About PostFinance

General information about PostFinance

supports various online transfers in different countries via the acquirer PPRO. Merchants benefit from the payment guarantee, the immediate execution by advance payment and the large reachable customer base. On the other hand, customers use the familiar environment of their online banking and thus also gain confidence in the online shop. This lowers the number of cancelled orders and increases the conversion rate.

The PostFinance-Bank’s Yellowpay online transfer operates without a transaction limit, but with a payment guarantee for the merchant and reaches more than 3.5 million potential in Switzerland.

Logo

Info

PostFinance is an online banking payment method in Switzerland and is the market leader in Swiss payment transactions with a market share of around 60%. With PostFinance merchants can reach over 3.5 million potential customers.

Type

Payments by Online Bank Transfer

Further information can be found on the webpage of PostFinance (https://www.postfinance.ch/).

Process flow chart

PostFinance process flow

interface

Payment with PostFinance via form interface

To make a payment with PostFinance (E-Finance) online transfer in Switzerland, please use the following URL:

postfinance.aspx

Key

Format

CND

Description

Beschreibung

RefNr

ans..40

O

Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

Note: Please consider response parameter PaymentPurpose.

Eindeutige Referenznummer des Händlers. Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt.

Hinweis: Bitte beachten Sie den Antparameter PaymentPurpose.

Key	Format	CND	Description	Beschreibung
OrderDesc	ans..768	O	Description of goods and prices. Intended purpose on the statement of account	Beschreibung der Waren, Einzelpreise usw., Verwendungszweck auf dem Kontoauszug

Key	Format	CND	Description	Beschreibung
Language	a2	O	2-letter language code (e.g.. de) that should be preferred when presenting payment pages to the consumer	2-stelliger Sprachcode (z.B. de), der für die Zahlungsseiten für den Kunden bevorzugt werden soll
AccOwner	ans3..50	M	Name of account holder	Name des Kontoinhabers
Device	a6	O	Device selection: if “Mobile” is submitted the mobile version of PostFinace is called instead of the desktop version	Geräteauswahl: bei Übergabe von „Mobile“ wird statt der Desktop-Version die Mobil-Version von PostFinance aufgerufen
ProductName	a..24	O	Preselection of payment type to be used - yellownet (for eFinance) - PostFinanceCard (for PostFinance card) Notice: If this parameter is not submitted, the customer can select payment type by himself later.	Vorauswahl der zu verwendenden Zahlungsart: - yellownet (für eFinance) - PostFinanceCard (für PostFinance-Karte) Hinweis: Wenn der Parameter nicht übergeben wird, kann der Kunde später die Zahlungsart selbst wählen.

Parameters for payments with PostFinance

Key

Format

CND

Description

Beschreibung

RefNr

ans..40

O

Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.

Note: Please consider response parameter PaymentPurpose.

Eindeutige Referenznummer des Händlers. Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt.

Hinweis: Bitte beachten Sie den Antwortparameter PaymentPurpose.

Key	Format	CND	Description	Beschreibung
TID	ans..40	O	Transaction reference for PostFinance	Transaktionsnummer bei PostFinance
PaymentPurpose	ans..26	M	Unique ID which is generated by PPRO and provided within the own settlement file of PostFinance. This ID should be used on merchant side for reconcilliation of open positions. RefNr can not be used for this purpose with this payment method. Please note: When using the OrderDesc simulation, the parameter is not returned, when using the PPRO test system, the return is abbreviated without trader names and complete in the live system. Live system example: "9D1G74P John Doe GmbH". If you use the value PaymentPurpose to debit the payment using the Postfinance EPAY... .xml file, you will only receive the abbreviated version in the TAG=MerchantOrderId with which you can carry out the comparison. response data: paymentpurpose=9D1G74P John Doe GmbH Data from Postfinance file: <MerchantOrderId>9D1G74P</MerchantOrderId>	Eindeutige ID, welche von PPRO generiert und im eigenen Abrechnungsfile von PostFinance bereitgestellt wird. Diese ID sollte auf Händlerseite zum Abgleich offener Positionen verwendet werden. Die RefNr kann für diesen Zweck bei dieser Zahlungsmethode nicht verwendet werden. Bitte beachten Sie: Bei Verwendung der OrderDesc-Simulation wird der Parameter nicht zurückgegeben, bei Nutzung des PPRO-Testsystems erfolgt die Rückgabe gekürzt ohne Händlernamen und im Live-System vollständig. Beispiel Live-System: "9D1G74P John Doe GmbH". Nutzen Sie den Wert PaymentPurpose zum Ausbuchen der Zahlung anhand des Postfinance EPAY... .xml File, erhalten Sie im TAG=MerchantOrderId auch nur die verkürzte Variante, mit welcher Sie den Abgleich ausführen. Antwortdaten von : paymentpurpose=9D1G74P John Doe GmbH Daten aus der Postfinance-Datei: <MerchantOrderId>9D1G74P</MerchantOrderId>
PaymentGuarantee	a..12	C	FULL: payment guarantee Notice: This parameter is only returned if the Status=OK.	FULL: Zahlungsgarantie Hinweis: Dieser Parameter wird nur zurückgegeben, falls der Status=OK ist.

