not differ from the one in response If all the checks above are successful the response can be hand Field 5 Sum of products and services of the order Payment currency pmt currency Sum of handling and delivery costs pmt sellercosts of the order Payment method pmt paymentmethod Escrow is being used input name pmt action pmt amount 7 pmt escrow o o 3 H a pmt_hash led as a valid one value Format C O o wc ma IG 7 N1 ANA N a lt AN128 E C C C C C C C C C Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 51 181 Maksuturva Services Integ
99. denkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 163 181 Maksuturva Services Integration Guideline 7 2 4 3 Making changes buyer initiates After receiving a delivery the buyer can use the Web Buyer s Services read more 1 3 Satisfaction Guarantee Web Buyer s Services to notify that he or she will return the entire order or a part of it but can also cancel the order or part of it in a similar manner even before he or she has even received the order Similarly the buyer can in problem situations suggest a reduction in the final sum of the order or just make a reclamation if he or she feels there has been something objectionable in the delivery In this kind of situation the settlement of the the sum of the order in question to the web store shall be suspended Payments of an order are settled to the web store after the web store has confirmed the product returns of a buyer and the sums to be returned to the buyer or in the case of a reclamation agreed with the buyer that he or she will withdraw his or her reclamation and release the payments of the order for settlement As a solution for a justified reclamation the seller can also suggest product returns or price reductions to the buyer In this case the suggestion for changes shall be made immediately after withdrawal of the reclamation no later than during the same day After a buyer has made a notification of canc
100. denkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 49 181 Maksuturva Services Integration Guideline 3 3 3 New Payment Response The response data sent webstore by redirecting buyer s browser to the ok return address in cases where buyer has successfully confirmed the payment Webstore may deliver the order immediately if wanted If the buyer interrupts the payment process the buyer s browser will be redirected to the cancel return address If there was an error in the process the buyer s browser will be redirected to the error return address These return scenarios have been briefly described already in section Payment NOTE For interrupted cancelled or erroneus payments only querystring parameter pmt id is appended to the response URL and no other parameters Usually the pmt sellercosts value in the response is exactly the same as the in the original new payment request However some payment methods make it possibly for the webstore to determine an additional invoicing fee or extra handling cost a fixed money amount In cases where the buyer chooses such payment method the invoicing fee is added as a new order row to the order by Maksuturva Also the pmt sellercosts value is increased by the same fee amount In these cases the response contains a pmt sellercosts value that is greater than the original value in the request The difference could be exactly the invoicing fee an
101. ds excluding hash protected compulsoryData array pmt action pmt version pmt sellerid pmt id pmt orderid pmt hashversion pmt keygeneration List of optional payment fields protected optionalData array pmt selleriban pmt userlocale pmt buyeremail List of compulsory order row fields protected rowCompulsoryData array pmt row name pmt row discountpercentage pmt row type List of optional order row fields protected rowOptionalData array pmt row articlenr pmt row unit Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 124 181 Maksuturva Payment Services Integration Guideline Maksuturva List of fields included in hash calculation string Important The fields are listed in the exact order described in Payment API protected hashData array pmt action pmt version pmt selleriban pmt id pmt sellercosts Sorder data returned from store Order information from the webstore array 1 Order information validation lengths types etc That is validation of sorder data returned from store against aforementioned lists of compulsory and optional fields 2 Order row composition Sorder order data returned from store gt items Order information from the webstore array orderAmount 0 sum of rows of types 1 4 5 6
102. e pkg keygeneration value 1 gt lt input type submit value Add delivery info gt form Adding the final Posti tracking code pkg allsent Y form action http testl maksuturva fi addDeliveryInfo pmt gt input type hidden name pkg version value 0002 gt lt input type hidden name pkg sellerid value ABC123DE gt lt input type hidden name pkg id value 1998524 1 gt lt input type hidden name pkg deliverymethodid value ITELL gt input type hidden name pkg adddeliveryinfo value JJFI12345612345123456 gt input type hidden name pkg allsent value Y gt lt input type hidden name pkg forceupdate value N gt input type hidden name pkg resptype value HTML gt lt lt input type hidden name pkg return value gt gt lt input type hidden name pkg hashversion value SHA 256 gt lt input type hidden name pkg hash value CA40867A33B5E6ACD525F89E398970A98C73F83AF9DO2EAECCAFE2E2E92636E1 gt lt input type hidden name pkg keygeneration value 1 gt lt input type submit value Add delivery info gt form AddDeliveryInfo Response examples OK Response lt pmtg gt lt pkg resultcode gt 00 lt pkg resultcode gt lt pkg version gt 0002 lt pkg version gt lt pkg hash gt 9CDDD56A2E2756818D1E029153CD8DF7A6DD4ACE33296FB2CB5948A
103. e pm type hidden type hidden inen brutolle type hidden type hidden name pm name pm name pm gt name pm type hidden type hidden name pm name pm type hidden name pm type hidden type hidden type hidden name pm name pm name pm name pm type hidden name pm inen brutolle gt type hidden name pm type hidden name pm type hidden type hidden name pm name pm type hidden type hidden type hidden type hidden name pm name pm name pm name pm type hidden name pm inen brutolle gt type hidden name pm type hidden type hidden name pm type hidden type hidden name pm name pm type hidden type hidden type hidden name pm name pm name pm type hidden inen brutolle type hidden type hidden name pm name pm gt name pm type hidden name pm name pm type hidden type hidden type hidden type hidden name pm name pm name pm name pm B59EADO 6ED6E44 type hidden Example 2 E0B279B61C4894DEE Maksuturva Payment Services Integration Guideline t row descl t row quantityl t row deliverydatel t row price gross1 t row price netl t row vatl t row discountpercentagel t row typel t row name2 t row desc2 t row quantity2 t row d
104. e vendor has received the returns Price correction or discount Reason Choose E Payment amount 32924 O Cooperative Bank E payment Suggested discount 0 remaining price 329 24 Additional information Money transfer information Bank account number for the refund IBAN First and last name ofthe account Eetu Komsi owner CANCEL SEND WHAT NEXT The refund will be transferred to your bank account after the vendor has confirmed the change otherwise the vendor will contact you Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 14 181 Maksuturva Payment Services Integration Guideline Maksuturva Make Reclamation Buyer Reclamation In case you find yourself dissatisfied with the order you can fetes aa Sore ML ee Webstore receives a notification of buyer NE puh 09 1234567 reclamations Buyer has the possibility RE to inform webstore about deficiencies or m n defects in the order without the need to propose a solution for example propose any money amount buyer wants to be refunded On the other hand the buyer can be assured that his or her money is safe until he or she has reached an agreement with the webstore I wish to be contacted By e mail By phone between time Reclamation also enables buyer and ige webstore to negotiate a solution that does not include any money refunds for
105. echnical interface user id 3 Maksun tunnus Unique identifying number given to the payment transaction by webstore Delivery method Delivery method code For available id values see section Delivery Method code values code Delivery info to be Delivery info or tracking code s to be added to this order added s 4 5 Delivery info to be Delivery info or tracking code s that was earlier submitted and now needs to be removed using removed update or delete API Flag telling if all When submitting the last delivery info regarding an order set this to Y Otherwise the order might delivery info has never be settled to webstore because Maksuturva waits for more delivery info been given Force update Normally add update or remove do nothing to an order that has already received data with All delivery info has been given flag set as Y Setting force to Y overrides this Response type Determines whether the response is a a XML document returned as HTTP response b a HTML page 10 Return address In case of HTML response and if webstore has given a return address the response is automatically if Javascript enabled sent as HTML FORM using GET method response with the response parameters appended as querystring to the return URL Hash algorithm Name of the algorithm used to calculate the hash For more details see section Hash Calculation Hash Hash calculated from predefined message fields and the webstore s secret k
106. ed as a registered UPS shipment The delivery data is processed similarly as Posti s UNREG Untraceable letter The products are delivered in a regular letter The delivery has no tracking code The delivery information should not be given until the letter has been sent PICKU Pick up The buyer will pick up the products from the webstore s outlet The delivery has no tracking code The delivery info should not be given until the buyer has picked up the products ODLVR Own delivery The webstore will deliver the products to the buyer by their own means The delivery has no tracking code The delivery info should not be given until the buyer received the products SERVI Service A service is performed for the buyer No physical delivery is attached to the order Service delivery information should not be given until the service has been performed Electronic delivery The order is delivered electronically e g per email and can be consider received immediately upon sending The delivery has no tracking code The delivery should not be given until the order has been delivered electronically Foreign untraceable letter The products are delivered in a regular letter abroad The delivery has no tracking code The delivery information should not be given until the letter has been sent The delivery period is much longer than in case of domestic letters UNREG UNRDL Untraceable delivery The products are delivered in a untraceable parce
107. elayedpayremm kent ss Sis n tullutta tarkistetta tarkistettaessa k ytettiin sewaavia kentti These fields were used to calculate the incoming hash value pmt action pmt version pmt selleriban pmt id pmt orderid pmt reference pmt duedate pmt amount pmt currency pmt okreturn pmt errorrerum pmt cancelretum pmt delayedpayretum pmt escrow pmt_escrowchangeallowed pmt paymentmethod pmt buveridentificationcode pmt buyemame pmt buycraddress pmt buyerpostalcode pmt buyercity pmt buyercountry pmt deliveryname pmt deliveryaddress pmt deliverypostalcode pmt deliverycity pmt deliverycountry pmt sellercosts pmt row kent t riveitt in pmt row name pmt row desc pmt row quantity pmt row deliverydate pmt row pice gross pmt row price net pmt row vat pmt row discountpercentage pmt row type Sis n tullutta tarkistetta tarkistettaessa k ytettiin seuraavaa dataa This data was used to calculate the incoming hash NEW PAYMENT EXTENDED amp 00048 amp 140 amp 11081407 amp 06 10 2014887 30 amp EUR amp http maksuturva f testaus testikaupat asiokastesti modules maksuturva validation php amp http maksuturva fi testaus testikaupatasiakastesti modules maksuturva validation php error 1 amp http maksuturva futestaustestikaupat asiakastesti modules maksuturvavalidation php cancel amp http maksuturva fi testaus testikaupat asiakastesti modules maksuturva validation php7delayed 1 amp Y amp N amp Teemu Testaaja amp Testikatu 114111
108. eling returning an order a suggestion for correcting the price or made a reclamation Maksuturva shall send a confirmation of the matter by email to the web store and buyer The easiest way to access cancellations and reclamations of buyers is through the In progress summary table of the Transactions page Transaction state Count Gross sum Commission Net sum Missing tracking code 23 XXX xxx xxx Cancelled by payer gt 15 xxx xxx xxx Unpaid 0 XXX XXX XXX Being delivered unsettled 136 XXX XXX XXX Click on the Cancelled by payerlink which lists all of the orders with pending cancellations returns suggested price reductions or reclamations initiated by the buyer After the changes made by the buyer have been processed and payments settled to the parties they are removed from the list of orders in progress Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 164 181 Level Date interval Creation Payment code time Order number Reference number 17 29 27 8891227 123 45678 90120 27 07 2015 LUHELAZSD3WZRWCATFGT Payer name order number payment code or reference number Payment methods Transaction state Payer name Payment method Teemu Testaaja Cooperative Bank E payment Maksuturva Payment Services Integration Guideline Transactions Summary All payment methods 20 07 2015 27 07 2015 Creation date State ch
109. eliverydate2 t row price gross2 t row price net2 t row vat2 t row discountpercentage2 t row type2 t row name3 t row desc3 t row quantity3 t row deliverydate3 t row price gross3 t row price net3 t row vat3 t row discountpercentage3 t row type3 t row name4 t row desc4 t row quantity4 t row deliverydate4 t row price gross4 t row price net4 t row vat4 t row discountpercentage4 t row type4 t charset t charsethttp t hashversion t hash E85A8B name pm t keygeneration Direct payment service e g eMaksut Billing and Delivery address identical 119 181 value Tuotteen A kuvaus value 2 value 15 10 2014 value 123 00 gt value 100 00 gt gt lt netto value 23 00 gt value 0 00 value 1 gt gt value R t l ity alennustuote B gt value R t l idyn alennustuotteen value 1 gt value 15 10 2014 gt value 369 00 gt value 300 00 gt netto value 23 00 gt value 10 00 gt value 4 gt value Toimituskulut gt value Toimitustapa yms gt value 1 gt value 15 10 2014 gt value 5 00 gt value 5 00 gt gt lt netto value 0 00 gt value 0 00 gt value 2 gt value Alennus gt value Alennuskupongin koodi tms value 1 gt value 15 10 2014 gt value 10 00 gt value 1
110. ella All delivery information has been entered Yes No Delivery tracking code Save JJFI0000000000xxxxxx Delivery tracking code Delivery state JJFI65432100000xxxxxx gt Created Poista Only after this confirmation will Maksuturva begin to track a registered shipment or begin a delivery method specific review period letters pickup own delivery You can edit or remove shipping ID numbers or edit or remove them as long as the transaction is still in progress it has not been settled or cancelled Possible statuses of a delivery are Created Being delivered Waiting for pick up or being delivered to door Delivered buyer has received the delivery Unregistered letter pickup or own delivery If an order is shipped as an unregistered delivery normal letter maxi letter do not give a confirmation of this to Maksuturva until you have placed all letters connected to the order in the shipment If the order is picked up from a pickup station of the web store or delivered to the buyer by the web store s own transport do not give this confirmation until the buyer has received his or her order Make a confirmation of the delivery method by selecting the delivery method Unregistered letter pickup or web store s own delivery from the pull down menu and pressing the save button Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payme
111. els or interrupts the payment process This applies for both Maksuturva test and production environments If the payment id is calculated or derived e g from the web stores order numbers and the web store is reinstalled or moved to a new installation webstore must ensure that either the order numbering starts from previously unused number or the pmt id calculation uses new calculation rules that produce pmt id values that do not conflict with the previously used pmt id values E g in Maksuturva payment module for WooCommerce the store admin can choose to add a separate prefix for the payment ids Therefore even if the web store order numbering has been reset the pmt id calculation rules in the module program code do not need to be changed but adding or changing the prefix in the store admin is sufficient An example of a scenario where the problem occurs The web store forms Maksuturva payment ids using a rule pmt id pmt_orderid ABC Before opening the web store for customers the vendor makes a test purchase pmt orderid 0001 pmt id 0001ABC which is received and registered in the Maksuturva service After a successful test the vendor clears the orders database in the store and opens the store for actual customers When the first customer makes an order the web store starts order numbering again from the start 1 and forms a pmt id 0001ABC for the order As the pmt id 0001ABC had already been used before Maksuturva
