Mobile SDK

In this chapter we explore how to integrate the mobile SDK with a fully custom backend server. It is recommended that you also read through the chapters covering the example Merchant Backend API and gain an understanding of how the SDK works with that as backend.

Basic Backend Requirements

To support the SDK, your backend must be capable of at least creating a payment order. If you wish to use consumer identification, it must also be able to start an identification session. In addition to these, your backend should serve the appropriate html documents at urls used for the paymentUrl; the content of these html documents will be discussed below, but it is noteworthy that they are different for payments from Android applications and those from iOS applications. Further, the urls used for as paymentUrl on iOS should be configured as universal links for your iOS application.

Android Configuration

To bind the SDK to your custom backend, you must create a subclass of com.swedbankpay.mobilesdk.Configuration. This must be a Kotlin class. If you cannot use Kotlin, you can use the compatibility class com.swedbankpay.mobilesdk.ConfigurationCompat.

Your subclass must provide implementations of postPaymentorders and postConsumers. These methods are named after the corresponding Swedbank Pay APIs they are intended to be forwarded to. If you do not intend to use consumer identification, you can have your postConsumers implementation throw an exception.

The methods will be called with the arguments you give to the PaymentFragment. Therefore, the meaning of consumer, paymentOrder, and userData is up to you. If the consumer was identified before creating the paymentOrder, the consumer reference will be passed in the consumerProfileRef argument of postPaymentorders. The exact implementation of these methods is outside the scope of this document.

You must return a ViewPaymentOrderInfo and optionally also a ViewConsumerIdentificationInfo object respectively; please refer to their class documentation on how to populate them from your backend responses. Any exception you throw from these methods will in turn be reported from the PaymentViewModel. Whether a given exception is treated as a retryable condition is controlled by the shouldRetryAfter<Operation>Exception methods; by default they only consider IllegalStateException as fatal. Please refer to the Configuration documentation on all the features.

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class MyConfiguration : Configuration() {
    override suspend fun postPaymentorders(
        context: Context,
        paymentOrder: PaymentOrder?,
        userData: Any?,
        consumerProfileRef: String?
    ): ViewPaymentOrderInfo {
        val viewPaymentOrder = post("https://example.com/pay/android")
        return ViewPaymentOrderInfo(
            viewPaymentLink = "https://example.com/",
            viewPaymentOrder = viewPaymentOrder,
            completeUrl = "https://example.com/complete",
            cancelUrl = "https://example.com/cancel",
            paymentUrl = "https://example.com/payment/android",
            termsOfServiceUrl = "https://example.com/tos",
            isV3 = true
        )
    }

    override suspend fun postConsumers(
        context: Context,
        consumer: Consumer?,
        userData: Any?
    ): ViewConsumerIdentificationInfo {
        val viewConsumerIdentification = post("https://example.com/identify")
        return ViewConsumerIdentificationInfo(
            webViewBaseUrl = "https://example.com/",
            viewConsumerIdentification = viewConsumerIdentification
        )
        // Or throw Exception() if not using consumer identification
    }
}

iOS Configuration

On iOS you must conform to the SwedbankPaySDKConfiguration protocol. Just like on Android, you must provide implementations for the postPaymentorders and postConsumers methods. The consumer, paymentOrder, and userData arguments to those methods will be the values you initialize your SwedbankPaySDKController with, and their meaning is up to you. The postPaymentorders method will optionally receive a consumerProfileRef argument, if the consumer was identified before creating the payment order.

The methods are asynchronous, and the result is reported by calling the completion callback with the result. Successful results have payloads of SwedbankPaySDK.ViewPaymentOrderInfo and SwedbankPaySDK.ViewConsumerIdentificationInfo, respectively; please refer to the type documentation on how to populate those types. If you do not intend to use consumer identification, your postConsumers should callback should be called with a failing result of SwedbankPayConfigurationError.notImplemented. The other errors of any failure result you report will be propagated back to your app in the paymentFailed(error:) delegate method. You must call the completion callback exactly once, multiple calls are a programming error.

