1.1 General information about Bancontact
2 1cs Online Payment System interface
| Info | Typ |
| Bancontact is a Belgian payment method for Debit cards with which the merchant obtains a payment guarantee and eliminates the risk of chargebacks. At the Bancontact checkout customers enter their card details and are then directed to their own online bank where they simply need to authorize the payment they have just made. | Payments by Credit Card |
Please note, these manual described the Bancontact processing only via our processing partner PPRO.
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) |
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.
To make a payment with Bancontact , go to the following URL:
| https://www.computop-paygate.com/bancontact.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 | ans..40 | O | Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed. |
| 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). |
| Currency | a3 | M | Currency, three digits DIN / ISO 4217, e.g. EUR, USD, GBP. Only PLN and EUR is permissible. 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) |
| OrderDesc | ans..768 | M | Description of goods and prices. Intended purpose on the statement of account. |
| URLSuccess | ans..256 | M | Complete URL which calls up 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 1cs Online Payment Systemand shop, please use the parameter UserData. Common notes: We recommend to use parameter “response=encrypt” to get an encrypted response by 1cs OPS. 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 1cs Online Payment System if payment has been unsuccessful. The URL may not be called up only via port 443. In order to exchange values between 1cs OPS and shop, please use the parameter User Data. Common notes: We recommend to use parameter “response=encrypt” to get an encrypted response by 1cs OPS. 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 1cs OPS to URLSuccess and URLFailure, should be encrypted. For this purpose, transmit Response=encrypt parameter. |
| URLNotify | ans..256 | M | Complete URL which 1cs OPS 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 OPS. 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, 1cs OPS forwards the parameter with the payment result to the shop. |
| 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, 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 OPS 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 1cs OPS 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 OPS. |
| SellingPoint | ans..50 | O | Selling point |
| Service | ans..50 | O | products or service sold |
| Channel | ans..64 | O | Configuration channel of the PPRO contract (account and ContractID are stored in the system). If it exists, it may overwrite channels stored in the system. |
| Language | a2 | O | 2-letter language code (e.g. de) that should be preferred when presenting payment pages to the consumer |
| AccOwner | ans3..50 | M | Name of account holder |
| Plain | ans..50 | O | A single value to be set by the merchant to return some information unencrypted in response/notify, e.g. the MID. “Plain”-parameter is part of encrypted “Data” in 1cs OPS and therefore protected against manipulation. |
| Custom | ans..1024 | O | “Custom”-parameter is added to the request data before encryption and is part of encrypted “Data” in 1cs OPS request. By this they are protected against manipulation by a consumer. The Custom-value is added to the 1cs OPS response in plain text and the “|” is replaced by a “&”. By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose. Please find a samples here: Custom |
The following table gives the result parameters which 1cs Online Payment System transmits to 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 key (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| mid | ans..30 | M | MerchantID, assigned by the First Cash Solution |
| PayID | an32 | M | ID assigned by 1cs OPS 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 OPS |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| refnr | ans..40 | O | Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed. |
| Status | a…50 | M | OK or AUTHORIZE_REQUEST (URLSuccess) as well as 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 1cs OPS Response Codes (Error codes) |
| 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 at request, 1cs OPS forwards the parameter with the payment result to the shop. |
| PaymentPurpose | ans..26 | O | Purpose of payment |
| PaymentGuarantee | a..12 | O | Value+ Description: NONE – no payment guarantee VALIDATED – customer account valid, but no payment guarantee FULL – payment guarantee Notice: This parameter is only returned if the Status=OK. |