112. elsinki Finland info maksuturva fi it helpdesk maksuturva fi 122 181 Maksuturva Payment Services Integration Guideline Maksuturva spmt sellercosts 5 00 amp pmt escrow Y amp pmt hash F7COE8A3F5F5FEDDC2B945F0246DE5FD27B9206B amp pmt paymentmethod FI01 http www mytestshop fi pay return Success do paid 1 amp pmt action NEW PAYMENT EXTENDED spmt version 0004 amp pmt id 1998524 1 amp pmt reference 00000000000019985242 amp pmt amount 568 10 amp pmt currency EUR spmt sellercosts 5 00 amp pmt escrow Y amp pmt hash FFDFB9E0287706794232C4E34AF1FA11F7560288 amp pmt paymentmethod FI60 CANCEL Response examples HTTP 302 http www mytestshop fi pay return Cancel do pmt id 1998524 1 http www mytestshop fi pay return Cancel do paid 0 amp pmt id 1998524 1 ERROR Response examples HTTP 302 http www mytestshop fi pay return Error do pmt id 1998524 1 http www mytestshop fi pay return Error do paid 0 amp pmt id 1998524 1 If Maksuturva s payment method choosing page has been skipped in some cases the names of erroneous input parameters are appended to the return URLs Invalid hash http www mytestshop fi pay return Error do pmt id 1998524 l amp error fields generic pmt hash Invalid buyer email http www mytestshop fi pay return Error do pmt id 1998524 l amp error fields model pmt buyeremail Invalid delivery address postal code http www myte
113. ember to adjust pmt row type accordingly 3 Composing rest of the order Sorder data array pmt keygeneration gt get MAKSUTURVA SECRET KEY VERSION pmt sellerid get MAKSUTURVA SELLER ID pmt id gt unique payment id pmt orderid gt order id pmt reference gt order bank reference number pmt paymentmethod gt payment method code prechosen payment method optional Customer Information pmt buyername gt Sorder summary billing gt firstname Sorder summary billing gt lastname pmt buyeraddress gt Sorder summary billing gt address Delivery information pmt deliveryname gt Sorder summary delivery gt firstname Sorder summary delivery gt lastname pmt deliveryaddress gt Sorder summary delivery gt address Escrow Satisfaction Guarantee vs Direct payment pmt escrow gt cwm Y in case of Satisfaction Guarantee services N in case of Direct payment services pmt order amount order amount pmt sellercosts gt sellerCosts pmt rows gt count products rows pmt rows data gt products rows 4 Hash generation protected function generateHash ShashString Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 125 181 126 181 Maksu
114. er possibly together with the calculated hash tells Maksuturva services what webstore made the request For example all new payment requests are connected to that webstore payment method banner is returned according to that webstore s configuration or Certificate page displays information of the webstore in question The seller id is not a secret Rather it is used as a public parameter for example when linking to the Certificate page https www maksuturva fi Certificate pmt seller id SELLER ID amp request locale en The authenticity of the requests are verified by creating a string from predefined request parameters appending the webstore s secret key to it and then calculating a hash of the complete string Webstore must never expose the aforementioned secret key to others Nor should it ever be part of the any request This verification goes both ways That is webstore also must verify the authenticity of the responses from Maksuturva in the same manner When the hashes match the request receiver can be quite sure the requesting party is who it claims to be Since the secret key can change from time to time all the requests containing hash contain also a secret key generation i e version parameter pmt ketygeneration The parameter tells which version of the secret key has been used The original key generation is 001 Each API s parameters and details in general can be found from their full interface description S
115. erestPercentage gt 15 lt InterestPercentage gt lt MonthlyFee gt 3 00 lt MonthlyFee gt lt TotalAmount gt 611 96 lt TotalAmount gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi R Maksuturva Payment Maksuturva Services Integration Guideline lt TotalCapital gt 573 10 lt TotalCapital gt lt TotalFee gt 18 00 lt TotalFee gt TotalInterest 20 86 TotalInterest lt PaymentPlanLineCount gt 6 lt PaymentPlanLineCount gt lt PaymentPlanLine gt lt Capital gt 100 00 lt Capital gt DueDate 2015 06 18 DueDate lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 1 lt InstallmentNumber gt lt Interest gt 0 00 lt Interest gt lt InvoiceDate gt 2015 06 04 lt InvoiceDate gt lt Total gt 103 00 lt Total gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlan gt lt PaymentPlan gt lt PaymentPlan gt lt PaymentPlan gt lt PaymentPlan gt lt PaymentPlan gt lt AnnuallnterestPercentage gt 29 98 lt AnnuallnterestPercentage gt lt InterestPercentage gt 15 lt InterestPercentage gt lt MonthlyFee gt 3 00 lt MonthlyFee gt lt TotalAmount gt 733 96 lt TotalAmount gt lt TotalCapital gt 573 10 lt TotalCapital gt lt TotalFee gt 72 00 lt TotalFee gt lt TotallInterest gt 88 86 lt Totallntere
116. ervice Accounting reports The report file is in CSV format You can open it for example with Microsoft Excel You can choose to include either claimed or settled transactions from the selected date period Important These reports do not include SveaWebPay Invoice or Part Payment transactions You can retrieve report of these from Svea Admin SveaWebPay Admin Date interval 21 07 2015 28 07 2015 Report modes Claims amp Settlements O Invoiced Settled transactions include all transaction that have been settled or will be settled for sure to the seller Claimed transactions include all transactions that have been paid to Maksuturva s customer assets bank account that have not yet been settled to the seller Invoiced transaction include all transactions whose commissions have been or will be charged from the seller by invoice Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 175 181 Maksuturva Services Integration Guideline 7 5 1 SveaWebPay settlement reports For payments of SveaWebPay Invoice SveaWebPay Part Payment and Maksuturva B2B Invoice an individual settlement may contain a sum of money for more than one order from which fees charged by Svea and any other expenses have been deducted For the purpose of matching settlements reports related to settlements shall be retrieved from the SveaWebPay Admin administration appli
117. ervice Order row gross unit price VAT included The quantity of this order row Preferably an integer value but also decimal number values with up to 2 decimal values are accepted e g 1 2 or 1 75 For more details see section Calculation Rules for Order Rows Article or product number of this order row Optional information Unit of quantity of this order row e g kg m kpl Date in form dd mm yyyy please set as current date if there is no other logical value to use Gross unit price of product VAT included Either net or gross value must be supplied but not both The total gross price of one order row is row quantity row gross unit price For more details see section Calculation Rules for Order Rows Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm Maksuturva Payment 45 181 Maksuturva Services Integration Guideline The amount must be presented with two decimals The decimal delimiter is a comma e g 94 80 42 Order row net unit Net unit price of product VAT excluded price VAT excluded Either net or gross value must be supplied but not both For more details see section Calculation Rules for Order Rows The amount must be presented with two decimals The decimal delimiter is a comma e g 94 80 percentage means 23 For more details see section Calculation Rules for Order Rows Order row VAT Decimal
118. es Integration Guideline Shop MAKSUTURVA FI Logged in as MAKSUTURVA Customer Support HANDBOOK Telephone SVEA Last login 2019 07 10 AS In str ator TW pen 09 00 17 06 E WE BPAY Renter ode TA ee ELITR E Reports Filter client number Filter date Report type File format M v From To invoice specification v XLSX Excel v Download M paiy reports E invoices 2011 08 24 Redovisning 2604 v e ce re s Show older ment plan n rs gt gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 178 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 6 Contact Contact can be made through the Contact us form We process contacts as quickly as possible Name Contact reason Phone Target Choose v Email Message max 5000 chars Fields marked with star are mandatory Send Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 179 181 Maksuturva Services Integration Guideline 7 7 Risk management of card payments The risks in distance sales are different from those in physical trade or commerce Reliable verification of the buyer is a challenge to the merchant because the debit or credit card and buyer are not physically present A product or service that can be easily exchanged for money is valuable and can be quickly r
119. esold also attracts criminals Verification services Verified by Visa and MasterCard SecureCode All web stores who accept card payments through the services of Maksuturva are automatically connected to the verification services of Verified by Visa and MasterCard SecureCode The verification services are strong authentication services that have been developed by international card companies Visa and MasterCard and improve security Both parties to the payment are verified at the moment of purchase the web store and buyer if the card used by the buyer is connected to the verification services In a verified transaction the debit or credit card is identified in connection with a payment made in the web store with separate passwords by the issuer of the debit or credit card The usage of verification services reduces the merchant s risks because a card holder registered for the service can be identified reliably Merchant instructions and terms of Nets previously Luottokunta valid at the time shall be applied to the verification services Nets does not charge the transaction back from the merchant if the card holder has been identified in the transaction using the verification services or by demonstrably attempting authentication Track card transaction To prevent abuse the merchant should also critically monitor the quality and quantity of transactions at his or her places of business as well as the information of card holders related to the tr
120. essage sent to Maksuturva pmt row price gross In such case the Maksuturva system will calculate net price if necessary Calculating the net price may be needed when Maksuturva forwards the order specification data to some payment or credit provider that requires the data as net amounts Calculating net from gross and then again gross from net may introduce rounding problems These are entirely handled by Maksuturva system by adding up to two extra order rows to the order that fix the rounding errors one extra row possibly needed for both pmt amount and pmt sellercosts rounding error pmt row price gross product unit price including VAT without considering discount Handling discounts A discount can be sent as a percentage value per order row or there can be separate discount rows with negative price It s recommended to specify discount as a percentage inside each order row This for example makes it easier to handle certain refund cases discounts need not be handled separately when they are included in product rows Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 48 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 3 2 3 Calculation Rules for Order Rows Calculation rules concerning the order specification data are described below Variables beginning with pmt represent field data sent to the new payment interface Variables beginning with
121. ey The following fields 11 N are used to calculate the hash pkg_id pkg_deliverymethodid pkg_allsent Secret key Generation number of the secret key given to the seller by Suomen Maksuturva generation Default is 001 Response code Indicates success or failure Values and explanations of all the codes can be found from section Return code values Response text Brief description of the failure reason 13 4 5 For example which tracking codes did not pass the the formal validation Syntax is error code error description For example 30 JJFIO0000012345123456 30 JFI00000012345123457 16 Response hash Hash calculated from predefined message fields and the webstore s secret key Uses the same version key generation etc values that were in the request The following fields are used to calculate the hash pkg sellerid pkg id pkg resultcode Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 70 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 5 6 Delivery Method codes Delivery Short description Description method code ITELL Posti formerly known as The products are delivered as a postal parcel or registered letter Posti The delivery Itella traceable delivery information can be confirmed as soon as the delivery has a tracking code The tracking code is for example a JJFI code obtained from Posti
122. f available pmt buyeridentificationcode only if available pmt buyername pmt buyeraddress pmt buyerpostalcode pmt buyercity pmt buyercountry pmt deliveryname pmt deliveryaddress pmt deliverypostalcode pmt deliverycity pmt deliverycountry pmt sellercosts pmt row fields in specified order each row at time for each order row one row at a time if the field is included pmt row nameN pmt row descN pmt row quantityN pmt row articlenrN pmt row unitN pmt row deliverydateN pmt row price grossN pmt row price netN pmt row vatN pmt row discountpercentageN pmt row typeN web store s secret key Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 37 181 38 181 Maksuturva Payment Services Integration Guideline Maksuturva OUTPUT PARAMETERS FOR PAYMENT Chosen payment method pmt_paymentmethod new codes and descriptions FI70 SveaWebPay Invoice FI71 SveaWebPay Part Payment FI80 Paypal FI90 International Giro Change to support future features pmt escrow New field pmt action NEW PAYMENT EXTENDED New fields in hash pmt action NEW PAYMENT EXTENDED pmt version May 2011 4 1 PAYMENT INPUT PARAMETERS New optional fields for each order row pmt row articlenrN product number or code in the webstore pmt row unitN unit of quantity kg m pcs The above fields are also included in hash calculati
123. fthe total amount Part Payments transaction commission depends on the chosen campaing in the following manner Payment plan Payersinterestrate Transaction commission 3 months 0 1 0 6 months 0 1 5 12 months 0 2 0 24 months 98 0 36 months 9 8 96 0 Also payer must pay an invoicing fee 2 incl vat in case of B2B invoices 2 incl vat in case invoices 3 incl vat in case of part payments The Web stores terms and conditions of customer reti Is the vendor responsible for the shipping costs of all returns also when returning faultless products Return policy is defined at the westore site Returning products is free of charge Ifthe returned productis faultless the buyer is responsible for the delivery costs The online store has an option to charge any costs caused by the return shippings from the buyer if it has been notified to the consumer prior to the trading Consumer Protection Act 6 17 and 6 245 Can the customer cancel the order by not reclaiming or receiving the delivery Instructions are available at the webstore site Yes a returned product or order is considered as cancelled No not reclaiming the delivery will not cancel the order and money will not be refunded The consumer has the right to cancel the distance selling order by notifying the online vendor on Maksuturvas cancellation or return forms Consumer Protection Act 6 14 Unlike before not reclaiming the order will not ca
124. gt lt grossAmount gt 573 1 lt grossAmount gt lt netAmount gt 564 31 lt netAmount gt lt refundedAmount gt 0 lt refundedAmount gt lt commission gt 8 79 lt commission gt lt orders gt lt order gt lt orderNumber gt 1998524 lt orderNumber gt lt originalReference gt 1234567890120 lt originalReference gt lt paymentId gt 1998524 1 lt paymentId gt lt sellerGrossAmount gt 573 1 lt sellerGrossAmount gt lt sellerNetAmount gt 564 31 lt sellerNetAmount gt lt refundedAmount gt 0 lt refundedAmount gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 137 181 Maksuturva Services Integration Guideline lt commission gt 8 79 lt commission gt lt buyerPaymentDateTime gt 2014 09 27T00 00 00 000 03 00 lt buyerPaymentDateTime gt lt order gt lt orders gt lt compensation gt lt compensations gt lt ns2 getCompensationsResponse gt OK Response containing one bundle settlement with reference number 1232 consisting of two payments or orders lt ns2 getCompensationsResponse xmlns ns2 https www maksuturva fi smtschema GetCompensationsResponse xsd gt lt version gt 0001 lt version gt lt timestamp gt 2014 10 16T14 27 26 000 03 00 lt timestamp gt lt sellerId gt ABC123DE lt sellerId gt lt resultCode gt 00 lt resultCode gt lt resultText gt OK lt resultText gt lt hashVersion gt SHA 2
125. gt lt refundedAmount gt the actual amount refunded to payers lt refundedAmount gt lt commission gt commission sum for Maksuturva lt commission gt lt orders gt if this is not a bundle there will be just one order below lt order gt lt bundleCode gt optional field Included if this lt bundleCode gt lt orderNumber gt order number from the lt originalReference gt the original reference number for pmt reference lt originalReference gt lt paymentId gt the unigue id originally provided lt paymentId gt lt sellerGrossAmount gt order is part of a bundle compensation web store pmt orderid lt orderNumber gt the order provided by the web store by the web store pmt id Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 88 181 Maksuturva Payment Services Integration Guideline Maksuturva the gross amount of the order originally expected by the web store pmt amount pmt sellercosts lt sellerGrossAmount gt lt sellerNetAmount gt the actual compensated net amount which is gross amount refunds Maksuturva s commissions lt sellerNetAmount gt lt refundedAmount gt the amount refunded back to payer lt refundedAmount gt lt commission gt Maksuturva s commission sum lt commission gt lt buyerPaymentDatetime gt 2010 05 30T09 30 10 02 00 lt buyerPaymentDatetime gt lt order gt lt order