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struct MyConfiguration : SwedbankPaySDKConfiguration {
    func postPaymentorders(paymentOrder: SwedbankPaySDK.PaymentOrder?,
                           userData: Any?,
                           consumerProfileRef: String?,
                           options: SwedbankPaySDK.VersionOptions,
                           completion: @escaping (Result<SwedbankPaySDK.ViewPaymentOrderInfo, Error>) -> Void) {
        post(URL(string: "https://example.com/pay/ios")!) { result in
            do {
                let viewPaymentorder = try result.get()
                let info = SwedbankPaySDK.ViewPaymentOrderInfo(isV3: true,
                                                               webViewBaseURL: URL(string: "https://example.com/"),
                                                               viewPaymentLink: viewPaymentorder,
                                                               completeUrl: URL(string: "https://example.com/complete")!,
                                                               cancelUrl: URL(string: "https://example.com/cancel"),
                                                               paymentUrl: URL(string: "https://example.com/payment/ios"),
                                                               termsOfServiceUrl: URL(string: "https://example.com/tos"))
                completion(.success(info))
            } catch {
                completion(.failure(error))
            }
        }
    }

    func postConsumers(consumer: SwedbankPaySDK.Consumer?,
                       userData: Any?,
                       completion: @escaping (Result<SwedbankPaySDK.ViewConsumerIdentificationInfo, Error>) -> Void) {
        post(URL(string: "https://example.com/identify")!) { result in
            do {
                let viewConsumerIdentification = try result.get()
                let info = SwedbankPaySDK.ViewConsumerIdentificationInfo(webViewBaseURL: URL(string: "https://example.com/"),
                                                                         viewConsumerIdentification: viewConsumerIdentification)
                completion(.success(info))
            } catch let error {
                completion(.failure(error))
            }
        }
        // Or completion(.failure(SwedbankPayConfigurationError.notImplemented)) if not using consumer identification
    }
}

Backend

The code examples allude to a run-of-the-mill https API, but you can of course handle the communication in any way you see fit. The important part is that your backend must then communicate with the Swedbank Pay API using your secret token, and perform the requested operation.

POST Consumers

The “POST consumers” operation is simple, you must make a request to POST /psp/consumers with a payload of your choosing, and you must get the view-consumer-identification link back to the SDK.

Consumer SDK Request

SDK Request

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POST /identify HTTP/1.1
Host: example.com

Consumer SDK Response

SDK Response

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HTTP/1.1 200 OK
Content-Type: text/plain

https://ecom.externalintegration.payex.com/consumers/core/scripts/client/px.consumer.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119

Consumer Swedbank Pay Request

Swedbank Pay Request

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POST /psp/consumers HTTP/1.1
Host: api.externalintegration.payex.com
Authorization: Bearer <AccessToken>
Content-Type: application/json

{
    "operation": "initiate-consumer-session",
    "language": "sv-SE",
    "shippingAddressRestrictedToCountryCodes" : ["NO", "SE", "DK"]
}

Consumer Swedbank Pay Response

Swedbank Pay Response

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HTTP/1.1 200 OK
Content-Type: application/json

{
    "operations": [
        {
            "method": "GET",
            "rel": "view-consumer-identification",
            "href": "https://ecom.externalintegration.payex.com/consumers/core/scripts/client/px.consumer.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119",
            "contentType": "application/javascript"
        }
    ]
}

This is, of course, an over-simplified protocol for documentation purposes.

POST Payment Orders

The “POST paymentorders” is a bit more complicated, as it needs to tie in with paymentUrl handling. Also, the full set of payment order urls must be made available to the app. In this simple example we use static urls for all of those, but in a real application you will want to create at least some of them dynamically, and will therefore need to incorporate them to your protocol.

Payment Order SDK Request

SDK Request

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POST /pay/android HTTP/1.1
Host: example.com

Payment Order SDK Response

SDK Response

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HTTP/1.1 200 OK
Content-Type: text/plain

https://ecom.externalintegration.payex.com/paymentmenu/core/scripts/client/px.paymentmenu.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119&culture=sv-SE

Payment Order Swedbank Pay Request

Swedbank Pay Request

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POST /psp/paymentorders HTTP/1.1
Host: api.externalintegration.payex.com
Authorization: Bearer <AccessToken>
Content-Type: application/json

{
    "paymentorder": {
        "urls": {
            "hostUrls": ["https://example.com/"],
            "completeUrl": "https://example.com/complete",
            "cancelUrl": "https://example.com/cancel",
            "paymentUrl": "https://example.com/payment/android"
        }
    }
}

Payment Order Swedbank Pay Response

Swedbank Pay Response

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HTTP/1.1 201 Created
Content-Type: application/json

{
    "operations": [
        {
            "href": "https://ecom.externalintegration.payex.com/paymentmenu/core/scripts/client/px.paymentmenu.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119&culture=sv-SE&_tc_tid=30f2168171e142d38bcd4af2c3721959",
            "rel": "view-paymentorder",
            "method": "GET",
            "contentType": "application/javascript"
        }
    ]
}

Payment URL

As discussed in previous chapters, in some situations the paymentUrl of a payment will be opened in the browser. When this happens, we need a way of returning the flow to the mobile application. We need to take a slightly different approach depending on the client platform.

