Direct payments

Direct payments isn't a third checkout model. It's an extra option next to the hosted and embedded checkout, for a few cases where you already know how the shopper wants to pay. You show the payment options in your own checkout. When the shopper chooses one, you start the payment with Create direct payment session. Aera's checkout page is shown only if the shopper must authenticate.

Use it for:

How the response works

• No paymentSessionUrl in the response: the payment was approved or declined without the shopper. Check responseInfo.responseCode, or call Get payment status.
• A paymentSessionUrl in the response: the shopper must do something, such as authenticate. Redirect the shopper to it, then handle the result as for the hosted checkout.

Keep the pspReference. All later operations, such as capture, cancel, refund, update and status, use it.

Pay with a saved card (one-click)

The shopper chose a card they saved earlier. Send its paymentInstrumentReference (from Get payment instruments) in paymentInstrumentsProfileData.

{
  "merchantData": {
    "successRedirectUrl": "https://shop.example.com/order/1234/success",
    "cancelRedirectUrl": "https://shop.example.com/order/1234/cancel",
    "errorRedirectUrl": "https://shop.example.com/order/1234/error"
  },
  "transactionData": {
    "merchantReference": "order-1234",
    "immediateCapture": true,
    "amountDetails": { "amount": 10000, "currency": "NOK" }
  },
  "paymentInstrumentsProfileData": {
    "merchantShopperId": "customer-10045",
    "paymentInstrumentReference": "0192a7c4-5e1b-7d2a-8f3c-4b5a6c7d8e9f"
  },
  "paymentMethodInfo": {
    "paymentMethodDetails": [ { "method": "CARD" } ]
  }
}

What happens:

1. If the amount is below the low-value exemption limit (currently NOK 300 or EUR 30) and the card supports it, Aera tries a low-value exemption. If the issuer approves, the payment completes without the shopper, and there's no paymentSessionUrl.
2. If the amount is above the limit, or the issuer soft-declines the exemption (asks for authentication), the response has a paymentSessionUrl. Show it to the shopper. Authentication can be frictionless or need the shopper to act.

Pay with Vipps

"paymentMethodInfo": {
  "paymentMethodDetails": [
    {
      "method": "VIPPS",
      "vipps": {
        "mobileNo": "+4711111111",
        "paymentDescription": "Order 1234"
      }
    }
  ]
}

The shopper approves the payment in the Vipps app. See Vipps.

Pay with Apple Pay

Use this when you run your own Apple Pay integration and get the payment token from Apple. Pass the token on unchanged.

"paymentMethodInfo": {
  "paymentMethodDetails": [
    {
      "method": "APPLEPAY",
      "applePay": {
        "poiChannel": "WEB",
        "token": {
          "paymentMethod": { "displayName": "Visa 1234", "network": "Visa", "type": "debit" },
          "transactionIdentifier": "…",
          "paymentData": { }
        }
      }
    }
  ]
}

See Apple Pay for the fields.

Good to know

• Send only one payment method in paymentMethodDetails.
• immediateCapture and splitShipment work as for the hosted checkout. See Capture a payment.