Key	Format	CND	Description	Beschreibung
TransactionID	an..20	O	Unique transaction number from PPRO	Eindeutige Transaktionsnummer bei PPRO

Return parameters for URLSuccess, URLFailure and URLNotify with PostFinance

Credit with reference

credit.aspx

Parameters for credit payments with PostFinance via socket connection

Response parameters for credit payments with PostFinance via socket connection

Batch processing via the interface

This section describes the parameters which must be transferred within the data set (Record) for executing a PostFinance credit and which information can be found within the response file about the payment status.

Following table gives an overview of all batch versions that are possible for a specific action and their specialities:

Action	Version	Description	Beschreibung
Credit	1.0 / 2.0	Standard version without return of parameter Code	Standardversion ohne Rückgabe von Parameter Code
	1.x / 2.x	with RefNr (valid for all versions other than 1.0)	mit RefNr (gilt für alle Versionen außer 1.0)

Description of the possible batch versions

The structure for a PostFinance credit within a Batch file to be submitted is the following:

HEAD,<MerchantID>,<Date>,<Version>
PostFinance,Credit,<Amount>,<Currency>,<TransID>,(<RefNr>,)<PayID>
FOOT,<CountRecords>,<SumAmount>

Version MultiMerchant:
HEAD,<[Master]MerchantID>,<Date>,<2.x>
PostFinance,Action,<[Slave]MID>,<Amount>,<Currency>,<TransID>,Data (depends on Action)
FOOT,<CountRecords>,<SumAmount>

Example for Master MID function:

HEAD,[Master]MerchantID,Date,2.x
Type,Action,[Slave]MID,Amount,Currency,TransID,Data (depends on Action)
FOOT,CountRecords,SumAmount

Key	Format	CND	Description	Beschreibung
Type	a..11	M	HEAD for Header, FOOT for Footer, PostFinance for PostFinance	HEAD für Header, FOOT für Footer, PostFinance für PostFinance
Action	a..20	M	The parameter Action defines the type of transaction: Credit	Der Action-Parameter definiert die Art der Transaktion: Credit (Gutschrift)

Key	Format	CND	Description	Beschreibung
RefNr	ans..30	O	Merchant’s unique reference number. Only characters a-zA-Z0-9,-_ are allowed.	Eindeutige Referenznummer des Händlers. Nur die Zeichen a-zA-Z0-9,-_ sind erlaubt.

Description of fields within the record for Batch files

The record area within the response file for Batch transactions looks the following way:

HEAD,<MerchantID>,<Date>,<Version>
PostFinance,Credit,<Amount>,<Currency>,<TransID>,(<RefNr>,)<PayID>,<Status>,<Code>
FOOT,<CountRecords>,<SumAmount>

Key	Format	CND	Description	Beschreibung
Action	a..20	M	The parameter Action defines the type of transaction: Credit	Der Action-Parameter definiert die Art der Transaktion: Credit (Gutschrift)

Description of result parameters within the record for Batch files