mobicred

Introduction

Mobicred Logo

mobicred is one of South Africa’s most popular alternative payment methods. mobicred is a simple and convenient credit facility that allows consumers to safely shop online at all retail partners that offer the mobicred payment option.

Consumers do not require a credit card to purchase online. Instead, South African consumers apply online with mobicred and upon approval are supplied with a mobicred account with a credit limit that can be used online at over 300 participating retailers in South Africa.

General Information

Payment Mode, Countries and Currencies

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

Payment Mode

Wallet

Countries

South Africa

Currencies

ZAR

Communication Formats

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

Requests/Responses

Format

XML, NVP

Methods

POST, GET

IPN Encodement

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

Transaction Types

For transaction type details which are not given here, look at Appendix B: Transaction Types.

Transaction Type Link to the Sample

check-signature

get-url

get-url sample

debit

debit sample

Test Credentials

URLs (Endpoints)

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

Merchant Account ID (MAID)

Please contact Merchant Support for complete test credentials.

Username

Please contact Merchant Support for complete test credentials.

Password

Please contact Merchant Support for complete test credentials.

Secret Key (for usage with HPP)

Please contact Merchant Support for complete test credentials.

On mobicred Environment

Username

MyGate_test

Password

TestS3cureMyGate

Fields

The fields used for mobicred requests, responses and notifications are the same as the REST API Fields.

