Paylib

Introduction

Paylib Logo

Paylib is a French mobile wallet initiated by a collaboration of major French banks. By linking a credit card to their account, Paylib allows consumers to make purchases without having to re-enter their card details. To pay, consumers have to enter their username, password and a code generated by the Paylib app.

General Information

Payment Mode, Countries and Currencies

This table illustrates which payment mode Paylib belongs to. It also provides detailed information about the countries and currencies which are relevant for Paylib.

Payment Mode

Wallet

Countries

France

Currencies

EUR

Communication Formats

This table illustrates how Paylib notifications are encoded and which formats and methods can be used for requests and responses.

Requests/Responses

Format

XML

Methods

POST

IPN Encodement

Please follow the instructions given at Instant Payment Notification to set up IPN.

Transaction Types

Every successful Paylib payment request results in two distinct transactions in the database:

  1. one for the Paylib wallet,

  2. one for Credit Card.

Paylib Credit Card Link to the Sample

debit

AND

purchase

See samples.

Test Credentials

URLs (Endpoints)

For transaction type debit.

https://api-test.wirecard.com/engine/rest/payments/

Merchant Account ID (MAID)

d79cbe98-cb2c-4882-a16e-47eaeb99ad44

Username

70000-APITEST-AP

Password

qD2wzQ_hrc!8

Secret Key

04ee80a3-a2db-4963-a3ea-07b6daadd093

Additional Test Credentials on Paylib Environment

Username

psp-wirecard@wl.net

Password

password

When using Postman for testing, you must disable SSL certificate verification:

  1. Select File/Settings/General.

  2. Set SSL certificate verification to OFF.

Workflow

debit

REST API: Standard Checkout

Paylib Workflow debit
  1. The consumer adds items to the shopping basket.

  2. The consumer selects the payment method Paylib.

  3. The merchant initiates a debit transaction.

  4. Wirecard Payment Gateway sends a response to the merchant containing the redirect URL and payload information for authentication in Paylib.

  5. The merchant submits a POST form containing payload information to the redirect URL and redirects the consumer to Paylib.

  6. The consumer enters their Paylib credentials, selects the preferred card and confirms the payment.

  7. Wirecard Payment Gateway receives the card information.

  8. Wirecard Payment Gateway processes the transaction with the merchant’s acquirer.

  9. Wirecard Payment Gateway receives the transaction status.

  10. Wirecard Payment Gateway sends the transaction status to the merchant and redirects the consumer to the merchant.

  11. The merchant receives the transaction status and displays the completion of the payment process to the consumer.

  12. Wirecard Payment Gateway sends the Paylib debit notification to the merchant.

  13. Wirecard Payment Gateway sends the Credit Card purchase notification to the merchant.

Currently, the test environment does not offer polling for the final transaction status. A status check needs to be integrated on the merchant side.

Fields

The following elements are elements with differeing cardinality from the REST API Fields and mandatory (M), optional (O) or conditional (C) for sending a request/response for the payment method Paylib.

debit fields
Field Request Response Notification Data Type Size Description
merchant-account-id

M

M

M

String

36

The unique identifier for a merchant account.

transaction-id

M

M

String

36

The transaction-ID is the unique identifier for a transaction. It is generated by the Wirecard Payment Gateway.

request-id

M

M

M

String

36

This is the unique identifier for the request. Every single request MUST be unique.

transaction-type

M

M

M

String

22

Determines a transaction’s behavior during transaction processing and merchant settlement. Must be debit.

payment-methods/payment-method[@name]

M

M

M

String

9

The name of the payment method is Paylib.

payment-methods/payment-method[@url]

C

String

Only if transaction-state is success.+ Paylib URL where the consumer is redirected to in order to confirm the payment.+ This is the URL where the merchant has to send the POST form with data specified in payment-methods/payment-method/payload to.

payment-methods/payment-method/payload/payload-field[@field-name]

C

String

Only if transaction-state is success.
This is the input field name of the form that the merchant has to submit to the Paylib URL (payment-methods/payment-method[@url]).

payment-methods/payment-method/payload/payload-field[@field-value]

C

String

Only if transaction-state is success.
This is the input field value of the form that the merchant has to submit to the Paylib URL (payment-methods/payment-method[@url]).

requested-amount

M

M

M

Decimal

18,2

This is the amount of the transaction.
The amount of the decimal place depends on the currency. Minimum is 0.01.

requested-amount[@currency]

M

M

M

String

3

This is the currency in which a transaction is received and processed.

account-holder/first-name

O

O

O

String

This is the first name of the consumer.

account-holder/last-name

O

O

O

String

This is the last name of the consumer.

account-holder/email

O

O

O

String

This is the consumer’s email-address.

card-token/token-id

M

String

36

This is the token corresponding to "card/account-number" of a consumer. It is mandatory if "card/account-number" is not specified. It is unique on the instance of EE.

