PayEngine - Paydirekt

Overview - Paydirekt

Paydirekt is an online payment method jointly developed by German banks. It offers easy and secure user experience, enabling users to pay directly from their bank accounts without further third-party intermediation.

Main advantages of this payment method:

For customers: Paydirekt offers easy, fast and reliable payment process executed via already familiar online banking environment of the customer's current bank. This payment method ensures high level of data security in two directions:

storing of sensitive account data only within highly secure bank infrastructure
no cross-border processing of data

For merchants: Paydirekt has a broad base of verified potential customers, each of them with an authorized German bank account. Proved identity and quality of Paydirekt users facilitates significantly decreasing of indirect costs related to payment process such as, verifying customer data and executing external credit or risk checks.

Customer Experience - Paydirekt

Select Paydirekt.

Redirect to Paydirekt page.

Confirm the payment*.

*Screenshots are from Paydirekt Sandbox, Payengine Simulator will display different content.

Payengine Details - Paydirekt

General

Name	Details
Product	Paydirekt
Channels	ECOM
Currencies	EUR
Countries	DE
Technical Flow	Asynchronous
Recurring	No (not implemented)
Chargebacks	Yes

Supported Features and Services

Name	Details
Debit	Yes
Preauthorization	Yes
Cancelation	Yes (full and partial)
Capture	Yes (full and partial)
Refunds	Yes (full and partial)
Notifications	Yes (webhook and email)
PayLink Integration	No
Settlement Reporting	Yes

Integration Types

Name	Details
API	Yes
Widget	Yes
Bridge	No
Shop Plugin	Yes

Technical Flow

Webhook and email notifications

At the time of the redirect, it is still uncertain whether a transaction will be completed successfully or not. Therefore, Payengine awaits for the final asynchronous notification before the status of a DEBIT/PREAUTH transaction is changed from PENDING to SUCCESS or FAILURE.

A merchant should register for Payengine's notifications to receive this final status update.

Alternatively, a GET request on the order or DEBIT/PREAUTH transaction would also work, but it is not ensured that the final status will be available immediately after the redirect and a merchant might have to query the GET multiple times.

Therefore, it is strongly recommended that Payengine's asynchronous notifications are used instead.

Merchants could receive notifications via URL (webhook) or email.

The notifications could be subscribed:

via the payengine API (link to API documentation)
via the Payengine Merchant Center (link to Merchant Center notifications documentation)

Specifications - Paydirekt

Prerequisites for Paydirekt Authorizing Transactions

Prerequisite	Mandatory/Optional (M/O)	Create Prerequisite
Customer	M	POST ´/customers´
Persona	O	POST ´/customers/{{customerId}}/personas´
Billing Address	O	POST ´/customers/{{customerId}}/addresses´
Shipping Address	M	POST ´/customers/{{customerId}}/addresses´

Create customer specific request parameters

Parameter	Mandatory/Optional (M/O)	Description	Example
Email	M	the e-mail adress of the customer	user@example.com

Create address specific request parameters

Parameter	Mandatory/Optional (M/O)	Description	Example
firstName	M	First Name	Max
lastName	M	Last Name	Muster
street	O	Street Name	Musterweg
houseNumber	O	House Number	1
city	M	City	Musterhausen
zip	M	City zip code	12345
country	M	Country Code	DD
state	O	State Name	Bayern
phone	O	Phone number	00493012345
fax	O	Fax number	00493012345
mobile	O	Mobile Number	00493012345
title	O	Title	Prof. Dr.
additionalDetails	O	Additional Details	Premium buyer

Input Parameters

The following input parameters are required for initiating a Paydirekt payment via direct API integration.

Parameter	Mandatory/Optional (M/O)	Description	Example
async.successUrl	M	Redirect URL for successful payment	http://my.shop.com/success
async.failureUrl	M	Redirect URL for unsuccessful payment	http://my.shop.com/fail
async.cancelUrl	M	Redirect URL when payment is canceled	http://my.shop.com/cancel

Samples

Debit

Debit is an authorizing transaction that directly books the full amount of the order.

POST/orders/debit

Credit Debit Request

{
		"product" : "paydirekt",
		"terms": 1468590412476,
		"privacy": 1468590412476,

Create Debit Response

{
		"createdAt": 1551896141172,
		"modifiedAt": 1551896141181,
		"merchantId": "merchant_7r3ge79sdv",

Preauth

Preauth is an authorizing transaction that doesn't directly book the initial amount of the order. It has to be followed by Capture in order funds to be received.

POST/orders/preauth

Create Preauth Request

{
		"product" : "paydirekt",
		"terms": 1468590412476,
		"privacy": 1468590412476,

Create Preauth Response

{
		"createdAt": 1571140297192,
		"modifiedAt": 1571140297218,
		"merchantId": "Merchant-11111111-1111-1111-1111-111111111111",

Capture

POST/orders/{{orderId}}/transactions/{{transactionId}}/capture

Create Capture Request

{
		"description": "description for operation.",
		"initialAmount": ,
		"currency": "EUR",

Create Capture Response

{
		"createdAt": 1571140611021,
		"modifiedAt": 1571140612866,
		"type": "CAPTURE",

Cancel

POST/orders/{{orderId}}/transactions/{{transactionId}}/cancel

Create Cancel Request

{
		"description": "test transaction",
		"initialAmount": ,
		"currency": "EUR"

Create Cancel Response

{
		"createdAt": 1572620526984,
		"modifiedAt": 1572620526989,
		"type": "CANCEL",

Refund

POST/orders/{{orderId}}/transactions/{{transactionId}}/refund

Create Refund Request

{
		"description": "description for transaction.",
		"initialAmount": ,
		"currency": "EUR",

Create Refund Response

{
		"createdAt": 1571141218101,
		"modifiedAt": 1571141218836,
		"type": "REFUND",

Testing

Currently testing of Paydirekt payment transactions on TM environment is possible only via simulator.