OnlineÜberweisen

OnlineÜberweisen is a system that is built to unify bank access for the consumer and merchant. It interfaces directly with the consumer's bank to transfer money from the consumer account to the CPSP or Merchant.

Some basic bank information is needed to perform a payment using OnlineÜberweisen.

⚠️
Important

OnlineÜberweisen is a so-called "Payment Initiation Service": these payment methods are not guaranteed.

At the time the customer authorises the payment at their bank our system automatically receives a real-time confirmation that technically the transaction authorisation is successful (status code will be set to 200).

The customer's bank may execute the actual transfer later, and if at that time there are insufficient funds the transfer may fail.

An alternative option is available to use code 701 first, and wait for the funds to be received before it will become 200 and a status=confirm callback is sent. Contact your account manager if you want to use this option.

In general less than 0.2% of transactions are not received but this depends heavily on the type of products and services offered.

When the funds are received (usually 1-2 business-days later) the book_date of the transaction will be set.

If the funds are not received after 20 days, the system will revert them automatically (code 404).

This section provides reference information about processing OnlineÜberweisen payments with the CURO API.

Please check the Transactions for generic information applicable to all payment methods.

OnlineÜberweisen Payment

Entry point: /rest/v1/curo/payment/onlineueberweisen/

REST request elements

See the OnlineÜberweisen request parameters in the API reference.

Field name	Type Length	Required	Description
`[request]`	container	required	General container for this resource. Includes the generic request items.
`[consumer]`	container	required	Consumer information for this transaction (See the generic Consumer and Shipping elements for this transaction.)
`[cartitems]`	container	required	The cart items of the webshop order. (See the generic CartItems elements.)
`sender_holder`	string 255	required	The account holder of the person performing the payment.
`sender_country_id`	string 255	required	The ISO-3166 country code that identifies the country the person performing the payment is coming from.
`sender_iban`	string 49	required	The IBAN number of the person performing the payment.
`sender_bic`	string 255	required	The BIC code of the bank that the person uses to perform the payment.
`sender_bank_name`	string 255	required	The name of the bank that the person uses to perform the payment.
`recurring`	boolean 1	optional	Indicate this as a master/mandate transaction for recurring payments (using Direct Debit). Supported values: `0` `1`

REST response elements

See the OnlineÜberweisen Payment response elements.

Examples

JSON example request

POST /rest/v1/curo/payment/onlineueberweisen/ HTTP/1.1
Authorization: Basic dXNlcm5hbWU6YXBpa2V5
Host: secure.curopayments.net
Content-type: application/json
Accept: application/json

{
    "site_id": "1234",
    "currency_id": "EUR",
    "amount": "100",
    "reference": "Reference 1",
    "description": "Description 1",
    "url_success": "http://www.example.com/ok.html",
    "url_pending": "http://www.example.com/pending.html",
    "url_failure": "http://www.example.com/wrong.html",
    "url_callback": "http://www.example.com/callback.html",
    "country_id": "DE",
    "language_id": "de",
    "ip": "1.2.3.4",
    "sender_holder": "John Doe",
    "sender_country_id": "DE",
    "sender_iban": "DE89370400440532013000",
    "sender_bic": "COBADEFFXXX",
    "sender_bank_name": "Commerzbank",
    "consumer": {
        "firstname": "John",
        "lastname": "Doe",
        "email": "[email protected]",
        "address": "Nowhereroad 12",
        "city": "NonVille",
        "zipcode": "12345",
        "country_id": "DE",
        "phone": "0612345678",
        "dob": "10-07-1970",
        "gender": "m"
    },
    "cartitems": [
        {
            "quantity": 1,
            "sku": "spijkers_01",
            "name": "Spijkers",
            "price": "150",
            "vat": 21,
            "vat_inc": true,
            "type": 1
        },
        {
            "quantity": 1,
            "sku": "Discount",
            "name": "Discount total",
            "price": "-50",
            "vat": 21,
            "vat_inc": true,
            "type": 4
        }
    ]
}

JSON response for correct request

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

{
    "payment": {
        "action": "redirect",
        "transaction_id": "T1234567890",
        "url": "https://www.onlineueberweisen.com/pay/0050002306563522"
    },
    "success": true
}

JSON response for incomplete request

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

{
    "payment": {
        "action": "redirect",
        "external": "false",
        "url": "https://secure.curopayments.net/v1/payment/onlineueberweisen.app?transaction=T1234567890",
        "transaction_id": "T1234567890"
    },
    "success": true
}

OnlineÜberweisen Refund

See the generic Refund information and request elements.

OnlineÜberweisen Recurring

When the initial OnlineÜberweisen transaction was registered with the option recurring enabled, subsequent recurring payments can be created using the account information available.

Recurring payments for OnlineÜberweisen are processed via SEPA Direct Debit (SDD). See the generic Recurring (SDD) information and request elements.