card-token/masked-account-number

M

String

36

This is the masked version of "card/account-number" of a consumer. E.g. 440804******7893

descriptor

M

String

64

Description on the settlement of the account holder’s account about a transaction. The following characters are allowed: 0-9, a-z, A-Z.

api-id

O

O

O

String

A unique identifier assigned for every API.

processing-redirect-url

O

O

C

String

256

The URL a consumer is redirected to after he has fulfilled his payment. This is normally a page on the merchant’s website.

success-redirect-url

O

O

C

String

256

The URL a consumer is redirected to after a successful payment. This is normally a success-confirmation page on the merchant’s website.

cancel-redirect-url

O

O

C

String

256

The URL a consumer is redirected to after he has canceled a payment. This is normally a page on the merchant’s website.

fail-redirect-url

O

O

C

String

256

The URL a consumer will be redirected to after a failed payment. This is normally a failure-confirmation page on the merchant’s website.

notifications/notification[@url]

O

O

O

String

256

The URL to be used for the IPN. It overwrites the notification URL that is set up in the merchant configuration.

custom-fields/custom-field[@field-name]

M

String

36

This is the name of the custom field.

custom-fields/custom-field[@field-value]

M

String

256

This is the content of the custom field. With this field the merchant can send additional information.

authorization-code

C

String

36

Output for authorization.

transaction-state

M

M

String

7

This is the status of the transaction. Should be success or failed.

statuses/status[@code]

M

M

String

This is the code of the status of a transaction (e.g. 201.0000).

statuses/status[@description]

M

M

String

This is the description of the status code of a transaction.

statuses/status[@severity]

M

M

String

Transaction status severity. Should be information for successful transactions, error for failed ones.

completion-time-stamp

M

M

Date time

This is the time-stamp of the get-urltransaction.

provider-transaction-reference-id

O

String

Transaction ID ofprovider.

parent-transaction-id

M

String

36

Parent transaction ID (in this case of the get-urltransaction).

signature

O

String

Standard enveloped XML signature according to XSD http://www.w3.org/2000/09/xmldsig