Android

The SDK has an Intent Filter for the com.swedbankpay.mobilesdk.VIEW_PAYMENTORDER action. When it receives this action, if the Intent uri is equal to the paymentUrl of an ongoing payment (as reported by ViewPaymentOrderInfo), it will reload the payment menu of that payment. Therefore, if the paymentUrl is opened in the browser, that page must start an activity with such an Intent. This can be done by navigating to an intent scheme url. Note that the rules for following intent-scheme navigations can sometimes cause redirects to those url not to work. To work around this, the paymentUrl must serve a proper html page, which attempts to immediately redirect to the intent-scheme url, but also has a link the user can tap on.

Refer to the intent scheme url documentation on how to form one. You should always include the package name so that your intent is not mistakenly routed to the wrong app.

Request

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GET /payment/android HTTP/1.1
Host: example.com

Response

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HTTP/1.1 200 OK
Content-Type: text/html

<html>
    <head>
        <title>Swedbank Pay Payment</title>
        <meta http-equiv="refresh" content="0;url=intent://example.com/payment/android#Intent;scheme=https;action=com.swedbankpay.mobilesdk.VIEW_PAYMENTORDER;package=com.example.app;end;">
    </head>
    <body>
        <a href="intent://example.com/payment/android#Intent;scheme=https;action=com.swedbankpay.mobilesdk.VIEW_PAYMENTORDER;package=com.example.app;end;">Back to app</a>
    </body>
</html>

iOS

Switching apps on iOS is always done by opening a URL. urls. It is preferred to use a Universal Link URL. Your app and backend must be configured such that the paymentUrl used on iOS payments is registered as a universal link to your app. Then, on iOS 13.4 or later, in most cases when the paymentUrl is navigated to, it will be immediately given to your app to handle. However, Universal Links are not entirely reliable, in particular if you wish to support iOS earlier than 13.4, and we must still not get stuck if the paymentUrl is opened in the browser instead.

Now, the most straightforward way of escaping this situation is to define a custom url scheme for your app, and do something similar to the Android solution, involving that scheme. If you plan to support only iOS 13.4 and up, where the situation is rather unlikely to occur, this can be sufficient. Doing this on earlier versions is likely to end up suboptimal, though, as doing this will cause an unsightly confirmation dialog to be shown before the app is actually launched. As the situation where paymentUrl is opened in the browser is actually quite likely to occur on iOS earlier than 13.4, this means you are more or less subjecting all users on those systems to sub-par user experience.

To provide a workaround to the confirmation popup, we devise a system that allows the user to retrigger the navigation to paymentUrl in such a way as to maximize the likelihood that the system will let the app handle it. As one of the criteria is that the navigation must be to a domain different to the current one, the paymentUrl itsef will always redirect to a page on a different domain. That page is then able to link back to the paymentUrl and have that navigation be routed to the app. You could host this “trampoline” page yourself, but Swedbank Pay has a generic one available for use. The trampoline page takes three arguments, target, which should be set to your paymentUrl, language, which supports all the Checkout languages, and app, you app name that will be shown on the page.

On iOS any URL the app is opened with is delivered to the UIApplicationDelegate by either the application(_:continue:restorationHandler:) method (for universal links) or application(_:open:options:). To let the SDK respond appropriately, you need to call SwedbankPaySDK.continue(userActivity:) or SwedbankPaySDK.open(url:) from those methods, respectively.

Request

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GET /payment/ios HTTP/1.1
Host: example.com

Response

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HTTP/1.1 301 Moved Permanently
Location: https://ecom.stage.payex.com/externalresourcehost/trampoline?target=https%3A%2F%2Fexample.com%2Fpayment%2Fios%3Ffallback%3Dtrue&language=en-US&app=Example%20App

The trampoline url will, in turn, serve an html page:

Request

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GET /externalresourcehost/trampoline?target=https%3A%2F%2Fexample.com%2Fpayment%2Fios%3Ffallback%3Dtrue&language=en-US&app=Example%20App HTTP/1.1
Host: ecom.stage.payex.com

Response

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HTTP/1.1 200 OK
Content-Type: text/html

<!DOCTYPE html>
<html>
<head>
    <meta charset="utf-8" />
    <meta name="viewport" content="width=device-width, initial-scale=1.0" />
    <title>Swedbank Pay Redirect</title>
    <link rel="icon" type="image/png" href="/externalresourcehost/content/images/favicon.png">
    <link rel="stylesheet" href="/externalresourcehost/content/css/style.css">
</head>
<body>
    <div class="trampoline-container" onclick="redirect()">
    <img alt="Swedbank Pay Logo" src="/externalresourcehost/content/images/swedbank-pay-logo-vertical.png" />
    <span class="trampoline-text">
            <a>Back to Example App</a>
    </span>
</div>

