Transfer mode

Use case

Instead of paying the merchant using an ecard, payment will be done by sending money to the merchant using bank transfers. Once a purchase is validated from Pledg side, the full purchase amount will be transfered to the merchant at the end of the day (money should be received in the next 3 business days). If several purchases are made for a given merchant, they will be aggregated all together in one transfer.

Sequence diagram

Integration

This mode is particularly simple to deploy as there is strictly no configuration to be completed on the merchant backend or merchant PSP.

Result

The general principles of the result sent to the merchant frontend are detailed there.

The JSON contains the details of the transfer to be completed.

The structure of the JSON is the following:

{"purchase": {"meta_data": {"departure-date": "2022-03-30"},
              "reference": "PLEDG_6500735432411",
              "uid": "pur_c9299823-810e-4e8b-a7c3-bde856e6840c"}
}

Notification

The general principles of the notification sent to the merchant backend are detailed there.

The JSON contains the details of the transfer to be completed.

The structure of the JSON is the following:

{
   "reference":"purchase_reference",
   "created":"2020-09-17 15:00:02.052177",
   "transfer_order_item_uid":"tri_fasdkfiasfsd234nfs7f5d",
   "merchant_uid":"mer_e821ccca-7a16-45a7-8b00-0a6015e16123",
   "purchase_uid":"pur_6c48d42b-f29b-4f84-bee8-3cb2b964b600",
   "amount_cents":10000
}

If there is a secret in the configuration of the merchant, it is used to sign the notification body with JWT.

{
    "signature": "eyJhbGciOiJIUzI1NiIsInR5cCI6IkpXVCJ9.eyJyZWZlcmVuY2UiOiJwdXJjaGFzZV9yZWZlcmVuY2UiLCJjcmVhdGVkIjoiMjAyMC0wOS0xNyAxNTowMDowMi4wNTIxNzciLCJ0cmFuc2Zlcl9vcmRlcl9pdGVtX3VpZCI6InRyaV9mYXNka2ZpYXNmc2QyMzRuZnM3ZjVkIiwiYW1vdW50X2NlbnRzIjoxMDAwMH0.6ZhlvdcPgjwwBfxCrRpzaBGoRxTCoqtWJzFhB8pw4Ys"
}