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easyCredit
1.1 General information about easyCredit
2 1cs Online Payment System interface
2.2 easyCredit purchase on invoice and hire purchase
2.3 Retrieve information about payment by installments
1 About easyCredit
1.1 General information about easyCredit
Since 2003 TeamBank AG is a member of the Genossenschaftliche FinanzGruppe and with its product easyCredit the expert for hire purchase of the Volksbanken Raiffeisenbanken. Under the name easyCredit-Ratenkauf the TeamBank AG offers a hire purchase solution which combines a simple and consistently designed fire purchase function for E-Commerce and Point of Sale (PoS).
The customer needs only a few to get his ratenkauf by easyCredit: select article, calculate preferred rate, enter personal data and pay. All without paperworks, with immediate confirmation and full flexibility during the period. Simple and fair hire purchase with easyCredit-Ratenkauf.
Logo
| Info | Type |
| EasyCredit is a provider of hire purchase and purchase on invoice in Germany. After the customer is forwarded to easyCredit they undertake the calculation of all possible installments. | Payments by Invoice and Installments EN |
Further information can be found on the webpage of easyCredit (https://www.easycredit.de/).
1.2 Process flow chart
easyCredit process flow
2 1cs Online Payment System interface
2.1 Definitions
2.1.1 Data formats
| Format | Description |
| a | alphabetical |
| as | alphabetical with special characters |
| n | numeric |
| an | alphanumeric |
| ans | alphanumeric with special characters |
| ns | numeric with special characters |
| bool | boolean expression (true or false) |
| 3 | fixed length with 3 digits/characters |
| ..3 | variable length with maximum 3 digits/characters |
| enum | enumeration of allowed values |
| dttm | ISODateTime (YYYY-MM-DDThh:mm:ss) |
2.1.2 Abbreviations
| Abbreviation | Description | Comment |
| CND | condition | |
| M | mandatory | If a parameter is mandatory, then it must be present |
| O | optional | If a parameter is optional, then it can be present, but it is not required |
| C | conditional | If a parameter is conditional, then there is a conditional rule which specifies whether it is mandatory or optional |
Notice: Please note that the names of parameters can be returned in upper or lower case.
2.2 easyCredit purchase on invoice and hire purchase
In order to initialise an installment payment with easyCredit via a the 1cs Online Payment System form, go to the following URL:
https://www.computop-paygate.com/easyCredit.aspx
Notice: For security reasons, the 1cs Online Payment System rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
| Key | Format | CND | Description |
| MerchantID | ans..30 | M | MerchantID, assigned by First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant´s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the helpdesk, if you want to capture amounts < 100 (smallest currency unit). The minimum and maximal value for easyCredit is 200-5000€. |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: Currency table |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| Term | n..2 | O | Duration in months. If applicable here the duration can be preset with a value the customer has already selected for the example calculation. |
| EventToken | enum | M | Defines the request to be made at easyCredit: <INT> for initialising the transaction |
| URLSuccess | ans..256 | M | Complete URL which calls up the 1cs Online Payment System if payment has been successful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between the 1cs Online Payment System and shop, please use the parameter UserData. Common notes: We recommend to use parameter “response=encrypt” to get an encrypted response by 1cs Online Payment System However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess. Therefore ensure to check the “code”-value which indicates success/failure of the action. Only a result of “code=00000000” should be considered successful. |
| URLFailure | ans..256 | M | Complete URL which calls up the 1cs Online Payment System if payment has been unsuccessful. The URL may be called up only via port 443 This URL may not contain parameters: In order to exchange values between the 1cs Online Payment System and shop, please use the parameter UserData. Common notes: We recommend to use parameter “response=encrypt” to get an encrypted response by 1cs Online Payment System However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the “code”-value which indicates success/failure of the action. Only a result of “code=00000000” should be considered successful. |
| Response | a7 | O | Status response sent by the 1cs Online Payment System to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter. |
| URLNotify | ans..256 | M | Complete URL which the 1cs Online Payment System calls up in order to notify the shop about the payment result. The URL may be called up only via port 443 It may not contain parameters: Use the UserData parameter instead. Common notes: We recommend to use parameter “response=encrypt” to get an encrypted response by 1cs Online Payment System However, fraudster may just copy the encrypted DATA-element which are sent to URLFailure and send the DATA to URLSuccess/URLNotify. Therefore ensure to check the “code”-value which indicates success/failure of the action. Only a result of “code=00000000” should be considered successful. |
| UserData | ans..1024 | O | If specified at request, the 1cs Online Payment System forwards the parameter with the payment result to the shop |
| Personal details Notice: If personal details are submitted then this group must be transferred completely. | |||
| Salutation | a..15 | C | Salutation MR or MRS |
| FirstName | ans..50 | C | First name |
| LastName | ans..50 | C | Last name |
| DateOfBirth | dttm | C | Date of birth in the format YYYY-MM-DD |
| Occupation data Notice: If occupation data are submitted then this group must be transferred completely. | |||
| Employment | enum | C | Occupation of the customer. Possible entries are: <ANGESTELLTER> <ANGESTELLTER_OEFFENTLICHER_DIENST> <ARBEITER> <BEAMTER> <RENTNER> <SELBSTAENDIGER> <ARBEITSLOSER> <SONSTIGES> |
| MonthlyNetIncome | n..12 | C | Monthly net income of the customer in the smallest currency unit (e.g. EUR Cent). |
| Invoicing address Notice: If an invoicing address is given, then this must be transferred completely. | |||
| bdStreet | a..50 | C | Street |
| bdStreetNr | ans..5 | C | Street number |
| bdAddressAddition | a..50 | C | Address c/o |
| bdZip | n5 | C | Postcode |
| bdCity | ans..50 | C | Town |
| bdCountryCode | a2 | C | Country code for the invoicing address, 2 characters according to ISO 3166 Presently only DE is allowed. |
| Delivery address Notice: If an delivery address is given, then this must be transferred completely. | |||
| PackingStation | an..30 | O | Packing station |
| sdStreet | a..50 | C | Street |
| sdStreetNr | ans..5 | C | Street number |
| sdAddressAddition | a..50 | C | Address c/o |
| sdZip | n5 | C | Postcode |
| sdCity | ans..50 | C | Town |
| sdCountryCode | a2 | C | Country code for the delivery address, 2 characters according to ISO 3166 Presently only DE is allowed. |
| Contact data | |||
| ans..50 | M | Email address of the customer | |
| MobileNr | ans..50 | O | Customer’s mobile telephone number |
| Bank data | |||
| IBAN | ans..34 | O | Customer’s IBAN |
| BIC | an..11 | O | Customer’s BIC |
| Further customer data | |||
| Phone | ans..15 | O | Customer’s phone number |
| Title | enum | O | Title of the customer. Possible entries are: <PROFDR> for Prof. Dr. <DR> for Dr. <PROF> for Prof. <DRDR> for Dr. Dr. |
| MaidenName | ans..50 | O | Maiden name |
| PlaceOfBirth | ans..50 | O | Place of birth |
| Risk-relevant data | |||
| CustomerStatus | enum | O | Customer’s status at the webshop. Possible entries are: <NEUKUNDE> <BESTANDSKUNDE> <PREMIUMKUNDE> |
| CustomerSince | dttm | O | Start of customer relation at the webshop in the format YYYY-MM-DD |
| CustomerLoggedIn | enum | O | Flag if order is made from a registered customer with login or from a guest: <YES> Customer was logged in <NO> Customer has ordered as a guest |
| NumberArticles | n..5 | O | Number or articles within basket |
| NumberOrders | n..10 | O | Number of previous orders within the webshop |
| NegativePaymentInfo | enum | O | Negative payment information about the customer. Possible entries are: <KEINE_ZAHLUNGSSTOERUNGEN> <ZAHLUNGSVERZOEGERUNG> <ZAHLUNGSAUSFALL> <KEINE_INFORMATION> |
| RiskArticles | enum | O | Merchant’s assessment if there is a solvency crucial article within the basket. Possible entries are: <YES> There is a solvency crucial article within the basket <NO> There is no solvency crucial article within the basket |
| Article list: | |||
| ArticleList | ans..1024 | O | Basket information (incl. article numbers) for the articles ordered with hire purchase. These date can have some influence on the credit decision. The article list must be created in JSON format. Example:  Afterwards the article list created in JSON format must be Base64 encoded. |
Parameters for easyCredit ratenkauf
The following table describes the result parameters that the 1cs Online Payment System transmits to your URLSuccess or URLFailure and URLNotify. If you have specified the Response=encrypt parameter, the following parameters are sent Blowfish encrypted to your system:
- pls. be prepared to receive additional parameters at any time and do not check the order of parameters
- the parameters (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| MID | ans..30 | M | MerchantID, assigned by First Cash Solution |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by the 1cs Online Payment System |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant´s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Status | a..50 | M | AUTHORIZE_REQUEST (URLSuccess) and FAILED (URLFailure) |
