alt

Important information

There was an update of Unzer TLS/SSL certificates. Learn more

Unzer

Accept Unzer Invoice with server-side-only integration

Build your own payment form to add Unzer Invoice to your checkout page

icon

If you are using payment types invoice or invoice-secured, note that these methods are now deprecated. They are currently supported but there are no further developments planned for them.

If you want to access the relevant documentation, see Unzer Invoice and Unzer Invoice Secured.

Overview

With Unzer Invoice you need to provide information about the customer via the customer resource and the purchased products via Basket resource when you make the transaction. This is required for customer assessment and transaction approval. You will also need the customer information to create the invoice document. You are responsible for gathering this data during the checkout.

Before you begin

Step 1: Create a payment type resource
server side

When creating the payment type paylater-invoice, you need to send a request to the Unzer API. While calling create payment method resource at PAPI, add CLIENTIP=<YOUR Client's IP> attribute in the header.The response contains an id, this is later referred to as typeId. You will need this typeId to perform the transaction.

POST https://api.unzer.com/v1/types/paylater-invoice

{
}
$unzer = new Unzer('s-priv-xxxxxxxxxx');

$paylaterInvoice = $unzer->createPaymentType(new PaylaterInvoice());
Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");

PaylaterInvoice paylaterInvoice = unzer.createPaymentType(new PaylaterInvoice());

The response looks similar to the following example:

{
    "id": "s-piv-voi3gcbwinos",
    "method": "/paylater-invoice",
    "recurring": false,
    "geoLocation": {
        "clientIp": "127.0.0.1",
        "countryIsoA2": "DE"
    }
}

For a full description of Unzer Invoice payment type creation, check the API reference.

Step 2: Make a payment 
server side

Besides an always mandatory step of creating the paymentType resource, Unzer paylater-invoice also requires a customer and a basket resource.

Create the customer resource

This step is applicable only if you didn’t create a customer resource yet, on the client side.

B2C customer creation

To process transactions for B2C customers, the following customer fields are mandatory:

Parameter Type Description
firstname (required) string The customer’s first name
lastname(required) string The customer’s last name
salutation string Specify the customer’s Salutation. Available values are mr, mrs, unknown
customerId string Customer’s Unique ID. It identifies the customer and can be used within the GET request. It must be unique.
birthDate (required) string The birth date of the customer in ‘YYYY-MM-DD’ format.
email (required) string The customer’s email address
billingAddress (required) object The customer’s billing address
billingAddress.name string The customer’s name for the billing address
billingAddress.street string The customer’s street including house number
billingAddress.state string The customer’s state
billingAddress.zip string The customer’s postal code
billingAddress.city string The customer’s city
billingAddress.country string The customer’s country in ISO country code ISO 3166 ALPHA-2 (only for billing address)
shippingAddress (required if different from the billing address) object The customer’s shipping address.
shippingAddress.name string Name of person for the shipping address
shippingAddress.street string The customer’s street including house number
shippingAddress.state string The customer’s state
shippingAddress.zip string The customer’s postal code
shippingAddress.city string The customer’s city
shippingAddress.country string The customer’s country in ISO country code ISO 3166 ALPHA-2
shippingAddress.shippingType string The shipping type, valid values are equals-billing,
different-address,
branch-pickup,
post-office-pickup,
pack-station
POST https://api.unzer.com/v1/customers

{
"lastname": "Paylater",
"firstname": "Peter",
"salutation": "mr",
"company": "unzer GmbH",
"customerId": "{{customer_external_id}}",
"birthDate": "1987-12-20",
"email": "John.Doe@heidelpay.com",
"phone": "+49 6221 64 71 100",
"mobile" : "+49 172 123 456",
    "language": "de",
    "billingAddress" : {
      "name" : "Peter Paylater",
      "street" : "Hugo-Junkers-Str. 5",
      "state" : "DE",
      "zip" : "60386",
      "city" : "Frankfurt am Main",
      "country" : "DE"
    },
    "shippingAddress" : {
      "name" : "Peter Paylater",
      "street" : "Hugo-Junkers-Str. 5",
      "state" : "DE",
      "zip" : "60386",
      "city" : "Frankfurt am Main",
      "country" : "DE",
      "shippingType": "equals-billing"
    }
 }

The response looks similar to the following example:

{
  "id":"s-cst-c552940bca23"
}

B2B customer creation

To process transactions for B2B customers, the following customer fields are mandatory:

Parameter Type Description
firstname
(required)
string The customer’s first name
lastname
(required)
string The customer’s last name
salutation string Specify the customer’s salutation. Available values are mr, mrs, unknown
company
(required)
string The customer’s company name
customerId string Customer’s Unique ID. It identifies the customer and can be used within the GET request. It must be unique.
birthDate string The birth date of the customer in ‘YYYY-MM-DD’ format
email
(required)
string The customer’s email address
billingAddress
(required)
object The customer’s billing address
billingAddress.name string The customer’s name for the billing address
billingAddress.street string The customer’s street
billingAddress.state string The customer’s state
billingAddress.zip string The customer’s postal code
billingAddress.city string The customer’s city
billingAddress.country string The customer’s country in ISO country code ISO 3166 ALPHA-2 (only for billing address)
shippingAddress (required if different from the billing address) object The customer’s shipping address.
shippingAddress.name string Name of the customer for the shipping address
shippingAddress.street string The customer’s street including house number
shippingAddress.state string The customer’s state
shippingAddress.zip string The customer’s postal code
shippingAddress.city string The customer’s city
shippingAddress.country string The customer’s country in ISO country code ISO 3166 ALPHA-2
shippingAddress.shippingType string The shipping type, valid values are equals-billing, different-address, branch-pickup, post-office-pickup, and pack-station
companyInfo.companyType string The company type.
Valid values are authority, association, sole, company, other
companyInfo.registrationType string B2B is registered or not registered as a customer
companyInfo.function string Must be OWNER for NOT_REGISTERED, restricted ‘<’ and ‘>’
companyInfo.commercialSector string Mandatory if companyInfoModel.registrationType is REGISTERED, restricted ‘<’ and ‘>’
companyInfo.owner.firstname
(conditional)
string The first name of the company owner. This is only required if the companyInfo.companyType type issole.
companyInfo.owner.lastname
(conditional)
string The last name of the company owner. This is only required if the companyInfo.companyType type issole.
companyInfo.owner.birthDate
(conditional)
string The birth date of the company owner. This is only required if the companyInfo.companyType type issole.
POST https://api.unzer.com/v1/customers

{
    "firstname": "John",
    "lastname": "Doe",
    "salutation": "mr",
    "company": "Unzer GmbH",
    "customerId": "12345678",
    "birthDate": "1987-12-20",
    "email": "John.Doe@unzer.com",
    "billingAddress": {
        "name": "John Doe",
        "street": "Hugo-Junkers-Str. 5",
        "state": "DE-BO",
        "zip": "60386",
        "city": "Frankfurt am Main",
        "country": "DE"
    },
    "shippingAddress": {
        "name": "John Doe",
        "street": "Hugo-Junkers-Str. 5",
        "state": "DE-BO",
        "zip": "60386",
        "city": "Frankfurt am Main",
        "country": "DE",
        "shippingType": "equals-billing"
    },
    "companyInfo": {
        "registrationType": "not_registered",
        "function": "OWNER",
        "commercialSector": "AIRPORT",
        "companyType": "sole",
        "owner": {
            "firstname": "SoleFirst",
            "lastname": "SoleLast",
            "birthdate": "1995-06-21"
        }
    }
}
$unzer      = new UnzerSDK\Unzer('s-priv-xxxxxxxxxx');

$shippingAddress = (new Address())
    ->setName('John Doe')
    ->setStreet('Hugo-Junkers-Str. 5')
    ->setZip('60386')
    ->setCity('Frankfurt am Main')
    ->setCountry('DE')
    ->setState('DE-BO')
    ->setShippingType(ShippingTypes::EQUALS_BILLING);

$billingAddress = (new Address())
    ->setName('John Doe')
    ->setStreet('Hugo-Junkers-Str. 5')
    ->setZip('60386')
    ->setCity('Frankfurt am Main')
    ->setCountry('DE')
    ->setState('DE-BO');

$companyOwner = (new CompanyOwner())
    ->setFirstname("SoleFirst")
    ->setLastname("SoleLast")
    ->setBirthdate("1995-06-21");

$customer = CustomerFactory::createNotRegisteredB2bCustomer(
    'John',
    'Doe',
    '2001-12-12',
    $billingAddress,
    'John.Doe@unzer.com',
    'Unzer GmbH',
    CompanyCommercialSectorItems::AIR_TRANSPORT
);