Samples

REST API
get-url
XML get-url Request (Successful)
<?xml version="1.0" encoding="UTF-8"?>
<payment xmlns="http://www.elastic-payments.com/schema/payment">
    <merchant-account-id>8ab4479d-0455-44d6-b2ce-55c5fe360de6</merchant-account-id>
    <request-id>{{$guid}}</request-id>
    <transaction-type>get-url</transaction-type>
    <requested-amount currency="ZAR">10.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>tech.pdi-gw@wirecard.com</email>
        <phone>+1(1)4161234567</phone>
        <address>
            <street1>353 Red Spring</street1>
            <street2>942 Dusty Crescent</street2>
            <city>Brantford</city>
            <state>ON</state>
            <country>CA</country>
            <postal-code>M4P1E8</postal-code>
        </address>
    </account-holder>
    <payment-methods>
        <payment-method name="mobicred"/>
    </payment-methods>
    <ip-address>127.0.0.1</ip-address>
</payment>
XML get-url 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>8ab4479d-0455-44d6-b2ce-55c5fe360de6</merchant-account-id>
    <transaction-id>77a706aa-619c-4bd2-b300-0aac009431dd</transaction-id>
    <request-id>3e536f81-5a24-4fa5-9e61-15e8cb59ece8</request-id>
    <transaction-type>get-url</transaction-type>
    <transaction-state>success</transaction-state>
    <completion-time-stamp>2019-02-05T14:28:37.000Z</completion-time-stamp>
    <statuses>
        <status code="201.0000" description="The resource was successfully created." severity="information"/>
    </statuses>
    <requested-amount currency="ZAR">10.01</requested-amount>
    <account-holder>
        <first-name>John</first-name>
        <last-name>Doe</last-name>
        <email>tech.pdi-gw@wirecard.com</email>
        <phone>+1(1)4161234567</phone>
        <address>
            <street1>353 Red Spring</street1>
            <street2>942 Dusty Crescent</street2>
            <city>Brantford</city>
            <state>ON</state>
            <country>CA</country>
            <postal-code>M4P1E8</postal-code>
        </address>
    </account-holder>
    <ip-address>127.0.0.1</ip-address>
    <payment-methods>
        <payment-method url="https://virtual.mygateglobal.com/PaymentPage.cfm?MerchantReference=3e536f81-5a24-4fa5-9e61-15e8cb59ece8&amp;Mode=0&amp;Amount=10.01&amp;Display_Price=10.01&amp;OrderRef=&amp;OrderDescription=&amp;MerchantID=BAAB2819-7286-49D3-8AD3-1212B3B40C2A&amp;DisplayCurrencyCode=ZAR&amp;RedirectSuccessfulURL=https%3A%2F%2Fdev.thesolution.com%2Fengine%2Fnotification%2Fmygate-virtual%2Fredirect%2F77a706aa-619c-4bd2-b300-0aac009431dd&amp;VARIABLE=77a706aa-619c-4bd2-b300-0aac009431dd&amp;Currency=ZAR&amp;ApplicationID=76B2B901-98A8-45FF-9F1E-17A829A73F6C&amp;RedirectFailedURL=https%3A%2F%2Fdev.thesolution.com%2Fengine%2Fnotification%2Fmygate-virtual%2Fredirect%2F77a706aa-619c-4bd2-b300-0aac009431dd&amp;IPAddress=127.0.0.1&amp;" name="mobicred"/>
    </payment-methods>
</payment>
See IPN Notification Examples, for corresponding notification samples.
Hosted Payment Page
debit
This request opens the Hosted Payment Page.
NVP debit Request (Successful)
