PayEx Developer Portal - ../credit-account

Integrate to PayEx Credit Account API

Accounts

Request

GET /ledger/credit-account/v1/XXX/accounts HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

If the authorization post succeeds, or if a get method is performed to retrieve an existing authorization, it should respond with something like the following:

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id": "/ledger/credit-account/v1/501/accounts/123456",
   "accountNo": "1234567",
   "startDate": "2016-05-21",
   "description": null,
   "accountProfileType": "kontodebet | kontokredit | kontofaktura",
   "accountAlias" : "kontokredit1 | matkonto1",
   "customerNo" : "123789654",
   "status" : "open | pending-close | closed",
   "creditLimit": 2000.00,
   "unpaidBilledAmount" : 200.0,
   "debt": 2050.0,
   "surplus": 0.0,
   "reservedAmount": 50.0,
   "availableAmount": 100.0,
   "openBill" : {
       "amount" : 250.0,
       "bill" : "/ledger/credit-account/v1/501/accounts/123456/bills/963",
       "dueDate" : "2019-10-10",
       "billType" : "Bill"
    },
   "charityDonation": true,
   "interestRate": {
       "debtInterest" : 10.00,
       "penaltyInterest": 15.00
    },
   "offer" : "",
   "directDebit": "/ledger/credit-account/v1/501/accounts/123456/direct-debit",
   "cards": "/ledger/credit-account/v1/501/accounts/123456/cards",
   "transactions": "/ledger/credit-account/v1/501/accounts/123456/transactions",
   "currency": "sek",
   "bills": "/ledger/credit-account/v1/501/accounts/123456/bills",
   "customer": "/ledger/customers/v1/501/customer/123456",
   "operation" : [
        {
           "rel" : "add-card-info",
           "method" : "post",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/cards"
        },
        {
           "rel" : "request-close-account",
           "method" : "post",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/request-close-account"
        },
        {
           "rel" : "apply-for-raised-credit-limit",
           "method" : "post",
           "href" : "/ledger/credit-account-onboardings/v1/501/accounts/123456/apply-for-raised-credit-limit"
        },
        {
           "rel" : "lower-credit-limit",
           "method" : "patch",
           "href" : "/ledger/credit-account-onboardings/v1/501/accounts/123456"
        },
        {
           "rel" : "change-charity-donation",
           "method" : "patch",
           "href" : "/ledger/credit-account-onboardings/v1/501/accounts/123456"
        }
    ]
}

Resource properties

Property	Data type	Format	Description
@id	string	Maxlength:
accountNo	string	Maxlength:
startDate	date	ISO 8601
description	string	Maxlength:
accountProfileType	string	Maxlength:	Examples: kontodebet, kontokredit, kontofaktura
accountAlias	string	Maxlength:	Examples: kontokredit1, matkonto1
customerNo	string	Maxlength:
status	string	Maxlength:
creditLimit	decimal		Kontots kreditlimit
unpaidBilledAmount	decimal		total aktuell summa av alla balanser på BillingAcc (endast om negativ/skuld, annars 0)
debt	decimal		total aktuell summa av alla balanser (kapital/ränta/avgifter osv.) på BillingAcc + underliggande CredAccs, OM NEGATIV (skuld)
surplus	decimal		total aktuell summa av alla balanser (kapital/ränta/avgifter osv.) på BillingAcc + underliggande CredAccs, OM POSITIV (tillgodo)
reservedAmount	decimal		Summerat belopp på alla utestående reservationer mot kontot (som är giltiga och ej captured)
availableAmount	decimal		Tillgänglig kredit (kan ej räknas fram utifrån ovan belopp då avgifter kan ingå där, som inte påverkar tillgänglig kredit)
openBill.amount	decimal
openBill.bill	string	Maxlength:
openBill.dueDate	date	ISO 8601
openBill.billType	string	Maxlength:
charityDonation	bool
interestRate.debtInterest	decimal
interestRate.penaltyInterest	decimal
offer	string	Maxlength:
directDebit	string	Maxlength:
cards	string	Maxlength:
transactions	string	Maxlength:
currency	string	Maxlength:
bills	string	Maxlength:
customer	string	Maxlength:

Bills

List bills

Request

GET /ledger/credit-account/v1/XXX/accounts/123/bills HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "bills" : [
        { "billDate" : "2018-09-01", "status" : "open", "billAmount" : 374.10, "@id" : "/ledger/credit-account/v1/501/accounts/123456/bills/963" },
        { "billDate" : "2018-08-01", "status" : "closed", "billAmount" : 374.10, "@id" : "/ledger/credit-account/v1/501/accounts/123456/bills/852" },
        { "billDate" : "2018-07-01", "status" : "closed", "billAmount" : 374.10, "@id" : "/ledger/credit-account/v1/501/accounts/123456/bills/741" }
    ]
}

Bill resource

Request

GET /ledger/credit-account/v1/XXX/accounts/123/bills/456 HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
   "@id": "/ledger/credit-account/v1/501/accounts/123456/bills/963",
   "externalReference": "123456",
   "dueDate": "2018-12-05",
   "billNo": "124645",
   "amountToBePayed": 240.00,
   "billType" : "Bill",
   "bankPayment": {
       "bankAccountNo": "123",
       "bankAccountType": "BGSE",
       "bic": "123456",
       "iban": "SE12345678945631",
       "paymentReference": "1246fdsdf4687613"
    },
   "activePaymentOrder": {
       "paymentType": "BGAGSE",
       "executionDate": "2019-01-01",
       "amount" : 200.0
    },
   "pdf": "/ledger/credit-account/v1/501/accounts/123456/bills/963/pdf"
}

Property	Data type	Description
@id	string
externalReference	string
dueDate	date
billNo	string
amountToBePayed	decimal
billType	string
bankPayment.bankAccountNo	string
bankPayment.bankAccountType	string
bankPayment.bic	string
bankPayment.iban	string
bankPayment.paymentReference	string
activePaymentOrder.paymentType	string
activePaymentOrder.executionDate	date
activePaymentOrder.amount	decimal	beroende på directdebittype så kan denna vara beräknad vid varje hämtning (utifrån ev. delbet)
pdf	string	Url to download pdf

Direct-debit

Request

POST /ledger/credit-account/v1/XXX/accounts/123/direct-debit HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 200 OK
Content-Type: application/json

{
"@id" : "/ledger/credit-account/v1/501/accounts/123456/direct-debit",
   "directDebitType" : "fixedRecurring | totalDebt | billedAmount | onDemand",
   "fixedRecurringAmount" : 1500.00,
   "parentHREF": "/ledger/credit-account/v1/501/accounts/123456"
}

Property	Data type	Format	Description
directDebitType	string		Can be either of the following: fixedRecurring \| totalDebt \| billedAmount \| onDemand
fixedRecurringAmount	decimal		Only valid if FixedRecurring (amount to monthly debit consumers bankaccount)

Cards

Request

POST /ledger/credit-account/v1/XXX/accounts/123/cards HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "cards" : [
        {"PanTrunc" : "85479**********648", "@id" : "/ledger/credit-account/v1/501/accounts/123456/cards/741"},
        {"PanTrunc" : "12345**********456", "@id" : "/ledger/credit-account/v1/501/accounts/123456/cards/742"}
    ]
}

Request

POST /ledger/credit-account/v1/XXX/accounts/123/cards/456 HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "token": "954c8699-b38f-47a2-b568-668b8837dad8",
   "PanTrunc": "85479*********648",
   "deleted" : false,
   "mainCard": true,
   "cardHolder" : {
       "number" : "123465",
       "name": "test testsson",
       "nationalConsumerIdentifier": {
           "value": "19101010-1010",
           "countryCode": "SE"
        }
    },
   "@id": "/ledger/credit-account/v1/501/accounts/123456/cards/741",
   "parentHREF": "/ledger/credit-account/v1/501/accounts/123456",
   "operation" : [
        {
           "rel" : "delete-card-info",
           "method" : "patch",
           "href" : "/ledger/credit-account/v1/501/accounts/123456/cards/741"
        }
    ]
}

Property	Data type	Description
token	string	token identifier of the card
panTrunc	string	truncated PAN
deleted	bool
mainCard	bool	main card of the account (cardholder is always owner of account)
cardHolder.number	string
cardHolder.name	string
cardHolder.nationalConsumerIdentifier.value	string
cardHolder.nationalConsumerIdentifier.countryCode	string