126. h is not obvious in some programming languages You must handle the transformation from character based data to binary data before hash calculation correctly If it s not possible to define the character set for hash calculation function you must find out which character set is used internally by the hash algorithm For example character A have different hash values for UTF 8 and Latin 1 character sets Character encoding of input data and of webstore pmt charsethttp This field tells the character encoding of the input data The Maksuturva payment interface handles HTTP request parameters according to this character encoding Practically this is the character set reported by the browser when you re browsing the checkout pages in the webstore Please make sure that the string to be hashed does not contain two consecutive amp chars ampersands Each field in hash string should be followed by exactly one ampersand Empty or null fields are never put in hash string The last character of the hash string should also be amp Please check the parameter list again from the interface definition document It is different from the list of parameters to be passed as all the parameters are not mandatory and some are not necessary to be signed by hash calculation Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 99 181 Maksuturva Services Integrati
127. h the order is actually delivered For example if buyer gives his home address the billing address pmt buyeraddress etc but chooses a delivery to a Parcel Point or chooses to fetch the product from the store the delivery address must be either the Parcel Point s or store s address Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 36 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 3 1 Changes Date Versio Change November 2 5 Payment method value pmt paymentmethod description added to the response message data 2010 February 4 0 New interface version 0004 2011 PAYMENT INPUT PARAMETERS Formerly optional fields changed to mandatory mandatory payment due date pmt_duedate mandatory error return pmt_errorreturn mandatory delivery name pmt_deliveryname mandatory delivery address pmt_deliveryaddress mandatory delivery postal code pmt_deliverypostalcode mandatory hash calculation encoding pmt_charset New mandatory fields pmt action NEW PAYMENT EXTENDED input data encoding and web store s encoding to browser pmt charsethttp Changes to support future features mandatory boolean field escrow pmt escrow mandatory boolean field escrow change allowed pmt escrowchangeallowed Changes to support international credit card payments mandatory buyer s city pmt buyercity mandatory buyer s country code
128. he Svea Admin user interface which can also be accessed from the Reports page if necessary Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 145 181 Maksuturva Services Integration Guideline g On the Contact us page you can send us feedback or a contact request On the Feedback statistics page web stores that use the Satisfaction Guarantee can review the feedback they receive in Web Buyer s services Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 146 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 1 Logging in You receive the username and password needed for using the KauppiasExtranet when you order the Maksuturva service Log in to the KauppiasExtranet at https www maksuturva fi extranet in the test environment http test1 maksuturva fi extranet SuomenMaksuturva im lt Seller please login OK 9 Norton Symantec KauppiasExtranet ABOUT SSL CERTIFICATES You are logging into Maksuturva Group Ltd s KauppiasExtranet KauppiasExtranet is intended for our business customers You can login using your username and password If your login fails or you would like to know more about our services please contact our customer service TTS www maksuturva fi Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsin
129. he following fields are used to calculate the hash srv webstorewww For more details see section Hash Calculation 56 Secret key generation Generation of the secret key first key is 001 4 4 50 7 8 1 5 2 EI UI 3 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 95 181 Maksuturva Services Integration Guideline 3 8 2 Subscription Response When a new service has been successfully subscribed for the following fields are sent in a corn using post method to OK return address srv okreturn Field input name value Format C O 2 Company s business identification srv businessid C code Technical secret key for the webstore srv interfacecredential MEN 5 2 State code for this subcscription If a service was not successfully subscribed for the following fields are sent in a lt form gt using POST method to error srv errorreturn or cancel return address srv cancelreturn depending on the case AN128 C Field input name value Format C O E 2 Company s business identification srv businessid code 11 Error description for this srv errordescription subcscription Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 96 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 8 2 1
130. i Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 63 181 Maksuturva Services Integration Guideline 3 4 4 Payment Status Query in different environments Maksuturva production environment When a payer returns from an internet bank or from another payment service to Maksuturva service the payment is set as confirmed After this all the payment status query requests will get a confirming response regardless of whether the payer returns to the web store before or after the query message or whether the payer returns at all If the payer has not yet returned from e g an internet bank to the Maksuturva service when the payment status query is made Maksuturva inquires the payment status from the bank but only if the payer has had sufficient time for making the payment If the payment is confirmed by the bank Maksuturva confirms the payment to the web store The exact response code of a payment confirmation depends on whether the Satisfaction Guarantee or direct payment service is being used Maksuturva test environment In the test environment the internet banks do not store the payment data and therefore Maksuturva can not verify bank payments in which the payer has not retuned to Maksuturva service from the bank After the payer has returned from the internet bank to the Maksuturva service from where the payer is instantly redirected to the web store also the test payment is registered to Maksuturva and possi
131. iagnostics test page when Payment API has been called with generic test credentials Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 106 181 Maksuturva Payment Services Integration Guideline Values used in response URLs used in response Name Value Name Value Qe Me AA NUUS EUCH AA IDE S DENG 140 Eror htipj maksuturva f testaus testikaupat astakastesti modulesimaksuturva validation php return error l Reference 1407 1 27 50 Cancel np maksnturva testans testikaupat asiakastesti modules maksuturva validation php Ama return cancel 1 Currency EUR pasa Seller YE htp maksuturva f testaus testikaupat asiakastesti modules maksuturva validation php oo PAY delayed 1 costs return Payment method FIOL Escrow Y Hash EEIB3627B10647CD2427CFDBDF3A3558CBOSF 1 182FEOSCCBDEC5 18BA20BF 74F98C3C2B9BEBDD3C84E03A432A34CA67B1D52BD20DEIBA18C18CF7BD3F28B14442 Ok paluu OK return Palaa v litt en ns request stringissa maksamisen vahvistusviestin osoitteeseen joka tuli pmt_okretum kentassa Virhe paluu Error retum Palaa ilman lis ttyj parametreja osoitteeseen joka tuli pmt errorretum kent ss Peruutus paluu Cancel retum Palaa ilman lis ttyj parametreja osoitteeseen joka tuli pmt cancelretum kent ss Viiv stetty maksu tilisiirto palmi Delayed payment giro remm Palaa ilman lis ttyj parametreja osoitteeseen joka tuli pmt d
132. ical amp request locale sv gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 33 181 Maksuturva Services Integration Guideline 3 2 3 Linking the payment method banner to Certificate page Maksuturva services include a webstore specific Certificate page which includes the essential information and instructions for consumers regarding payments and order returns The payment methods banner is advised to be used in the webstore by linking it to the Certificate page The Certificate page URL is formed in the following way Field input name value Format Minlength C O 1 Merchant s technical user sellerid AN50 4 C ese 0 cM MENET An example of a payment method banner image linking to Certificate page lt a href https www maksuturva fi Certificate pmt seller id SELLERID reguest locale fi target blank title Lue lis Tyytyv isyystakuusta gt lt img src https www maksuturva fi Banner pmt sellerid SELLERID amp bannertype payment methods horizontal amp request locale fi amp rowscolumns 2 gt lt a gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 34 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 3 Payment New payment API description version 4 1 13 Webstore uses this service
133. idden name pmtc resptype value XML t type hidden name pmtc hashversion value SHA 256 t type hidden name pmtc hash F6CBA732E925C15E7B42238ED4FEA31DAA54BE53BE6A09748DF4F8EAC94269 t type hidden name pmtc keygeneration value 1 t type submit value L het peruutussanoma gt form method post action http testl maksuturva fi PaymentCancel pmt lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu lt inpu ven hti 1 lt inpu lt inpu lt inpu lt inpu value 3B lt inpu lt inpu form t type hidden name pm t type hidden t type hidden name pm name pm t type hidden t type hidden name pm t type hidden name pm t type hidden t type hidden t type hidden name pm name pm name pm t type hidden name pm upauksistamme huolimatta name pm t type hidden name pm t type hidden name pm t type hidden t type hidden name pm 641AD9F2A26CCFBDAA36E58 t type name pm tc action tc version tc sellerid Lc Tg val tc amount tc currency tc canceltype tc cancelamount tc canceldescription tc cancelreason tc resptype va tc hashversion val tc hash tc keygeneration submit value L het peruutussanoma Partial refund of 123 00 and return of deliveries value 1
134. ilable for webstores using Satisfaction Guarantee service Also delivery tracking is only available when order is comprised of physical products and not for example downloadable products or services in general After the buyer s payment has been confirmed webstore can add order delivery information either by using KauppiasExtranet service or Delivery Information Management API The buyer can then tarck the delivery in the Web Buyer s Services The order s inspection period starts as soon as the buyer has received the order according to Maksuturva s delivery tracking services Order Tracking Thank you for your payment We have notified the vendor and we are now awaiting delivery information eDi is Delivery information is not yet available The view in Web Buyer s Services when the buyer s payment has been confirmed but the webstore has not yet added delivery information W MORE v Order Tracking Your order is in delivery g Delivery information received m Registered shipment Itella gt JJFI65432100000106970 v MORE v The view in Web Buyer s Services when the webstore has added delivery information Order Tracking According to our delivery tracking you have received your order Bian ss Delivered 3 E Registered shipment Itella gt JJFI65432100000106970 v MORE v The view in Web Buyer s Services when the buyer has received the order according to Maksuturva s delivery tracking services
135. in production Instead retrieve official payment Escrow is being Tells whether escrow option is used with this payment Values Y N The value is always Y for Satisfaction Guarantee payment services e g Maksuturva Gold Correspondingly the value is always N for Direct payment services e g eMaksut 10 Hash Hash calculated from predefined message fields and the webstore s secret key The following fields are used to calculate the hash pmt action pmt version pmt id pmt reference pmt amount pmt currency pmt sellercosts pmt paymentmethod pmt escrow For more details see section Hash Calculation Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 52 181 Maksuturva Payment Services Integration Guideline 3 3 4 Payment Method Codes Code Description Cm Important Please do not use the values of the table above in production Instead retrieve official payment method codes and names using GetPaymentMethods pmt API see chapter Retrieve Available Payment Methods Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 53 181 Maksuturva Services Integration Guideline 3 4 Payment Status Query Version 5 0 5 This interface enables webstore to query the status of the orders or payment transactions in Maksuturva How and when to use Payment Status
136. ing usage of the product when deciding whether the usage has reduced the value of the product Both notifications are optional for the buyer NOTE Do not process a cancellation until you have got back any product returns related to the transaction You can process the data of a cancellation refund and partial return initiated by a buyer by clicking handle partial refund and return of deliveries Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 167 181 Services Integration Guideline Maksuturva The payer has proposed a partial refund and return of deliveries Once you have accepted the partial refund we will refund the money to the payer s card at latest on the next banking day Please do not confirm the partial refund until you have received the returned deliveries Cancel type Payer s cancel reason Payer s cancel description Payer s proposal of the Partial refund and return of deliveries Item does not correspond to order The product did not suit my needs 123 00 amount to be refunded Proposed products services to cancel row type quantity unitprice vat vate discount gross net total product number item 5 Refundichange 1 10000 23 2300 0 123 00 E tuote 1 total 123 00 Additional change rows Here you can make changes to the order The changes made are confirmed as such and no conf
137. ion Net sum 23 80 XXX 23 80 Estimated dispatch delay Payer name Payment method 0 XXX XXXX Card payment Visa Visa Electron MasterCard Card issuer country Card payer IP country Verification FI FI Payment not verified Order rows row type quantity X unit price vat Vvate discount gross net total product number item 1 Product 1 16 05 24 385 0 19 90 Toolset 2 Postal rate 1 315 24 076 0 96 3 91 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi
138. ion Request Delivery information can deleted by sending the tracking code s in a lt form gt using post method as hidden input fields lt input type hidden gt to address https www maksuturva fi deleteDeliveryInfo pmt Or http test1 maksuturva fi deleteDeliveryInfo pmt in testing environment Field input name value Format C O ipeo puma ES TEETE jam E m fa s Flag telling if all delivery info has pkg allsent been given ICT jen e Junan reme 1 o 1 1 13 Secret key generation pkg_keygeneration The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 68 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 5 4 Delivery Information Response Field input name value Format k el Seller ID pkg sellerid Payment ID pkg id Response hash pkg hash Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 69 181 Maksuturva Services Integration Guideline 3 5 5 Parameter descriptions Field Description 1 Message version Version ofthe API reguest and response contents 2 Seller ID Seller ID given to the webstore by Maksuturva Group Oy T
139. ional change rows In addition to the data described above it is possible to submit change order rows that describe in more detail the changes the merchant wishes to make to the order Pre conditions for submitting change rows The merchant initiates the change Change Rows can not be submitted if the buyer has made a proposal for change via Web Buyer s Services and the merchant is using the interface to accept confirm payer s proposal The original order was submitted to Maksuturva with order rows Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 75 181 Maksuturva Services Integration Guideline The change is of type PARTIAL REFUND or PARTIAL REFUND AND RETURN OF DELIVERIES For a FULL REFUND Maksuturva will do the order row level changes automatically NOTE If any change rows are submitted the total sum calculated from them must match the total amount of the change submitted in the field pmtc cancelamount If these do not match but the difference is small the Maksuturva system creates a rounding fix row to force the sum of change rows match the value of pmtc cancelamount Change row types Submitting the number of returned products of an original order row Changes refunds can be linked with original order rows by submitting a returned quantity of products in the parameter field pmtc refund quantity of original rowN where N is the
