seQura
Beta
Last updated: February 14, 2024
seQura enables customers to pay for an online purchase in multiple installments.
Information
To enable seQura payments on your account, contact your Account Manager or [email protected].
Model | Gateway |
|---|---|
Payment flow | Redirect |
Payment method type | Buy now, pay later (BNPL) |
Authorization | |
Auto capture | |
Manual capture | Full, partial, and multiple partial captures. |
Refund | Full, partial, and multiple partial captures. |
Chargeback | |
Recurring payment |
seQura has a two-step process:
seQura offers multiple payment options, which vary based on:
- the number of installments
- the period of time over which you want your customers to pay
You can specify the payment option in the payment request's processing.product_type field:
| Payment option | Description | product_type value |
|---|---|---|
Pay Later: Invoice | The customer pays seven days after the order is shipped. |
|
Pay Later: (PP5) | The customer is redirected to a seQura page, where they can select the exact date they will pay for the order in full. They can select any date between 30 to 45 days after shipping. |
|
Pay Later: Campaign Invoice | Seasonal campaigns function in a similar way to the Pay Later: Invoice payment option. The difference is that you must specify the product (PP5) and campaign when you fetch the identification form. | |
Pay in 3 (SP1) | The customer pays for the order in three installments, with no additional interest applied. |
|
Pay in installment (PP3) | The customer is redirected to a seQura page, where they can select the number of monthly installments over which they'll pay for the order. They can select any range between 3 and 24 monthly installments. If the customer chooses to pay in 4 or more installments, a small interest fee is applied. |
|
Flexi | The Flexi option functions in a similar way to the Pay in installment payment option. The difference is that the maximum number of monthly installments is determined by the contract you hold with seQura. This payment option allows you to offer the Pay in 3 and other monthly installment options within the same widget. |
You can offer your customers any number of these payment options on the checkout page.
Each option must be provided as a separate checkout button linked to a unique payment request with its own processing.product_type value.
For the full API specification, see the API reference.
Information
If you're shipping a physical item as part of the customer order, you must set the corresponding item's item[n].type value to physical in the payment request.
post
https://api.checkout.com/payments
If you receive a 202 Accepted response with a payment id and a status field set to Pending, your request was successful.
Redirect your customer to the URL in the response's _links.redirect.href field. This will allow the customer to authorize the payment, before they are transferred to your predefined success or failure URL.
To apply a discount to a specific item, specify an amount in the request's items[].discount_amount field.
To apply a discount to an entire order, specify an amount in the request's processing.discount_amount field. This amount must include the total of all items[].discount_amount values, as well as any discounts applied to the entire order.
You can apply discounts when you:
- request a payment
- capture a payment
- refund a payment
You can retrieve details about an existing seQura payment with the following endpoint.
For the full API specification, see the API reference.
get
https://api.checkout.com/payments/{id}
If you set capture to true in your payment request, we'll automatically authorize and capture the payment.
If you set capture to false in your payment request, we'll only authorize the payment. You'll need to manually capture the payment once you've shipped the items.
To perform a partial capture, include the amount and items objects when you perform your capture request.
post
https://api.checkout.com/payments/{id}/captures
seQura supports both full and partial refunds. You can refund a payment through the Dashboard or using the Refund API.
post
https://api.checkout.com/payments/{id}/refunds
Once a payment is created, you cannot void it. To void a payment in progress, wait for the payment_captured webhook, and then process a refund instead.
Communicating this to your end customer in advance may help you to avoid chargebacks.
If the customer cancels or fails to complete their payment, we'll send a payment_expired webhook.
When you process payments with seQura, we'll send the following webhooks throughout the payment lifecycle:
| Webhook | Description |
|---|---|
| Sent when a payment request has been successfully initiated. |
| Sent when a payment request has expired. |
| Sent when a payment request has been rejected. |
| Sent when the payment has been successfully captured. |
| Sent when the payment has been (fully or partially) refunded. |
| Sent when a refund has been declined. |
Information
Refer to our webhook events documentation for examples of each webhook.
To start testing, you'll need to contact your Account Manager or Implementation Engineer to activate seQura payments in the sandbox environment.
- Request a seQura payment using the example. You can request to auto-capture or manually capture the payment.
- Open the URL returned in the response's
_links.redirect.hreffield in your browser. This will take you to the seQura website to authorize the payment. - Fill in the form fields with the following details:
- Fecha de nacimiento (date of birth): Any valid date signifying that the customer is at least 18 years old
- DNI/NIE (personal identification number): 66706324E
- Teléfono móvil (phone number): +34 666 666 666
- Accept the terms of usage and select Siguiente to continue to the next payment step.
- In the security form that asks for the last five digits of the phone number, enter 66666.
- When prompted for payment details, enter the following card information:
- Card number: 4716773077339777
- Expiry: 12/30
- CVV: 123
- In the 3D Secure authentication form, enter Checkout1! to authenticate the payment.
If the test payment was successful, you'll be redirected to the success URL you specified in the payment request.