1.2.11. MFO Scoring by NSPK¶
Making direct requests¶
MFO scoring allows to score card for purposes of MFO (Micro-Financial Organization).
MFO scoring flow¶
Merchant initiates request for MFO scoring by sending HTTPS POST request to the specified URL of the Merchant`s endpoint on gate.payneteasy.com. After that, Payneteasy system returns response with MFO scoring response data set.
MFO scoring URL¶
Each request is supposed to have its own unique client order ID. A request must be made using the HTTP POST method with UTF-8 encoding. Each parameter is to be supplied as a POST request parameter (using application/x-www-form-urlencoded).
Each request must be signed (see below). The signature must be put to X-Authorization request header.
A response is in JSON format (in UTF-8 encoding).
Request parameters¶
MFO scoring HTTP POST request body may have two different sets of parameters which are accepted by the system, as you may see below:
- card-ref-id or card-number
- client-order-id
Note
Request parameter name | Format | Description |
---|---|---|
card-ref-id | N{1-*} | the card-ref-id created earlier using create-card-ref call that can be used to find the specific card that is needed |
card-number | N{13-19} | Full card number |
client-order-id | N{1-*} | Client number in the system |
first-name | N{64} | First Name |
last-name | N{64} | Last Name |
middle-name | N{64} | Middle Name |
birth-date | 1982-07-31 | Client number in the system |
rating | N{4} | For example 0000 |
phone | N{11} | Customer’s full international phone number, including country code |
Response data¶
Note
Parameter name | Description |
---|---|
type | The type of response. May be async-response, validation-error, error. If type equals validation-error or error, error-message and error-code parameters contain error details. |
paynet-order-id | Order id assigned to the order by Payneteasy |
merchant-order-id | Merchant order id |
serial-number | Unique number assigned by Payneteasy server to particular request from the Merchant. |
error-message | If status is error this parameter contains the reason for decline or error details |
error-code | The error code is case of error status |
Scoring status¶
Merchant must use Scoring status API call to get the customer’s order transaction status. After any type of transaction is sent to Payneteasy server and order id is returned, Merchant should poll for transaction status. When transaction is processed on Payneteasy server side it returns it’s status back to Merchant and at this moment the Merchant is ready to show the customer transaction result, whether it’s approved or declined.
Scoring status request parameters¶
Status call parameters | Description |
---|---|
login | Merchant login name |
client_orderid | Merchant order identifier of the transaction for which the status is requested |
orderid | Order id assigned to the order by Payneteasy |
Scoring status request debug¶
normalized parameters |
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signature base string |
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signature |
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authorization header |
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Curl |
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|
Scoring status response data¶
Parameter name | Description |
---|---|
type | The type of response. May be status-response |
serial-number | Unique number assigned by Payneteasy server to particular request from the Merchant. |
status | The status code of the initial transaction. May be approved, declined, processing, error or filtered. It type equals filtered it means the transaction was considered fraudulent by Payneteasy Server. |
client-order-id | Client order id |
paynet-order-id | Order id assigned to the order by Payneteasy |
card-ref-id | ID generated by card-ref |
bin | First 6 digits of the card |
last-four-digits | Last 4 digits of the card |
bank-name | Card Bank Name |
scoring-service-request-id | Scoring service request ID |
scoring-service-response-id | Scoring service response ID |
score1 | Scoring score 1 |
score2 | Scoring score 2 |
score3 | Scoring score 3 |
scoring-service-response | Scoring service text response |
error-message | If status in declined, error, filtered this parameter contains the reason for decline |
error-code | The error code is case status in declined, error, filtered. |