140. irmation is requested from the buyer unless we have to inquire buyers back account number for the refund In case you deduct the sum that is returned to the customer please note that the deduction needs to be based on law e g charging the value decrease or return cost or it shall be agreed with the customer beforehand Negative amounts e g 50 00 reduce the total value of the order and increase the amount refunded to the customer Use these for example if you want to give a discount on the total value to the customer Positive amounts e g 50 00 increase the total value of the order and decrease the amount refunded to the customer Use these for example if you wantto charge for return delivery or value reduction of returned goods In case you want to cancel the order please ask buyer to withdraw the partial refund Description e g Refur fee or Reduction of vat e g 24 net value e g 50 00 or 15 00 Total of changes 0 00 TOTAL Total sum of the original order 573 10 Current total sum 573 10 Total sum of the order after changes 450 10 Sum to be returned to the buyer 12300 Cancel reason Cancel description showed to the payer Transaction Information Creation time 27 07 2015 172927 Order number Estimated dispatch delay 0 row type product number 1 Product 2 Tailored product 3 Postal rate 4 Discount Delivery information Delivery method Itel
141. k maksuturva fi 72 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 6 Payment refunds and cancellations Version 5 0 This service enabled webstore to make or confirm refunds and cancellations to orders Please notice that this service is only applicable to Satisfaction Guarantee payment services Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 73 181 Maksuturva Services Integration Guideline 3 6 1 Changes Muutospvm Dokumentin Muutos versio February 4 0 REQUEST PARAMETERS 2011 New fields pmtc action CANCEL New fields required for partial refund Cancellation type pmtc_canceltype Money amount to be refunded pmtc_cancelamount New fields in hash pmtc action CANCEL pmtc version pmtc canceltype pmtc cancelamount when canceltype PARTIAL REFUND PARTIAL REFUND AND RETURN OF DELIVERIES RESPONSE PARAMETERS New fields in hash pmtc action CANCEL pmtc version in response hash Changed order of hash parameters New response code 31 Cancellation information from webstore and buyer do not match September 5 REQUEST PARAMETERS 2013 New fields Refund IBAN pmtc payeribanrefund Important Avaiiable only if separately agreed on with Maksuturva Peruutuksen kuvaus pmtc canceldescription Peruutuksen syykoodi pmtc cancelreason New fields in hash pmtc p
142. k that buyer s email address is mandatory when the payment method is preselected Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 40 181 Maksuturva Payment Services Integration Guideline 3 3 2 New Payment Request Cmm Webstore delivers order information in a lt form gt using post method as hidden input fields input type hidden tO address https www maksuturva fi NewPayment Extended pmt Or http test1 maksuturva fi NewPaymentExtended pmt in testing environment Field input name Action code value Min C O length Format pmt action NEW PAYMENT EXTENDED AN50 Seller ID pmt sellerid AN15 Ma Seller IBAN pmt_selleriban AN30 18 o 1 sjmmemmen mus wo Tel s ea 0 lt Payment reference pmt reference N20 4 C number u Payment due date pmt_duedate 9 Buyer s user s locale 10 Sum of products and pmt amount services of the order pmt userlocale current date in format dd MM yyyy fi Fl sv Fl en FI n nn e g 50 00 Pas 3 i 13 Error return address pmt errorreturn URL 14 Cancel return address pmt cancelreturn URL mao Te T m 15 Delayed payment return pmt delayedpayreturn address URL 16 Escrow must be used pmt_escrow 19 Payment method pre chosen in webstore 20 Buyer s social security pmt buyeridentificationcode number or comp
143. ki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 147 181 Maksuturva Services Integration Guideline 7 2 Management of payment transactions The Account ActivityTransactions page that opens up after logging in contains pending transactions and the ability to seek either individual transactions or browse transactions KauppiasExtranet Em SS Transactions Webstore Information Service Information Reports Contactus Feedback statistics Transactions Logout 9 voron in progress Symantec Transaction state Count Gross sum Commission Netsum ae eae Missing tracking code 23 xxx xxx xxx Cancelled by payer 15 xxx xxx xxx Unpaid o xxx xxx xxx Being delivered unsettled gt 186 xXx xxx xxx Transactions Level Transactions O Summary Settlements Payer name order number payment code or reference number Payment methods All payment methods v Date interval 2015 07 20 2015 07 27 Creation date State change date Transaction state VAI Unpaid Missing tracking code Being delivered unsettled Cancelled by payer Settled Cancelled Copyright 2007 2015 Maksuturva Group Ltd Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 148 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 2 1 Management of pending transactions Transactions in progress is a summary of all
144. l The delivery has no tracking code The delivery information should not be given until the parcel has been sent Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 717181 Maksuturva Services Integration Guideline 3 5 7 Response code values Response Short Description code description The message was processed ok Exception The transaction could not be found Processing Exception Processing the message failed Exception The webstore does not have a valid service Invalid data The delivery information is not formally correct More information available in the answer The delivery information has already been received submitted Incorrect The delivery information does not match the information received earlier A transaction can only have delivery one delivery method method Delivery The delivery information is not valid the delivery method is not connected to the service method forbidden Force update The transaction has confirmed delivery information An update requires the override option required pkg forceupdate should be Y Muita virheit The delivery information contains errors More information available in the answer 31 Delivery info Exception The delivery information could not be found not found Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdes
145. la Delivery tracking code 68432 6370 Choose Transaction state Cancelled by payer Payment code ZSD3WZRWCATFGT Original commission xxx Commission xxx Payer name Teemu Testaaja Back to Transaction Information State change time 27 07 2015 18 08 35 Reference number 123 45675 9 Original net amount 487 13 Net sum 487 13 Payment method Cooperative Bank E payment quantity unitprice vat vate discount gross net total item 2 100 006 23 4600 0 246006 tuote 1 1 300 006 23 6210 10 332106 kustomoitu tuote 2 1 500 0 0 00 0 500 postituskulut 1 10 00 0 0 00 0 10 00 ALENNUS 1 total 573106 Delivery state Created All delivery information has been entered Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 168 181 Maksuturva Payment Services Integration Guideline Maksuturva When processing a buyer s proposal for a change you see the data of the order and the changes proposed for it If necessary you can use change rows to give a customer additional discounts or charge for the reduction in value caused by usage of products or returning costs Add the reason for cancellation and an informal explanation Accept the cancellation suggestion made by the buyer by pressing the Approve partial refund and return of deliveries button after which Maksuturva informs the buyer
146. lgorithm name Algorithm SHA 512 512 bittinen SHA 2 SHA 256 256 bittinen SHA 2 SHA 1 160 bittinen SHA 1 MD5 MD5 When calculating the hash the required fields are concatenated and each field is followed by the amp character The last field is the secret key provided by Suomen Maksuturva followed by the amp character This is the character string used to calculate the hash The hash algorithm field must contain the algorithm used as named in the table above If a field is optional and should be part of hash calculation but it is not sent then also the ampersand amp for that field must be omitted from hash string The hash may be transferred in upper or lower case the response hash is always upper case Example The hash should be calculated from the following fields the example value used is in parenthesis field1 123 field2 ABC field3 K The secret key is testkey without the quotation marks The hash is calculated from the following string 123 amp ABC amp K amp testkey amp The default character set when calculating the hash is ISO 8859 1 but some other character sets are supported too The character set used for hash calculation can be sent with the payment parameters as pmt charset Currently supported values are ISO 8859 1 ISO 8859 15 and UTF 8 In addition another character set can be defined starting from payment interface version 0004 That parameter pmt charsetnttp defines the character
147. line Maksuturva Webstore cancels order partially Maksuturva Payment API request Payment API response Order confirmation lt Order delivery Add Delivery Info API req Add Delivery Info API resp Payment Cancel API req Payment Cancel API resp Change confirmation Email link to Web Buyer s Services Buyer receives order Inspection period begins M Inspection period ends jett lt Refund to Buyer return Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 25 181 Maksuturva Services Integration Guideline Buyer returns part of the order Maksuturva a API request Payment API response CE cpm Inspection period begins EM Buyer receives order m T1ss ers bank accou lt Change proposal Email Payment Cancel API req gt Payment Cancel API resp Change confirmation Email containing possibly added return costs and value reduction chargings lt amp Refund COO Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 26 181 Maksuturva Payment Services Integration Guideline Maksuturva 2 3 Handling of response messages Fields that are submitted from webstore to Maksuturva and back may not change while they are being
148. lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt lt input type hidden name pm vaihtoehtoinen brutolle gt lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm gt lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt lt input type hidden name pm vaihtoehtoinen brutolle gt lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm lt input type hidden name pm value D26B59EAD0 6ED6E4 4E0B27 9B61C4894DEE Maksuturva Payment Services Integration Guideline t row typel t row name2 t row desc2 t row quantity2 t row deliverydate2 t row price gross2 t row price net2 t row vat2 t row discountpercentage2 t row type2 t row name3 t row desc3 t row quantity3 t row deliverydate3 t row price gross3 t row price net3 t row vat3 t row discountpercentage3 t row type3 t row name4 t row desc4 t row quantity4 t row deliverydate4 t row price gross4 t row price net4 t row vat4 t row discountpercentage4 t row type4
149. ltText gt Errors in gc enddate the given interval is too big Maximum allowed is one month lt resultText gt lt keyGeneration gt 1 lt keyGeneration gt lt ns2 getCompensationsResponse gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 139 181 Maksuturva Services Integration Guideline 6 FAQ Frequently asked questions Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 140 181 Maksuturva Payment Services Integration Guideline Maksuturva 6 1 What does this error mean Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 141 181 Maksuturva Services Integration Guideline 6 1 1 existingPayment Payment id is invalid error fields generic pmt sellerid pmt id existingPayment Web store s account id pmt sellerid and payment id pmt id form a unique key pair for identifying the payment event in a New Payment Request Therefore a payment id that the web store has already used before can not be used again with the same Web Store s account id In general a pmt id is registered in the Maksuturva service at the moment it is received as a part of a Maksuturva payment request That is the basic rule is that a formerly received pmt id cannot be reused even if the buyer canc
150. mber reference numbers of the relevant transaction to review and process individual transactions on the list Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 152 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 2 4 Individual payment transaction On the Transaction Information screen you review the data of an individual transaction process the cancellation price correction partial return if necessary and add and update the shipment data of the transaction Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 153 181 Maksuturva Services Integration Guideline Transaction Information Begin cancellation Begin partial refund J Begin partial refund and return of deliveries Creation time Transaction state State change time 27 07 2015 17 29 27 Missing tracking code 27 07 2015 17 29 42 Order number Payment code Reference number 8891227 LUHFLAZSD3WZRWCATFGT 123 45678 90120 Original gross amount Original commission Original net amount 573 10 XXX 487 13 Gross amount Commission Net sum 573 10 XXX 487 13 Estimated dispatch delay Payer name Payment method 0 Teemu Testaaja Cooperative Bank E payment row type quantity unitprice vat vat discount gross net total product number item 1 Product 2 100 00 23 46 00 096 246 00
151. n Delivery method Itella Delivery tracking code Delivery state JJFI65432100000xxxxxx Created All delivery information has been entered Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 159 181 Maksuturva Services Integration Guideline 7 2 4 2 2 Return of products and additional changes The web store can use the return form to select what products of an order are returned and if necessary add change rows instead of price to increase or decrease the total sum to be refunded Change rows can be used to give a customer an extra discount to compensate for trouble or disappointment experienced by a customer but they also to adjust to final sum if for instance the original order contained discounts whose conditions are not satisfied Also if the buyer has already returned the products or the ordered products have been returned to the web store from the shipping company unclaimed the web store can subtract the returning costs or reduction in value of used products from the sum to be refunded within the framework of the Consumer Protection Act Use the form to provide the reason and an explanation for the cancellation and mark the number of items to be returned cancelled for every product row enter the needed additional changes and click on Make partial refund An email is automatically sent to the buyer explaining the changes made
152. n Act 18 5 Money transfer information Bank account number for the refund IBAN First and last name of the account Eetu Komsi owner in WHAT NEXT If you have received some or all of the delivery please contact the vendor and make an agreement upon how to return the items if needed The refund will be transferred to your bank account after the vendor has received the returns Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 13 181 Maksuturva Services Integration Guideline Order cancellation Reason Choose v Payment amount 32924 O Cooperative Bank E payment Additional information I have used one or more of the returned products If the customer has used the products otherwise than what is necessary for detecting the nature features and operation of the product the online vendor has the right to charge the value decrease from the refundable sum in accordance with the Consumer Protection Act Read more Consumer Protection Act 18 5 Money transfer information Bank account number for the refund IBAN First and last name of the account Eetu Komsi owner CANCEL SEND WHAT NEXT If you have received some or all of the delivery please contact the vendor and make an agreement upon how to return the items if needed The refund will be transferred to your bank account after th
153. n Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 84 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 7 3 Report Contents The response message is an XML document with UTF 8 encoding The exact definition of the response is available as an XML Schema https www maksuturva fi smtschema GetCompensationsResponse xsd If the response is an error message it will NOT include all compulsory fields as they are not available in case of errors The field resultCode is always available Other fields may be expected only if resultcode has the value 00 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 85 181 Maksuturva Services Integration Guideline 3 7 3 1 Logical Explanations of The Response Elements Maksuturva can settle payments to the webstore in following ways separately one by one using webstore s original reference number superior for accounting purposes in bundles containing several payments and usually with a fixed reference number Bundles are settled once a day week or month In either case the XML report contains payments as bundles If the payments were settled one by one each bundle in the XML report contains only one payment order The report has the following elements for each settlement bundle bundle code the settlement date of the
