AfterPay-Riverty

Before you start

To process AfterPay, Checkout partners with AfterPay. Therefore, an additional agreement is required before you can enable it in your Checkout portal. Please contact our Customer Service Team to get that process started.

Overview

Checkout has an integration to Express Bank which enables your consumers to pay by splitting the payments into installments.

Functionalities

Payment type	Installment, invoice, campaign
Subscriptions	❌
Refunds	✅
Partial refund	✅
Update order	✅
Cancel payment	✅
Reservation & charge	✅
IPSP	✅

Type	Currencies	Countries
Installment	NOK, SEK, EUR	NO, SE, DE, AT
Invoice	NOK, DKK, SEK, EUR	NO, DK, SE, DE, AT
Campaign	NOK, DKK, SEK	NO, DK, SE

You can learn more about the payment operations from here.

The supported business model for SEPA Direct Debit is only B2C. The B2B business model is not offered.

Activation

To activate AfterPay as a payment method and to add it to your Checkout portal, you need to complete the onboarding journey.

If you already have an existing Checkout portal account, you need to contact Support for this.

User Journey

This following section will describe the user journey and payment flow for a consumer:

Depending from what country the consumer is based in, the personal identification number can correspond to different IDs eg. social security number, NemID, bankID etc. This is used for a background credit check.

When your consumer chooses AfterPay as a payment method in the checkout, they will be prompted to choose between two choices:
- Pay later
- Split payment
Next, they will need to enter their personal identification number.
Accept the Terms and Conditions.
Click on Pay.
From here, they will be redirected to the strong authentication page in a pop-up window.
As mentioned earlier in the info box, the following authentication is depended on what country the consumer is from.
After the confirmation and validation of identity, the consumer is redirected back to the checkout and the payment will be approved.
Lastly, the charge amount will be reserved.

Payment Flow

After your consumers have confirmed their payment during the checkout process, the money will be sent to your Checkout Portal.

For AfterPay with invoices, it is important to note that the order request has to be specified correctly with all the proper parameters. This includes the parameters such as:

unitPrice
taxRate
taxAmount
grossTotalAmount
netTotalAmount
quantity

Some of the parameters are as optional but for AfterPay, these parameters are required as invalid order items will make the payment fail otherwise. You can check all of the parameters from the Payment API for create payment here and charge payment here.

The following example shows a correctly filled order item:

Order item example for AfterPay

{
	"grossTotalAmount": 11900,
	"name": "Item",
	"netTotalAmount": 9520,
	"quantity": 1,
	"reference": "490",
	"taxRate": 2500,
	"taxTotalAmount": 2380,
	"unit": "pcs",
	"unitNetPrice": 9520
}

Integration

In order for consumers to be able to use AfterPay payments in the checkout, we need to receive the consumer's information and address.

This can be allowed by you if you either:

Enable the address fields in the checkout, e.g. setting the checkout.merchantHandlesConsumerData to false or left out from the create payment request which will let the consumer enter their information in the checkout
Or by including the consumer's data in the create payment request directly.

If you include the information in the create payment request, you will need to make sure that the following information is included in the checkout object:

Including the consumer's data in the create payment request for the checkout object

{
    ...
    "checkout": {
        ...

Testing

Checkout provides the possibility to test for AfterPay. You can test AfterPay payments in the Nexi Group testing environment.