| ErrorText | ans..128 | C | Detailed PPRO error message. Notice: Is returned only if Status=FAILED. Use is possible only in agreement with the First Cash Solution |
| TransactionID | an..20 | O | Unique transaction number with PPRO |
| Plain | ans..50 | O | A single value to be set by the merchant to return some information unencrypted in response/notify, e.g. the MID. “Plain”-parameter is part of encrypted “Data” in the 1cs OPS and therefore protected against manipulation. |
| Custom | ans..1024 | O | “Custom”-parameter is added to the request data before encryption and is part of encrypted “Data” in 1cs OPS request. By this they are protected against manipulation by a consumer. The Custom-value is added to 1cs OPS response in plain text and the “|” is replaced by a “&”. By this you can put a single value into Custom-parameter and get multiple key-value-pairs back in response for your own purpose. Please find a samples here: Custom |
Credits (refunds) are possible via a Server-to-Server connection. For a Credit with reference to a capture the amount of the Credit is limited to the amount of the previous capture. To carry out a credit with a reference transaction, please use the following URL:
Notice: For security reasons, 1cs OPS 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 the First Cash Solution. Additionally this parameter has to be passed in plain language too. |
| PayID | an32 | M | ID assigned by 1cs OPS for the payment to be credited |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| RefNr | ans..40 | O | Merchant’s unique reference number, which serves as payout reference in the acquirer EPA file. Please note, without the own shop reference delivery you cannot read out the EPA transaction and regarding the additional Computop settlement file (CTSF) we cannot add the additional payment data. Only characters a-zA-Z0-9,-_ are allowed. |
| Amount | n..10 | M | Amount in the smallest currency unit (e.g. EUR Cent). Please contact the First Cash Solution, if you want to capture amounts <100 (smallest currency unit). |
| 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) |
| 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, 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 OPS 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 1cs OPS 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 OPS. |
The following table describes the result parameters with which the 1cs OPS responds to your system
pls. be prepared to receive additional parameters at any time and do not check the order of parameters
the key (e.g. MerchantId, RefNr) should not be checked case-sentive
| Parameter | Format | CND | Description |
| mid | ans..30 | M | MerchantID, assigned by the First Cash Solution |
| PayID | an32 | M | ID assigned by 1cs OPS 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 OPS |
| TransID | ans..64 | M | TransactionID provided by you which should be unique for each payment |
| Status | a…50 | M | OK or /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 1cs OPS Response Codes (Error codes) |
| refnr | ans..40 | O | Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed. |
| ErrorText | ans..128 | C | Detailed PPRO error message. Notice: Is returned only if Status=FAILED. Use is possible only in agreement with the First Cash Solution |
“Als eine der bekanntesten Opernhäuser der Welt steht die Semperoper Dresden für herausragende Kultur und Qualität.
Im Bereich der Zahlungs-abwicklung setzen wir deshalb auf die 1cs – für uns die perfekte Kombination aus persönlicher Betreuung und individuelle Beratung auf höchstem Niveau.”
Doris Schneider,
Leiterin Vertrieb und Service
“Wir setzen bei Fahrrad XXL auf den verlässlichen Service der First Cash Solution und fühlen uns hier bestens aufgehoben!”
Peter Hürter, Fahrrad XXL
“Die First Cash Solution ist stets zuverlässig und bietet einen
super Service durch ständige Bereitschaft uns zu helfen
sowie schnelle und kompetente Antworten auf all unsere Fragen.”
Thomas Quindt,
Projektleiter SOCCERBEAT GmbH
Gebühr der Kartenorganisationen:
Werden von den Kreditkartenorganisationen wie Visa oder Mastercard erhoben, sie werden auch Card Scheme Fees (CSF) genannt.
Bearbeitungsgebühr:
Wird von Deinem Zahlungsanbieter/Acquirer berechnet, in Deinem Fall von uns (1cs). Sie wird auch Acquirer Service Fee (ASF) genannt.
Interchange-Gebühr:
Wird von der kartenherausgebenden Bank bzw. Issuer in Rechnung gestellt. Sie wird auch Interchange Fee (ICF) genannt.
“Hier wird uns bei jedem Anliegen kompetent, unkompliziert und schnell geholfen! Daher können wir die First Cash Solution nur empfehlen.”
Sandra von Bargen, Hachez CHOCOVERSUM GmbH
„Die unkomplizierte schnelle Betreuung passt 100% zu uns und unserem Abrechnungssystem.“
Markus Tanger, Road House Paderborn