154. ncel the order according to the law butthe online store has an option to add the practice to its own terms of agreement Confirm Payment methods Delivery methods Nordea E payment EO tella ga Cooperative Bank E x Matkahuolto x payment Kaukokiito Danske Bank Web ga B payment Transpoint x Aktia payment x Kiitolinja x Savings Bank payment Bg DHL Deutsche Post x POP Bank payment x FedEx B Handelsbanken E x payment MyPack x Bank of Aland E payment EJ DB Schenker B Tapiola Bank E payment EJ TNT B S bank E payment Bg UPS B Card payment Visa Visa 9 Electron MasterCard ae B8 Maksuturva Invoice x Unregistered letter x Maksuturva Installment EJ Seller s own delivery method x B2B Invoice B Service performed ga PayPal B Electronic delivery x Unregistered foreign letter x Unregistered delivery x 007 2015 Maksuturva Group Ltd Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 173 181 174 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 5 Reports You can print out reports in CSV format from the Reports page for accounting purposes Reports can be attached to credited or receivable transactions over the selected period of time Accounting reports related to invoicing and part payment transactions that come through SveaWebPay must be retrieved from the Svea Admin s
155. nt 155 181 Maksuturva Services Integration Guideline Delivery information Delivery method Save delivery information only after you Unregistered letter v have sent or delivered the order to the Choose payer Itella Matkahuolto save Kaukokiito Transpoint Kiitolinja DHL Deutsche Post FedEx MyPack DB Schenker TNT UPS It amp 2007 2015 Maksuturva Group Ltd Pick up Seller s own delivery method Service performed Electronic delivery Unregistered foreign letter Unregistered delivery Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 156 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 2 4 2 Making changes web store initiates On the Transaction Information form you can begin the cancellation return of a transaction entirely Cancellation or partly Partial refund and return of deliveries or give the buyer an extra discount Partial refund When making a money refund for an order always try to make the return first in KauppiasExtranet Make the return directly to customer only when it is not possible through KauppiasExtranet Credit card payment rules allow money refunds only to the credit card used to make the purchase Invoicing management of Invoicing and Part Payment requires that changes and returns made to orders be made in the services of Maksuturva s KauppiasExtranet or Web Buyer
156. nt service Added a new payment service for existing customer Payment service creation failed Detailed error reason and description are included in the response Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 90 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 8 1 Subscription Request Webstore software delivers information about the webstore the company running the webstore and service parameters in a lt form gt using post method as hidden input fields lt input type hidden gt to address https www maksuturva fi MerchantSubscription pmt Of http testl maksuturva fi MerchantSubscription pmt in test environment input name value Format Min C O length Webstore software provider s account for srv_webstoreserviceid AN15 1 C e MF Finnish business identification code of the srv businessid 15 e at Fi Name Name of the company Name of the company srv EN N80 EE WWW address of the company not the srv businesswww m I 7 E mail of the company srv srv businessemaiil AN80 i 001 i na gt i number arne angaar Lan o Fo detour bank ean o he web BAN poete e v8 DTO a mem 1 9 2 www saaressormewebsore premere em lt ha otsaa customer serve cu onn srv storesta Jani o DOT fano s o OO a ae o is postcode ofteconpany promessa W 5
157. ntegration Guideline Maksuturva lt displayname gt S pankki Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI50 lt code gt lt displayname gt Korttimaksu Visa Visa Electron MasterCard lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI60 lt code gt lt displayname gt Maksuturva Lasku lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI61 lt code gt lt displayname gt Maksuturva Er maksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI70 lt code gt lt displayname gt SveaWebPay Lasku lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI71 lt code gt lt displayname gt SveaWebPay Osamaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI72 lt code gt lt displayname gt Yrityslasku lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt USPP lt code gt lt displayname gt PayPal lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt RBIN lt code gt lt displayname gt Resurs Bank Lasku lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt RBPP lt code gt lt displayname gt Resurs Bank Osamaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt RBCD lt code gt lt displayname gt Resurs Bank Kortti lt displayname gt
158. number with two decimal digits The decimal delimiter is a comma For example 23 00 percentage means 10 96 For more details see section Calculation Rules for Order Rows 45 Order row type 1 product 2 postal cost 3 handling cost 4 customized product not eligible for returns 5 service 6 discount always negative value Order row Discount Decimal number with two decimal digits The decimal delimiter is a comma For example 10 00 46 Hash calculation This field tells the character set that has been used to calculate the hash value for input data character encoding Legal values are for now ISO 8859 1 ISO 8859 15 and UTF 8 Hash calculation is always done from binary data which is not obvious in some programming languages You must handle the transformation from character based data to binary data before hash calculation correctly If it s not possible to define the character set for hash calculation function you must find out which character set is used internally by the hash algorithm Character encoding This field tells the character encoding of the input data of input data and of The Maksuturva payment interface handles HTTP request parameters according to this character webstore encoding Practically this is the character set reported by the browser when you re browsing the checkout pages in the webstore 48 i Name of the algorithm used to calculate the hash For more detals see section Hash Calculation
159. o maksuturva fi it helpdesk maksuturva fi 92 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 8 1 1 Request parameter descriptions Field Description Interface version Interface version of this subscription message Webstore software provider s The user account for webstore software provider account for subscribing for new Maksuturva services Finnish business identification Finnish business identification code of the company running the webstore code of the company running the webstore Name of the company The official name of the company running the webstore Marketing name of the company Marketing name of the company for example used with postal packages 5 A WWW address of the company not WWW address of the company not the webstore the webstore E mail of the company E mail of the company Phone number of the company Phone number of the company Fax number of the company Fax number of the company Default bank account of the Default bank account of the webstore IBAN This is the account that will receive 4 5 7 webstore IBAN compensations from Maksuturva Group Oy Account number must be a Finnish bank account in IBAN form Name of the webstore Name ofthe webstore will be shown to buyers in Maksuturva service 2 WWW address of the webstore WWNW address of the webstore will be shown to buyers in Maksuturva service 3 Webstore customer service contact Webstore custome
160. o view and manage the orders in the Extranet web application KauppiasExtranet While testing the service with personal credentials in test or production environment please note that payment id pmt id is unique for each web store account pmt sellerid Read more existingPayment Payment id is invalid Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 105 181 Maksuturva Services Integration Guideline 4 1 Generic test credentials Sandbox The most simple way to verify correct hash calculation is to use general test credentials or int other words sandbox testing Yleisen testitunnuksen tiedot Seller ID testikauppias Secret key 11223344556677889900 When these are used the service operates in a separate test mode where the orders placed are never saved to database and for example instead of user actually paying the service switches to a discrete diagnostics test page Our service verifies the information content relayed by the web store and it either reports errors or constructs a reply page in accordance with the interface or in some cases an XML document Generic test credentials are applicable in both production https www maksuturva fi and testing addresses nttp test1 maksuturva fi Of course we certainly recommend using test addresses for generic testing also An example Here is an example of the d
161. oft Excel You can choose to include either claimed or settled transactions from the selected date period Important These reports do not include SveaWebPay Invoice or Part Payment transactions You can retrieve report of these from Svea Admin SveaWebPay Admin Date interval 21 07 2015 28 07 2015 Report modes Claims Settlements Invoiced Settled transactions include all transaction that have been settled or will be settled for sure to the seller Claimed transactions include all transactions that have been paid to Maksuturva s customer assets bank account that have not yet been settled to the seller Invoiced transaction include all transactions whose commissions have been or will be charged from the seller by invoice There is also a link to the SveaWebPay Admin from KauppiasExtranet s reports page After logging in to the SveaWebPay Admin service select Reports As a default on the page Admin shows links to the newest accounting reports Search for older reports by clicking on links that show older reports under the headings of payment method Note that the date of settlement reports is always slightly behind the settlement dates Select a month and click on the date link of the settlement and you will receive an itemization of settlements in PDF form Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 177 181 Maksuturva Servic
162. oftware or a payment module can still generate a invalid hash For example The string is missing one or more fields specific to the API being called The string contains fields that is not supposed to The fields have not been concatenated in correct order The web store ID or secret key are incorrect e g test and production environment have completely separate credentials For more help see section Tips for hash calculation Some fields contain whitespaces or control characters that were not part the message but have been taken into account when creating the string or the other way around The message fields contain characters outside US ASCII character set and at the same time the pmt charset COntains different charset that actually have been used for the hash calculation For example the message field pmt charset UTF 8 but the web store software calculated hash using ISO 8859 15 character set This way for example umlauts and em dash etc result into different hash values at the receiving end For example character has value c3e4 in UTF 8 and E4 in ISO 8859 15 In addition when the product information is copy pasted from rich text editors for example MS Word to the web store some special characters might cause problems later in the hash calculation since also product specific information pmt row is part of the string from which the hash is calculated from These special characters might be taken into account when
163. ollinen 5 Refund change 2 26 00 demo 3 Printed Dress Total sum of the original order 329 24 24 0 64 48 100 cotton double printed dress Black and white striped top and orange high waisted skater skirt bottom Total 264 76 All the information present on this page should be regarded as indicative only The information is based on the input given by the web store and Suomen Maksuturva Oy does not vouch its accuracy nor coverage WEB BUYER S SERVICES ARE PROVIDED BY Suomen Maksuturva Oy Phone 09 4241 7040 Business ID 2121703 0 Ruoholahdenkatu 23 Fax 09 321 3301 Domicile Helsinki 00180 Helsinki Email customerservice www maksuturva fi maksuturva fi Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 15 181 Order rows in Web Buyer s Services after a confirmed change 16 181 Maksuturva Payment Services Integration Guideline Maksuturva 1 4 Certificate page Webstores using a Satisfaction Guarantee service contain a link to a Certificate page Linking the payment method banner to Certificate page Certificate page explains essential information about the webstore available payment methods webstore s product return policies and available Satisfaction Guarantee tools Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva tii
164. on Guideline 3 10 Retrieve Maksuturva Part Payment payment plans Webstores that offer Maksuturva Part Payment as a payment options has option to retrieve pricing information for marketing purposes to the webstore using this technical interface Important This interface is meant to be called less frequently e g when updating product sheet and price information The pricing information in the response should be saved to the webstore The payment plans can be retrieved using either GET or POST from address https www maksuturva fi GetMaksuturvaPart PaymentPaymentPlans pmt Of http test1 maksuturva fi GetMaksuturvaPart Payment PaymentPlans pmt in the testing environment One cannot test this interface using sandbox test credentials In other words to be able to test this interface the webstore must subscribe to personal test credentials Also Maksuturva Part Payment must be enabled as a payment method Request parameters Field input name Format Minimum C O length 2 The total amount of the order that the buyeris 8 gpp amounttotal about to pay including all the costs Language request locale This influences mostly error messages since the OK response contains only numeric data Response The response XML document UTF 8 is returned as direct response to the HTTP GET POST request The contents are best described through an example Result codes ResultCode ResultText Description 00 SUCCESS OK 10 NO
165. on when present in the request September 4 1 1 Added 2011 additional information regarding integration of eMaksut service instructions for fetching the allowed payment methods for a certain webstore instructions for fetching the payment method banner December 4 1 2 Added 2011 hints for hash calculation Buyer and delivery name and address fields specified longer 2013 April 2014 4 1 6 Added new payment methods Maksuturva Invoice Maksuturva Part Payment 4 1 May 2014 Added new optional parameter to Allowed Payment Methods query API totalamount The total amount of the order that the buyer is about to pay Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 39 181 Maksuturva Services Integration Guideline August 4 1 9 Replaced the interface description for fetching the payment method banner images with a reference to a EA SEE 2014 October 4 1 11 Added a notification to new payment response description about pmt sellercosts parameter whose value 2014 can be larger in the response than in the original request if webstore has specified a invoicing fee for certain payment methods April 2015 4 1 12 Added new payment methods B2B Invoice Yrityslasku PayPal Resurs Bank Invoice Part Payment Card and New Card May 2015 4 1 13 Defined how the money and percentage amounts should be given Added remar
166. onment The payment method codes code values of the response are then used in Payment interface call as the value of parameter pmt paymentmethod Reguest Field input name value Format minlength C O 2 Language of the payment method display name request locale fi sv en Default fi 3 The total amount of the order that the buyeris 8 totalamount esim 47 50 about to pay including all the costs Response The response XML document is returned as direct response to the HTTP GET POST request The contents are best described through an example One example is below and further examples can be found from separate examples chapter Request example GET https www maksuturva fi GetPaymentMethods pmt sellerid SELLERID amp request locale fi amp totalamount 47 50 Response example Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi R Maksuturva Payment Maksuturva Services Integration Guideline lt xml version 1 0 encoding IS0 8859 1 standalone no gt lt paymentmethods gt lt paymentmethod gt lt code gt FI01 lt code gt lt displayname gt Nordea E maksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI06 lt code gt lt displayname gt Osuuspankki Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethods gt Material to webstore Payment method logos et
167. original row number the change concerns In this way the change can be attributed to a particular quantity of a product that was part of the original order The quantity returned cannot exceed the quantity in the original order When pmtc refund quantity of original rowN is submitted then other parameters concerning that particular order row must not be submitted Submitting additional change rows In addition to the above 0 3 additional change rows can be submitted They can be used to alter the total amount of the change Negative amount means returning crediting money to the buyer Positive amount means holding money by the merchant due to handling or refund costs Each additional change row requires 5 7 of the parameter fields of the table below to be submitted Fields for article number and unit are optional The price must be communicated either gross or the net but not both Field input name Format C O Row type Returned quantity of products 0 N pcs The returned pmtc refund quantity of original rowN e g 1 N8 C O quantity of where N is the original order row number products of row N in the original order EN Row type Additional change row 0 3 pcs 2 Product or row pmtc additional row nameN e g Product 1 AN40 name where N is number 1 3 hi 5 Product article pmtc additional row articlenrN AN10 number Row unit of pmtc additional row unitN e g kg or pcs quantity 7 Row gross pmt