Samples

debit
XML Debit Request (Successful)
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>d79cbe98-cb2c-4882-a16e-47eaeb99ad44</merchant-account-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>debit</transaction-type>
    <payment-methods>
        <payment-method name="paylib" />
    </payment-methods>
    <requested-amount currency="EUR">1</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@email.com</email>
    </account-holder>
</payment>
XML Debit Response (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
    <merchant-account-id>d79cbe98-cb2c-4882-a16e-47eaeb99ad44</merchant-account-id>
    <transaction-id>40709893-46da-42c1-80d9-97ce1e7ea356</transaction-id>
    <request-id>113df6ef-4096-44f5-ab3d-d68735a06dfc</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-03-26T09:41:21.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@email.com</email>
    </account-holder>
    <payment-methods>
        <payment-method url="https://ssl-liv-paycore.ewallet.aw.atos.net/interbank-pay-core/payment/register.do" name="paylib">
            <payload>
                <payload-field field-name="MSEReq" field-value="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"/>
                <payload-field field-name="returnURL" field-value="https://api-test.wirecard.com:443/engine/notification/paylib?payment.transaction-id=40709893-46da-42c1-80d9-97ce1e7ea356&amp;payment.transaction-type=debit"/>
                <payload-field field-name="internalContext" field-value=""/>
            </payload>
        </payment-method>
    </payment-methods>
</payment>
XML Debit Notification (Successful)
<?xml version="1.0" encoding="UTF-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
    <merchant-account-id>d79cbe98-cb2c-4882-a16e-47eaeb99ad44</merchant-account-id>
    <transaction-id>14a6aa34-1551-412c-9f19-68dbfeb02130</transaction-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>debit</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-02-19T14:29:51.000+01:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="paylib:The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1.000000</requested-amount>
    <parent-transaction-id>c651ffd1-38e3-466b-aa0d-53f0827539bf</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@email.com</email>
    </account-holder>
    <card-token>
        <token-id>4798462076841111</token-id>
        <masked-account-number>444433******1111</masked-account-number>
    </card-token>
    <descriptor>mda</descriptor>
    <custom-fields>
        <custom-field field-name="provider.response.additional-authentication-reason-code" field-value="01"/>
        <custom-field field-name="provider.response.cryptogram-algorithm" field-value="1"/>
        <custom-field field-name="provider.name" field-value="paylib"/>
        <custom-field field-name="provider.response.additional-authentication-method" field-value="01"/>
        <custom-field field-name="provider.response.additional-authentication-reason-code" field-value="01"/>
        <custom-field field-name="provider.response.cryptogram-algorithm" field-value="1"/>
        <custom-field field-name="provider.name" field-value="paylib"/>
        <custom-field field-name="provider.response.additional-authentication-method" field-value="01"/>
    </custom-fields>
    <payment-methods>
        <payment-method name="paylib"/>
    </payment-methods>
    <authorization-code>153620</authorization-code>
    <processing-redirect-url>https://sandbox-engine.thesolution.com/shop/processing.html</processing-redirect-url>
    <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
    <fail-redirect-url>https://sandbox-engine.thesolution.com/shop/error.html</fail-redirect-url>
    <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
    <Signature xmlns="http://www.w3.org/2000/09/xmldsig#">
        <SignedInfo>
            <CanonicalizationMethod Algorithm="http://www.w3.org/TR/2001/REC-xml-c14n-20010315"/>
            <SignatureMethod Algorithm="http://www.w3.org/2001/04/xmldsig-more#rsa-sha256"/>
            <Reference URI="">
                <Transforms>
                    <Transform Algorithm="http://www.w3.org/2000/09/xmldsig#enveloped-signature"/>
                </Transforms>
                <DigestMethod Algorithm="http://www.w3.org/2001/04/xmlenc#sha256"/>
                <DigestValue>36iWVcv+bN2hI+RuI8jIcuGcGm/+L0kKzxhRqY8KJxA=</DigestValue>
            </Reference>
        </SignedInfo>
        <SignatureValue>tZbpvmOfw9yxYTeBLL+m9Q4K6uBnZ002uFyUnY7nUmNjPWs3gKxoWbDDOv8ukQKFok8oY1YXm/Lu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=</SignatureValue>
        <KeyInfo>
            <X509Data>
                <X509SubjectName>L=Ascheim,CN=engine.wirecard.sys,OU=Operations,O=Wirecard Technologies GmbH,C=DE</X509SubjectName>
                <X509Certificate>MIIF0DCCBLigAwIBAgICK8EwDQYJKoZIhvcNAQELBQAwWzELMAkGA1UEBhMCREUxETAPBgNVBAoT
CFdpcmVjYXJkMTkwNwYDVQQDFDB3aXJlY2FyZC1EUS1NVUMtaW50ZXJuYWwtd2Vic2VydmljZS1p
