NON-3DS Implementation

Integration Steps

1. BIN Check

2. Create Payment

3. Retrieve(Optional)

4. Webhook

Top View

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

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

• Retrieve(Optional); engage step to check transaction details of recorded payment by iyzico.

• Webhook; real-time notification of relevant payment.

Sample Implementation

Even if essential NON-3DS implementation consists of 2 subsequent POST requests in short.

• Create Payment

• Retrieve(Optional)

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 Retrieve 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 Payment

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

Sample Create Payment Request;

{
   "locale":"en",
   "conversationId":"deviyzico",
   "price":"10.01",
   "paidPrice":"10.01",
   "currency":"TRY",
   "installment":1,
   "paymentChannel":"WEB",
   "basketId":"B67832",
   "paymentGroup":"PRODUCT",
   "paymentCard":{
      "cardHolderName":"Mehmet Test",
      "cardNumber":"5526080000000006",
      "expireYear":"2028",
      "expireMonth":"11",
      "cvc":"245",
      "registerCard":0
   },
   "buyer":{
      "id":"BY789",
      "name":"John",
      "surname":"Doe",
      "identityNumber":"11111111111",
      "email":"[email protected]",
      "gsmNumber":"[phone]",
      "registrationDate":"2013-04-21 15:12:09",
      "lastLoginDate":"2015-10-05 12:43:35",
      "registrationAddress":"Nidakule Göztepe, Merdivenköy Mah. Bora Sok. No:1",
      "city":"Istanbul",
      "country":"Turkey",
      "zipCode":"34732",
      "ip":"85.34.78.112"
   },
   "shippingAddress":{
      "address":"Nidakule Göztepe, Merdivenköy Mah. Bora Sok. No:1",
      "zipCode":"34742",
      "contactName":"Jane Doe",
      "city":"Istanbul",
      "country":"Turkey"
   },
   "billingAddress":{
      "address":"Nidakule Göztepe, Merdivenköy Mah. Bora Sok. No:1",
      "zipCode":"34742",
      "contactName":"Jane Doe",
      "city":"Istanbul",
      "country":"Turkey"
   },
   "basketItems":[
      {
         "id":"BI101",
         "price":"10.01",
         "name":"Binocular",
         "category1":"Collectibles",
         "category2":"Accessories",
         "itemType":"PHYSICAL"
      }
   ]
}

Sample Create Payment Response;

{
    "status": "success",
    "locale": "en",
    "systemTime": 1686413012592,
    "conversationId": "deviyzico",
    "price": 10.01,
    "paidPrice": 10.01,
    "installment": 1,
    "paymentId": "19682125",
    "fraudStatus": 1,
    "merchantCommissionRate": 0E-8,
    "merchantCommissionRateAmount": 0.00,
    "iyziCommissionRateAmount": 0.40040000,
    "iyziCommissionFee": 0.25000000,
    "cardType": "CREDIT_CARD",
    "cardAssociation": "MASTER_CARD",
    "cardFamily": "Axess",
    "binNumber": "552608",
    "lastFourDigits": "0006",
    "basketId": "B67832",
    "currency": "TRY",
    "itemTransactions": [
        {
            "itemId": "BI101",
            "paymentTransactionId": "20945921",
            "transactionStatus": 2,
            "price": 10.01,
            "paidPrice": 10.01000000,
            "merchantCommissionRate": 0E-8,
            "merchantCommissionRateAmount": 0E-8,
            "iyziCommissionRateAmount": 0.40040000,
            "iyziCommissionFee": 0.25000000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0,
            "blockageResolvedDate": "2023-06-18 00:00:00",
            "subMerchantPrice": 0,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0,
            "merchantPayoutAmount": 9.35960000,
            "convertedPayout": {
                "paidPrice": 10.01000000,
                "iyziCommissionRateAmount": 0.40040000,
                "iyziCommissionFee": 0.25000000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 9.35960000,
                "iyziConversionRate": 0,
                "iyziConversionRateAmount": 0,
                "currency": "TRY"
            }
        }
    ],
    "authCode": "013627",
    "phase": "AUTH",
    "hostReference": "mock00007iyzihostrfn"
}

3. Retrieve(Optional)

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

Retrieve step is an additional precaution we advice our stakeholders to perform before shipping their products.

Sample Retrieve Request;

{  
   "locale":"tr",
   "paymentId":"19682125" //or "paymentConversationId":"deviyzico"
}

Sample Retrieve Response;

{
    "status": "success",
    "locale": "tr",
    "systemTime": 1686413104142,
    "price": 10.01000000,
    "paidPrice": 10.01000000,
    "installment": 1,
    "paymentId": "19682125",
    "fraudStatus": 1,
    "merchantCommissionRate": 0E-8,
    "merchantCommissionRateAmount": 0E-8,
    "iyziCommissionRateAmount": 0.40040000,
    "iyziCommissionFee": 0.25000000,
    "cardType": "CREDIT_CARD",
    "cardAssociation": "MASTER_CARD",
    "cardFamily": "Axess",
    "binNumber": "552608",
    "lastFourDigits": "0006",
    "basketId": "B67832",
    "currency": "TRY",
    "itemTransactions": [
        {
            "itemId": "BI101",
            "paymentTransactionId": "20945921",
            "transactionStatus": 2,
            "price": 10.01000000,
            "paidPrice": 10.01000000,
            "merchantCommissionRate": 0E-8,
            "merchantCommissionRateAmount": 0E-8,
            "iyziCommissionRateAmount": 0.40040000,
            "iyziCommissionFee": 0.25000000,
            "blockageRate": 0E-8,
            "blockageRateAmountMerchant": 0E-8,
            "blockageRateAmountSubMerchant": 0E-8,
            "blockageResolvedDate": "2023-06-18 00:00:00",
            "subMerchantPrice": 0E-8,
            "subMerchantPayoutRate": 0E-8,
            "subMerchantPayoutAmount": 0E-8,
            "merchantPayoutAmount": 9.35960000,
            "convertedPayout": {
                "paidPrice": 10.01000000,
                "iyziCommissionRateAmount": 0.40040000,
                "iyziCommissionFee": 0.25000000,
                "blockageRateAmountMerchant": 0E-8,
                "blockageRateAmountSubMerchant": 0E-8,
                "subMerchantPayoutAmount": 0E-8,
                "merchantPayoutAmount": 9.35960000,
                "iyziConversionRate": 0E-8,
                "iyziConversionRateAmount": 0E-8,
                "currency": "TRY"
            }
        }
    ],
    "authCode": "013627",
    "phase": "AUTH",
    "hostReference": "mock00007iyzihostrfn",
    "paymentStatus": "SUCCESS"
}

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 Auth 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 Payment response and Webhook notification have to authenticate each other.

• paymentId on Create 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 NON-3DS implementation.

Transaction details could get from merchant panel.