$customer->setShippingAddress($shippingAddress);
$customer->getCompanyInfo()->setOwner($companyOwner);

$unzer->createCustomer($customer);
Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");

Shipping shippingAddress = (ShippingAddress) new ShippingAddress()
        .setShippingType(Type.EQUALS_BILLING);
        .setName("John Doe")
        .setStreet("Hugo-Junkers-Str. 5")
        .setZip("60386")
        .setCity("Frankfurt am Main")
        .setCountry("DE")
        .setState("DE-BO")

Address billingAddress = new Address()
        .setName("John Doe")
        .setStreet("Hugo-Junkers-Str. 5")
        .setZip("60386")
        .setCity("Frankfurt am Main")
        .setCountry("DE")
        .setState("DE-BO")
        
CustomerCompanyData.Owner owner = (new CustomerCompanyData.Owner())
        .setFirstname("SoleFirst")
        .setLastname("SoleLast")
        .setBirthdate(new SimpleDateFormat("yyyy-MM-dd").parse("1995-06-21"));
        
CustomerCompanyData companyData = new CustomerCompanyData()
        .setOwner(owner)
        .setCommercialSector(CommercialSector.AIR_TRANSPORT)
        .setRegistrationType(RegistrationType.NOT_REGISTERED)
        
Customer customer = new Customer("John", "Doe")
        .setBirthDate(new SimpleDateFormat("yyyy-MM-dd").parse("1995-06-21"))
        .setBillingAddress(billingAddress)
        .setShippingAddress(shippingAddress)
        .setEmail("John.Doe@unzer.com")
        .setCompany("Unzer GmbH")
        .setCompanyData(companyData)

unzer.createCustomer(customer);

The response looks similar to the following example:

{
    "id": "s-cst-b9acaba781f3"
}

For a full description of customer resource, refer to the relevant server-side-integration documentation page: Manage customer (direct API calls).

Create a basket resource

The basket resource stores information about the purchased products, used vouchers, and the shipment costs.

POST https://api.unzer.com/v2/baskets

{
  "currencyCode": "EUR",
  "basketItems": [
    {
      "basketItemReferenceId": "item-1",
      "quantity": 1,
      "amountPerUnitGross": 40,
      "vat":"1",
      "title": "Phone"
    },
    {
      "basketItemReferenceId": "item-2",
      "quantity": 3,
      "amountPerUnitGross": 20,
      "vat":"1",
      "title": "Cables"
    }
  ]
}
$unzer      = new UnzerSDK\Unzer('s-priv-xxxxxxxxxx');
$basketItem = (new UnzerSDK\Resources\EmbeddedResources\BasketItem())
                  ->setTitle('Notebook pro')
                  ->setSubTitle('basket item subtitle')
                  ->setBasketItemReferenceId('item-1')
                  ->setQuantity(1)
                  ->setTotalValueGross(2000)
                  ->setVat(19.0)
                  ->setType(UnzerSDK\Constants\BasketItemTypes::GOODS)
                  ->setUnit('pc');

$basket  = (new UnzerSDK\Resources\Basket())
    ->setTotalValueGross(2000)
    ->setCurrencyCode('EUR')
    ->setOrderId('O-12345-AB')
    ->setNode('basket note')
    ->addBasketItem($basketItem);

$unzer->createBasket($basket);
Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");
        BasketItem basketItem = new BasketItem()
        .setTitle("Item Title 1")
        .setSubTitle("Red case")
        .setBasketItemReferenceId('Artikelnummer4711')
        .setQuantity(5)
        .setTotalValueGross(BigDecimal.valueOf(100.1))
        .setAmountDiscountPerUnitGross(BigDecimal.valueOf(0.1))
        .setVat(BigDecimal.valueOf(19.0))
        .setImageUrl(new URL("https://url.to.the.basket.item.image"))
        .setType(BasketItem.Type.GOODS);

Basket basket  = new Basket()
        .setTotalValueGross(BigDecimal.valueOf(500))
        .setCurrencyCode(Currency.getInstance("EUR"))
        .setOrderId("uniqueOrderId_1")
        .addBasketItem(basketItem);
        
unzer.createBasket(basket);

The response looks similar to the following example:

{
    "id": "s-bsk-49277b9f7ee0"
}

For a full description of basket resource, refer to the relevant server-side-integration documentation page: Direct API integration.

Add the ThreatMetrix script

We use ThreatMetrix for fraud prevention to protect your business from potential fraudsters. For this, insert a code snippet with a unique(!) parameter on your payments page and later, send this parameter as threatMetrixId in the authorize request to us. The next steps are managed by us and no additional steps are required from you.

  1. Define a 128 byte long and unique variable as identifier for this transaction. Make sure it only consists of the following characters:
    • upper and lowercase English letters ([a-z], [A-Z])
    • digits (0-9)
    • underscore (_)
    • hyphen (-)
  2. Use this variable in the ThreatMetrix script (next step) in the GET parameter session_id and store it temporarily so that you can also send it in the authorize request later on.
  3. Add the ThreatMetrix script to your payment page. To get full fraud protection, use both the JavaScript part in the section and the iFrame version in the body section of your page.
<html>
<head>
    <script type="text/javascript" async
         src="https://h.online-metrix.net/fp/tags.js?org_id=363t8kgq&session_id=[SessionID]">
    </script>
</head>
<body>
<noscript>
<iframe 
    style="width: 100px; height: 100px; border: 0; position: absolute; top: -5000px;" 
    src="https://h.online-metrix.net/fp/tags?org_id=363t8kgq&session_id=[SessionID]">
</iframe>
</noscript>
</body>
icon info
Recommendations for creation of session ID
  • Use a merchant identifier (URL without domain additions), append an existing session identifier from a cookie, append the date and time in milliseconds to the end of the identifier and then applying a hexadecimal hash to the concatenated value to produce a completely unique Session ID.
  • Use a merchant identifier (URL without domain additions), append an existing session identifier from the web application, and apply a hexadecimal hash to the value to obfuscate the identifier.
    Example: merchantshop_cd-695a7565-979b-4af9
    The session_id must be stored temporarily for later use in XML request.

Make an authorize transaction

Now, make an authorize transaction with the paylater-invoice resource that you created earlier. With a successful authorize transaction, the amount is authorized and a payment resource is created. At this point no money has been transferred.

Parameter Type Description
amount (required) float The authorization amount
currency (required) string The authorization currency, in the ISO 4217 alpha-3 format (for example, EUR)
invoiceId string The invoice ID for the order.
customerId (required) string The ID of the customers resource to be used (for example, s-cst-e692f3892497)
basketId (required) string The basket ID for the payment
typeId (required) string The ID of the payment type resource to be used (such as s-piv-voi3gcbwinos)

Provide the customer risk information

To increase the acceptance rate of your invoice payments, we strongly recommend that you provide additional information about your customer. The following fields can be provided to allow us to apply a detailed risk check:

Parameter Type Description
threatMetrixId string The ThreatMetrix session ID
customerGroup string Customer classification for the customer if known valid values:
TOP: Customers with more than 3 paid* transactions
GOOD: Customers with more than 1 paid* transactions
BAD: Customers with defaulted/fraudulent orders
NEUTRAL: Customers without paid* transactions
confirmedAmount string The amount/value of the successful transactions paid by the end customer
confirmedOrders string The number of successful transactions paid* by the end customer
registrationLevel string Customer registration level
0=guest, 1=registered
registrationDate string Customer registration date in your shop
(YYYYMMDD)

*paid: A paid transaction is a transaction where you have the payment status of the customer for previous transactions (external factoring invoice, installment or direct debit transactions must be excluded because you might have no information about the actual payment status of the customer).

POST: https://api.unzer.com/v1/payments/authorize

Body
{
    "amount": "100",
    "currency": "EUR",
    "orderId": "ORD-123456",
    "invoiceId" : "INV-123456",
    "resources": {
        "customerId": "s-cst-472f919218b5", 
        "typeId": "s-piv-zex7c9iibpek",
        "basketId": "s-bsk-49277b9f7ee0"
    },
    "additionalTransactionData": {
      "riskData": {
        "threatMetrixId": "f544if49wo4f74ef1x",
        "customerGroup":"TOP",
        "confirmedAmount":"2569",
        "confirmedOrders":"14",
        "registrationLevel":"1",
        "registrationDate":"20160412"
      }
    }
}
$unzer     = new UnzerSDK\Unzer('s-priv-xxxxxxxxxx');

$riskData = (new RiskData())
    ->setThreatMetrixId('f544if49wo4f74ef1x')
    ->setCustomerGroup('TOP')
    ->setConfirmedAmount('2569')
    ->setConfirmedOrders('14')
    ->setRegistrationLevel('1')
    ->setRegistrationDate('20160412');
    
