Payment Method

Object

Name	Type	Mandatory	Description
class	string	Y	The type of object which is being returned. In this case it will be payment_method.
type	string	N	The payment method type. See types
display	string	N	A payment method-specific string that can be used to identify the payment method used.
validation_status	string	N	The validation status. Currently our system only performs card validation. See validation statuses
validation_date	unix timestamp	N	The last validation date if validation is enabled for your account.
invalid_reason	string	N	If the validation status is invalid this field will specify the reason. See invalid reasons)
details	array	N	The payment method details object. The parameters returned differ according to the payment method type. See details.

Payment Method types

Type	Description
CREDITCARD	Credit cards
IDEAL	Payments through bank accounts
SOFORT_BANKING	Payments through bank accounts
SEPA_DIRECT_DEBIT	Payments through bank accounts
ANCV_CVCO	ANCV
OPENBANKING	Payments through Open Banking

Validation statuses

Status	Final	Description
NOT_VALIDATED	Y	The payment method has not been validated
VALID	Y	Validation performed and the payment method is valid.
INVALID	Y	Validation performed and the payment method is invalid.
NOT_SUPPORTED	Y	Our system cannot perform validation on this specific payment method.
ERROR	N	An error occurred while attempting the card validation

Invalid reasons

Currently this section is only relevant for card validation and card marked as INVALID.

Reason	Description
HARD_DECLINE	Validation failed because the card is flagged as lost or stolen
SOFT_DECLINE	Validation failed because it has been declined by the acquiring bank, mostly due to exceeding card limits or invalid card holder details.
INSUFFICIENT_FUNDS	We attempted to validate the card but the validation failed because of insufficient funds
SCHEME_NOT_SUPPORTED	Validation failed because the scheme is not supported
PREPAID_NOT_SUPPORTED	Validation failed because prepaid cards are not supported
BIN_NOT_SUPPORTED	Validation failed because the card’s bin is not supported

Payment Method details

Name	Type	Mandatory	Description
class	string	Y	The type of object which is being returned. In this case it will be payment_method_details.

Method-specific parameters

Method: CREDITCARD

Name	Type	Description
fingerprint	string	The credit card fingerprint Uuid.
holder	string	Cardholder name.
scheme	string	Credit card scheme. See the section below.
exp_month	string	Credit card expire month (ex: 01).
exp_year	string	Credit card expire year (ex: 2016).

Card schemes

Scheme
VISA
MASTERCARD
VISAELECTRON
AMERICANEXPRESS
DINERSCLUB
DISCOVER
JCB
MAESTROINT
SOLO
SWITCH
LASER
UNIONPAY
DEBITMASTERCARD
ENROUTE
ATM
DUET
GECAPITAL
PLATIMA
PPT
RBSGIFTCARD
PRIVATELABELCARD
UKFUELCARD
AIRPLUS
ATOSPRIVATELABEL
HIPERCARD
ELO
DANKORT
AURA
RUPAY
BANKCARD
CHJONESFUELCARD
REDFUELCARD
EUROSHELLFUELCARD
LOYALTYCARD
BPFUELCARD
PHHFUELCARD
STARREWARDS
REDLIQUIDFUELCARD
LUKOILFUELCARD
UNKNOWN

Method: SEPA_DIRECT_DEBIT | IDEAL | SOFORT_BANKING

Name	Type	Description
fingerprint	string	The bank account fingerprint Uuid.
holder	string	The bank account holder name.
iban	string	The bank account IBAN code.
bic	string	The bank account BIC/SWIFT code.

Method: ANCV_CVCO

Name	Type	Description
cvco_reference	string	The reference of the transaction for the processor.
wallet	string	The reference of the wallet/buyer for the processor.

Example

{
    "class":"payment_method",
    "type":"CREDITCARD",
    "display":"4111-11xx-xxxx-1111",
    "validation_status": "VALID",
    "validation_date":"1443607554",
    "invalid_reason": null,
    "details":
    {
        "class":"payment_method_details",
        "holder":"Card Holder Name",
        "scheme": "VISA",
        "exp_month":"01",
        "exp_year":"2016"
    }
}