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Code | n8 | M | Error code according to the 1cs Online Payment System Response Codes Excel file |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| UserData | ans..1024 | O | If specified upon call, the 1cs Online Payment System forwards the parameter with the payment result to the shop. |
| CodeExt | ans..1024 | O | Error code from easyCredit, if agreed with First Cash Solution Support |
| ErrorText | ans..1024 | O | Error text from easyCredit, if agreed with First Cash Solution Support |
Response parameters for URLSuccess and URLFailure with easyCredit ratenkauf
2.3 Retrieve information about payment by installments
In order to retrieve the data for descision, general transaction as well as financing data in case of e successfully established payment by installments via a server to server connection with easyCredit, please call the following URL:
https://www.computop-paygate.com/easyCreditDirect.aspx
Notice: For security reasons, the 1cs Online Payment System rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
| Parameter | Format | CND | Description |
| MerchantID | ans..30 | M | MerchantID, assigned by First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| TransID | ans..64 | M | TransactionID which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the 1cs support, if you want to capture amounts < 100 (smallest currency unit). The minimum and maximal value for easyCredit is 200-5000€. |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table EN |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| EventToken | enum | M | Defines the request to be made at easyCredit: <DEC> loads decision date for a previous initialization <PRO> loads general transaction data for a previous initialization <FIN> loads financing data for a previous initialization <GET> With this EventToken the three requests <DEC>, <PRO> and <FIN> can be triggered with one call (recommended). |
Parameters for retrieving installment information from easyCredit ratenkauf
The following table describes the result parameters with which the 1cs online payment system responds to your system
- be prepared to receive additional parameters at any time and do not check the order of parameters
- the parameters (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| MID | ans..30 | M | MerchantID, assigned by First Cash Solution |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by the 1cs Online Payment System |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant´s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Status | a..50 | M | OK (URLSuccess) or FAILED (URLFailure) |
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Code | n8 | M | Error code according to the 1cs Online Payment System Response Codes Excel file |
| Decision | ans..1024 | O | Contains decision data for a previous initialization. There are returned in JSON format and Base64 encoded. Example JSON format (already Base64 decoded):  Notice: Important within this answer is the “decision result” below “decision”. Only in case of positive „GREEN“ decided hire purchase all numbers, amounts and information connected with this hire purchase should be presented to the customer on the final confirmation page in the shop. These includes: – the duration selected by the customer (number of installments) – the repayment plan (including alternative repayment plan) – precontractual information (a link to the system hire purchase) – total amount with designated interest amounts for hire purchase All information are returned within parameters Process and Financing. |
| Process | ans..1024 | O | Contains general transaction data for a previous initialization. They are returned in JSON format and Base64 encoded. Example JSON format (already Base64 decoded):  |
| Financing | ans..1024 | O | Contains financing data for a previous initialization. They are returned in JSON format and Base64 encoded. Example JSON format (already Base64 decoded):  |
| CodeExt | ans..1024 | O | Error code from easyCredit, if agreed with First Cash Solution Support |
| ErrorText | ans..1024 | O | Error text from easyCredit, if agreed with First Cash Solution Support |
Response parameters for retrieving installment information from easyCredit ratenkauf
2.4 Confirm hire purchase
To finally set a hire purchase with easyCredit via a Server-to-Server connection to “CONFIRMED”, call the following URL:
https://www.computop-paygate.com/easyCreditDirect.aspx
Notice: For security reasons, the 1cs Online Payment System rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
| Key | Format | CND | Description |
| MerchantID | ans..30 | M | MerchantID, assigned by First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| TransID | ans..64 | M | TransactionID proided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the 1cs support, if you want to capture amounts < 100 (smallest currency unit). The minimum and maximal value for easyCredit is 200-5000€. |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table EN |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| EventToken | enum | M | Defines the request to be made at easyCredit: <CON> Changes a transaction at easyCredit from PERMITTED to status CONFIRMED. The permission may not be older than 30 minutes and the previously requested easyCredit decision must be GREEN. |