c3N1aW5nQ0FfMDIwHhcNMTYwNTIwMDc1MDI0WhcNMTgwNTIwMDc1MDI0WjB3MQswCQYDVQQGEwJE
RTEjMCEGA1UEChMaV2lyZWNhcmQgVGVjaG5vbG9naWVzIEdtYkgxEzARBgNVBAsTCk9wZXJhdGlv
bnMxHDAaBgNVBAMTE2VuZ2luZS53aXJlY2FyZC5zeXMxEDAOBgNVBAcTB0FzY2hlaW0wggIiMA0G
CSqGSIb3DQEBAQUAA4ICDwAwggIKAoICAQDyqm9WQZish8wxW5WOB0m/kunHIcOC5DC8aEk55S4u
f9hRi16+Fkg1y626GC//0eXVle+leUhF/e9e4wfqt/2wVNwkjhy2ww5uT2ZqojzvGyCAjnyDIr4C
6+6Ezz9FZ1h2lNsbNRuKSoahTdycGAqduj5xjpiuNAnmh1EAZEYWSmR/QvY+PTV6+ltZAl5WlVCm
THuBUqvMUEOfMew5B7iA1BDUZ508l76cfTKHOu15kqA5ajxaAC/DeawCPSCdsdOTsWSVbKvn5FM8
VK29Ah699XWi85sG5uniklhyDKuaHPplrL7+9eA1XaFSsaOc+obDRe2lus8YmIUMvaSsDfglZOGq
8VLrDIXo2i4WC2AiNFtLNC/bndxrrYRd2+Rb5VviNblcQu1pfWTDd2SWKtyegg558UAAAgM2kJ4E
UujCKp2t9EOELJZ2yHABTIySkuCkeLJfpqL6bGQJEZlzgtEE6hS1ywPjPMNg2F1BKGNH79KK8Gve
hWYDX4VfKoTROVHqc5ODxWGBoZ+mxHWiwLZ96KBniMBnoTuXTi5op7/0sW8F8ykd9kE6yH2d8YQM
TQ6PAY4DG6KpsC0J2zE4P+iGfDeMnoud9Zws24ogf/mTag13URkYpYKpAglwuSHcciZgfGXSrmne
+MspKbO24Ny0wZP3suY9ssNfyLooSlMfXwIDAQABo4IBgDCCAXwwEQYDVR0OBAoECEDpj0A8MIh/
MBMGA1UdIwQMMAqACENsHhbUPQUOMAsGA1UdDwQEAwIE8DCCAUMGA1UdHwSCATowggE2MIIBMqCC
AS6gggEqhoHVbGRhcDovL3dpcmVjYXJkLmxhbi9DTj13aXJlY2FyZC1EUS1NVUMtaW50ZXJuYWwt
d2Vic2VydmljZS1pc3N1aW5nQ0FfMDIsQ049Q0RQLENOPVB1YmxpYyBLZXkgU2VydmljZXMsQ049
U2VydmljZXMsQ049Q29uZmlndXJhdGlvbixkYz13aXJlY2FyZCxkYz1sYW4/Y2VydGlmaWNhdGVS
ZXZvY2F0aW9uTGlzdD9iYXNlP29iamVjdENsYXNzPUNSTERpc3RyaWJ1dGlvblBvaW50hlBodHRw
Oi8vY3JsLndpcmVjYXJkLmxhbi9DUkxfd2lyZWNhcmQtRFEtTVVDLWludGVybmFsLXdlYnNlcnZp
Y2UtaXNzdWluZ0NBXzAyLmNybDANBgkqhkiG9w0BAQsFAAOCAQEAmCbqd802pphK0hwKDcQ4mctQ
k1tXXS38+016QDOh/uJTzmG5WqFZfoXZ8GYwMl5zjE6g+ciuVv3q393gLLZdZrUHEOKS1xj8xWjU
Qd4uNDJPXY1RamPBDptahn6/AIR89UFDaN37L3fI7EfLqTHpbD92ZGVssmt/0cjd9ekNGN66dEJB
0YGBZTVEALhwYF1KtcxiLo2b1KnbmKLgnldF6RwP6p93fpO29mQxw4ePU2/+GyWmYW053ObAYqMV
NelLc2Fj4W82El2Gbw/rFBiNM9qBpYS8YkMwsmTr0m49AsI2H401KBwfR4Ci1zUXfZjWchIZjjEV
eIR7gMTOl+/Cog==</X509Certificate>
            </X509Data>
        </KeyInfo>
    </Signature>
</payment>
XML Purchase Notification (Successful)
<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment" xmlns:ns2="http://www.elastic-payments.com/schema/epa/transaction">
    <merchant-account-id>d79cbe98-cb2c-4882-a16e-47eaeb99ad44</merchant-account-id>
    <transaction-id>c651ffd1-38e3-466b-aa0d-53f0827539bf</transaction-id>
    <request-id>41e593c8-f2ec-44ca-825d-d5a6bdb60777-purchase</request-id>
    <transaction-type>purchase</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-02-19T14:29:51.000+01:00</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="3d-acquirer:The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="EUR">1</requested-amount>
    <parent-transaction-id>1e943abb-3945-4590-9d94-e9dea997a599</parent-transaction-id>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>john.doe@email.com</email>
    </account-holder>
    <card-token>
        <token-id>4798462076841111</token-id>
        <masked-account-number>444433******1111</masked-account-number>
    </card-token>
    <descriptor>mda</descriptor>
    <custom-fields>
        <custom-field field-name="provider.response.additional-authentication-reason-code" field-value="01"/>
        <custom-field field-name="provider.response.cryptogram-algorithm" field-value="1"/>
        <custom-field field-name="provider.name" field-value="paylib"/>
        <custom-field field-name="provider.response.additional-authentication-method" field-value="01"/>
    </custom-fields>
    <payment-methods>
        <payment-method name="creditcard"/>
    </payment-methods>
    <parent-transaction-amount currency="EUR">1.000000</parent-transaction-amount>
    <authorization-code>153620</authorization-code>
    <processing-redirect-url>https://sandbox-engine.thesolution.com/shop/processing.html</processing-redirect-url>
    <cancel-redirect-url>https://sandbox-engine.thesolution.com/shop/cancel.html</cancel-redirect-url>
    <fail-redirect-url>https://sandbox-engine.thesolution.com/shop/error.html</fail-redirect-url>
    <success-redirect-url>https://sandbox-engine.thesolution.com/shop/success.html</success-redirect-url>
    <provider-transaction-reference-id>4a22c312-0526-4c5b-b3a4-aa7b1ef08f17</provider-transaction-reference-id>
    <provider-account-id>0000003168FB4BEC</provider-account-id>
</payment>
POST form containing payload information
<!DOCTYPE html>
<html>
    <body>
        <form name="sendMSERes" action="https://ssl-liv-paycore.ewallet.aw.atos.net/interbank-pay-core/payment/register.do" method="POST">
            <input type="hidden" name="MSEReq" value="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">
            <input type="hidden" name="returnURL" value="https://api-test.wirecard.com:443/engine/notification/paylib?payment.transaction-id=40709893-46da-42c1-80d9-97ce1e7ea356&amp;payment.transaction-type=debit">
            <input type="hidden" name="internalContext" value="wirecard">
        </form>
        <script>document.sendMSERes.submit();</script>
    </body>
</html>
Use the form parameters MSEReq and returnURL from the debit response.
Custom URL: