Create Transaction

You can use this call to create a new Bancontact transaction.

Prerequisite

Get an access_token and use it as 'Bearer' token in your request. Find more details here.

Request

POST https://api.pay.cm.com/api/v1/paymentmethods/bancontact/v1/transactions

Request body examples

These are only some examples of the request body to create a transaction:

{
  "reference": "98494949",
  "description": "Order at yourdomain.tld",
  "amount": 1200,
  "currency": "EUR",
  "expiresAt": "2024-06-14T15:04:05Z",
  "language": "en",
  "consumer": {
    "name": {
      "firstName": "John",
      "lastName": "Lopez",
      "middleName": "A"
    },
    "address": {
      "street": "Rustenburgerlaan",
      "houseNumber": "25",
      "postalCode": "2012AL",
      "city": "Haarlem",
      "countryCode": "BE",
      "state": "Noord-Holland",
      "additionalData": "Right-hand portal"
    },
    "email": "[email protected]",
    "businessName": "CM",
    "phone": "06-95613259",
    "gender": null,
    "dateOfBirth": "1996-12-01"
  },
  "webhooks": [
    {
      "url": "https://yourdomain.tld/order-webhooks?purchaseId=order123",
      "events": [
        "FINALSTATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "REFUND_STATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "STATUS_CHANGE"
      ]
    }
  ],  
  "returnUrls": {
    "success": "https://yourdomain.tld/order/payment-success.html",
    "cancelled": "https://yourdomain.tld/order/payment-cancelled.html",
    "expired": "https://yourdomain.tld/order/payment-expired.html",
    "failed": "https://yourdomain.tld/order/payment-failed.html"
  }
}

{
  "reference": "98494949",
  "description": "Order at yourdomain.tld",
  "amount": 1200,
  "currency": "EUR",
  "expiresAt": "2024-06-14T15:04:05Z",
  "language": "en",
  "consumer": {
    "name": {
      "firstName": "John",
      "lastName": "Lopez",
      "middleName": "A"
    },
    "address": {
      "street": "Rustenburgerlaan",
      "houseNumber": "25",
      "postalCode": "2012AL",
      "city": "Haarlem",
      "countryCode": "BE",
      "state": "Noord-Holland",
      "additionalData": "Right-hand portal"
    },
    "email": "[email protected]",
    "businessName": "CM",
    "phone": "06-95613259",
    "gender": null,
    "dateOfBirth": "1996-12-01"
  },
  "webhooks": [
    {
      "url": "https://yourdomain.tld/order-webhooks?purchaseId=order123",
      "events": [
        "FINALSTATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "REFUND_STATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "STATUS_CHANGE"
      ]
    }
  ],  
  "returnUrl": "https://yourdomain.tld/order/payment-completed.html"
}

{
  "reference": "98494949",
  "description": "Order at yourdomain.tld",
  "amount": 1200,
  "expiresAt": "2024-06-14T15:04:05Z",
  "language": "en",
  "returnUrl": "https://yourdomain.tld/order/payment-completed.html"
}

"Full Request with ReturnURLs" and "Full Request with ReturnURL" are examples where all the request parameters are provided. If returnUrls is defined then customers will be redirected to a different URL depending on the status of the transaction when the payment process is completed. If returnUrl is defined then customers will be redirected to the same URL no matter the status of the transaction when the payment process is completed.

"Minimal Request with ReturnURLs" is an example of the minimal request to create a transaction. This example, is using returnUrls, but you can replace it for returnUrl depending on what is better for your use case.

Parameters

Parameter	Type	Description	Constraints
reference	String(1...255)	An identifier specified by you. If webhooks were specified in the request this identifier is added to the webhook request payload.
amount	Int(1...99999999)	Integer representing the amount of the transaction. Denomination in the smallest currency subunit (e.g. eurocents).
description	String(1...255)	Description of the transaction.
expiresAt	String(RFC3339)	Expiration time.	ISO 8601 date and time.
language	String(ISO 639-1)	Preferred language of the user interface.	ISO 639-1 language.
returnUrl	String(2000)	Specifies the URL where your customers will be redirected to when the payment process is completed.	Either `returnUrl` or `returnUrls` must be specified, but not both.
returnUrls	returnUrls Object	Specifies a URL where your customers will be redirected to (per transaction status) when the payment process is completed. For example, your customers will be redirected to `returnUrls.success` when the status of the transaction changes to `SUCCESS`.	Either `returnUrl` or `returnUrls` must be specified, but not both.