<script>
    function redirect() { window.location.href = decodeURLComponent("https%3A%2F%2Fexample.com%2Fpayment%2Fios%3Ffallback%3Dtrue"); };
</script>

</body>
</html>

The page links back to https://example.com/payment/ios?fallback=true. Notice the additional parameter. This is, indeed, part of the target parameter, and under the control of your backend. The purpose of this is to allow for one final escape hatch, in case the universal link mechanism fails to work. If this url is yet again opened in the browser, the backend responds with a redirect to to a custom-scheme url. (This should only happen if your universal links configuration is broken, or if iOS has somehow failed to load the Apple App-Site Association file.)

Request

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GET /payment/ios?fallback=true HTTP/1.1
Host: example.com

Response

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HTTP/1.1 301 Moved Permanently
Location: com.example.app://example.com/payment/ios?fallback=true

From the app perspective, in our example, the url the app is opened with will be one these three: https://example.com/payment/ios, https://example.com/payment/ios?fallback=true, or com.example.app://example.com/payment/ios?fallback=true. When any of these is passed to the SDK from your UIApplicationDelegate, the SDK will then call into your Configuration to check if it matches the paymentUrl (https://example.com/payment/ios in this example). This can be customized, but by default it will allow the scheme to change and for additional query parameters to be added to the url, so this example would work with the default configuration.

Apple App-Site Association

As the iOS paymentUrl needs to be a universal link, the backend will also need an Apple App-Site Association file. This must be served at /.well-known/apple-app-site-association, and it must associate any url used as a paymentUrl with the app.

Request

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GET /.well-known/apple-app-site-association HTTP/1.1
Host: example.com

Response

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HTTP/1.1 200 OK
Content-Type: application/json

{
    "applinks": {
        "apps": [],
        "details": [
            {
                "appID": "ABCDE12345.com.example.app",
                "paths": [ "/payment/ios" ],

                "appIDs": [ "ABCDE12345.com.example.app" ],
                "components": [
                    { "/": "/payment/ios" }
                ]
            }
        ]
    }
}

Note that the AASA file must be served over https, otherwise iOS will not load it. This example AASA file contains both old-style and new-style values for maximum compatibility. You may not need the old-style values in your implementation, depending on your situation.

Updating The Payment Order

The SDK includes a facility for updating a payment order after is has been created. The Merchant Backend Configuration uses this to allow setting the instrument of an instrument mode payment, but your custom Configuration can use it for whatever purpose you need.

Android

First, implement updatePaymentOrder in your Configuration subclass. This method returns the same data type as postPaymentorders, and when it does, the PaymentFragment reloads the payment menu according to the new data. The paymentOrder and userData arguments are what you set for the PaymentFragment, the viewPaymentOrderInfo argument is the current ViewPaymentOrderInfo (as returned from a previous call to this method, or, if this is the first update, the original postPaymentorders call). The updateInfo argument will be the value you call PaymentViewModel.updatePaymentOrder with, its meaning is therefore defined by you.

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class MyConfiguration : Configuration() {
    override suspend fun updatePaymentOrder(
        context: Context,
        paymentOrder: PaymentOrder?,
        userData: Any?,
        viewPaymentOrderInfo: ViewPaymentOrderInfo,
        updateInfo: Any?
    ): ViewPaymentOrderInfo {
        val viewPaymentOrder = post("https://example.com/payment/android/frobnicate")
        return ViewPaymentOrderInfo(
            viewPaymentLink = "https://example.com/",
            viewPaymentOrder = viewPaymentOrder,
            completeUrl = "https://example.com/complete",
            cancelUrl = "https://example.com/cancel",
            paymentUrl = "https://example.com/payment/android",
            termsOfServiceUrl = "https://example.com/tos",
            isV3 = true
        )
    }
}

To trigger an update, call updatePaymentOrder on the PaymentViewModel of the active payment. The argument of that call will be passed to your Configuration.updatePaymentOrder as the updateInfo argument.

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activity.paymentViewModel.updatePaymentOrder("frob")

iOS

Implement updatePaymentOrder in your configuration. Rather like the Android method, this method takes a callback of the same type as postPaymentorders, and when that callback is invoked with a Success result, the SwedbankPaySDKController reloads the payment menu according to the new data. Unlike postPaymentorders, this method must also return a request handle, which can be used to cancel the request if needed. If the request is cancelled, the completion callback should not be called.

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func updatePaymentOrder(paymentOrder: SwedbankPaySDK.PaymentOrder?,
                        options: SwedbankPaySDK.VersionOptions,
                        userData: Any?,
                        viewPaymentOrderInfo: SwedbankPaySDK.ViewPaymentOrderInfo,
                        updateInfo: Any,
                        completion: @escaping (Result<SwedbankPaySDK.ViewPaymentOrderInfo, Error>) -> Void) -> SwedbankPaySDKRequest? {
    var request = post(URL(string: "https://example.com/payment/ios/frobnicate")!) { result in
        do {
            let viewPaymentorder = try result.get()
            let info = SwedbankPaySDK.ViewPaymentOrderInfo(isV3: true,
                                                           webViewBaseURL: URL(string: "https://example.com/"),
                                                           viewPaymentLink: viewPaymentorder,
                                                           completeUrl: URL(string: "https://example.com/complete")!,
                                                           cancelUrl: URL(string: "https://example.com/cancel"),
                                                           paymentUrl: URL(string: "https://example.com/payment/ios"),
                                                           termsOfServiceUrl: URL(string: "https://example.com/tos"))
            completion(.success(info))
        } catch NetworkError.cancelled {
            // no callback

        } catch {
            completion(.failure(error))
        }
    }
    return request
}

To trigger an update, call updatePaymentOrder on the SwedbankPaySDKController. The argument will be passed to your configuration in the updateInfo argument.

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swedbankPayController.updatePaymentOrder(
    updateInfo: "frob"
)

Backend

The backend implementation makes any needed calls to Swedbank Pay, and returns whatever your implementation expects. It is recommended to always use the view-paymentorder link from the update response, in case the update has caused a change to that url.

Request

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POST /payment/android/frobnicate HTTP/1.1
Host: example.com

Response

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HTTP/1.1 200 OK
Content-Type: text/plain

https://ecom.externalintegration.payex.com/paymentmenu/core/scripts/client/px.paymentmenu.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119&culture=sv-SE

Errors

Any exception you throw from your Configuration will be made available in PaymentViewModel.exception or SwedbankPaySDKDelegate.paymentFailed(error:). You are therefore fully in control of the model you wish to use to report errors. We recommend adopting the Problem Details for HTTP APIs convention for reporting errors from your backend. At the moment of writing, the Android SDK also contains a utility for parsing RFC 7807 messages to help with this.

In many cases the payment menu will need to navigate to a different web page as part of the payment process. Unfortunately, testing has shown that not all such pages are happy about being opened in a WKWebView. To mitigate this, the SDK contains a list of pages we know to work, and any others will be opened in Safari (or whatever browser the user has set as default in recent iOS). If you wish, you can customize this behavior by overriding decidePolicyForPaymentMenuRedirect in your configuration. Note that you can also modify this behavior by the webRedirectBehavior property of SwedbankPaySDKController.

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struct MyConfiguration : SwedbankPaySDKConfiguration {
    func decidePolicyForPaymentMenuRedirect(navigationAction: WKNavigationAction,
                                            completion: @escaping (SwedbankPaySDK.PaymentMenuRedirectPolicy) -> Void) {
        // we like to live dangerously, allow everything
        completion(.openInWebView)
    }
}

iOS Payment URL Matching

The iOS paymentUrl universal-link/custom-scheme contraption makes it so that your app must be able to accept some variations in the urls. The default behavior is to allow for a different scheme and additional query parameters. If these are not good for your app, you can override the url(_:matchesPaymentUrl:) method in your configuration. If you wish to simply specify the allowed custom scheme, you can conform to SwedbankPaySDKConfigurationWithCallbackScheme instead.

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struct MyConfiguration : SwedbankPaySDKConfiguration {
    func url(_ url: URL, matchesPaymentUrl paymentUrl: URL) -> Bool {
        // We trust universal links enough
        // so we do not need the custom-scheme fallback
        return url == paymentUrl
    }
}

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struct MyConfiguration : SwedbankPaySDKConfigurationWithCallbackScheme {
    let callbackScheme = "com.example.app"
}

Custom Backend

Basic Backend Requirements

Android Configuration

iOS Configuration

Backend

POST Consumers

Consumer SDK Request

Consumer SDK Response

Consumer Swedbank Pay Request

Consumer Swedbank Pay Response

POST Payment Orders

Payment Order SDK Request

Payment Order SDK Response

Payment Order Swedbank Pay Request

Payment Order Swedbank Pay Response

Payment URL

Android

iOS

Apple App-Site Association

Updating The Payment Order

Android

iOS

Backend

Errors

iOS Payment Menu Redirect Handling

iOS Payment URL Matching