integration of online payments - common pitfalls and how to avoid them

WebCamp 2014 - Peter Trobec - @ptrobec

INTEGRATION OF ONLINE PAYMENTS

Peter Trobecptrobec@gmail.com

@ptrobec

What will we cover?

● Overview of online payments● Project management● Documentation● Development

– Sample code & test environment– Statuses– Logging– Bugs

Overview of Online Payments● Different providers

– Global● PayPal● Google Wallet● Amazon Payments

– Local● MegaPOS● PikPay● Cetelem● Liisi

Overview of Online Payments

● Have different payment methods– Purchase – digital goods– Authorization – physical goods

Purchase

● Money can be transferred immediately● No stock needed

Authorization

● Money only authorized – not transferred● Products must be on stock● Products have to be ready for delivery● Authorization can expire● Money is transferred only after capture is initiated

Overview of Online Payments

Always make sure the financial department signed the contracts!

PROJECT MANAGEMENT

1.Always assign a responsible person

2.Communicate with all departments involved

3.Educate everyone involved in the process

4.On each change, update all the parties involved

5.If anything goes wrong, you will have to know the answer, why it went wrong and how to fix it

Instructions

● Prepare instructions for all departments● Each department should get custom instructions ● Educate everyone on how the integration works● Explain the differences between normal and online

payments

Reports

● Most departments will need some kind of report● Finance department will need the most accurate

report● Not all online payments providers offer concise

reports so be sure to agree on this beforehand

DOCUMENTATION

Documentation

What you expect you'll get

Documentation

What you'll get...

Documentation can be...

● Outdated● In a foreign language● Lacking the most needed info● Just an API reference

Always

REQUEST THE LATEST DOCUMENTATION!!!

DEVELOPMENT

Sample code

● Not for your platform● Not in a form of a plugin● Just an example● Always needs a complete rewrite● Unsecure

Test environment

● Not in English● Not working● Want to make a complete test transaction?● Nope.● But why?● Not working.

Test environment example

● Hungarian leasing provider– Needed info:

● Tax identification number● Personal document number (ID number)● Valid land line/mobile number

PROVIDED INFO:NONE

● What needed to be tested:– Whole payment process with:

● Successful leasing outcome● Unsuccessful leasing outcome● Pending leasing outcome● Timeout

● What could be tested:– Nothing

What will you need for testing

● Credit card nubers and info● Sensitive personal data

– ID number– Passport number– Salary– employer

Statuses

● Hard to „track“ the meaning● Not in English● 10 integrations, 100 statuses

Status examples

● With same meaning:– APPROVED

– ACCEPTED

– GREEN

– 100

– INVOICE=123456:STATUS=PAID:PAY_TIME=YYYYMMDDhhmmss:STAN=[6 digits]:BCODE=[6 digits/letters]

– SATISFIED

– INITIALIZED

– 0000

Payment statuses comparison

● Same provider with 2 systems:

– System 1:● 1, 2, 3, 4, 5, 7, 99, 888

– System 2:● VARIATION 1:

– PAYMENT_AUTHORIZED, PAYMENT_RECEIVED, TEST, COMPLETE, REVERSED, REFUND

● VARIATION 2:– SAME AS 1, BUT WITH ADDED STATUS: CASH

● VARIATION 3:– NOT_FOUND, WAITING_PAYMENT, CARD_NOTAUTHORIZED, IN_PROGRESS,

PAYMENT_AUTHORIZED, COMPLETE, FRAUD, INVALID, TEST

Logging

● Log everything● Follow the bank way – make only inserts● Always operate with the latest status

● It's your fault, not the bank's● Have you logged everything?● Bugs with payments are always critical

The end

● Countless little fixes on:– Front-end– Legal text– Various calculators

The end

Endless stream of e-mails

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