Payment Process		Integration
Authorization	✔️	Payment Page	✔️
Deferred Settlement	✔️	Split Mode	❌
Refund	✔️	Mobile SDK	❌
Cancel	✔️
Alias	❌

Description

Accarda offers online merchants the "Purchase on account" payment method with optional payment in instalments. The well-established Swiss company is a specialist in payment solutions for the retail trade, with over 40 years of experience in creditworthiness checks, risk management, invoice issuing and accounts receivable management.
Payment Method provider website 🔗

📘
Request and response parameter reference
For a more detailed description of the request and response parameters for Accarda
please check the API Reference

Web payment flow

Server to Server API calls

After a transactionId or alias was received by completing the payment flow on the web, the following server to server API calls can be used to do other actions.

Authorization

Request

curl -v -X POST https://api.sandbox.datatrans.com/upp/jsp/XML_authorize.jsp \
-H 'Content-Type: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d @- << EOF
<?xml version="1.0" encoding="UTF-8" ?>
                <authorizationService version="6">
                    <body merchantId="1000011011">
                        <transaction refno="1234"  referenceNumber="1234">
                            <request>
                                <amount>33110</amount>
                                <currency>CHF</currency>
                                <reqtype>NOA</reqtype>
                                <pmethod>ACC</pmethod>
                                <sign>30916165706580013</sign>
                                <sub_pmethod>INSTALLMENT</sub_pmethod>           
                                <accardaAttachments>
                                    <attachment mimeType="text/xml" name="invoicetext.xml">
                                        <value>base64 encoded content 1</value>
                                    </attachment>
                                    <attachment mimeType="text/xml" name="invoicetext.xml">
                                        <value>base64 encoded content 1</value>
                                    </attachment>
                                </accardaAttachments>
                                <uppCustomerDetails>
                                    <accardaOtherPaymentMeansAmount>1000</accardaOtherPaymentMeansAmount>
                                    <accardaPreferredRateModel>3x3</accardaPreferredRateModel>
                                    <accardaRiskTakerShift>IN_ANY_CASE</accardaRiskTakerShift>
                                    <accardaInvoiceChannel>INSURANCE</accardaInvoiceChannel>
                                    <accardaEnableStreetSplit>true</accardaEnableStreetSplit>
                                    <accardaCustomerOrderNumber>ORDER-NUMBER-1</accardaCustomerOrderNumber>                                    
                                    <uppCustomerType>P</uppCustomerType>
                                    <uppCustomerGender>male</uppCustomerGender>
                                    <uppCustomerPhone>0795658005</uppCustomerPhone>
                                    <uppCustomerTitle>Herr</uppCustomerTitle>
                                    <uppCustomerFirstName>Peter</uppCustomerFirstName>
                                    <uppCustomerLastName>ABCDE</uppCustomerLastName>
                                    <uppCustomerBirthDate>25.08.1979</uppCustomerBirthDate>
                                    <uppCustomerLanguage>DE</uppCustomerLanguage>
                                    <uppCustomerStreet>Obere Kirchgasse</uppCustomerStreet>
                                    <uppCustomerStreet2>18</uppCustomerStreet2>
                                    <uppCustomerCity>Meilen</uppCustomerCity>
                                    <uppCustomerZipCode>8706</uppCustomerZipCode>
                                    <uppCustomerCountry>CH</uppCustomerCountry>
                                    <uppInvoiceType>physical</uppInvoiceType>
                                    <uppArticle_1_Id>PK4000</uppArticle_1_Id>
                                    <uppArticle_1_Name>Bottle opener</uppArticle_1_Name>
                                    <uppArticle_1_Type>goods</uppArticle_1_Type>
                                    <uppArticle_1_Quantity>1</uppArticle_1_Quantity>
                                    <uppArticle_1_Price>10000</uppArticle_1_Price>
                                    <uppArticle_1_Tax>8</uppArticle_1_Tax>
                                    <uppArticle_1_PriceWithoutVAT>9259</uppArticle_1_PriceWithoutVAT>
                                    <uppArticle_1_TaxAmount>741</uppArticle_1_TaxAmount>
                                    <uppArticle_1_SingleItemPrice>10000</uppArticle_1_SingleItemPrice>
                                    <uppArticle_1_SingleItemPriceWithoutVAT>9259</uppArticle_1_SingleItemPriceWithoutVAT>
                                    <uppArticle_2_Id>PK5000</uppArticle_2_Id>
                                    <uppArticle_2_Name>Nice product</uppArticle_2_Name>
                                    <uppArticle_2_Type>goods</uppArticle_2_Type>
                                    <uppArticle_2_Quantity>1</uppArticle_2_Quantity>
                                    <uppArticle_2_Price>20000</uppArticle_2_Price>
                                    <uppArticle_2_Tax>2.5</uppArticle_2_Tax>
                                    <uppArticle_2_PriceWithoutVAT>19512</uppArticle_2_PriceWithoutVAT>
                                    <uppArticle_2_TaxAmount>488</uppArticle_2_TaxAmount>
                                    <uppFee_1_Id>PF000</uppFee_1_Id>
                                    <uppFee_1_Name>Payment Fee</uppFee_1_Name>
                                    <uppFee_1_Type>fee</uppFee_1_Type>
                                    <uppFee_1_Quantity>1</uppFee_1_Quantity>
                                    <uppFee_1_Price>1000</uppFee_1_Price>
                                    <uppFee_1_Tax>3.8</uppFee_1_Tax>
                                    <uppFee_1_PriceWithoutVAT>963</uppFee_1_PriceWithoutVAT>
                                    <uppFee_1_TaxAmount>37</uppFee_1_TaxAmount>
                                    <uppFee_2_Id>DF000</uppFee_2_Id>
                                    <uppFee_2_Name>Delivery Fee</uppFee_2_Name>
                                    <uppFee_2_Type>fee</uppFee_2_Type>
                                    <uppFee_2_Quantity>1</uppFee_2_Quantity>
                                    <uppFee_2_Price>3000</uppFee_2_Price>
                                    <uppFee_2_Tax>3.8</uppFee_2_Tax>
                                    <uppFee_2_PriceWithoutVAT>2890</uppFee_2_PriceWithoutVAT>
                                    <uppFee_2_TaxAmount>110</uppFee_2_TaxAmount>
                                    <uppFee_3_Id>ROUNDING</uppFee_3_Id>
                                    <uppFee_3_Name>Rounding</uppFee_3_Name>
                                    <uppFee_3_Type>fee</uppFee_3_Type>
                                    <uppFee_3_Quantity>1</uppFee_3_Quantity>
                                    <uppFee_3_Price>110</uppFee_3_Price>
                                    <uppFee_3_Tax>0</uppFee_3_Tax>
                                    <uppFee_3_PriceWithoutVAT>110</uppFee_3_PriceWithoutVAT>
                                    <uppFee_3_TaxAmount>0</uppFee_3_TaxAmount>
                                </uppCustomerDetails>
                            </request>
                        </transaction>
                    </body>
                </authorizationService>
 EOF

Response

<?xml version='1.0' encoding='UTF-8'?>
<authorizationService version='6'>
  <body merchantId='1000011011' status='accepted'>
    <transaction refno='1234' referenceNumber='1234' trxStatus='response'>
      <request>
        <amount>33110</amount>
        <currency>CHF</currency>
        <reqtype>NOA</reqtype>
        <pmethod>ACC</pmethod>
        <sign>30916165706580013</sign>
        <sub_pmethod>INSTALLMENT</sub_pmethod>        
        <accardaAttachments>
          <attachment mimeType='text/xml' name='invoicetext.xml'>
            <value>base64 encoded content 1</value>
          </attachment>
          <attachment mimeType='text/xml' name='invoicetext.xml'>
            <value>base64 encoded content 1</value>
          </attachment>
        </accardaAttachments>
        <uppCustomerDetails>
          <accardaOtherPaymentMeansAmount>1000</accardaOtherPaymentMeansAmount>
          <accardaPreferredRateModel>3x3</accardaPreferredRateModel>
          <accardaRiskTakerShift>IN_ANY_CASE</accardaRiskTakerShift>
          <accardaInvoiceChannel>INSURANCE</accardaInvoiceChannel>
          <accardaEnableStreetSplit>true</accardaEnableStreetSplit>
          <accardaCustomerOrderNumber>ORDER-NUMBER-1</accardaCustomerOrderNumber>         
          <uppCustomerType>P</uppCustomerType>
          <uppCustomerGender>male</uppCustomerGender>
          <uppCustomerPhone>0795658005</uppCustomerPhone>
          <uppCustomerTitle>Herr</uppCustomerTitle>
          <uppCustomerFirstName>Peter</uppCustomerFirstName>
          <uppCustomerLastName>ABCDE</uppCustomerLastName>
          <uppCustomerBirthDate>25.08.1979</uppCustomerBirthDate>
          <uppCustomerLanguage>DE</uppCustomerLanguage>
          <uppCustomerStreet>Obere Kirchgasse</uppCustomerStreet>
          <uppCustomerStreet2>18</uppCustomerStreet2>
          <uppCustomerCity>Meilen</uppCustomerCity>
          <uppCustomerZipCode>8706</uppCustomerZipCode>
          <uppCustomerCountry>CH</uppCustomerCountry>
          <uppInvoiceType>physical</uppInvoiceType>
          <uppArticle_1_Id>PK4000</uppArticle_1_Id>
          <uppArticle_1_Name>Bottle opener</uppArticle_1_Name>
          <uppArticle_1_Type>goods</uppArticle_1_Type>
          <uppArticle_1_Quantity>1</uppArticle_1_Quantity>
          <uppArticle_1_Price>10000</uppArticle_1_Price>
          <uppArticle_1_Tax>8</uppArticle_1_Tax>
          <uppArticle_1_PriceWithoutVAT>9259</uppArticle_1_PriceWithoutVAT>
          <uppArticle_1_TaxAmount>741</uppArticle_1_TaxAmount>
          <uppArticle_1_SingleItemPrice>10000</uppArticle_1_SingleItemPrice>
          <uppArticle_1_SingleItemPriceWithoutVAT>9259</uppArticle_1_SingleItemPriceWithoutVAT>
          <uppArticle_2_Id>PK5000</uppArticle_2_Id>
          <uppArticle_2_Name>Nice product</uppArticle_2_Name>
          <uppArticle_2_Type>goods</uppArticle_2_Type>
          <uppArticle_2_Quantity>1</uppArticle_2_Quantity>
          <uppArticle_2_Price>20000</uppArticle_2_Price>
          <uppArticle_2_Tax>2.5</uppArticle_2_Tax>
          <uppArticle_2_PriceWithoutVAT>19512</uppArticle_2_PriceWithoutVAT>
          <uppArticle_2_TaxAmount>488</uppArticle_2_TaxAmount>
          <uppFee_1_Id>PF000</uppFee_1_Id>
          <uppFee_1_Name>Payment Fee</uppFee_1_Name>
          <uppFee_1_Type>fee</uppFee_1_Type>
          <uppFee_1_Quantity>1</uppFee_1_Quantity>
          <uppFee_1_Price>1000</uppFee_1_Price>
          <uppFee_1_Tax>3.8</uppFee_1_Tax>
          <uppFee_1_PriceWithoutVAT>963</uppFee_1_PriceWithoutVAT>
          <uppFee_1_TaxAmount>37</uppFee_1_TaxAmount>
          <uppFee_2_Id>DF000</uppFee_2_Id>
          <uppFee_2_Name>Delivery Fee</uppFee_2_Name>
          <uppFee_2_Type>fee</uppFee_2_Type>
          <uppFee_2_Quantity>1</uppFee_2_Quantity>
          <uppFee_2_Price>3000</uppFee_2_Price>
          <uppFee_2_Tax>3.8</uppFee_2_Tax>
          <uppFee_2_PriceWithoutVAT>2890</uppFee_2_PriceWithoutVAT>
          <uppFee_2_TaxAmount>110</uppFee_2_TaxAmount>
          <uppFee_3_Id>ROUNDING</uppFee_3_Id>
          <uppFee_3_Name>Rounding</uppFee_3_Name>
          <uppFee_3_Type>fee</uppFee_3_Type>
          <uppFee_3_Quantity>1</uppFee_3_Quantity>
          <uppFee_3_Price>110</uppFee_3_Price>
          <uppFee_3_Tax>0</uppFee_3_Tax>
          <uppFee_3_PriceWithoutVAT>110</uppFee_3_PriceWithoutVAT>
          <uppFee_3_TaxAmount>0</uppFee_3_TaxAmount>
        </uppCustomerDetails>
      </request>
      <response>
        <responseCode>01</responseCode>
        <responseMessage>Accarda trx successful.</responseMessage>
        <uppTransactionId>171123142929405931</uppTransactionId>
        <authorizationCode>929415932</authorizationCode>
        <acqAuthorizationCode>50258</acqAuthorizationCode>
        <purchaseInInstallementGranted>true</purchaseInInstallementGranted>
        <purchaseOnInvoiceGranted>true</purchaseOnInvoiceGranted>
        <decisionInstallment>OK</decisionInstallment>
        <decisionInvoice>OK</decisionInvoice>
        <decisionRiskTaker>MERCHANT</decisionRiskTaker>
        <installmentPlan>
          <totalRateAmount>349.0</totalRateAmount>
          <interestRate>0.0</interestRate>
          <billingDate>2017-11-23</billingDate>
          <rateModel>4X12</rateModel>
          <rates>
            <rateAmount>87.25</rateAmount>
            <rateDate>2017-12-23</rateDate>
            <interestAmount>17.9</interestAmount>
          </rates>
          <rates>
            <rateAmount>87.25</rateAmount>
            <rateDate>2018-03-23</rateDate>
            <interestAmount>0.0</interestAmount>
          </rates>
          <rates>
            <rateAmount>87.25</rateAmount>
            <rateDate>2018-07-21</rateDate>
            <interestAmount>0.0</interestAmount>
          </rates>
          <rates>
            <rateAmount>87.25</rateAmount>
            <rateDate>2018-11-18</rateDate>
            <interestAmount>0.0</interestAmount>
          </rates>
        </installmentPlan>
        <info>
          <status>AUTHORIZED</status>
          <validUntil>2017-12-23</validUntil>
          <isSuitableForDelivery>false</isSuitableForDelivery>
        </info>
        <authorizationId>50258</authorizationId>
      </response>
    </transaction>
  </body>
</authorizationService>

Settlement

Request

curl -v -X POST https://api.sandbox.datatrans.com/upp/jsp/XML_processor.jsp \
-H 'Content-Type: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d @- << EOF
<?xml version="1.0" encoding="UTF-8" ?>
<paymentService version="2">
  <body merchantId="1000011011">
    <transaction refno="1234">
      <request>
        <amount>33110</amount>
        <currency>CHF</currency>
        <uppTransactionId>171123142929405931</uppTransactionId>
      </request>
    </transaction>
  </body>
</paymentService>
EOF

Response

<?xml version='1.0' encoding='UTF-8'?>
<paymentService version='2'>
    <body merchantId='1000011011' status='accepted'>
        <transaction refno='1234' trxStatus='response'>
            <request>
                <amount>33110</amount>
                <currency>CHF</currency>
                <uppTransactionId>171123142929405931</uppTransactionId>
                <reqtype>COA</reqtype>
                <transtype>05</transtype>
            </request>
            <response>
                <responseCode>01</responseCode>
                <responseMessage>settlement succeeded</responseMessage>
                <info>
                    <status>SUBMITTED</status>
                    <validUntil>2018-01-07</validUntil>
                    <isSuitableForDelivery>true</isSuitableForDelivery>
                </info>
            </response>
        </transaction>
    </body>
</paymentService>

Credit

Request

curl -v -X POST https://api.sandbox.datatrans.com/upp/jsp/XML_processor.jsp \
-H 'Content-Type: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d @- << EOF
<?xml version="1.0" encoding="UTF-8" ?>
<paymentService version="1">
    <body merchantId="1000011011">
        <transaction refno="1234">
            <request>
                <amount>33110</amount>
                <currency>CHF</currency>
                <uppTransactionId>171123142929405931</uppTransactionId>
                <transtype>06</transtype>
            </request>
        </transaction>
    </body>
</paymentService>
EOF

Response

<?xml version='1.0' encoding='UTF-8'?>
<paymentService version='2'>
    <body merchantId='1000011011' status='accepted'>
        <transaction refno='1234' trxStatus='response'>
            <request>
                <amount>33110</amount>
                <currency>CHF</currency>
                <uppTransactionId>171123142929405931</uppTransactionId>
                <transtype>06</transtype>
                <reqtype>COA</reqtype>
            </request>
            <response>
                <responseCode>01</responseCode>
                <responseMessage>credit succeeded</responseMessage>
                <uppTransactionId>171123143440057122</uppTransactionId>
                <authorizationCode>442487132</authorizationCode>
                <acqAuthorizationCode>0</acqAuthorizationCode>
                <info>
                    <status>CREDITED</status>
                    <validUntil>2018-01-07</validUntil>
                    <isSuitableForDelivery>true</isSuitableForDelivery>
                </info>
            </response>
        </transaction>
    </body>
</paymentService>

Cancel

Request

curl -v -X POST https://api.sandbox.datatrans.com/upp/jsp/XML_processor.jsp \
-H 'Content-Type: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d @- << EOF
<?xml version="1.0" encoding="UTF-8" ?>
<paymentService version="2">
    <body merchantId="1000011011">
        <transaction refno="1234">
            <request>
                <amount>27475</amount>
                <currency>CHF</currency>
                <uppTransactionId>171123143518817427</uppTransactionId>
                <reqtype>DOA</reqtype>
            </request>
        </transaction>
    </body>
</paymentService>
EOF

Response

<?xml version='1.0' encoding='UTF-8'?>
<paymentService version='2'>
    <body merchantId='1000011011' status='accepted'>
        <transaction refno='1234' trxStatus='response'>
            <request>
                <amount>27475</amount>
                <currency>CHF</currency>
                <uppTransactionId>171123143518817427</uppTransactionId>
                <reqtype>DOA</reqtype>
                <transtype>05</transtype>
            </request>
            <response>
                <responseCode>01</responseCode>
                <responseMessage>cancellation succeeded</responseMessage>
                <info/>
            </response>
        </transaction>
    </body>
</paymentService>

Status

Request

curl -v -X POST https://api.sandbox.datatrans.com/upp/jsp/XML_status.jsp \
-H 'Content-Type: application/xml' \
-H 'Authorization: Basic dXNlcm5hbWU6cGFzc3dvcmQ=' \
-d @- << EOF
<?xml version="1.0" encoding="UTF-8" ?>
<statusService version="5">
  <body merchantId="1000011011">
    <transaction>
      <request>
        <uppTransactionId>171123143518817427</uppTransactionId>
        <reqtype>STX</reqtype>
      </request>
    </transaction>
  </body>
</statusService>
EOF

Response

<?xml version='1.0' encoding='UTF-8'?>
<statusService version='5'>
    <body merchantId='1000011011' status='accepted'>
        <transaction trxStatus='response'>
            <request>
                <uppTransactionId>171123143518817427</uppTransactionId>
                <reqtype>STX</reqtype>
            </request>
            <response itemNr='1'>
                <responseCode>7</responseCode>
                <responseMessage>MOA Cancel</responseMessage>
                <refno>1234</refno>
                <amount>33110</amount>
                <currency>CHF</currency>
                <authorizationCode>518827428</authorizationCode>
                <pmethod>ACC</pmethod>
                <uppTransactionId>171123143518817427</uppTransactionId>
                <maskedCC></maskedCC>
                <aliasCC></aliasCC>
                <expm></expm>
                <expy></expy>
                <trxDate>20171123</trxDate>
                <trxTime>143518</trxTime>
                <trtype>05</trtype>
            </response>
        </transaction>
    </body>
</statusService>

Description

📘Request and response parameter reference

Web payment flow

Server to Server API calls

Authorization

Settlement

Credit

Cancel

Status

📘
Request and response parameter reference