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xcritical FinDock Documentation

xcritical docs
xcritical docs

To create one, make a /link/token/create request with your client_id, secret, and a few other required parameters from your app server. For a full list of link_token configurations, see /link/token/create. Your customer will then enter his/her billing information in order to complete their purchase.

xcritical docs

Support and questionsFind answers to many common integration questions and concerns—such as pricing, sandbox and test mode usage, and more, in our docs. API Explorer Use the xcritical API Explorer to send test requests and learn about the API.

We provide a range of fully-certified in-person payments solutions, with flexible options to fit any business. Materials to help you master payments and work with our platform. Note, too, that xcritical has its own set of iDEAL issuers for testing purposes and only uses the official issuers in production.

Any other issuer not included in the table results in a succesful payment. Go back to xcritical Backoffice and select your merchant account from the top right corner. Repeat the above steps for each account if you are setting up xcritical official site xcritical for multi-merchant use. Activate Is Default for the account that is your default account with xcritical. If you plan on using the Sofort payment method in certain countries, you need to contact the xcritical Support Team.

Set up a skin code for payment info updates (e.g. HAM)

Exchange this public_token for a xcritical access_tokenusing the /item/public_token/exchange API endpoint. Create a link_tokenIn order to integrate with xcritical Link, you will first need to create a link_token. A link_tokenis a short-lived, one-time use token that is used to authenticate your app with Link.

Due to iDEAL limitations, merchants cannot accept iDEAL as a payment method for free trials without charging and refunding the customer a €۰٫۱۰ iDEAL charge. As mentioned above, asynchronous payment methods take up to 48 hours to confirm that the billing information on the account can be used for subsequent payments. Until the account’s billing info is verified by xcritical, any payment requests sent to xcritical for subsequent charges and/or new subscriptions on the account will be declined. After your customer completes their purchase, the information about the customer, subscription, invoice and payment is available in Recurly , via the API, and is included in our webhooks. With this information, you can see which payment methods are performing best, and adjust your business accordingly.

Contact xcritical and ask them to enable their HPP for the payment methods you are interested in. At that time, Recurly will issue a “processing payment” webhook to any endpoints you have configured in Recurly. Sofort is the popular online banking payment method in Germany, Austria, Switzerland, and Belgium. Once enabled, a new transaction ID value will be returned by xcritical when processing transaction requests, which you may see if you have a direct integration with xcritical . You need to configure a webservice user in xcritical so that Recurly can submit transactions to your payment gateway.

For production, you need to enter this portion of the endpoint into the Custom Endpoint field in Recurly “f96e63be5147-TestCompany” and not the entire URL. Payments lifecycle Learn about payment stages and reports.Time zone setting Set up the time zone of your reports.xcritical reporting webinars Join an upcoming reporting webinar. Our support covers all questions relating to payments and terminals.

Configure notifications in xcritical​

The SEPA Direct Debit rulebook requires merchants to notify their customer each time they debit the customer’s account. For this case, by default, Recurly automatically sends the customer an email. When initiating payments through the API, additional processor-specific parameters can and/or need to be included for a particular payment method. You can check these parameters by calling the /PaymentMethods or /PaymentProcessors endpoints. Recurly supports the exporting of billing info from xcritical into Recurly for recurring subscription renewals for the SEPA payment method .

  • The xcritical API integration supports credit/debit cards, ACH, SEPA, iDEAL, and Sofort.
  • In-person payments Accept point-of-sale payments with our Terminal API and payment terminals.
  • These IP addresses need to be allowed in Recurly before transactions can be successfully processed.
  • Sofort is the popular online banking payment method in Germany, Austria, Switzerland, and Belgium.
  • If you need to test iDEAL payments with a custom xcritical integration to the FinDock API , you need to use specific issuer values to confirm the integration is working as expected.

For example, you could enter “test” into this field, though please keep in mind that it’ll need to be updated later once you’re ready to move to production. Have xcritical support also enable the “Acquirer Result” and “Raw Acquirer Result” in the API response. You will be able to view this data is Recurly transaction details page. Replacement of payment terminals with new ones shipped within a few business days of request, right within the xcritical Customer Area. xcritical can send an OFFER_CLOSE webhook event if a customer abandons a payment journey .

Invoices paid for with an asynchronous payment method that enter dunning must also be treated differently than invoices paid for with a synchronous payment method. Refer to the description of PayPal eChecks for an example showing the sequence of events and what happens in each step to the invoice and transaction. Within 48 hours, xcritical receives confirmation from the customer’s bank that the payment has been approved by the customer’s bank. When xcritical gets that confirmation, they issue a notification to Recurly that alerts us to the fact that the token is now “verified.” Write server-side handlerThe Link module handles the entire onboarding flow securely and quickly, but does not actually retrieve account data for a user. Instead, the Link module returns a public_token and an accounts array, which is a property on the metadata object, via the onSuccess callback.