| Date | dttm | O | Date of delivery of the sold services/goods in the format YYYY-MM-DD. Hence the delivery is automatically initiated together with the confirmation. Notice: For automatic delivery execution the merchant must be configured accordingly at First Cash Solution. Please contact First Cash Solution Support in this case. |
Parameters for confirming a hire purchase with easyCredit ratenkauf
The following table describes the result parameters with which the 1cs online payment system responds to your system
- be prepared to receive additional parameters at any time and do not check the order of parameters
- the parameters (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| MID | ans..30 | M | MerchantID, assigned by First Cash Solution |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by the 1cs Online Payment System |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Status | a..50 | M | OK (URLSuccess) or FAILED (URLFailure) |
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Code | n8 | M | Error code according to the 1cs Online Payment System Response Codes Excel file |
| CodeExt | ans..1024 | O | Error code from easyCredit, if agreed with First Cash Solution Support |
| ErrorText | ans..1024 | O | Error text from easyCredit, if agreed with First Cash Solution Support |
Response parameters for confirming a hire purchase with easyCredit
2.5 Capture (notify a delivery)
To manually notify the delivery to easyCredit ratenkauf via a Server-to-Server connection, call the following URL:
https://www.computop-paygate.com/capture.aspx
Notice: For security reasons, the 1cs Online Payment System rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
| Key | Format | CND | Description |
| MerchantID | ans..30 | M | MerchantID, assigned by First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the 1cs support, if you want to capture amounts < 100 (smallest currency unit). The minimum and maximal value for easyCredit is 200-5000€. |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table EN |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| Date | dttm | O | Date of delivery of the sold services/goods in the format YYYY-MM-DD. The delivery is initiated separately from the confirmation. Notice: For manual delivery execution the merchant must be configured accordingly at First Cash Solution. This can be overridden also with the parameter Capture. Please contact First Cash Solution Support in this case. |
| Capture | an..6 | O | Determines the type and time of capture. AUTO: capturing immediately after authorisation (default value). MANUAL: capturing made by the merchant. Capture is normally initiated at time of delivery. <Number>: Delay in hours until the capture (whole number; 1 to 696). |
| ReqID | ans..32 | O | To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, the 1cs Online Payment System will not carry out the payment or new action, but will just return the status of the original transaction or action. Please note that the 1cs Online Payment System must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on the 1cs Online Payment System does not take effect. Submissions with identical ReqID for an open status will be processed regularly. Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the 1cs Online Payment System. |
Parameters for capturing a hire purchase with easyCredit ratenkauf
The following table describes the result parameters with which the 1cs online payment system responds to your system
- be prepared to receive additional parameters at any time and do not check the order of parameters
- the parameters (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| MID | ans..30 | M | MerchantID, assigned by First Cash Solution |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by the 1cs Online Payment System |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Status | a..50 | M | OK (URLSuccess) or FAILED (URLFailure) |
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Code | n8 | M | Error code according to the 1cs Online Payment System Response Codes Excel file |
| CodeExt | ans..1024 | O | Error code from easyCredit, if agreed with First Cash Solution Support |
| ErrorText | ans..1024 | O | Error text from easyCredit, if agreed with First Cash Solution Support |
Response parameters for capturing a hire purchase with easyCredit ratenkauf
2.6 Credit (notify a reversed transaction)
To notify a reversed transaction to easyCredit via a Server-to-Server connection, call the following URL:
https://www.computop-paygate.com/credit.aspx
Notice: For security reasons, the 1cs Online Payment System rejects all payment requests with formatting errors. Therefore, please use the correct data type for each parameter.