Transactions

Request

POST /ledger/credit-account/v1/XXX/accounts/123/transactions HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "operations": null,
   "items": [
        {
           "type": "payment",
           "description": "",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": null
        },
        {
           "type": "purchase",
           "description": "testbutiken, köpref. 12345689",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": "2019-10-05",
        },
        {
           "type": "credit",
           "description": "",
           "amount": 200.00,
           "billed": false|true,
           "date": "2019-10-09",
           "reserveDate": "2019-10-05"
        }
    ],
   "@id": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01",
   "view": {
       "@id": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01&$top=2&$skip=0",
       "next": "/ledger/credit-account/v1/501/accounts/123456/transactions?fromDate=2019-10-01&$top=2&$skip=2"
    }
}

Property	Data type	Description
type	string	(transactionTypeGroup)
description	string
amount	decimal
billed	bool
date	date	Valuedate

Reservations

Request

POST /ledger/credit-account/v1/XXX/accounts/123/reservations HTTP/1.1
Host: -
Authorization: Bearer <Token>
Content-Type: application/json

Response

HTTP/1.1 201 Created
Content-Type: application/json

{
   "operations": null,
   "items": [
        {
           "amount": 200.00,
           "description" : "",
           "date": "2019-10-05",
        },
        {
           "amount": 450.00,
           "description" : "",
           "date": "2019-10-02",
        },
    ],
   "@id": "/ledger/credit-account/v1/501/accounts/123456/reservations",
}

Property	Data type	Format	Description
amount	decimal
description	string
date	date

Problems

If an error occur or any validation failed, a "problem" response will be returned.
Below is a list of problems that can occur:

HttpStatus 401 Unauthorized

Token expired
Token invalid
SellerNumber does not match token
CompanyNumber does not match token

HttpStatus 400 Error

Validation: Argument required
Validation: Invalid value

HttpStatus 422 Unprocessable entity

Authorization declined

HttpStatus 409 Conflict

Invoice already authorized
Duplicate InvoiceNumber
Authorization is cancelled
Authorization already captured
Authorization has expired
Insufficient debited amount XXX

HttpStatus 501 NotImplemented

CompanyNumber XXX not configured
SellerNumber XXX not configured at PayEx
CompanyNumber XXX missing configuration

HttpStatus 404 NotFound

Authorization not found

Below is an example of a problem that will be returned if buyer.nationalConsumerIdentifier.value is not valid in the authorization post request.

Response

HTTP/1.1 400 Error
Content-Type: application/problem+json

{
   "Type": "http://[DNS]/ledger/invoice-purchase/problems/validation",
   "Title": "A validation error occurred",
   "Status": 400,
   "Instance": null,
   "Detail": "A validation error occurred. Please fix the problems mentioned in the 'problems' property below.",
   "Problems": [
        {
           "buyer.nationalConsumerIdentifier.value": "Not a valid SE nationalConsumerIdentifier"
        }
    ]
}

credit-account

../credit-account

Accounts

Bills

List bills

Bill resource

Property

Data type

Format

Description

@id

string

externalReference

string

dueDate

date

billNo

string

amountToBePayed

decimal

billType

string

bankPayment.bankAccountNo

string

bankPayment.bankAccountType

string

bankPayment.bic

string

bankPayment.iban

string

bankPayment.paymentReference

string

activePaymentOrder.paymentType

string

activePaymentOrder.executionDate

date

activePaymentOrder.amount

decimal

beroende på directdebittype så kan denna vara beräknad vid varje hämtning (utifrån ev. delbet)

pdf

string

Url to download pdf

Direct-debit

Property

Data type

Format

Description

directDebitType

string

Can be either of the following: fixedRecurring | totalDebt | billedAmount | onDemand

fixedRecurringAmount

decimal

Only valid if FixedRecurring (amount to monthly debit consumers bankaccount)

Cards

Property

Data type

Format

Description

token

string

token identifier of the card

panTrunc

string

truncated PAN

deleted

bool

mainCard

bool

main card of the account (cardholder is always owner of account)

cardHolder.number

string

cardHolder.name

string

cardHolder.nationalConsumerIdentifier.value

string

cardHolder.nationalConsumerIdentifier.countryCode

string

Transactions

Property

Data type