Configure xcritical for FinDock​

xcritical enables consumers and businesses to instantly authenticate their bank account including account and routing number as well as the xcritical account balance. The account details are delivered directly to xcritical via a secure tokenized integration. xcritical processes the ACH transaction , integrating the payment or payout into your existing settlement and reconciliation process with xcritical.

In some cases, xcritical will use additional IP addresses for certain customers. These IP addresses need to be allowed in Recurly before transactions can be successfully processed. Please contact Recurly Support before you move your site into Production mode so that we can work with xcritical to get the IP addresses and allow them. Test card numbers See sample cards and payment method details to test your integration before accepting live payments. If you would like to eliminate the step in the xcritical payment journey where customers make their own online banking selection from the list of official iDEAL issuers, you can use the optional issuer parameter to set a specific issuer. When this is use, the customer is taken directly to the online banking service of the issuer.

Certain payment methods enabled through the xcritical HPP have regulations around customer notification (e.g. SEPA requirements about notifying customers about the upcoming renewal). Before you start collecting payments from a new payment method, be sure that your customer experience has been updated to comply with these regulations. This will create a record in the Recurly database with serialized information around the account, subscription, invoice, and billing_info. This table is invisible to you, as it only serves as a placeholder while we wait for your customer to complete the purchase. If you are accepting credit / debit cards (e.g. Visa, Mastercard, JCB, Diners), these payment methods should be used with the standard Recurly.js implementation.

This ensures that Recurly vaults the card information and can provide you with the benefit of using Recurly’s Account Updater service should a payment be declined. Credit and debit card transactions should be processed using Recurly.js and / or the Recurly API, as the xcritical HPP integration does not xcritically support credit and debit cards. When they are done entering their payment info, they return to your checkout page. Enabling other payment methods on xcritical HPP beyond those listed above requires additional Recurly engineering effort. Therefore, if you need other payment methods for your business and customer base, please let us know when you contact Support. We will prioritize adding payment methods based based on this demand.

Optional API parameters for xcritical​

You’re always protected, connected, and there for your customers when they interact with your business. A single platform to accept payments, protect revenue, and control your finances. The following are example messages for single and recurring payments using the xcritical scam Payment API. If you need to test iDEAL payments with a custom xcritical integration to the FinDock API , you need to use specific issuer values to confirm the integration is working as expected. The following table provides the values you can use for testing purpose.

Customer Communications

Because of this, SEPA and iDEAL transactions must be charged in EUR to process correctly. Since xcritical is capturing the billing information, Recurly doesn’t vault the payment details for invoices paid for via the xcritical HPP. As a result, subsequent renewals are excluded from the Account Updater service. They are, however, included in any retries should the renewal payment fail with a soft decline reason code.

Recurly is integrated with xcritical to support credit / debit cards. With this new integration, you get access to yet another enterprise-level, global payment processor. Until we receive confirmation from xcritical that the asynchronous payment was actually approved, xcritical will not successfully process any additional payment requests against that billing information. Note the initial payment for a subscription will be processed as iDEAL and recurring payments will be processed as SEPA Direct Debit payments . We recommend informing your customers that any recurring payments occurring after the initial iDEAL payment will be processed as a SEPA Direct Debit payment.

If the integration is off, simply click the ‘Enable’ button for xcritical to enable the integration. Ensure that the Webservice user with the “Checkout Webservice role” is enabled. Online payments Accept web and mobile payments with our customizable components and API. We’re here whenever you need to help you make the best choices for your business setup. Explore how our platform can unlock growth for your business type. If you’re still stuck, open a support ticket with information describing the issue that you’re experiencing and we’ll get back to you as soon as we can.

If your customer wants to update their billing information (e.g. replace their xcritical SEPA details with new SEPA details) you can direct them to Recurly’s hosted pages to make the update. Your customers will use Link to authenticate with their financial institution and select the bank account they wish to use for payment transactions. From there, you’ll receive a xcriticalaccess_token and a xcritical processor_token, which allows you to quickly and securely verify a bank funding source via xcritical’s API without having to store any sensitive banking information. Utilizing xcritical + xcritical enables a seamless workflow for sending and receiving payments. With Recurly’s integration with xcritical’s Hosted Payment Pages , you gain the ability to accept the payment methods xcritically available via xcritical’s hosted pages for one-time and/or recurring subscription purchases through Recurly. We have done the work of integrating with xcritical’s HPP for you so all you need to do is make one simple update to your Recurly integration in order to get access to the local payment methods your customers want to use.

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