168. ory but when it is present in the reguest it must have at least the minimum length Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm Maksuturva Payment 43 181 Services Integration Guideline 3 3 2 1 Request parameter descriptions Field Description 1 Action code NEW PAYMENT EXTENDED 2 Message version Version of interface content 3 Seller id Technical user id given to the webstore by Maksuturva Group Oy Seller IBAN Not in use Account number used for compensations to the seller Optional and should be given only if the payment should be transferred to another account than defined in the Maksuturva service Must be a Finnish bank account number in IBAN format 5 Unique Payment ID Identifier given to the payment transaction by the webstore Must be unique 6 Order id Identifier given to the order by the webstore Order id should be known by the buyer Payment reference number Reference number given by the webstore and used when compensating the seller The reference number must comply with the guidelines for a formal reference number issued by the Federation of Finnish Financial Services FK http www fkl fi The reference number must be at least 4 digits the last of which is a check digit 8 Payment due date A due date given to the payment by the webstore Currently should be today Buyer s user s locale 10 Sum of
169. r service contact information information This will be part of confirmation and other e mails sent to buyers from Maksuturva service This must be comprehensible by Finnish Swedish and English speaking persons Example info verkkokauppa fi 09 123 4567 14 Street address of the company Street address of the company running the webstore 5 P O box of the company P O box of the company 1 Postal code of the company Postal code of the company City of the company City of the company Country code of the company Country code of the company Based on ISO 3166 1 standard Default FI 9 Billing street address of the Billing street address of the company running the webstore 6 17 18 company Billing address information must be given if it s different from company s generic address information described above 24 Street address of the webstore Street address of the webstore 20 21 22 23 Webstore s address information must be given if it s different from company s default address P O box of the webstore P O box of the webstore Postal code of the webstore Postal code of the webstore City of the webstore City of the webstore Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 25 26 27 Maksuturva Payment 93 181 Maksuturva Services Integration Guideline Country of the webstore Country of the webstore Based on
170. ration Guideline 3 3 3 2 Response parameter descriptions Field Description NEW_PAYMENT_EXTENDED B Message Version of interface content Same as in the input message 2 version 3 Payment ID Unique Identifying number given to the transaction by the webstore Same as in the input message Reference Reference number given by the webstore and used when the order is settled to the seller The reference 5 number number is in its technical format i e with leading zeros without spaces and with total length of 20 digits The response hash is calculated with the reference number in this format Same as in the input message Sum of The total gross sum of row types 1 4 5 and 6 products and If the order does not contain any postal or handling cost rows types 2 and 3 then this is the total amount services ofthe ofthe order order The amount is presented with two decimals The decimal delimiter is a comma e g 94 80 Payment Currency of the payment Always EUR currency 7 Sum of The total gross sum of row types 2 and 3 handling and The amount must be presented with two decimals The decimal delimiter is a comma e g 7 40 delivery costs of the order method codes and names using GetPaymentMethods pmt API see chapter Retrieve Available Payment Methods Indicates what payment method the buyer chose For available codes see section Payment Method Codes Important Please do not use the values of the table above
171. rderid value 1998524 input type hidden name pmt reference value 19985242 input type hidden name pmt duedate value 15 10 2014 input type hidden name pmt userlocale value fi FI input type hidden name pmt amount value 568 10 input type hidden name pmt currency value EUR input type hidden name pmt okreturn value http www mytestshop fi pay return Success do gt lt input type hidden name pmt errorreturn value http www mytestshop fi pay return Error do gt lt input type hidden name pmt cancelreturn value http www mytestshop fi pay return Cancel do gt lt input type hidden name pmt delayedpayreturn value http www mytestshop fi pay return Cancel do gt lt input type hidden name pmt escrow value Y gt lt Tyytyv isyystakuu palvelu escrow Y gt lt input type hidden name pmt escrowchangeallowed value N gt lt input type hidden name pmt buyername value Teemu Testaaja gt lt input type hidden name pmt buyeraddress value Ruoholahdenkatu 23 gt lt input type hidden name pmt buyerpostalcode value 00180 gt lt input type hidden name pmt buyercity value Helsinki gt lt input type hidden name pmt buyercountry value FI gt lt input type hidden name pmt buyerphone value 0401234567 gt lt inp
172. riptions DRM 69 9 50 Delivery Method BONGGA AGA KANA AA APAN AA 70 3 5 7 Response code VANES PN 71 3 6 Payment refunds and cancellations sedis nkasama tuataas viike kka liiki Akadi 72 9 6 EIS Re DC K ai AA 73 3 6 2 Payment Cancel eques abrieron aec enable AA a kaia 74 3 6 2 1 Request parameter descriptions a 77 3 6 3 Payment Cancel RSDOFIS iiem ors pta sucia hiti kaikki katik a 79 3 6 3 1 Response parameter descriptions a a 80 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 3 Maksuturva Services Integration Guideline 3 7 Retrieve Settlement Reports naaa KAGANAPAN 3 7 1 Changs fT 31 2 REDOM REQUEST AA AA T TT T SW M Report ContenliStu uu rc 3 7 3 1 Logical Explanations of The Response Elements Salah Cere pU EL TNT ERN 3 7 3 3 The XML Response BDOCUITIBIE aasang LAGA dana 3 8 Merchant Subscription for Webstore software providers 3 8 1 Subscription FRE GQUESE haaa AABANG ANAN AGA 3 8 1 1 Request parameter descriptions aanak saak an add Naan ha KA 3 8 2 SUDSOMIPION RESp NSE uuu u u uu AALAGA aa 3 8 2 1 Response parameter descriptions Raakaa 2 9 mash C
173. ry code country code of the IP address of the buyer s browser connection and the country of delivery of the product or service differ from each other and or the transaction is not verified it is a good idea to review the order in greater detail before delivery and consider possibly contacting the buyer The merchant can reject a transaction if he has justified reason for suspecting misuse However it should be noted that there may be a natural explanation for having different country code and delivery country information for example the buyer may be on assignment abroad on student exchange or be using a debit or credit card issued by a multinational bank The traffic lights of Maksuturva in risk management tools are green orange and red The green color verifies a card transaction in which no risk alerts have occurred The orange color code portrays an unverified card transaction in which no other risk signals occurred for instance all business card payments go to this category as unverified transactions The red color code indicates an unverified card transactions in which the country code of the card issuer and the country code of the IP address of the buyer s browser connection differ from each other How to check unverified card transactions Select Only unverified card payments from the Payment methods list on the Transactions page and enter the interval from the period you want to review Level Transactions Summary Payer name
174. ry times Click here for more information on the Satisfaction Guarantee Payment methods under the Satisfaction Guarantee Suomen Maksuturva Ltd is responsible for ensuring secure payment transfers The following payment methods fall under the satisfaction Guarantee O OBE O maam S Pankki A e v Qum VISA f myos NG raw visa EDD eec due SSL https encryption Your account or card information will never be relinquished to ja Purchasing through Maksuturva in this web store is always secure All transactions use any third party Powered by Suomen Maksuturva Oy www maksuturva f gt Terms of service Privacy policy An example of Certificate page Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment Services Integration Guideline 17 181 18 181 Maksuturva Payment Services Integration Guideline Maksuturva 1 5 Ordering the Service Webstore can order test service themselves using the subscription form Test environment Maksuturva Basic Maksuturva Gold eMaksut and eMaksut Laaja http test1 maksuturva fi tilaapalvelu Production environment Read more 4 Testing Maksuturva Basic Maksuturva Gold eMaksut and eMaksut Laaja https www maksuturva fi tilaapalvelu When you wish to have a service tailored to your needs please contact to Maksuturva sales https www maksuturva fi en suomen maksuturva oy contact us
175. s Engish Sign out es m Vaunkogo E Tilauksen maksaminen gt gt WOMEN DRESSES T SHIRTS Maksun summa Maksun saaja Tarkinta s hk postiosoite SHOPPING CART SUMMARY a28 ikan Q z D 4 Es a 4 A QO wa MSA ome ES 8 AE E Wem Verified by MasterCard Q SES w mme a TOTAL 191 60 Asiak lt Continue shopping 7 aooresses Webstore Suomen Maksuturva Oy MALE 70 OFF ALL PRODUCTS EEE 0123496719 Ota meihin yhteytt Finnish gt Kifaudu ulos eba eba Yookoge D om WOMEN DRESSES T SHIRTS Aktia P Svenska Aktia verkkomaksu Syota k ytt j tunnus ja salasana K ytt j tunnus TILAUSVAHVISTUS l Salasana Uutiskirje syo santopostosoitees Seuraa meit Tuoteryhm t Tiedot Asiakassivut valikko m ritykset Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 8 181 Maksuturva Payment Services Integration Guideline Maksuturva Choosing payment method already in the webstore When Maksuturva and Webstore has mutually agreed on it webstore can display the available payment methods for he buyer in their webstore In this scenario the Maksuturva s page for choosing the payment method is skipped altogether This requires the webstore to retrieve the available payment methods per order using Retrieve Available Payment Methods API Also the Payment API must contain the code of the paymen
176. s gt lt compensation gt lt compensation gt another compensation lt compensation gt lt compensations gt lt getCompensationsResponse gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 89 181 Maksuturva Services Integration Guideline 3 8 Merchant Subscription for Webstore software providers Version 1 1 Please notice that this service is intended to be used by webstore software providers that provide their hosting services for multiple webstores This service enables webstore software providers to offer webstores seamless and easy integration to Maksuturva as their Payment Service Provider In other words a single webstore does not gain anything from integrating this service Furthermore this service requires use of a webstore software provider ID which is different kind of credentials than webstore ID used for example in Payments API Webstore software provider can send information about the webstore using this interface for faster and simpler webstore subscription and deployment procedure at Maksuturva Webstore fills in the missing information and makes his choices regarding Maksuturva services and finally signs the subscription using Internet banking credentials TUPAS or orders paper contracts by mail for signing The response message indicates following result scenarios Created a new customer and a new payme
177. st gt lt PaymentPlanLineCount gt 24 lt PaymentPlanLineCount gt lt PaymentPlanLine gt lt Capital gt 28 00 lt Capital gt lt DueDate gt 2015 06 18 lt DueDate gt lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 1 lt InstallmentNumber gt lt Interest gt 0 00 lt Interest gt lt InvoiceDate gt 2015 06 04 lt InvoiceDate gt amp Tobsl 31 00 TOotal lt PaymentPlanLine gt lt PaymentPlanLine gt lt Capital gt 21 02 lt Capital gt lt DueDate gt 2015 07 18 lt DueDate gt lt Fee gt 3 00 lt Fee gt lt InstallmentNumber gt 2 lt InstallmentNumber gt lt Interest gt 6 98 lt Interest gt lt InvoiceDate gt 2015 07 04 lt InvoiceDate gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 101 181 102 181 lt Maksuturva Payment Services Integration Guideline Maksuturva lt Total gt 31 00 lt Total gt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlanLine gt lt PaymentPlan gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt NO PLANS AVAILABLE response example xml version 1 0 encoding UTF 8 standalone no gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt ResultCode gt 10 lt ResultCode gt lt ResultText gt NO PLANS AVAILABLE lt ResultText gt lt SellerId gt 1234567890ABCDE l
178. strictions are present because buyer s address information received from credit check for invoice and part payment can contain characters that are not present in character sets ISO 8859 1 or ISO 8859 15 Field input name TAN value p 07 0 1 PAYMENT_STATUS PAYMENT STATUS QUERY PAYMENT STATUS QUERY AN50 Message pmtq version Version 022 content Same as 0005 AN4 version inthe 022 message 3 Seller ID pmtg sellerid Seller ID given to the webstore by AN15 C Maksuturva Group Oy Technical interface user id Payment ID pmtq id Unique identifying number given AN20 to the payment transaction by webstore Sum of pmtg amount The total sum of products and AN17 I pmtg returntext Brief description of the response AN100 C code rediet services of the order and If the order does not contain any services of postal or handling costs then this is the order the total amount of the order The amount must be presented with two decimals The decimal delimiter is a comma e g 94 80 Response pmtq_returncode Indicates success or failure Values code and explanations of all the codes can be found at section Response code values AN400 codes of the untraceable deliveries submitted to deliverables Maksuturva of the order system regarding this payment Format XX XY YY 0 n times depending on the count of submitted tracking codes or information of untraceable deliveries XX Delivery type code XY Tracking
179. stshop fi pay return Error do pmt id 1998524 l amp error fields model pmt deliverypostalcode Invalid buyer email billing address postal code and delivery address postal code http www mytestshop fi pay return Error do pmt id 1998524 1N amp error fields model pmt buyeremail model pmt buyerpostalcode model pmt deliverypostalcode Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 123 181 Maksuturva Services Integration Guideline 5 3 1 Example of payment request composition and hash calculation PHP Here is a brief step by step example of how one can create a new payment request in their webstore software These simplified examples are based on the implementation found from Maksuturva Prestashop Payment Module In case of actual live production environments and webstores one must perform further validation and e g take into account for example character set issues Especially one should pay attention on how they store and reserve the secret key given by Maksuturva The secret key must never be part of any request It should only be used when creating the string from which the request hash is calculated That is neither this string in its final form should be shown or saved anywhere in plain text Constants helper lists or tables See full list and description of parameters from Payment API List of compulsory payment fiel
180. sultCode gt 99 lt ResultCode gt lt ResultText gt ERROR lt ResultText gt lt SellerId gt 1234567890ABCDE lt SellerId gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 103 181 Maksuturva Services Integration Guideline lt AmountTotal gt 10000 01 lt AmountTotal gt lt Error type general gt Response from the credit provider The purchase amount exeeds the maximum allowed limit Error lt GetMaksuturvaPartPaymentPaymentPlansResponse gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 104 181 Maksuturva Payment Services Integration Guideline Maksuturva 4 Testing Testing is free and depending on the case you will need general and or personal test credentials to access the test environment In testing environment real money is never handled nor real deliveries tracked General test credentials Sandbox testing are meant for verifying the technical interface messaging between the web store and our payment service This means message content validation and security details verification Personal test credentials are used to test the buyer s payment process and to oversee and manage the web store s orders In testing environment the payment occurs for example in online banking test service and the webstore has the opportunity t
181. sulttext gt OK lt pkg resulttext gt lt pkg sellerid gt ABC123DE lt pkg sellerid gt lt pkg id51998524 1 lt pkg id lt pmtg gt DeleteDeliveryinfo Reguest example form action http testl maksuturva fi deleteDeliveryInfo pmt gt input type hidden name pkg version value 0002 gt lt input type hidden name pkg sellerid value ABC123DE gt lt input type hidden name pkg id value 1998524 1 gt input type hidden name pkg deliverymethodid value ITELL input type hidden name pkg remdeliverymethod value JJFI12345612345234567 gt input type hidden name pkg allsent value N gt lt input type hidden name pkg forceupdate value N gt input type hidden name pkg resptype value XML gt lt lt input type hidden name pkg return value gt gt lt input type hidden name pkg hashversion value SHA 256 gt lt input type hidden name pkg hash value CA40867A33B5E6ACD525F89E398970A98C73F83AF9DO2EAECCAFE2E2E92636E1 gt lt input type hidden name pkg keygeneration value 1 gt o lt input type submit value Delete delivery info gt form DeleteDeliveryInfo Response example OK Response lt pmtg gt lt pkg resultcode gt 00 lt pkg resultcode gt lt pkg version gt 0002 lt pkg version gt lt pkg hash gt CFDDF22DD538FFECF6F784F5E10C88A3704ED5
