PayEngine - SOFORT

Overview - SOFORT

SOFORT instant bank transfer is a payment method based on the principle of a bank transfer. It is highly popular in Germany and also available in Austria (EUR), Denmark (DKK), Finland (EUR), France (EUR), Italy (EUR), Netherlands (EUR), Belgium (EUR), Norway (NOK), Poland (PLN), Spain (EUR), Sweden (SEK), Switzerland (CHF), United Kingdom (GBP).

In the case of SOFORT instant bank transfer, the authentication does not take place directly between the payer and the bank. Sofort Ltd. acts as the payer towards the bank after it has received the authentication data from it. Sofort instant bank transfer is open to customers regardless of which bank they have their current account in because the customers log into their online banking via the Sofort Ltd. system. Therefore there is no need for an agreement between the bank and Sofort Ltd.

Activation - SOFORT

To activate SOFORT as a payment method and to add it to your PayEngine Merchant Center, you need to complete the onboarding journey .

Please provide our support with the following information:

CustomerID
apiKey
projectID

If you do not yet have a SOFORT business account, you can create one here.

Please create an "SOFORT Gateway Project" in the SOFORT merchant portal.

It is only possible to use SOFORT or SOFORT Collecting in the Payengine. It is not possible to activate both payment methods at the same time.

If an additional Paylink and the payment method SOFORT Collecting is active via PPRO, the payment method SOFORT cannot be activated in the Paylink. SOFORT only works in the Paylink, if it is also activated in the Payengine.

Customer Experience - SOFORT

Customer Flow

Follow the below instructions to use SOFORT instant bank transfer as a direct transfer method:

Select your country and determine the bank that will complete the transfer.
Fill in the BIC, BLZ or the name of your bank.
Log in and confirm your purchase.
From the login area of the secure payment page, log in with your online banking data.
The information is encrypted and sent to your bank.
Enter your TAN for confirmation.
For security reasons, each TAN can only be used once. The retailer receives a real-time transaction confirmation after the transfer is complete. So they can send stock goods and digital goods immediately - you get your purchases faster.
You will receive a summary of your transfer or an order confirmation from the online shop. So you have all the information about your purchase together.

Customer Flow in the PayEngine Widget

Select Sofort.

Redirect to Sofort.

Enter bank details.

Enter Account Number and PIN.

Select Account and enter TAN.

The confirmation page is displayed.

Payengine Details - SOFORT

General

Name	Details
Product	SOFORT
Channels	ECOM
Currencies	EUR, CHF, DKK, GBP, PLN, NOK, SEK
Countries	DE, AT, IT, CH, NL, NO, FI, DK, ES, PL, FR, SE, UK, BE
Technical Flow	Asynchronous
Recurring	Yes (only via SEPA direct debit payments)
Chargebacks	Yes
Resuable Payment Instruments	Yes (only via SEPA direct debit payments)

Supported Features and Services

Name	Details
Debit	Yes
Preauthorization	No
Cancelation	No
Capture	No
Refunds	Yes (full and partial) Note: for more information, contact PayEngine support team.
Notifications	Yes (webhook and email)
PayLink Integration	No
Settlement Reporting	No

Integration Types

Name	Details
API	Yes
Widget	Yes
Bridge	No
Shop Plugin	Yes

Widget integration for SOFORT Payment Methods follows general rules of widget integration for all payment methods.

For more information, see How to integrate the Payment method via widget.

Integration via API - SOFORT

Technical Flow

Please contact the Payengine integration team to create SOFORT payment configuration and then you can create a SOFORT transaction.

Webhook notifications

As it is not ensured at the time of the redirect to the shop that the payment was 100% successful, the Payengine waits for the final asynchronous notification from the bank before a status is moved from PENDING into SUCCESS or FAILURE.

A merchant should register for the Payengine webhook notifications in order to receive this final status update. A GET on the order or DEBIT 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 the asynchronous notifications from the Payengine are used insted.

The notifications could be subscribed:

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

The following events are sent when the status of charge is updated:

Event	Description
´debit.success´	The charge succeeded and the payment is complete.

Specifications - SOFORT

SOFORT Payment specific request parameters

Parameter	Mandatory/Optional (M/O)	Description	Example
async.successUrl	M	Redirect URL for successful payment	https://my.shop.com/success
async.failureUrl	M	Redirect URL for unsuccessful payment	https://my.shop.com/search/fail
async.cancelUrl	M	Redirect URL when payment is canceled	http://my.shop.com/cancel
basket	O	Object with basket details	"basket": [ { "name": "USB-Stick", "articleNumber": "SW10029", "totalPrice": 1190, "totalPriceWithTax": 1190, "unitPrice": 1190, "unitPriceWithTax": 1190, "tax": 0, "quantity": 1 } ],
customer	O	customer ID	customer_ydh6xnyzon
persona	O	persona ID	persona_16dbwkgcyw
billingAddress	O	billing address ID	address_gqbly4mw9l
shippingAddress	O	shipping address ID	address_gqbly4mw9l
payment	O	Object with payment details (account holder, bankname, iban, bic)	"payment": { "accountHolder": "max max" },

Debit transaction

POST /orders/debit

SOFORT Debit Request

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

SOFORT Debit Response

{
    "createdAt": 1556087694198,
    "modifiedAt": 1556087694568,
    "merchantId": "merchant_bsigefhjze",

SEPA Refund transaction

Note

To refund a Sofort transaction, the SEPA Payment method must be enabled.

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

SOFORT Refund Request

{
    "description": "description for transaction.",
    "initialAmount": 500,
    "currency": "EUR",

SOFORT Refund Response

{
    "createdAt": 1556089638531,
    "modifiedAt": 1556089638531,
    "type": "REFUND",