Confirm

Last update: March 20, 2024

The confirmation service allows you to validate the financing/credit made by the customer.
When you receive confirmation validation, you can send the goods.

Workflow

To better understand the mechanics of payments confirmation at Oney, here is a sequence diagram to understand the workflow

Rules to respect before confirming

Before sending confirm to Oney system please be sure to :

• Have a credit file status at FAVORABLE
• Have the product in your stock (Oney cannot finance merchant stock)

Example of Confirm

Request

{
  "language_code": "FR",
  "merchant_request_id": "00100049766136043",
  "payment": {
    "payment_amount": 450
  }
}

Response

{
  "language_code": "EN",
  "purchase": {
    "status_code": "FUNDED",
    "status_label": "Transaction is completed"
  }
}

Consequences of confirmation

Customer :

• The customer is debited of the first installment (provision amount).

Merchant :

• The merchant receives payment (transfer) for the amount of the request.
• The merchant sends products to customer

Business rules

RULES FRANCE ONLY

• payment_amount field can contain a value lower than the initial payment.payment_amount value (sent with the payment request).
• Only one confirm call per payment is possible (the call cancels the rest of the order).
• Between 00h00 et 04h00 it is not possible to confirm an amount different than the original amount of the payment request.
• In case of error during partial or total confirm, the payment goes from FAVORABLE to REFUSED.

RULES OTHER COUNTRIES (PT, RO, IT, BE, SP)

• payment_amount field can contain a value lower than the initial payment.payment_amount value (sent with the payment request).
• Several confirm call per payment are possible (no limit)
• The customer will be charged only when the total amount will be confirmed. (a bank pre-authorization is made on the customer's account pending confirmation from the merchant)
• Each call must have an item_list according to the goods ready to be shipped.
• Each confirm call will generate a transfer to the merchant regarding the amount confirmed.