182. suturva fi Terms of service Privacy policy ABOUT SSL CERTIFICATES 11 181 After the inspection period has passed Maksuturva settles the order to webstore and or refunds possible changes to buyer Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 12 181 Maksuturva Payment Services Integration Guideline Maksuturva Examples of Satisfaction Guarantee tools available in Web Buyer s Services Product return form Row Item Product number Oty Total Return gty I m returning the whole order 1 Faded Short Sleeve T shirts demo 1 1 191 60 0 1 2 Blouse 123456 2 665966 092 3 Printed Dress demo_3 2 6448 ol 2 4 Posti verollinen 1 6 20 Total 329 24 Please note that when you return only part ofthe order as a default additional expenses such as shipping will not refunded In ambigous situations please contact the vendor Items to be returned Product number Oty Total Price to be returned 0 00 ss Choose Additional information have used one or more of the returned products If the customer has used the products otherwise than what is necessary for detecting the nature features and operation of the product the online vendor has the right to charge the value decrease from the refundable sum in accordance with the Consumer Protection Act Read more Consumer Protectio
183. t Maksuturva certified e shop Bl smooth and reliable service 24h Follows the new web store legislation V Offers online return form Y Guaranteed money refunds if products are returned V RunnerNet demo http runnernet fi WEB STORE SERVICE PROVIDER runner net Suomen Maksuturva BUSSINESS ID EMAIL ADDRESS PHONE NUMBER 44444447 asiakaspalvelu maksuturvafi 09 4241 7040 CUSTOMER SERVICE OPENING POSTAL ADDRESS RIGHT OF RETURN HOURS Ruoholahdenkatu 235 14 days ma pe 9 17 00180 Helsinki RunnerNet demo is a demo store for presenting the service Returning ordered products and services Returning products and money refunds After you have received your order Maksuturva sends the Web buyer s services site link to your e mail Where you can also find the form for oroduct returns After filing in the return form return the products to the online vendor within 14 days The money will be refunded after the online vendor has received and inspected the returned products Read mare about the Web Buyer s Services and try aut the demo page and return form Return period There is a 14 days right of return for products and services ordered fram the online vendor that have been paid by Maksuturva s payment methods The time is calculated from the date when you receive the product Note that some of the online vendor s products may not be returned 2 5 intimate hygiene products perishable goods music and films
184. t lt code gt FI01 lt code gt lt displayname gt Nordea E maksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI02 lt code gt lt displayname gt Danske Bank Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI03 lt code gt lt displayname gt Aktia verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI04 lt code gt lt displayname gt POP Pankin verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI05 lt code gt lt displayname gt Tapiola Pankki Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI06 lt code gt lt displayname gt Osuuspankki Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI07 lt code gt lt displayname gt landsbanken E maksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI08 lt code gt lt displayname gt S st pankin verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI09 lt code gt lt displayname gt Handelsbanken Verkkomaksu lt displayname gt lt paymentmethod gt lt paymentmethod gt lt code gt FI10 lt code gt Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 116 181 Maksuturva Payment Services I
185. t SellerId gt lt AmountTotal gt 1 00 lt AmountTotal gt lt Error name gpp amounttotal type field gt The credit provider did not return any payment plans for the given total amount lt Error gt lt Get aksuturvaPartPaymentPaymentPlansResponse gt ERROR response examples xml version 1 0 encoding UTF 8 standalone no gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt lt Resul Resul tCode gt 99 lt ResultCode gt t Text gt ERROR lt ResultText gt lt SellerId gt 1234567890ABCD lt SellerId gt lt AmountTotal gt 573 10 lt AmountTotal gt lt Error name gpp sellerid type field gt Invalid reguest parameter gpp sellerid value 1234567890ABCD lt Error gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt xml version 1 0 encoding UTF 8 standalone no gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt lt Resul Resul t Code gt 99 lt ResultCode gt t Text gt ERROR lt ResultText gt lt SellerId gt 1234567890ABCDE lt SellerId gt lt AmountTotal gt aaa lt AmountTotal gt lt Error name gpp amounttotal type field gt Invalid reguest parameter gpp amounttotal value aaa lt Error gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt xml version 1 0 encoding UTF 8 standalone no gt lt GetMaksuturvaPartPaymentPaymentPlansResponse gt lt Re
186. t input type hidden name pmt errorreturn value http www mytestshop fi pay return Error do paid 0 gt lt input type hidden name pmt cancelreturn value http www mytestshop fi pay return Cancel do paid 0 lt input type hidden name pmt delayedpayreturn value http www mytestshop fi pay return Cancel do paid 0 input type hidden name pmt escrow value N lt Suoramaksupalvelu escrow N gt lt input type hidden name pmt escrowchangeallowed value N gt lt input type hidden name pmt paymentmethod value FI60 gt lt Verkkokaupassa valittu maksutapa gt lt input type hidden name pmt buyername value Teemu Testaaja gt lt input type hidden name pmt buyeraddress value Ruoholahdenkatu 23 gt lt input type hidden name pmt buyerpostalcode value 00180 gt lt input type hidden name pmt buyercity value Helsinki gt lt input type hidden name pmt buyercountry value FI gt lt input type hidden name pmt buyerphone value 0401234567 gt lt input type hidden name pmt buyeremail value teemu testaaja maksuturva fi gt lt input type hidden name pmt deliveryname value Teemu Testaaja gt lt input type hidden name pmt deliveryaddress value Ruoholahdenkatu 23 gt lt input type hidden name pmt deliverypostalcode value 0
187. t method pmt paymentmethod buyer chose in the webstore When buyer chooses payment method on a page displayed by Maksuturva he she agrees on the terms and conditions of Satisfaction Guarantee payments On the other hand if buyer chooses payment method in the webstore that is using Satisfaction Guarantee webstore must display the aforementioned terms and conditions in the webstore and ensure the buyer agrees on them An example Buyer pays the order using Aktia payment choosed in the webstore pmt paymentmethod F103 SALE 70 OFF ALL PRODUCTS Aktia Voerdaga H WOMEN DRESSES T SHIRTS Aktia verkkomaksu P Svenska Syota k ytt j tunnus ja salasana K ytt j tunnus SHOPPING CART SUMMARY Your shopping cart contains 6 Products i Salasana Product Description Awa QN Total pwe w EI 8 te eg B TOTAL 191 60 lt Continue shopping 7 aooresses Webstore SALE 70 OFF ALL PRODUCTS E Ota meihin yhteytt Finei fede m WOMEN DRESSES T SHIRTS a TILAUSVAHVISTUS lt Takaisin tilauksiin UT TEIL Mt Seuraa meita Tuoteryhm t Tiedot Asiakassivut valikko m ritykset Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 9 181 Maksuturva Services Integration Guideline 1 2 Delivery Information management and tracking Delivery information management and tracking is only ava
188. thdraw the reclamation After this either party can make the appropriate changes to the order according to negotiated solution Cancelled The payment transaction and order has been cancelled Webstore has either cancelled it or confirmed buyer s cancellation proposal Also Maksuturva may have cancelled the order if requested Important In case of Direct payment services e g eMaksut this does not concern Bank payments Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 62 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 4 3 2 Delivery status code values Delivery status code values are only relevant in case of Satisfaction Guarantee services e g Maksuturva Gold Status Short description Description code 00 code received We have received a tracking code Delivery not yet found 10 Being delivered Delivery has been verified using a logistics company s system or a certain time has passed since receiving information about an untraceable delivery Waiting for pickup Logistics company has indicated that the delivery has arrived in the office where the order recipient can pick up the delivery This status may also indicate that the delivery is currently being delivered to the recipient s delivery address 80 Delivered The recipient has received the order Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsink
189. the order is actually delivered For example if buyer gives his home address the billing address pmt buyeraddress etc but chooses a delivery to a Parcel Point or chooses to fetch the product from the store the delivery address must be either the Parcel Point s or store s address Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 47 181 Maksuturva Services Integration Guideline 3 3 2 2 Order Rows Order rows fields beginning with pmt row have been mandatory since new payment interface version 0004 was represented in 2011 Order rows should contain comprehensive information about the order Also the amount fields pmt amount and pmt sellercosts must match the calculated gross sum of the associated row types Each order row can contain either net or gross unit price but never both that is not allowed Using net unit prices If the webstore uses net price as basis for its calculations it s recommended to include that net price in the message sent to Maksuturva pmt row price net In such case the Maksuturva system will calculate the prices in the same way as the webstore gross is calculated from net price and VAT values pmt row price net product unit price excluding VAT without considering discount Using gross unit prices If the webstore uses gross price as basis for its calculations it s recommended to include that gross price in the m
190. the transactions that require actions from you shipment data missing and cancellations by buyers and that have not yet been settled The statuses of a transaction serve as links to transactions Transaction state Count Gross sum Commission Netsum Missing tracking code 23 xxx xxx xxx Cancelled by payer gt 15 xxx xxx xxx Unpaid 0 XXX XXX xxx Being delivered unsettled gt 136 xxx xxx xxx Missing tracking code Buyers have paid for these transactions but they have not yet been given shipping data Related shipping data must be added to every transaction so that Maksuturva can track the progress of a shipment and finally settle the payments to the web store See adding shipping information in section 7 2 4 1 Adding shipping data Cancelled by payer These are transactions for which the buyers have taken advantage of Maksuturva s Satisfaction Guarantee service i e they have made a reclamation want to negotiate a price reduction made a partial return or have cancelled an entire order through the Web Buyer s Services page Open an event to get more information of the buyer s actions In order to refund payments to buyers who have cancelled a purchase or made a partial return you must accept the cancellation or partial return If the order being cancelled involves the return of a product do not make the cancellation until you have received the return from the buyer Read more from section 7 2 4 3 Making changes buyer initiates
191. tion Guarantee Services e g Maksuturva Gold Payment services containing Satisfaction Guarantee in other words Escrow Services e g Maksuturva Gold an inspection period at least 14 days recommended is specified In case of these escrow payments Maksuturva keeps the buyer s payment funds on Customer Assets bank account and offers powerful tools for making changes made to the order e g product returns and the resulting refunds to the buyer Inspection period starts when buyer has received the order When the inspection period has passed the order is settled to the webstore and possible refunds are made to the buyer s bank account card or invoice In case of escrow payments the following technical interfaces are available for the webstore Retrieve Available Payment Methods Retrieve Dynamic Image Material Payment Payment Status Query Delivery Information Management Payment refunds and cancellations and Retrieve Settlement Reports For buyers Maksuturva provides a service called Web Buyer s Services where the buyer has various tools for proposing changes to his or her order For webstores Maksuturva provides a service called KauppiasExtranet where webstore has even more tools for making or approving the changes to the orders Service Interfaces at a glance Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 6 181 Maksuturva Payment Services Integra
192. tion Guideline Ma ksuturva Maksuturva Service with Maksuturva Direct Satisfaction Guarantee Payments Service Payment Status Query N E Payment Payment Status Query t ma m mum mum mum mum mum mus Rum a Rum m a mm tt n Delivery Information Management Refunds and Cancellations I I I I I I I I I I I I I I I I I I I I I I I I I I I I 4 N Settlement Reports Settlement Reports Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 7 181 Maksuturva Services Integration Guideline 1 1 Payments The buyer chooses Maksuturva when he she wants to pay the order Webstore then sends the order and payment details to Maksuturva using Payment API Buyer is then displayed a page where he she can choose one of the payment methods made available in the webstore The page appearance and layout depends on the payment service the webstore has subscribed to If webstore uses Direct Payment service e g eMaksut the payment request must contain parameter pmt escrow N Correspondingly if webstore uses Satisfaction Guarantee service e g Maksuturva Gold value pmt_escrow y must be used An example Buyer pays the order using Aktia payment JUL SALE 70 OFF ALL PRODUCTS EEE Nurme lt sm Contact u
193. to deliver order information or payment transaction information to Maksuturva Payer chooses a payment method and pays the order or decides to interrupt the payment process Return addresses The payment process outcome is usually indicated by the webstore address URL to which the buyer is redirected OK return address pmt okreturn Payment confirmed successfully Cancel return address pmt cancelreturn Payment process interrupted buyer probably decided to interrupt it Error return address pmt errorreturn Payment process interrupted because of an error Delayed payment return address pmt_delayedpayreturn Buyer confirmed that he or she will pay the order later by credit transfer or giro payment not yet actually confirmed Important Credit Transfer or Giro is not supported nowadays in of the shelf payment services This is why we suggest using same address for both cancel and delayed payment return address pmt delayedpayreturn pmt cancelreturn In some cases the buyer never manages in returning to the webstore This is why it is crucial that every webstore also integrates and uses Payment Status Query API See the interface description for full details and argumentation Escrow parameter Please notice that pmt escrow parameter value is determined by the payment service type webstore uses wrong value results into a technical error Satisfaction Guarantee payment service pmt escrow Y Direct payment ser
194. tuote 1 2 Tailored product 1 300 008 23 62 10 10 332 10 kustomoitu tuote 2 3 Postal rate 1 5 00 0 0 00 0 5 00 postituskulut 4 Discount 1 10 00 0 0 00 0 10 00 ALENNUS 1 total 573 10 Delivery information Delivery method Itella All delivery information has been entered Yes No Delivery tracking code Save Delivery tracking code Delivery state JJEI65432100000xxxxxx gt Created Poista Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 154 181 Maksuturva Payment Services Integration Guideline Maksuturva 7 2 4 1 Adding shipping data Registered shipment If an order is shipped via registered shipment packages registered insured letters cargo add the related shipment identification to the transaction The shipment identification is an ID number or bill of lading number known by the shipping company and used for tracking the shipment To start adding shipment ID s start by selecting the shipping company that delivers the shipment After this enter the shipment ID number you receive from the shipping company and press the Save button If there is more than one shipping ID connected to the shipment of the transaction do not select Yes in the selection item All delivery infomation has been entered until giving the last shipment ID number Delivery information Delivery method It
