Swedbank Pay Checkout – Payment Menu

Step 3: Create Payment Order

Once consumer has been identified, the next step is to initiate the payment using consumerProfileRef retrieved in the previous step.

We start by performing a POST request towards the paymentorder resource with the payer information (such as consumerProfileRef) we obtained in the checkin process described above. This information will appear prefilled in the Payment Menu.

If you are sending a guest user POST request, simply leave out the consumerProfileRef from the input, and your end user will be sent to an empty Payment Menu. Information like email, address and msisdn can still be added manually in the payer node. If added, it will appear prefilled in the Payment Menu.

Remember to read up on our URL resource.

Payment Url

For our Seamless Views, the field called paymentUrl will be used when the consumer is redirected out of the Seamless View (the iframe). The consumer is redirected out of frame when selecting the payment instrument Vipps or in the 3-D Secure verification for Credit Card Payments.

The URL should represent the page of where the Payment Order Seamless View was hosted originally, such as the checkout page, shopping cart page, or similar. Basically, paymentUrl should be set to the same URL as that of the page where the JavaScript for the Seamless View was added to in order to initiate the payment process.

With paymentUrl in place, the retry process becomes much more convenient for both the integration and the payer.

Request

Request

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

{
    "paymentorder": {
        "operation": "Purchase",
        "currency": "SEK",
        "amount": 1500,
        "vatAmount": 375,
        "description": "Test Purchase",
        "userAgent": "Mozilla/5.0...",
        "language": "sv-SE",
        "generateRecurrenceToken": false,
        "urls": {
            "hostUrls": [ "https://example.com", "https://example.net" ],
            "completeUrl": "https://example.com/payment-completed",
            "cancelUrl": "https://example.com/payment-canceled",
            "paymentUrl": "https://example.com/perform-payment",
            "callbackUrl": "https://api.example.com/payment-callback",
            "termsOfServiceUrl": "https://example.com/termsandconditoons.pdf",
            "logoUrl": "https://example.com/logo.png"
        },
        "payeeInfo": {
            "payeeId": "5cabf558-5283-482f-b252-4d58e06f6f3b",
            "payeeReference": "AB832",
            "payeeName": "Merchant1",
            "productCategory": "A123",
            "orderReference": "or-123456",
            "subsite": "MySubsite"
        },
        "payer": {  
            "consumerProfileRef": "5a17c24e-d459-4567-bbad-aa0f17a76119",
            "email": "olivia.nyhuus@payex.com",
            "msisdn": "+4798765432",
            "workPhoneNumber" : "+4787654321",
            "homePhoneNumber" : "+4776543210"
        },
        "orderItems": [
            {
                "reference": "P1",
                "name": "Product1",
                "type": "PRODUCT",
                "class": "ProductGroup1",
                "itemUrl": "https://example.com/products/123",
                "imageUrl": "https://example.com/product123.jpg",
                "description": "Product 1 description",
                "discountDescription": "Volume discount",
                "quantity": 4,
                "quantityUnit": "pcs",
                "unitPrice": 300,
                "discountPrice": 200,
                "vatPercent": 2500,
                "amount": 1000,
                "vatAmount": 250
            },
            {
                "reference": "I1",
                "name": "InvoiceFee",
                "type": "PAYMENT_FEE",
                "class": "Fees",
                "description": "Fee for paying with Invoice",
                "quantity": 1,
                "quantityUnit": "pcs",
                "unitPrice": 1900,
                "vatPercent": 0,
                "amount": 1900,
                "vatAmount": 0,
            }
        ],
        "riskIndicator": {
            "deliveryEmailAddress": "olivia.nyhuus@payex.com",
            "deliveryTimeFrameIndicator": "01",
            "preOrderDate": "19801231",
            "preOrderPurchaseIndicator": "01",
            "shipIndicator": "01",
            "giftCardPurchase": false,
            "reOrderPurchaseIndicator": "01",
            "pickUpAddress": {
                "name": "Olivia Nyhus",
                "streetAddress": "Saltnestoppen 43",
                "coAddress": "",
                "city": "Saltnes",
                "zipCode": "1642",
                "countryCode": "NO"
            }
        }
    }
}