requested_amount=10.01&requested_amount_currency=ZAR&locale=en&order_number=123456&order_detail=1+widget&form_url=http%3A%2F%2F10.0.0.114%3A8080%2Fengine%2Fhpp%2F&secret_key=96f2b343-0c50-4fbe-bbdc-56516c08c466&request_id=0a74b12a-4b10-dec2-45ba-ab5625c50a7f&request_time_stamp=20180208212432&merchant_account_id=8ab4479d-0455-44d6-b2ce-55c5fe360de6&payment_method=mobicred&transaction_type=debit&redirect_url=http%3A%2F%2F10.0.0.114%3A8080%2Fshop%2Fcomplete.jsp%3Fstate%3Dsuccess%26&ip_address=127.0.0.1&request_signature=eb5ce5250a03869a63faa8ef5f45177b28377820492ec9e7a5f14ceaf39db436&psp_name=demo&attempt_three_d=false&descriptor=&notification_url=&notification_transaction_state=&success_redirect_url=http%3A%2F%2F10.0.0.114%3A8080%2Fshop%2Fcomplete.jsp%3Fstate%3Dsuccess%26&fail_redirect_url=http%3A%2F%2F10.0.0.114%3A8080%2Fshop%2Fcomplete.jsp%3Fstate%3Dfailed%26&cancel_redirect_url=http%3A%2F%2F10.0.0.114%3A8080%2Fshop%2Fcomplete.jsp%3Fstate%3Dcancel%26&processing_redirect_url=http%3A%2F%2F10.0.0.114%3A8080%2Fshop%2Fcomplete.jsp%3Fstate%3Dprocessing%26&first_name=John&last_name=Doe&email=john.doe%40wirecard.com&phone=1+555+555+5555&street1=123+test&street2=&city=Toronto&state=ON&postal_code=M4P1E8&country=CA
NVP debit Response (Successful)
psp_name=demo&country=CA&custom_css_url=&merchant_account_resolver_category=&response_signature=bcb1eb84387fad40d9c719eaf64600c3f329ba90694a57ab9cd604115ecb9f4d&city=Toronto&group_transaction_id=&provider_status_code_1=&response_signature_v2=SFMyNTYKdHJhbnNhY3Rpb25faWQ9ZGY5MTZiMzctMjRlMy00ZDAzLWJiM2EtMmNkODk5MDc0Y2Q1CmNvbXBsZXRpb25fdGltZXN0YW1wPTIwMTgwMjA4MTU0NDExCm1hc2tlZF9hY2NvdW50X251bWJlcj0KdG9rZW5faWQ9CmF1dGhvcml6YXRpb25fY29kZT0KbWVyY2hhbnRfYWNjb3VudF9pZD1iMGZjODkwZS04ZDI2LTQwZDQtOTdiMy1mZDE3Mjk1NWJmYjIKdHJhbnNhY3Rpb25fc3RhdGU9c3VjY2VzcwppcF9hZGRyZXNzPTEyNy4wLjAuMQp0cmFuc2FjdGlvbl90eXBlPWRlYml0CnJlcXVlc3RfaWQ9NGRiYzQwOGUtZGZlZi1hZjllLTNkYjgtMmZkNWEyYTEyNzMzCg%3D%3D.bIyMOj7jmGgoGBcIxKK7iv65S%2BrEazk79QYVP71wY1Y%3D&locale=en&requested_amount=10.010000&completion_time_stamp=20180208154411&provider_status_description_1=&authorization_code=&merchant_account_id=8ab4479d-0455-44d6-b2ce-55c5fe360de6&provider_transaction_reference_id=&street1=123+test&state=ON&first_name=John&email=john.doe%40wirecard.com&transaction_id=df916b37-24e3-4d03-bb3a-2cd899074cd5&provider_transaction_id_1=79d3c13f-63df-447c-a5de-ba1278c70b27&status_severity_1=information&last_name=Doe&ip_address=127.0.0.1&transaction_type=debit&status_code_1=201.0000&status_description_1=The+resource+was+successfully+created.&phone=1+555+555+5555&transaction_state=success&requested_amount_currency=ZAR&postal_code=M4P1E8&request_id=4dbc408e-dfef-af9e-3db8-2fd5a2a12733
NVP debit Notification (Successful)
country=CA&merchant_account_resolver_category=&response_signature=dfcae9d24e25cb2d92262984af65d86b8b878ef1508dc9f4c871ed5db47a1539&city=Toronto&group_transaction_id=&provider_status_code_1=&response_signature_v2=SFMyNTYKdHJhbnNhY3Rpb25faWQ9Y2RjNWY5NTUtMzc0OS00MWZmLWFhYWUtMGU5NTU4OTM2ZWVmCmNvbXBsZXRpb25fdGltZXN0YW1wPTIwMTgwMjA4MTkyMjU2Cm1hc2tlZF9hY2NvdW50X251bWJlcj0KdG9rZW5faWQ9CmF1dGhvcml6YXRpb25fY29kZT0KbWVyY2hhbnRfYWNjb3VudF9pZD1iMGZjODkwZS04ZDI2LTQwZDQtOTdiMy1mZDE3Mjk1NWJmYjIKdHJhbnNhY3Rpb25fc3RhdGU9c3VjY2VzcwppcF9hZGRyZXNzPTEyNy4wLjAuMQp0cmFuc2FjdGlvbl90eXBlPWRlYml0CnJlcXVlc3RfaWQ9MWE1MWM4NzctYmE0ZS1iZDVhLWEwNmEtMjMwNTFjOTU3NWZhCg%3D%3D.C8xEaujfme0HomBkVWGVd1TU4%2FO3WRMnBuMykWFcN%2BI%3D&locale=en&requested_amount=10.010000&completion_time_stamp=20180208192256&provider_status_description_1=&authorization_code=&merchant_account_id=8ab4479d-0455-44d6-b2ce-55c5fe360de6&provider_transaction_reference_id=&street1=123+test&state=ON&first_name=John&email=john.doe%40wirecard.com&transaction_id=cdc5f955-3749-41ff-aaae-0e9558936eef&provider_transaction_id_1=6110ed11-8477-4d78-a50e-1f021c33ddbb&status_severity_1=information&last_name=Doe&ip_address=127.0.0.1&transaction_type=debit&status_code_1=201.0000&status_description_1=mygate-virtual%3AThe+resource+was+successfully+created.&phone=1+555+555+5555&transaction_state=success&requested_amount_currency=ZAR&postal_code=M4P1E8&request_id=1a51c877-ba4e-bd5a-a06a-23051c9575fa&