Optional parameters

Parameter	Type	Description	Constraints
currency	String (ISO 4217)	Currency code.	ISO 4217 currency code.
consumer	consumer Object	Customer details.	The following fields are mandatory: `name.firstName`, `name.lastName`, `address.street`, `address.houseNumber`, `address.postalCode`, `address.city`, `address.countryCode`, `email`. Besides that, Bancontact is usually enabled for `BE` as the value of the `address.countryCode`.
webhooks	Array of objects	Webhooks enable receiving a web request once a given event occurs.	Find more details here.

Response

{
  "id": "8db1e7fa-ba8a-4189-92fd-67a20217443d",
  "orderId": "8db1e7fa-ba8a-4189-92fd-67a20217443d",
  "reference": "20210623130413",
  "amount": 1200,
  "currency": "EUR",
  "description": "Order at yourdomain.tld",
  "expiresAt": "2006-01-02T15:04:05Z",
  "language": "nl",
  "country": "BE",
  "webhooks": [
    {
      "url": "https://yourdomain.tld/order-webhooks?purchaseId=order123",
      "events": [
        "FINALSTATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "REFUND_STATUS"
      ]
    },
    {
      "url": "https://yourdomain.tld/payment-webhooks?purchaseId=order123",
      "events": [
        "STATUS_CHANGE"
      ]
    }
  ],
  "status": "OPEN",
  "action": {
    "qrcode": {
      "url": "https://qrbackend.tld/images/213981209381209390821.png"
    },
    "intent": {
      "url": "https://docdata.tld/pay?order=123"
    },
    "redirect": {
      "url": "https://checkout.tld/3ds/bancontact/v1/123"
    }
  },
  "createdAt": "2006-01-02T15:04:05Z",
  "refunds": {
    "refundedAmount": 300,
    "refundedPendingAmount": 100
  },
  "returnUrls": {
    "success": "https://yourdomain.tld/order/payment-success.html",
    "cancelled": "https://yourdomain.tld/order/payment-cancelled.html",
    "expired": "https://yourdomain.tld/order/payment-expired.html",
    "failed": "https://yourdomain.tld/order/payment-failed.html"
  }
}

Parameters

Parameter	Type	Description	Constraints
id	String(36)	Transaction unique identifier.
orderId	String(36)	Unique identifier.
reference	String(1...255)	An identifier specified by you. If webhooks were specified in the request this identifier is added to the webhook request payload.	Specified in the request.
amount	Int(1...99999999)	Integer representing the amount of the checkout. Denomination in the smallest currency subunit (e.g. eurocents).	Specified in the request.
currency	String (ISO 4217)	Currency code.	Specified in the request.
description	String(1...255)	Description of the transaction.	Specified in the request.
expiresAt	String(RFC3339)	Expiration time.	Specified in the request.
language	String(ISO 639-1)	Preferred language of the user interface.	Specified in the request.
country	String	Country of the Customer.
status	String	`OPEN` - Transaction has been created. This is the initial status. `SUCCESS` - Transaction successfully paid. `CANCELLED` - Transaction has been cancelled by your customers. `EXPIRED` - Transaction has not succeeded; expired. `FAILURE` - Transaction has not succeeded; unknown reason.
action	action Object	The next action to be performed by you for this transaction. This includes the `qrcode` action (which includes the URL of the Bancontact QR code image to be shown to your customer), and the `intent` action (which includes the intent URL to be shared with your customer).	This parameter is nullable, and it is only available while the transaction is `OPEN`.
createdAt	String(RFC3339)	Creation time.	ISO 8601 date and time.
returnUrl	String(2000)	Specifies the URL where your customers will be redirected to when the payment process is completed.	Specified in the request.
returnUrls	Object	Specifies a URL where your customers will be redirected to (per transaction status) when the payment process is completed. For example, your customers will be redirected to `returnUrls.success` when the status of the transaction changes to `SUCCESS`.	Specified in the request.

Optional parameters

Parameter		Description	Constraints
webhooks	Array of objects	Webhooks enable receiving a web request once a given event occurs.	Specified in the request.
refunds	refund Object	Indicates refundedAmount and refundedPendingAmount.

Response codes

HTTP status	Description
201	Successful transaction.
4XX	Client error response (See message for details). This response is given when the user input was incorrect or something illegal was attempted (eg. using a service without having that service configured for the user, or not being authorized).
5XX	Server error response (See message for details).