Response

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


    "paymentOrder": {
        "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce",
        "created": "2020-06-22T10:56:56.2927632Z",
        "updated": "2020-06-22T10:56:56.4035291Z",
        "operation": "Purchase",
        "state": "Ready",
        "currency": "SEK",
        "amount": 10000,
        "vatAmount": 0,
        "orderItems": {
            "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce/orderitems"
        },
        "description": "test description",
        "initiatingSystemUserAgent": "Mozilla/5.0",
        "userAgent": "Mozilla/5.0",
        "language": "sv-SE",
        "urls": {
            "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce/urls"
        },
        "payeeInfo": {
            "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce/payeeInfo"
        },
        "payments": {
            "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce/payments"
        },
        "currentPayment": {
            "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce/currentpayment"
        },
        "items": [
            {
                "creditCard": {
                    "cardBrands": [
                        "Visa",
                        "MasterCard"
                    ]
                }
            }
        ]
    }
    "operations": [
        {
            "method": "PATCH",
            "href": "https://ecom.externalintegration.payex.com/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce",
            "rel": "update-paymentorder-updateorder",
            "contentType": "application/json"
        },
        {
            "method": "PATCH",
            "href": "https://api.externalintegration.payex.com/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce",
            "rel": "update-paymentorder-abort",
            "contentType": "application/json"
        },
        {
            "method": "PATCH",
            "href": "https://ecom.externalintegration.payex.com/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce",
            "rel": "update-paymentorder-expandinstrument",
            "contentType": "application/json"
        },
        {
            "method": "GET",
            "href": "https://ecom.externalintegration.payex.com/paymentmenu/5a17c24e-d459-4567-bbad-aa0f17a76119",
            "rel": "redirect-paymentorder",
            "contentType": "text/html"
        },
        {
            "method": "GET",
            "href": "https://ecom.externalintegration.payex.com/paymentmenu/core/scripts/client/px.paymentmenu.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119&culture=nb-NO",
            "rel": "view-paymentorder",
            "contentType": "application/javascript"
        }
    ]
}

Response

The response back should look something like this (abbreviated for brevity):

Response

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

{
    "paymentorder": {
      "id": "/psp/paymentorders/09ccd29a-7c4f-4752-9396-12100cbfecce"
    },
    "operations": [
        {
            "href": "https://ecom.externalintegration.payex.com/paymentmenu/core/scripts/client/px.paymentmenu.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119&culture=sv-SE",
            "rel": "view-paymentorder",
            "method": "GET",
            "contentType": "application/javascript"
        }
    ]
}

The paymentorder object is abbreviated since it’s just the id and operations we are interested in. Store the id of the Payment Order in your system to look up status on the completed payment later.

Then find the view-paymentorder operation and embed its href in a <script> element. That script will then load the Seamless View for the Payment Menu. We will look into how to hook that up next.

Step 4: Display the Payment Menu

To load the Payment Menu from the JavaScript URL obtained in the back end API response, it needs to be set as a script element’s src attribute. You can cause a page reload and do this with static HTML, or you can avoid the page refresh by invoking the POST to create the payment order through Ajax and then create the script element with JavaScript, all inside the event handler for onConsumerIdentified. The HTML code will be unchanged in this example.

For the guest Payment Menu, lines 23-44 in the JavaScript should be your main focus. They contain what you need to display the Payment Menu without Checkin.

JavaScript

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var request = new XMLHttpRequest();
request.addEventListener('load', function () {
    // We will assume that our own backend returns the
    // exact same as what SwedbankPay returns.
    response = JSON.parse(this.responseText);
    var script = document.createElement('script');
    // This assumes the operations from the response of the POST of the
    // payment order is returned verbatim from the server to the Ajax:
    var operation = response.operations.find(function (o) {
        return o.rel === 'view-consumer-identification';
    });
    script.setAttribute('src', operation.href);
    script.onload = function () {
        payex.hostedView.consumer({
            // The container specifies which id the script will look for
            // to host the checkin component
            container: 'checkin',
            onConsumerIdentified: function onConsumerIdentified(consumerIdentifiedEvent) {
                // When the consumer is identified, we need to perform an AJAX request
                // to our server to forward the consumerProfileRef in a server-to-server
                // POST request to the Payment Orders resource in order to initialize
                // the Payment Menu.
                var request = new XMLHttpRequest();
                request.addEventListener('load', function () {
                    response = JSON.parse(this.responseText);
                    // This is identical to how we get the 'view-consumer-identification'
                    // script from the check-in.
                    var script = document.createElement('script');
                    var operation = response.operations.find(function (o) {
                        return o.rel === 'view-paymentorder';
                    });
                    script.setAttribute('src', operation.href);
                    script.onload = function () {
                        // When the 'view-paymentorder' script is loaded, we can initialize the
                        // Payment Menu inside our 'payment-menu' container.
                        payex.hostedView.paymentMenu({
                            container: 'payment-menu',
                            culture: 'sv-SE'
                        }).open();
                    };
                    // Append the Payment Menu script to the <head>
                    var head = document.getElementsByTagName('head')[0];
                    head.appendChild(script);
                });
                // Like before, you should replace the address here with
                // your own endpoint.
                request.open('POST', '<Your-Backend-Endpoint-Here>', true);
                request.setRequestHeader('Content-Type', 'application/json; charset=utf-8');
                // In this example, we send the entire Consumer Identified Event Argument
                // Object as JSON to the server, as it contains the consumerProfileRef.
                request.send(JSON.stringify(consumerIdentifiedEvent));
            },
            onShippingDetailsAvailable: function onShippingDetailsAvailable(shippingDetailsAvailableEvent) {
                console.log(shippingDetailsAvailableEvent);
            }
        }).open();
    };
    // Appending the script to the head
    var head = document.getElementsByTagName('head')[0];
    head.appendChild(script);
});
// Place in your own API endpoint here.
request.open('POST', '<Your-Backend-Endpoint-Here>', true);
request.setRequestHeader('Content-Type', 'application/json; charset=utf-8');
// We send in the previously mentioned request here to the checkin endpoint.
request.send(JSON.stringify({
    operation: 'initiate-consumer-session',
    language: 'sv-SE',
    shippingAddressRestrictedToCountryCodes : ['NO', 'SE']
}));

This should bring up the Payment Menu in a Seamless View looking like this, depending on whether the payer is logged in (top two) or a guest user (bottom two). Payments done in SEK will have radio buttons for choosing debit or credit card.

When the consumer completes the payment, the Payment Menu script will be signaled and a full redirect to the completeUrl sent in with the Payment Order will be performed. When the completeUrl on your server is hit, you can inspect the status on the stored paymentorder.id on the server, and then perform capture. If the payment is a Sale or one-phase purchase, it will be automatically captured. A third scenario is if the goods are sent physically to the payer; then you should await capture until after the goods have been sent.

You may open and close the payment menu using .open() and .close() functions. You can also invoke .refresh() to update the Payment Menu after any changes to the order.

Below, you will see a complete overview of the payment menu process. Notice that there are two ways of performing the payment:

• Consumer perform payment out of iframe.
• Consumer perform payment within iframe.

sequenceDiagram
    participant Payer
    participant Merchant
    participant SwedbankPay as Swedbank Pay

rect rgba(138, 205, 195, 0.1)
            activate Payer
            note left of Payer: Payment Menu
            Payer ->>+ Merchant: Initiate Purchase
            deactivate Payer
            Merchant ->>+ SwedbankPay: POST /psp/paymentorders (paymentUrl, payer)
            deactivate Merchant
            SwedbankPay -->>+ Merchant: rel:view-paymentorder
            deactivate SwedbankPay
            Merchant -->>- Payer: Display Payment Menu on Merchant Page
            activate Payer
            Payer ->> Payer: Initiate Payment Menu Hosted View (open iframe)
            Payer -->>+ SwedbankPay: Show Payment UI page in iframe
            deactivate Payer
            SwedbankPay ->>+ Payer: Do payment logic
            deactivate SwedbankPay

                opt Consumer perform payment out of iFrame
                    Payer ->> Payer: Redirect to 3rd party
                    Payer ->>+ 3rdParty: Redirect to 3rdPartyUrl URL
                    deactivate Payer
                    3rdParty -->>+ Payer: Redirect back to paymentUrl (merchant)
                    deactivate 3rdParty
                    Payer ->> Payer: Initiate Payment Menu Hosted View (open iframe)
                    Payer ->>+ SwedbankPay: Show Payment UI page in iframe
                    deactivate Payer
                    SwedbankPay ->> Payer: Do payment logic
                end

        SwedbankPay -->> Payer: Payment status
        deactivate SwedbankPay

            alt If payment is completed
            activate Payer
            Payer ->> Payer: Event: onPaymentCompleted
            Payer ->>+ Merchant: Check payment status
            deactivate Payer
            Merchant ->>+ SwedbankPay: GET <paymentorder.id>
            deactivate Merchant
            SwedbankPay ->>+ Merchant: rel: paid-paymentorder
            deactivate SwedbankPay
            opt Get PaymentOrder Details (if paid-paymentorder operation exist)
            activate Payer
            deactivate Payer
            Merchant ->>+ SwedbankPay: GET rel: paid-paymentorder
            deactivate Merchant
            SwedbankPay -->> Merchant: Payment Details
            deactivate SwedbankPay
            end
            end

                opt If payment is failed
                activate Payer
                Payer ->> Payer: Event: OnPaymentFailed
                Payer ->>+ Merchant: Check payment status
                deactivate Payer
                Merchant ->>+ SwedbankPay: GET {paymentorder.id}
                deactivate Merchant
                SwedbankPay -->>+ Merchant: rel: failed-paymentorder
                deactivate SwedbankPay
                opt Get PaymentOrder Details (if failed-paymentorder operation exist)
                activate Payer
                deactivate Payer
                Merchant ->>+ SwedbankPay: GET rel: failed-paymentorder
                deactivate Merchant
                SwedbankPay -->> Merchant: Payment Details
                deactivate SwedbankPay
                end
                end
        activate Merchant
        Merchant -->>- Payer: Show Purchase complete
            opt PaymentOrder Callback (if callbackUrls is set)
            activate Payer
            deactivate Payer
                SwedbankPay ->> Merchant: POST Payment Callback
            end
            end

Now that you have completed the Payment Menu integration, you can move on to finalizing the payment in the After Payment section.