NVP debit Response (Failure)
psp_name=demo&country=CA&custom_css_url=&merchant_account_resolver_category=&response_signature=11f54b912f4ae33a53b4572dfdb9e3f77dc4e849a770b1561f15c2fc233986b3&city=Toronto&group_transaction_id=&provider_status_code_1=&response_signature_v2=SFMyNTYKdHJhbnNhY3Rpb25faWQ9MDQ0OGZkZjMtZjk2ZS00NjA2LWE5ZDAtMTM4OTljNzhmY2ZmCmNvbXBsZXRpb25fdGltZXN0YW1wPTIwMTgwMjA4MTU1MDEwCm1hc2tlZF9hY2NvdW50X251bWJlcj0KdG9rZW5faWQ9CmF1dGhvcml6YXRpb25fY29kZT0KbWVyY2hhbnRfYWNjb3VudF9pZD1iMGZjODkwZS04ZDI2LTQwZDQtOTdiMy1mZDE3Mjk1NWJmYjIKdHJhbnNhY3Rpb25fc3RhdGU9ZmFpbGVkCmlwX2FkZHJlc3M9MTI3LjAuMC4xCnRyYW5zYWN0aW9uX3R5cGU9ZGViaXQKcmVxdWVzdF9pZD0wODBiODE0ZC1mYTRmLWI5N2EtNTUyMi0yNjVkOWJkOWQ2ZjkK.kTTuVVwMDWfvndjt3R%2FPxOk22X%2FGCnj3hrJuQXrJfAI%3D&locale=en&requested_amount=10.010000&completion_time_stamp=20180208155010&provider_status_description_1=&authorization_code=&merchant_account_id=8ab4479d-0455-44d6-b2ce-55c5fe360de6&provider_transaction_reference_id=&street1=123+test&state=ON&first_name=John&email=john.doe%40wirecard.com&transaction_id=0448fdf3-f96e-4606-a9d0-13899c78fcff&provider_transaction_id_1=NA&status_severity_1=error&last_name=Doe&ip_address=127.0.0.1&transaction_type=debit&status_code_1=500.1050&status_description_1=Provider+had+a+system+error.++Please+try+again+later.&phone=1+555+555+5555&transaction_state=failed&requested_amount_currency=ZAR&postal_code=M4P1E8&request_id=080b814d-fa4f-b97a-5522-265d9bd9d6f9
NVP Notification (Failure)
country=CA&merchant_account_resolver_category=&response_signature=11f54b912f4ae33a53b4572dfdb9e3f77dc4e849a770b1561f15c2fc233986b3&city=Toronto&group_transaction_id=&provider_status_code_1=&response_signature_v2=SFMyNTYKdHJhbnNhY3Rpb25faWQ9MDQ0OGZkZjMtZjk2ZS00NjA2LWE5ZDAtMTM4OTljNzhmY2ZmCmNvbXBsZXRpb25fdGltZXN0YW1wPTIwMTgwMjA4MTU1MDEwCm1hc2tlZF9hY2NvdW50X251bWJlcj0KdG9rZW5faWQ9CmF1dGhvcml6YXRpb25fY29kZT0KbWVyY2hhbnRfYWNjb3VudF9pZD1iMGZjODkwZS04ZDI2LTQwZDQtOTdiMy1mZDE3Mjk1NWJmYjIKdHJhbnNhY3Rpb25fc3RhdGU9ZmFpbGVkCmlwX2FkZHJlc3M9MTI3LjAuMC4xCnRyYW5zYWN0aW9uX3R5cGU9ZGViaXQKcmVxdWVzdF9pZD0wODBiODE0ZC1mYTRmLWI5N2EtNTUyMi0yNjVkOWJkOWQ2ZjkK.kTTuVVwMDWfvndjt3R%2FPxOk22X%2FGCnj3hrJuQXrJfAI%3D&locale=en&requested_amount=10.010000&completion_time_stamp=20180208155010&provider_status_description_1=&authorization_code=&merchant_account_id=8ab4479d-0455-44d6-b2ce-55c5fe360de6&provider_transaction_reference_id=&street1=123+test&state=ON&first_name=John&email=john.doe%40wirecard.com&transaction_id=cdc5f955-3749-41ff-aaae-0e9558936eef&provider_transaction_id_1=6110ed11-8477-4d78-a50e-1f021c33ddbb&status_severity_1=information&last_name=Doe&ip_address=127.0.0.1&transaction_type=debit&status_code_1=500.2101&status_description_1=mygate-virtual%3AThe+service+provider+declined+the+transaction.&phone=1+555+555+5555&transaction_state=failed&requested_amount_currency=ZAR&postal_code=M4P1E8&request_id=1a51c877-ba4e-bd5a-a06a-23051c9575fa&
Custom URL: