Non-3DS Implementation

Integration Steps

1. BIN Check

2. Create PreAuth Payment

3. Create PostAuth Payment

4. Webhook

Top View

• BIN Check; section of identifying issuer details where API returns information about installment options and card details.

• Create PreAuth Payment; essential requirement on managing payment request at two-step flow transactions.

• Create PostAuth Payment; engage step to finalize payment recorded by iyzico.

• Webhook; real-time notification of relevant payment.

Sample Implementation

PreAuth NON-3DS implementation consists of 2 subsequent POST requests in short.

• Create PreAuth Payment

• Create PostAuth Payment

Suggested integration tracks following order;

1. BIN Check

Whether 3DS or NON-3DS payment method, It is advised to identify issuer card feature beforehand. BIN detail services provides further details of card type, card scheme, card association which indicates installment and 3DS features.

Sample Installment Request;

{
"price":"100.0",
"binNumber":"535805"
}

Sample Retrieve Installment Response;

{
    "status": "success",
    "locale": "tr",
    "systemTime": 1685905139724,
    "installmentDetails": [
        {
            "binNumber": "535805",
            "price": 100.0,
            "cardType": "DEBIT_CARD",
            "cardAssociation": "MASTER_CARD",
            "cardFamilyName": "iyzico DC",
            "force3ds": 0,
            "bankCode": 864,
            "bankName": "iyzico",
            "forceCvc": 0,
            "commercial": 0,
            "dccEnabled": 0,
            "installmentPrices": [
                {
                    "installmentPrice": 100.0,
                    "totalPrice": 100.0,
                    "installmentNumber": 1
                }
            ]
        }
    ]
}

2. Create PreAuth Payment

NON-3DS payment journey begins with Create PreAuth Payment POST request.

Sample Create PreAuth Payment Request;

{
   "locale":"en",
   "conversationId":"deviyzico",
   "price":"1.0",
   "paidPrice":"1.2",
   "currency":"TRY",
   "installment":1,
   "paymentChannel":"WEB",
   "basketId":"B67832",
   "paymentGroup":"LISTING",
   "paymentCard":{
      "cardHolderName":"Mehmet Test",
      "cardNumber":"5528790000000008",
      "expireYear":"2030",
      "expireMonth":"12",
      "cvc":"123",
      "registerCard":0
   },
   "buyer":{
      "id":"BY789",
      "name":"John",
      "surname":"Doe",
      "identityNumber":"74300864791",
      "email":"[e-mail]",
      "gsmNumber":"[phone]",
      "registrationDate":"2013-04-21 15:12:09",
      "lastLoginDate":"2015-10-05 12:43:35",
      "registrationAddress":"Altunizade, İnci Çk. No:3 Kat: 3 D: 10, 34662 Üsküdar/İstanbul",
      "city":"Istanbul",
      "country":"Turkey",
      "zipCode":"34732",
      "ip":"85.34.78.112"
   },
   "shippingAddress":{
      "address":"Altunizade, İnci Çk. No:3 Kat: 3 D: 10, 34662 Üsküdar/İstanbul",
      "zipCode":"34742",
      "contactName":"Mehmet Test",
      "city":"Istanbul",
      "country":"Turkey"
   },
   "billingAddress":{
      "address":"Altunizade, İnci Çk. No:3 Kat: 3 D: 10, 34662 Üsküdar/İstanbul",
      "zipCode":"34742",
      "contactName":"Mehmet Test",
      "city":"Istanbul",
      "country":"Turkey"
   },
   "basketItems":[
      {
         "id":"BI101",
         "price":"0.3",
         "name":"Binocular",
         "category1":"Collectibles",
         "category2":"Accessories",
         "itemType":"PHYSICAL"
      },
      {
         "id":"BI102",
         "price":"0.5",
         "name":"Game code",
         "category1":"Game",
         "category2":"Online Game Items",
         "itemType":"VIRTUAL"
      },
      {
         "id":"BI103",
         "price":"0.2",
         "name":"Usb",
         "category1":"Electronics",
         "category2":"Usb / Cable",
         "itemType":"PHYSICAL"
      }
   ]
}

Sample Create PreAuth Payment Response;

{
    "status": "success",
    "locale": "en",
    "systemTime": 1714818438785,
    "conversationId": "deviyzico",
    "price": 1.0,
    "paidPrice": 1.2,
    "installment": 1,
    "paymentId": "22145064",
    "fraudStatus": 1,
    "merchantCommissionRate": 20.00000000,
    "merchantCommissionRateAmount": 0.2,
    "iyziCommissionRateAmount": 0.04800000,
    "iyziCommissionFee": 0.25000000,
    "cardType": "CREDIT_CARD",
    "cardAssociation": "MASTER_CARD",
    "cardFamily": "Paraf",
    "binNumber": "552879",
    "lastFourDigits": "0008",
    "basketId": "B67832",
    "currency": "TRY",
    "itemTransactions": [
        {
            "itemId": "BI101",
            "paymentTransactionId": "24080880",
            "transactionStatus": 2,
            "price": 0.3,
            "paidPrice": 0.36000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.06000000,
            "iyziCommissionRateAmount": 0.01440000,
            "iyziCommissionFee": 0.07500000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0,
            "merchantPayoutAmount": 0.27060000,
            "convertedPayout": {
                "paidPrice": 0.36000000,
                "iyziCommissionRateAmount": 0.01440000,
                "iyziCommissionFee": 0.07500000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.27060000,
                "iyziConversionRate": 0,
                "iyziConversionRateAmount": 0,
                "currency": "TRY"
            }
        },
        {
            "itemId": "BI102",
            "paymentTransactionId": "24080881",
            "transactionStatus": 2,
            "price": 0.5,
            "paidPrice": 0.60000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.10000000,
            "iyziCommissionRateAmount": 0.02400000,
            "iyziCommissionFee": 0.12500000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0,
            "merchantPayoutAmount": 0.45100000,
            "convertedPayout": {
                "paidPrice": 0.60000000,
                "iyziCommissionRateAmount": 0.02400000,
                "iyziCommissionFee": 0.12500000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.45100000,
                "iyziConversionRate": 0,
                "iyziConversionRateAmount": 0,
                "currency": "TRY"
            }
        },
        {
            "itemId": "BI103",
            "paymentTransactionId": "24080882",
            "transactionStatus": 2,
            "price": 0.2,
            "paidPrice": 0.24000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.04000000,
            "iyziCommissionRateAmount": 0.00960000,
            "iyziCommissionFee": 0.05000000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0,
            "merchantPayoutAmount": 0.18040000,
            "convertedPayout": {
                "paidPrice": 0.24000000,
                "iyziCommissionRateAmount": 0.00960000,
                "iyziCommissionFee": 0.05000000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.18040000,
                "iyziConversionRate": 0,
                "iyziConversionRateAmount": 0,
                "currency": "TRY"
            }
        }
    ],
    "authCode": "757812",
    "phase": "PRE_AUTH",
    "hostReference": "mock00001iyzihostrfn"
}

3. Create PostAuth Payment

After having completing all the steps above, Its now time to finalize payment operation between Issuer and Acquirer with PostAuth Payment request.

Sample PostAuth Payment Request;

{
  "locale": "en",
  "paymentId":"22145064"
}

Sample Retrieve Response;

{
    "status": "success",
    "locale": "en",
    "systemTime": 1714818557440,
    "price": 1.00000000,
    "paidPrice": 1.20000000,
    "installment": 1,
    "paymentId": "22145064",
    "fraudStatus": 1,
    "merchantCommissionRate": 20.00000000,
    "merchantCommissionRateAmount": 0.20000000,
    "iyziCommissionRateAmount": 0.04800000,
    "iyziCommissionFee": 0.25000000,
    "cardType": "CREDIT_CARD",
    "cardAssociation": "MASTER_CARD",
    "cardFamily": "Paraf",
    "binNumber": "552879",
    "lastFourDigits": "0008",
    "basketId": "B67832",
    "currency": "TRY",
    "itemTransactions": [
        {
            "itemId": "BI101",
            "paymentTransactionId": "24080880",
            "transactionStatus": 2,
            "price": 0.30000000,
            "paidPrice": 0.36000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.06000000,
            "iyziCommissionRateAmount": 0.01440000,
            "iyziCommissionFee": 0.07500000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0E-8,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0E-8,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0E-8,
            "merchantPayoutAmount": 0.27060000,
            "convertedPayout": {
                "paidPrice": 0.36000000,
                "iyziCommissionRateAmount": 0.01440000,
                "iyziCommissionFee": 0.07500000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.27060000,
                "iyziConversionRate": 0E-8,
                "iyziConversionRateAmount": 0E-8,
                "currency": "TRY"
            }
        },
        {
            "itemId": "BI102",
            "paymentTransactionId": "24080881",
            "transactionStatus": 2,
            "price": 0.50000000,
            "paidPrice": 0.60000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.10000000,
            "iyziCommissionRateAmount": 0.02400000,
            "iyziCommissionFee": 0.12500000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0E-8,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0E-8,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0E-8,
            "merchantPayoutAmount": 0.45100000,
            "convertedPayout": {
                "paidPrice": 0.60000000,
                "iyziCommissionRateAmount": 0.02400000,
                "iyziCommissionFee": 0.12500000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.45100000,
                "iyziConversionRate": 0E-8,
                "iyziConversionRateAmount": 0E-8,
                "currency": "TRY"
            }
        },
        {
            "itemId": "BI103",
            "paymentTransactionId": "24080882",
            "transactionStatus": 2,
            "price": 0.20000000,
            "paidPrice": 0.24000000,
            "merchantCommissionRate": 20.00000000,
            "merchantCommissionRateAmount": 0.04000000,
            "iyziCommissionRateAmount": 0.00960000,
            "iyziCommissionFee": 0.05000000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0E-8,
            "blockageResolvedDate": "2024-05-12 00:00:00",
            "subMerchantPrice": 0E-8,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0E-8,
            "merchantPayoutAmount": 0.18040000,
            "convertedPayout": {
                "paidPrice": 0.24000000,
                "iyziCommissionRateAmount": 0.00960000,
                "iyziCommissionFee": 0.05000000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 0.18040000,
                "iyziConversionRate": 0E-8,
                "iyziConversionRateAmount": 0E-8,
                "currency": "TRY"
            }
        }
    ],
    "authCode": "510911",
    "phase": "POST_AUTH",
    "hostReference": "mock00001iyzihostrfn"
}

4.Webhook

Webhooks are tail subject of our implementation streamline.

Receiving real-time payment notifications leverages overall 3DS experience while ensuring that the notifications are coming from trusted sources, preventing any potential tampering or unauthorized access to sensitive data.

Each payment event triggers webhooks;

• In 15 seconds.

• Until your server responds with 200.

• For every 10 minutes.

• Max 3 times.

Sample PreAuth & Capture Non-3DS Webhook

Parametere	Type	Description
iyziEventTime	long	Unix timestamp value of first notification.
iyziEventType	string	Shows the request type. Values: API_AUTH, THREE_DS_AUTH, BKM_AUTH
iyziReferenceCode	string	A unique reference code for the notification
paymentId	long	Unique iyzico reference code of related payment
paymentConversationId	string	Merchant's reference id for the related payment
status	string	Payment status. Values: SUCCESS, FAILURE

Happy path includes success parameter in the status variable.

Confirmation

To finalize payment operations successfully, correlation of certain variables plays significant role;

• paymentId

• status

• price

• Other Idempotency parameters optionally

Its vital that Create PostAuth Payment response and Webhook notification have to authenticate each other.

• paymentId on Create PostAuth Payment response should be equal to paymentIdfrom Webhook

• Both of the status parameters should be success

• price parameter amounts should be the same

• And lastly, Idempotency parameters should be the same as well.

If so, congratulations! Just finished PreAuth & Capture NON-3DS implementation.

Transaction details could get from merchant panel.