$authorizationInstance = (new Authorization(100.00, 'EUR', $returnUrl))
    ->setRiskData($riskData)
    ->setInvoiceId('INV-123456');
    
$paymentType = new PaylaterInvoice();

$transaction = $unzer->performAuthorization($authorizationInstance, $paymentType, $customer, null, $basket);
Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");

RiskData riskData = (new RiskData())
    .setThreatMetrixId("f544if49wo4f74ef1x")
    .setCustomerGroup("TOP")
    .setConfirmedAmount("2569")
    .setConfirmedOrders("14")
    .setRegistrationLevel("1")
    .setRegistrationDate(new Date());
    
Authorization authorizationInstance = (new Authorization())
        .setAmount(BigDecimal.valueOf(100.))
        .setCurrency(Currency.getInstance("EUR"))
        .setRiskData(riskData)
        .setInvoiceId("INV-123456");

Authorization transaction = unzer.authorize(authorizationInstance);

The response looks similar to the following example:

GET: https://api.unzer.com/v1/payments/{{random_Order_Id}}/authorize/{{auth-Id}}

Body
{
    "id": "s-aut-1",
    "isSuccess": true,
    "isPending": false,
    "isError": false,
    "message": {
        "code": "COR.000.000.000",
        "merchant": "Transaction succeeded",
        "customer": "Your payments have been successfully processed."
    },
    "amount": "100.0000",
    "currency": "EUR",
    "returnUrl": "",
    "date": "2022-06-29 11:55:55",
    "resources": {
        "customerId": "s-cst-472f919218b5",
        "paymentId": "s-pay-124",
        "basketId": "s-bsk-49277b9f7ee0",
        "traceId": "fd58542dd6d6e2ad681a98dc692c5c45",
        "typeId": "s-piv-zex7c9iibpek"
    },
    "additionalTransactionData": {
        "riskData": {
            "threatMetrixId": "f544if49wo4f74ef1x",
            "customerGroup": "TOP",
            "confirmedAmount": "2569",
            "confirmedOrders": "14",
            "registrationLevel": "1",
            "registrationDate": "20160412"
        }
    },
    "orderId": "ORD-123456",
    "invoiceId": "INV-123456",
    "paymentReference": "",
    "processing": {
        "iban": "AT611904300234573201",
        "bank": "Bank Frick Name",
        "uniqueId": "Tx-bxahqq6dmxy",
        "shortId": "Tx-bxahqq6dmxy",
        "descriptor": "BKPB-QCCJ-KKQG",
        "holder": "John Doe",
        "traceId": "fd58542dd6d6e2ad681a98dc692c5c45"
    }
}

For more details on managing Unzer Invoice payments, see Manage Unzer Invoice payments.

Step 3: Check status of the payment
server side

Once the transaction is made, you can fetch the payment details from the API, by using the resources.paymentId from the charge response above to handle the payment according to its status, such as s-pay-124. Check all possible payment states here.

GET: https://api.unzer.com/v1/payments/s-pay-xxxxxxx
$unzer    = new UnzerSDK\Unzer('s-priv-xxxxxxxxxx');
$payment  = $unzer->fetchPayment('s-pay-xxxxxxx');
Unzer unzer = new Unzer("s-priv-xxxxxxxxxx");
Payment payment = unzer.fetchPayment("s-pay-xxxxxxx");

Step 4: Display the payment result
client side

Use the information from the Check status of the payment step to show payment result to your customer.
This can be the success or error page of your shop. If something went wrong you can use the client message from the API response and show it to the customer.

Manage payment
server side

For more details on managing Unzer Invoice payments, see Manage Unzer Invoice payments.

Notifications

We recommend subscribing to the payment event to receive notifications about any changes to the payment resource. As soon as the event is triggered you should fetch the payment and update the order status in your shop according to its status.

  {
    "event":"payment.pending",
    "publicKey":"s-pub-xxxxxxxxxx",
    "retrieveUrl":"https://api.unzer.com/v1/payments/s-pay-774",
    "paymentId":"s-pay-774"
  }

For more details on implementing webhooks to receive notifications, see Notifications page.

Error handling

All requests to the API can result in an error that should be handled. Refer to the Error handling guide to learn more about Unzer API (and other) errors and handling them.

Test & go live

You should always test your integration before going live. First perform test transactions using test data. Next, check against Integration checklist and Go-live checklist to make sure the integration is complete and you’re ready to go live.

See also