PostFinance

Overview - PostFinance

Тhe PostFinance Card is a local debit card in Switzerland issued by PostFinance. It is a popular payment method in eCommerce and more than three million PostFinance Card holders can reached.

Preconditions Merchants need a CHF business account and an acquiring contract with PostFinance to offer PostFinance Card.

Activation - PostFinance

To activate PostFinance 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:

PostFinance MerchantID
Accepted Currency

If you do not yet have a PostFinance acquiring contract and CHF business account, please contact PostFinance directly.

Customer Experience - PostFinance

The following list describes a simplified payment flow using PostFinance Card.

Step	Description	Image
1	The customer selects the PostFinance Card payment method.
2	The customer will be redirected to PostFinance.
3	The customer can select the option to pay via their mobile app (option on the left) or proceed with PostFinance Card (option on the right).
4	When the PostFinance Card option is selected (see step 3) the cardholder has to enter the card credentials and authenticate via TAN generator or app.

5	Once the payment is be completed and the customer is redirected back to the shop.

Note: All payments are processed by PostFinance at the end of the day and the purchase amount is debited from the cardholder account the following day. Funds are usually transferred to the seller's account the following day.

PayEngine Details - PostFinance

General

Name	Details
Product	postfinance-card
Channels	ECOM
Currencies	CHF, EUR
Countries	CH
Technical Flow	Asynchronous
Recurring	No
Chargebacks	No
Reusable Payment Instruments	No

Supported Features and Services

Name	Details
Debit	No
Preauthorization	Yes
Cancellation	Yes (only full)
Capture	Yes (only full) See further notes under Specifics
Refunds	Yes
Notifications	Yes (webhook and email)
Settlement Reporting	No

Integration Types

Name	Details
API	Yes
Widget	Yes
Bridge	No
Shop Plugin	No
Paylink	No

Integration via API - PostFinance

Technical Flow

Specifications - PostFinance

PostFinance processing delay

The transactions for PostFinance (capture, cancel, refund) are handled offline via batch file processing and and it can take up to 48 hours before Postfinance sends a notification about the successful transaction.

PostFinance input parameters

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

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	https://my.shop.com/search/cancel
payment.displayLanguage	M	One of the possible values: de, en, fr, it (there is validation on PE for permitted value)	displayLanguage : en
payment.displayMobileScreen	O	Optional set up for mobile view. Boolean type.	displayMobileScreen : true

Samples

Preauth Transaction

PostFinance Preauth Request

{
    "product" : "postfinance-card",
    "merchantOrderId": "ORDER12345",
    "initialAmount": 1000,

PostFinance Preauth Response

{
    "createdAt": 1576849099719,
    "modifiedAt": 1576849099719,
    "merchantId": "merchant_6nqj1bh7ap",

Capture transaction

PostFinance Capture Request

{
    "description": "Description for operation.",
    "initialAmount": 1000,
    "currency": "CHF",

PostFinance Capture Response

{
    "createdAt": 1582298926718,
    "modifiedAt": 1582298926718,
    "type": "CAPTURE",