195. turva Payment Services Integration Guideline Maksuturva Loop through the list of fields included in the hash and add their value to the string from which the hash is calculated Optional fields are included only if they are present that is they have a value foreach hashData as Shash data parameter name switch Shash data parameter name case pmt selleriban case pmt invoicefromseller case pmt paymentmethod case pmt buyeridentificationcode if in array Shash data parameter name array keys Sorder data ShashString Sorder data Shash data parameter name amp break default ShashString Sorder data Shash data parameter name amp foreach Sorder data pmt rows data as Sorder foreach Sorder as data ShashString Sdata amp ShashString get MAKSUTURVA SECRET KEY amp return hash valittu hash algoritmi hashString 5 Request compilation Surl 0 foreach Sorder data as key gt data if Skey pmt rows data SrowCount 1 foreach data as rowData foreach SrowData as rowKey gt SrowInnerData url rowKey SrowCount SrowInnerData amp J SrowCount J else url key data amp url pmt hash generateHash return Surl Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Cmm
196. turva fi it helpdesk maksuturva fi Maksuturva Payment 87 181 Maksuturva Services Integration Guideline 3 7 3 3 The XML Response Document XML contents are best described through an example xml version 1 0 encoding UTF 8 gt lt getCompensationsResponse gt lt version gt 0001 lt version gt lt timestamp gt 2010 05 30T09 30 10 02 00 lt timestamp gt lt sellerId gt ABCD1234 lt sellerId gt lt resultCode gt 00 lt resultCode gt lt resultText gt OK lt resultText gt lt hashVersion gt SHA 256 lt hashVersion gt lt keyGeneration gt 001 lt keyGeneration gt lt hash gt e3b0c44298fc1c149afbf4c8996f b92427ae41e4649b934ca495991b7852b855 lt hash gt lt compensations gt lt compensation gt lt compensationCode gt contains the compensation code IF this is an actual bundle compensationType BUNDLE and not a compensation of a single payment lt compensationCode gt lt compensationType gt SINGLE this bundle is a compensation of a single order BUNDLE many orders are included in this bundle lt compensationType gt lt compensationDate gt 2010 05 30T00 00 00 02 00 lt compensationDate gt lt reference gt 12345123451234512345 lt reference gt lt grossAmount gt the gross amount of all orders included in the bundle This is the value originally expected by the web store lt grossAmount gt lt netAmount gt the actual compensated amount lt netAmount
197. uomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 28 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 1 Retrieve Available Payment Methods per order In cases where payer chooses specific payment method in the webstore the available payment methods must be received online for each order This is essential since the available payment methods depend on the total amount of the order Some payment methods include restrictions regarding the total amount min and max amounts To tackle this the API contains a parameter totalamount which dictates what payment methods are to be included in the response In other words in case of small e g below 70 and large e g over 1000 orders only part of the payment methods is available for the buyer to choose from At the moment only bank and card payment methods are always available regardless the total amount of the order However when webstore has net settlements in use each order s total amount must exceed the minimum transaction fee e g usually 0 50 in case on card payments This is not applicable when webstore uses gross settlements where transaction fees are charged separately by invoice The available payment methods can be retrieved using either GET or POST from address nttps www maksuturva fi GetPaymentMethods pmt Of http testi maksuturva fi GetPaymentMethods pmt in the testing envir
198. ut type hidden name pmt buyeremail value teemu testaaja maksuturva fi gt lt input type hidden name pmt deliveryname value Teemu Testaaja gt lt input type hidden name pmt deliveryaddress value Kotikatu 1 gt lt input type hidden name pmt deliverypostalcode value 00330 gt lt input type hidden name pmt deliverycity value Helsinki gt lt input type hidden name pmt deliverycountry value FI gt lt input type hidden name pmt sellercosts value 5 00 gt lt input type hidden name pmt rows value 4 gt input type hidden name pmt row namel value Tuote A Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva lt input lt inpu lt inpu lt input lt lt inpu vaihtoeht lt input lt inpu lt inpu lt input lt inpu kuvaus lt input lt inpu lt inpu lt lt input vaihtoeht lt inpu lt input lt inpu lt inpu lt input lt inpu lt inpu lt input lt lt inpu vaihtoeht lt input lt inpu lt inpu lt input lt inpu lt input lt inpu lt inpu lt lt input vaihtoeht lt inpu lt input lt inpu lt inpu lt input lt inpu lt inpu value D2 lt inpu lt form gt type hidden type hidden name pm type hidden nam
199. uyer for the bank account number to which the refund is deposited Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 158 181 Maksuturva Payment Services Integration Guideline Maksuturva Cancel information Once you have cancelled the order we will send an email notification to the payer As soon as the payer has confirmed the cancellation for his her part we will refund the money to the payer s bank account Cancel reason Choose M Camel Back to Transaction Information Cancel description showed to the payer Transaction Information Creation time Transaction state State change time 27 07 2015 17 29 27 Being delivered unsettled 27 07 2015 17 44 46 Order number Payment code Reference number 8891227 LUHFLAZSD3WZRWCATFGT 123 45678 90120 Original gross amount Original commission Original net amount 573 10 XXX 487 13 Gross amount Commission Net sum 573 10 XXX 487 13 Estimated dispatch delay Payer name Payment method 0 Teemu Testaaja Cooperative Bank E payment row type quantity X unitprice vat vat discount gross net total product number item 1 Product 2 100 00 23 46 00 0 246 00 tuote 1 2 Tailored product 1 300 00 23 62 10 10 332 10 kustomoitu tuote 2 3 Postal rate 1 5 00 0 0 00 0 5 00 postituskulut 4 Discount 1 10 00 0 0 00 0 10 00 ALENNUS 1 total 573 10 Delivery informatio
200. v underskriven a service founded earlier was signed 10 Hash for response Hash value calculated from certain form fields and the secret key of webstore service provider given by Maksuturva For more information see Maksuturva Interface Integration Guidelines document The following fields are used for the hash of this response message srv businessid srv webstorewww srv interfaceuserid srv interfacecredential srv extranetuserid srv extranetcredential srv state Error code for this Error code for this subcscription subcscription 10 Virheit rajapinnassa v litetyiss tiedoissa fel i gr nssnittets uppgifter errors in the interface data 20 Verkkokaupalle on jo perustettu palvelu n tbutiken har redan en tjanst the web store already has a service 30 Tekninen virhe tekniskt fel technical error 40 Kauppias keskeytti palvelun k ytt noton n thandlaren avbr t processen the vendor cancelled the process 12 Error description for this More specific error description for this subcscription May for example include a list of erroneous subcscription fields Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 97 181 Maksuturva Services Integration Guideline 3 9 Hash Calculation Each message contains a hash that has been calculated from the fields required in the interface specific descriptions A
201. va manage risks related to debit and credit card payments When you have the Satisfaction Guarantee Service with KauppiasExtranet you also can add shipping data to the order only in the Satisfaction Guarantee service make a cancellation full return partial returns or refunds also for orders made with online bank payments SveaWebPay Invoice or SveaWebPay Part Payment process returns partial returns and reclamations made by buyers When making a money refund for an order regardless of your type of payment service whether or not returns have already been made for the order or whether or not payments for the order have already been settled always try to first make a refund in KauppiasExtranet KauppiasExtranet Iu Transactions Webstore Information Service Information Reports Contactus Feedback statistics Transactions Logout The Account Transactions page shows a summary of pending transactions and allows you to browse transactions using various search criteria You can also process individual orders by adding shipping data for instance process cancellations and returns by buyers or cancel a transaction You can review the data of your company web store and Maksuturva service from the Webstore Information and Service Information pages On the Reports page you can easily generate reports needed for accounting in csv format The reports for purchases paid with SveaWebPay payment methods can be retreived from T
202. value DEFEC gt lt input type hidden name pmtc_resptype value XML gt lt input type hidden name pmtc_hashversion value SHA 256 gt lt input type hidden name pmtc_hash value E6495B9E0C05BE827F5BE97FA371193B793F59B4F2A4068165BDA4DAEBA96E6F7 gt lt input type hidden name pmtc keygeneration value 1 gt lt input type submit value L het peruutussanoma gt lt form gt XML Response examples HTTP RESPONSE OK Response lt pmtc gt lt pmtc_action gt CANCEL lt pmtc_action gt lt pmtc_version gt 0005 lt pmtc_version gt lt pmtc_sellerid gt ABC123DE lt pmtc_sellerid gt lt pmtc_id gt 1998524 1 lt pmtc_id gt lt pmtc_returncode gt 00 lt pmtc_returncode gt lt pmtc_returntext gt Cancel received succesfully lt pmtc_returntext gt lt pmtc hash gt E8343D1E9995854BA4A13BESB6FB4E4DD61A362BE682336CA7A10145BC77FFEC lt pmtc hash gt lt pmtc gt Error response missing pmtc cancelamount from the reguest e g in case of a partial refund lt pmtc gt lt pmtc action gt CANCEL lt pmtc action gt lt pmtc version gt 0005 lt pmtc version gt lt pmtc sellerid gt ABC123DE lt pmtc sellerid gt lt pmtc id gt 1998524 1 lt pmtc id gt lt pmtc returncode gt 90 lt pmtc returncode gt lt pmtc returntext gt Errors in input data specified in element errors lt pmtc returntext gt lt errors gt lt error name pmtc cancelamount type
203. vice pmt escrow N Choosing the payment method already in webstore When Maksuturva and Webstore has mutually agreed on it webstore can display the available payment methods for he buyer in their webstore In this scenario the Maksuturva s page for choosing the payment method is skipped altogether This requires the webstore to retrieve the available payment methods per order using Retrieve Available Payment Methods API Also the Payment API must contain the code of the payment method pmt paymentmethod buyer chose in the webstore When buyer chooses payment method on a page displayed by Maksuturva he she agrees on the terms and conditions of Satisfaction Guarantee payments On the other hand if buyer chooses payment method in the webstore that is using Satisfaction Guarantee webstore must display the aforementioned terms and conditions in the webstore and ensure the buyer agrees on them When Maksuturva s page for choosing the payment method is skipped the buyer s email address is a compulsory parameter in the Payment Request Absence of the email address causes an error and the buyer is returned to the web store Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 35 181 Maksuturva Services Integration Guideline 8 Delivery address of the order The delivery address pmt deliveryaddress etc of each order must represent the real address to whic
204. vide this response information this is either empty or it could contain for example external payment service provider s archive code or some other unique id of the payment Time when pmtq paymentstarttimestamp The time when payer transfered to dd MM yyyy hh mm ss the buyer the Payment Service began the 16 payment process 17 Payment pmtq paymentdate The date when payer paid Or if it s date not available the date when the money was found from Maksuturva s Customer Assets bank account statement 18 Hash pmtq hash Hash calculated from predefined response message fields and the webstore s secret key Uses the same version key generation etc values that were in the request The following fields are used to calculate the hash pmtq action pmtq version pmtg sellerid pmtq id pmtg amount pmtg returncode pmtg returntext pmtg sellercosts if available pmtg paymentmethod if available pmtg escrow if available pmtq certification if available pmtg paymentdate if available The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 60 181 Maksuturva Payment Services Integration Guideline 3 4 3 1 Response code values Response Short description being delivered
205. with opened packages or custom made products Read more Consumei rotection Act 16 8 The order is cancelled if the product is not reclaimed In case the order is not reclaimed at the agreed place of delivery e g post office and the order is returned to the online vendor the order is regarded as cancelled In this case the online vendor refunds the money within 14 days from receiving the products Costs caused by the extra shipping will be deducted from the refundable sum Returning is subject to a charge If the delivered product is faulty or is nat according to the made order returning ar changing the product is always free of charge In this case use the online customer s claim price reduction or return tools Ifthe returned product is fauitless the buyer is responsible for the delivery costs When using the online vendor s customer refund agreement for the return the online vendor deducts the costs of the return shipping from the sum to be refunded to the buyer Returning used products A product ordered from the online vendor may be inspected in such manner that it would be possible when making a purchase at a store or as necessary to detact the nature features and operation ofthe product However tne product and package shall remain in selling condition If the product has been used more than what is described above the online vendor has the right to charge a value decrease of the refundable sum in accordance
206. with the Consumer Protection Act With some products such as clothes the value may decrease essentially even during short use Read more Consumer Protection Act 18 5 Read more about the return instructions at the webstore site leb store Satisfaction guarantee The web store provides Satisfaction Guarantee which acts as insurance that you always receive the desired product in acceptable condition or else you will be refunded The service offered by the web store is available for 14 days after you have received the order Make reclamation Should your order not meet the standards implied you may file an electronic lt complaint Your payment will not be transferred to the web store s account before the matter has been acceptably settled j Return or cancel products 2 Satisfaction Guarantee allows you to return purchased products or cancel a placed order conveniently Once the web store has received the product you have returned the money wil be refunded to your bank account or credit card Cancel order The service allows you to cancel a placed order The money will be atomatically refunded to your bank account or credit card Propose ciscount The service allows you to conveniently ask for a discount on the price of an order through the e shop Give feedback Asa customer of the web store you may at any point give feedback concerning the lt product range customer service or celive
207. y 1 1 English version created 2013 Added some instructions and notes 2013 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 83 181 Maksuturva Services Integration Guideline 3 7 2 Report Request Webstore delivers the request parameters in a lt form gt using post method as hidden input fields input type hidden tO address https www maksuturva fi GetCompensationsByTimeInterval pmt Of http testl maksuturva fi GetCompensationsByTimeInterval pmt in test environment Field input name Format Minimum C O length BE gc version 0001 version 3 Seller ID gc_sellerid AN15 ke HE gc hashversion e g SHA 256 AN10 C algorithm Secret key gc keygeneration Default 001 B mala le The note ANxx means that the field contains a maximum of xx alphanumeric characters N means numeric C means that the field is compulsory and O means it is optional The interval between begin date and end date can be one month at maximum About testing Currently testing of this interface is possible only when Maksuturva manually updates some test payment status to settled Also testing must be done using webstore specific testing credentials That is sandbox testing is currently not available In any case you should contact us for more information about testing this interface since it always requires Maksuturva s participation Suome
208. ys XML Hash algorithm Name of the algorithm used to calculate the hash For more details see section Hash Calculation 14 Hash Hash calculated from predefined message fields and the webstore s secret key The following fields are used to calculate the hash pmtc action pmtc version Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 77 181 78 181 Maksuturva Payment Services Integration Guideline Maksuturva pmtc_sellerid pmtc_id pmtc_amount pmtc_currency pmtc_canceltype pmtc_cancelamount if pmtc_canceltype is either PARTIAL_REFUND or PARTIAL REFUND AND RETURN OF DELIVERIES pmtc payeribanrefund if given For more details see section Hash Calculation 15 Secret key Generation number of the secret key given to the seller by Suomen Maksuturva generation Default is 001 Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi Maksuturva Payment 79 181 Maksuturva Services Integration Guideline 3 6 3 Payment Cancel Response Field input name value Format m Response text pmtc returntext Details of all the errors errors Suomen Maksuturva Oy Ruoholahdenkatu 23 FIN 00180 Helsinki Finland info maksuturva fi it helpdesk maksuturva fi 80 181 Maksuturva Payment Services Integration Guideline Maksuturva 3 6 3 1 Response parameter descriptions

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