Oney for API only

Accept Oney payments using our APIs, and build your own payment form to have full control over the look and feel of your checkout page.

When making a Oney payment:

1. Collect shopper details and specify these in your payment request.
2. Provide information about the purchased items by specifying lineItems in your payment request.
3. Make sure that the payment is authorised and successfully captured before you ship the goods.

Requirements

Build your payment form for Oney

When making a Oney payment, collect the following shopper details:

Shopper detail	Required	Description
Full name		The shopper's first name and last name.
Gender		The shopper's gender, if specified.
Email		The shopper's email address. This is where Oney will send the invoice.
Date of birth		The shopper's date of birth, if specified.
Telephone number		The shopper's telephone number.
Billing address		The address of the shopper associated with their payment details, to be included on the invoice.
Delivery address		The postal address of the shopper where the items will be delivered.

If you are using the /paymentMethods endpoint to show the available payment methods to the shopper, specify the following in your request:

• countryCode: FR or ES
• amount.currency: EUR
• amount.value: The value of the payment.

Based on the countryCode, the /paymentMethods response contains:

Make a payment

From your server, make a /payments request, specifying:

• paymentMethod.type: The type of Oney payment the shopper wants to use. Possible values:

  • facilypay_3x (FR or ES)
  • facilypay_4x (FR or ES)
  • facilypay_6x (ES only)
  • facilypay_10x (FR or ES)
  • facilypay_12x (FR or ES)

• shopperName: The shopper's first and last name (required). Maximum length: 32 characters. You can optionally include gender, if specified.

• shopperEmail: The shopper's email address. This is where Oney will send the payment instructions.

• dateOfBirth

  Optional
  : The shopper's date of birth, if specified. The format must be YYYY-MM-DD.

• telephoneNumber: The shopper's mobile telephone number, using an international number format.

  • France : +336 or +337 followed by eight digits
  • Spain : +346 or +347 followed by eight digits

• billingAddress: The address of the shopper associated with their payment details.

  •  billingAddress.postalCode must have five characters.

• deliveryAddress: The postal address of the shopper where the items will be delivered.

  • deliveryAddress.postalCode must have five characters.

• countryCode: The shopper's country code.

• shopperLocale: A combination of language code and country code to specify the language used in your checkout. Refer to list of supported languages.

• lineItems: Price and product information about the purchased items.

  Oney will only approve the payment if the total amount specified in lineItems matches the amount.value.

• shopperReference: A unique reference to identify the shopper. Minimum length: three characters.

• returnUrl: The URL where the shopper will be redirected back to after completing the payment. The URL can contain a maximum of 1024 characters and must include the protocol: http:// or https://. For example, https://your-company.com/checkout/. You can also include your own additional query parameters, for example, shopper ID or order reference number.

• additionalData.oneydata.trustFlag

  Optional
  : An optional field to flag trusted shoppers to Oney for their risk assessment. To use this feature Oney must enable the Oney trust setting on your account. Possible values: 1 or -1.

• additionalData.oneydata.merchantPays

  Optional
  : An optional field to override the default configuration. When we set up Oney for your merchant account, we also configure who pays the interest fees.
  • true: You pay the interest fees for the shopper.
  • false: The shopper pays the interest fees.

  For example:

  "additionalData": {
      "oneydata.merchantPays": true,
      "oneydata.trustFlag": "1"
  }

Here's an example of a payment of EUR 150 split into three installments.

In the /payments response, note the action object. This contains the information needed to redirect the shopper.

Handle the redirect

1. To complete the payment, redirect the shopper to the action.url returned in the /payments response, taking into account the following recommendations:

   • When using the HTTP GET method:
     For security reasons, when showing the redirect in the app, we recommend that you use SFSafariViewController for iOS or Chrome Custom Tabs for Android, instead of WebView objects. Also refer to the security best practices for WebView.

   • Redirection for mobile integrations:
     For mobile integrations, we strongly recommended that you redirect the shopper to the default browser of their device. Redirecting to the default browser ensures the best compatibility, handling of multi-factor authentication, app-to-app redirection, and error handling.

2. After the shopper is redirected back to your website, check the payment result by making a POST /payments/details request, specifying:

   • details: object that contains the URL-decoded redirectResult returned when the shopper was redirected back to your site.

3. In the response note the following:

   • resultCode: use this to present the result to your shopper.
   • pspReference: our unique identifier for the transaction.

After you have checked the payment result, use the resultCode in the /payments/details response to present the payment result to your shopper.

Present the payment result

Use the resultCode from the /payments/details response to present the payment result to your shopper. The resultCode values you can receive for Oney are:

¹ Pending or received is only applicable for Oney payments with countryCode FR. Payments with countryCode ES are accepted or rejected immediately.

Capture the payment

Depending on your capture settings, Oney payments are captured manually or automatically, with or without a delay.

If a payment is captured after more than six days, the payment authorization expires and the payment must be authorised again.

Refund the payment

If a Oney payment has not yet been captured, you can cancel it.

If the payment has already been captured and you want to return the funds to the shopper, you need to refund it.

Partial refunds

To partially refund a Oney payment, specify in your call to the /payments/{paymentPspReference}/refunds endpoint:

• modificationAmount: The amount to be refunded to the shopper.

{
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "modificationAmount":{
      "currency":"EUR",
      "value":400
   },
   "originalReference":"8825408195409505"
}

You will receive a /payments/{paymentPspReference}/refunds response containing a pspReference associated with this request. Once we have processed your request, you will also receive a REFUND webhook. For more information, refer to Refund.

Test and go live

Before accepting live Oney payments, test your integration using the following test details:

France

You can test different responses by changing the amount to be paid:

• Authorised: between EUR 150.00 and EUR 999.99
• Pending: between EUR 1000.00 and EUR 1499.99
• Refused: between EUR 1500.00 and EUR 2000.00

To test different responses when making payments in 10 or 12 installments, you need to include the following:

• Authorised:

  • Shopper email: 10X12X.OK.BDE@oney.fr.
  • Under Complétez vos informations, include:
    • Vos revenus: 3500€
    • Origine du revenu principal: Salarie
    • Vos charges: 500€
  • Under Signez votre contrat, include:
    • Phone number: use 0666000000 to bypass a digital signature, or a real phone number to receive the OTP SMS for digital signing.

• Refused:

  • Shopper email: 10X12X.KO.BDE@oney.fr.
  • In the Completez vos informations step, include:
    • Vos revenus: 1000€
    • Origine du revenu principal: Autres
    • Vos charges: 800€

Spain

You can test the different responses by using the following information:

• Authorised:
  • Shopper email: test_ok@oney.com
  • Correct CVV
• Refused:
  • Shopper email: test_ko@oney.com
  • Incorrect CVV

Go live

Before you can accept live Oney payments, you need to submit a request for Oney 3x4x in your live Customer Area.

See also