The following table describes the encrypted payment request parameters:
| Key | Format | CND | Description |
| MerchantID | ans..30 | M | MerchantID, assigned by First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent) Please contact the 1cs support, if you want to capture amounts < 100 (smallest currency unit). The minimum and maximal value for easyCredit is 200-5000€. |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Please find an overview here: A1 Currency table EN |
| MAC | an64 | M | Hash Message Authentication Code (HMAC) with SHA-256 algorithm. Details can be found here: HMAC Authentication (Request) HMAC Authentication (Notify) |
| Date | dttm | M | Date the merchant received the reversed transaction in the format YYYY-MM-DD |
| Reason | enum | M | Reason for the reversed transaction. Possible entries are: <WIDERRUF_VOLLSTAENDIG> <WIDERRUF_TEILWEISE> <RUECKGABE_GARANTIE_GEWAEHRLEISTUNG> <MINDERUNG_GARANTIE_GEWAEHRLEISTUNG> |
| ReqID | ans..32 | O | To avoid double payments or actions (e.g. by ETM), enter an alphanumeric value which identifies your transaction and may be assigned only once. If the transaction or action is submitted again with the same ReqID, the 1cs Online Payment System will not carry out the payment or new action, but will just return the status of the original transaction or action. Please note that the 1cs Online Payment System must have a finalized transaction status for the first initial action (authentication/authorisation). This does not apply to 3-D Secure authentications that are terminated by a timeout. The 3-D Secure Timeout status does not count as a completed status in which the ReqID functionality on the 1cs Online Payment Systemdoes not take effect. Submissions with identical ReqID for an open status will be processed regularly. Notice: Please note that a ReqID is only valid for 12 month, then it gets deleted at the 1cs Online Payment System. |
Parameters for reverse of a hire purchase with easyCredit ratenkauf
The following table describes the result parameters with which the 1cs online payment system responds to your system
- be prepared to receive additional parameters at any time and do not check the order of parameters
- the parameters (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| MID | ans..30 | M | MerchantID, assigned by First Cash Solution |
| PayID | an32 | M | ID assigned by the 1cs Online Payment System for the payment, e.g. for referencing in batch files as well as for capture or credit request. |
| XID | an32 | M | ID for all single transactions (authorisation, capture, credit note) for one payment assigned by the 1cs Online Payment System |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ns..30 | O | Merchant’s unique reference number Only ASCII characters are allowed. Special characters such as (“umlauts”, …) are not permitted and may have to be replaced by ASCII characters (e.g. ü → ue, é → e, …). |
| Status | a..50 | M | OK (URLSuccess) or FAILED (URLFailure) |
| Description | ans..1024 | M | Further details in the event that payment is rejected. Please do not use the Description but the Code parameter for the transaction status analysis! |
| Code | n8 | M | Error code according to the 1cs Online Payment System Response Codes Excel file |
| CodeExt | ans..1024 | O | Error code from easyCredit, if agreed with First Cash Solution Support |
| ErrorText | ans..1024 | O | Error text from easyCredit, if agreed with First Cash Solution Support |
Response parameters for reverse of a hire purchase with easyCredit ratenkauf
