Payment in installments Pumb

General information

Pay in installments by PUMB is an interest-free installment plan provided by PUMB that allows customers to split a purchase into a convenient number of payments within the credit limit установлен by PUMB. To use this payment method, the payment must be made exclusively with a PUMB card.

More detailed information about the service features and terms can be found on the PUMB website.

Direct integration

Direct integration allows you to accept payments using your own payment page.

Interaction format:

An image from the static

The use of direct integration when collecting card data on the merchant side requires PCI DSS certification. Alternatively, you can use our tokenization widget by implementing it on your site.

Features of using direct integration:

The payment page must use the HTTPS protocol.
Customer details must be persistent and unique.
Use the HTTP POST method.

Request parameters:

Parameter	Type	Required	Description
`pos_id`	UUID	✅	Merchant's identifier (`POS_ID`)
`mode`	MODE	✅	`hosted`
`method`	METHOD	✅	Payment method (`auth` or `purchase`)
`amount`	Number	✅	Transaction amount. Must be a positive number (min 500 UAH)
`currency`	CURRENCY	✅	Transaction currency (ISO_4217)
`description`	String	✅	Payment description
`order_id`	String	✅	Unique identifier of order
`order_3ds_bypass`	String	✅	3-D Secure flow option
`payway`	String	✅	Use `fuib_payparts` for processing direct payments through Pumb Payment by Parts
`products`	Array[Product]	✅	Array of products to be paid
`customer_id`	String		Customer's identifier in merchant's system
`customer_fname`	String		Customer's first name.
`customer_lname`	String		Customer's last name.
`customer_patronym`	String		Customer's patronym
`customer_email`	String		Customer's email
`customer_phone`	String	✅	Customer's phone
`customer_ip`	String		Customer IP address
`customer_country`	String		Customer's country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
`customer_referrer`	URL		Page customer is redirected from
`customer_tax_id`	String		Customer's tax identification number. The parameter is mandatory for merchants operating in the microfinance sector when the payment amount exceeds 30 000 UAH
`server_url`	URL		Webhook notification will be sent to this URL
`result_url`	URL		Customer will be redirected to this URL after payment.
`merchant_mcc`	MCC		MCC for this transaction
`payload`	String		Field for custom data. Max 4000 symbols.
`validation_url`	URL		Preflight request will be sent to this URL
`browser_fingerprint`	JSON	✅	Browser fingerprint. These parameters could be used in 3DS 2.0 verification
`properties.parts_count`	String.	✅	The number of parts into which the payment amount is divided (must be => 3 and <= 24)

Example request:

$ curl "https://cpay.tranzzo.com/api/v1/payment" \
   -H "Content-Type: application/json" \
   -H "X-API-AUTH: CPAY-HMAC-SHA1 ${API_KEY}:${SIGNATURE}" \
   -H "X-API-KEY: ${ENDPOINTS_KEY}" \
   -X POST -d '{
     "pos_id":           "${POS_ID}",
     "mode":             "direct",
     "method":           "purchase",
     "amount":           500,
     "payway":           "fuib_payparts",
     "currency":         "UAH",
     "description":      "Order description",
     "order_id":         "123",
     "order_3ds_bypass": "always",
     "customer_phone":    "+380000000000",
     "server_url":       "https://callback.blackhole.com/callback",
     "result_url":       "https://example.com/result",
     "customer_referrer": "https://example.com",
     "properties":       {
       "part_counts": "3"
     },
    "products": [
      {
        "name": "Apple",
        "amount": 500,
        "qty": 1
      }
    ],
    "browser_fingerprint": {
        "browserColorDepth":       "24",
        "browserScreenHeight":     "860",
        "browserScreenWidth":      "1600",
        "browserJavaEnabled":      "false",
        "browserLanguage":         "uk-UA",
        "browserTimeZone":         "Europe/Kiev",
        "browserTimeZoneOffset":   "-120",
        "browserAcceptHeader":     "text/html,application/xhtml+xml,application/xml;q=0.9,image/webp,image/apng,*/*;q=0.8",
        "browserIpAddress":        "127.0.0.1",
        "browserUserAgent":        "Mozilla/5.0 (Windows NT 6.1; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/88.0.4324.146 Safari/537.36"
      },
   }'

Response parameters:

Parameter	Type	Description
`payment_id`	UUID	Unique Tranzzo payment identifier
`order_id`	String(≤256)	Unique identifier of order
`gateway_order_id`	GW_ID	Unique order identifier in bank acquirer system.
`billing_order_id`	BILLING_ID	Unique Tranzzo billing identifier
`transaction_id`	UUID	Tranzzo transaction identifier
`pos_id`	UUID	Merchant's identifier (`POS_ID`)
`mode`	MODE	`direct`
`method`	METHOD	Payment method (`auth` or `purchase`)
`amount`	Number	Transaction amount
`currency`	CURRENCY	Transaction currency (ISO_4217)
`description`	String(≤2048)	Payment description
`status`	STATUS	Transaction status
`status_code`	STATUS_CODE	Tranzzo payment status code
`status_description`	STATUS_DESCRIPTION	Tranzzo payment status code description
`user_action_required`	Boolean	Either customer action is required to proceed with payment
`user_action_url`	URL	If `user_action_required` is `true` then user should be redirected to this URL
`eci`	ECI	Electronic Commerce Indicator - authentication result of credit card payment on 3D Secure
`mcc`	MCC	MCC for this transaction
`options_3ds`	String	3-D Secure flow option
`customer_id`	String	Customer’s identifier in merchant's system
`customer_fname`	String	Customer’s first name
`customer_lname`	String	Customer’s last name
`customer_patronym`	String	Customer’s patronym
`customer_email`	String	Customer’s email
`customer_phone`	String	Customer’s phone
`customer_country`	String	Customer’s country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
`customer_birthday`	String	Customer’s birthday (format: `yyyy-MM-dd`)
`result_url`	URL	Customer will be redirected to this URL after payment.
`created_at`	TIMESTAMP	Timestamp when transaction was created
`processing_time`	TIMESTAMP	Timestamp when transaction was updated last time
`fee`	Object	Amount and currency of commission
`fixed_fee`	Object	Amount and currency of fixed commission (fee), which constitutes a portion of the total commission (fee)
`percent_fee`	Object	Amount and currency representing the interest commission (fee), which constitutes a portion of the total commission (fee)
`payload`	String	Field for custom data
`bank_short_name`	String	Bank short name.

Response example:

{
  "payment_id":           "9b1392a5-d030-4e85-b02d-9b7191ea2a5e",
  "order_id":             "123",
  "gateway_order_id":     "9B39A076243EB3EBB0925EAA981763AC:158545961",
  "billing_order_id":     "11231231231",
  "transaction_id":       "a8d80c86-0c7b-41bc-b63d-1e78f80edcd9",
  "pos_id":               "dc728de1-51ef-4ef1-80f7-3b44b07b5667",
  "mode":                 "direct",
  "method":               "purchase",
  "amount":               500,
  "currency":             "UAH",
  "description":          "Order description",
  "status":               "pending",
  "status_code":          "2122",
  "status_description":   "pending",
  "user_action_required": false,
  "user_action_url":      "null",
  "eci":                  "null",
  "mcc":                  "null",
  "options_3ds":          "supported",
  "customer_id":          "123",
  "customer_ip":          "194.183.171.239",
  "customer_fname":       "Tom",
  "customer_lname":       "Hanks",
  "customer_email":       "[email protected]",
  "customer_phone":       "+380999999999",
  "customer_country":     "UA",
  "result_url":           "https://example.com/result",
  "created_at":           "2018-10-10T10:10:22.100",
  "processed_at":         "2018-10-10T10:10:23.300",
  "payload":              "sale=true",
  "receipt_url":          "https://cpay.tranzzo.com/public/receipt/12491284012940129402424124124124124ffef3re3rf32f2vf"
}

Hosted integration

Hosted integration will allow you to accept payments from customers from the Tranzzo payment page.

info

To activate the “Pay in installments from FUIB” method on the payment page, please contact Tranzzo Support

The payment creation request must contain the following parameters:

Parameter	Type	Required	Description
`pos_id`	UUID	✅	Merchant's identifier (`POS_ID`)
`mode`	MODE	✅	`hosted`
`method`	METHOD	✅	Payment method (`auth` or `purchase`)
`amount`	Number	✅	Transaction amount. Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
`currency`	CURRENCY	✅	Transaction currency (ISO_4217)
`description`	String	✅	Payment description
`order_id`	String	✅	Unique identifier of order
`order_3ds_bypass`	String	✅	3-D Secure flow option
`products`	Array[Product]	✅	Array of products to be paid
`name`	String	✅	Product name
`amount`	Number	✅	Product price (does not influence total payment amount). Must be a positive number. The number of decimal digits must be less than or equal to 2 (e.g., 100.00, 250, 50.50)
`currency`	String	✅	Product price currency
`qty`	Number	✅	Product quantity. Max three decimals (e.g. 1.455)
`customer_id`	String		Customer's identifier in merchant's system
`customer_fname`	String		Customer's first name. The parameter is mandatory for merchants operating in either the microfinance sector or the iGaming sector
`customer_lname`	String		Customer's last name. The parameter is mandatory for merchants operating in either the microfinance sector or the iGaming sector
`customer_patronym`	String		Customer's patronym
`customer_email`	String		Customer's email
`customer_phone`	String	✅	Customer's phone
`customer_lang`	String		Checkout language. Supported values.
`customer_country`	String		Customer's country (ISO 3166-1 (alpha-2)). For instance, UA for Ukraine
`customer_birthday`	String		Customer's birthday (format: `yyyy-MM-dd`)
`customer_tax_id`	String		Customer's tax identification number. The parameter is mandatory for merchants operating in the microfinance sector when the payment amount exceeds 30 000 UAH
`server_url`	URL		Webhook notification will be sent to this URL
`result_url`	URL		Customer will be redirected to this URL after payment.
`merchant_mcc`	MCC		MCC for this transaction
`payload`	String		Field for custom data. Max 4000 symbols.
`validation_url`	URL		Preflight request will be sent to this URL
`order_timeout`	Integer		Payment lifespan. Value in seconds
`f_receipt_delivery`	String		Fiscal receipt delivery option (email, sms, viber, none). For more details, refer to the Receiving Fiscal Receipts section.

Request example:

$ curl "https://cpay.tranzzo.com/api/v1/payment" \
    -H "Content-Type: application/json" \
    -H "X-API-AUTH: CPAY-HMAC-SHA1 ${API_KEY}:${SIGNATURE}" \
    -H "X-API-KEY: ${ENDPOINTS_KEY}" \
    -X POST -d '{
      "pos_id":           "${POS_ID}",
      "mode":             "hosted",
      "method":           "purchase",
      "amount":           500,
      "currency":         "UAH",
      "description":      "Order description",
      "order_id":         "123",
      "order_3ds_bypass": "always",
      "customer_id":      1234,
      "customer_fname":   "Tom",
      "customer_lname":   "Hanks",
      "customer_email":   "[email protected]",
      "customer_phone":   "+380999999999",
      "server_url":       "https://callback.blackhole.com/callback",
      "result_url":       "https://example.com/result",
      "payload":          "sale=true",
      "products":         [
        {
          "name"    : "Apple",
          "amount"  : 100,
          "currency": "UAH",
          "qty"     : 2
        },
        {
          "name"    : "Pineapple",
          "amount"  : 350,
          "currency": "UAH",
          "qty"     : 1
        }
      ]
    }'

A 303 HTTP response status to a successful request contains a location header to which the customer should be redirected to proceed with payment.

Response example:

HTTP/2 303
# .. other headers
Location: https://cpay.tranzzo.com/api/v1/checkout/1b806782-3d97-4444-abb9-6e4b45d34663/form

Next steps

To test the subscription creation process:

Create an account in the merchant portal
Use the authentication data of the test project.
Configure webhooks.
Use the test data to obtain different operation result codes.
Handle received errors.

Find more details in the integration checklist.

Going live:

Create a live project in the merchant portal.
With direct integration pass PCI DSS certification (if you intend to work with card data of the payers on your side) or implement a tokenization widget (possibility of making direct payments without using card data).
Upon activation of the live project by our Compliance Team, use its authentication data instead of the one of the test project.

General information​

Direct integration​

Hosted integration​

Next steps​

General information

Direct integration

Hosted integration

Next steps