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BancaNet Directo is an online banking solution from Banamex. When payers select BancaNet Directo as their payment method, they are redirected to their BancaNet Directo Online Banking site where they can transfer the money to the merchant account. The transfer is immediate and there is no support for subsequent operations, e.g., Void, Refund, etc.
BancaNet is a supported browser payment method. This page describes integration details specific to BancaNet Directo including how to set up an account with BancaNet Directo. For a general overview of browser payments, and how to integrate a browser payment method with the <<paymentGateway>>, see Implementing a Browser Payment Integration.
To use BancaNet Directo as a payment method:
During registration, you must specify the following data, which must be agreed upon with the <<paymentGateway>>.
Merchant Domain URL
: This is the source URL used to redirect the payer's browser to BancaNet Directo online banking website. Use https://test-bankalfalah.gateway.mastercard.com/api/bpui/bn/out/Merchant Destination URL
: This is the destination URL to which the payer's browser is redirected after successfully completing the payment at BancaNet Directo online banking website. Use https://test-bankalfalah.gateway.mastercard.com/api/bpui/bn/in/After registering with BancaNet, you need to provide the following BancaNet Directo account details to your payment service provider:
Using these details, your payment service provider will complete the configuration in Merchant Manager.
You can add BancaNet Directo to your integration using the following integration options.
If you are using the gateway's payment page (Hosted Checkout), BancaNet Directo will automatically be offered as a checkout option to your payers if:
For details, see Browser Payments via <<checkout>> Integration.
However, if you would like to support the Payment Reference Type "Capture Line A", you must provide the BancaNet fields when submitting the Create Checkout Session request to the gateway. Note that you must use API version 59 or higher when you submit this request.
URL | https://test-bankalfalah.gateway.mastercard.com/api/rest/version/72/merchant/{merchantId}/session |
HTTP Method | POST |
{ "apiOperation": "CREATE_CHECKOUT_SESSION", "interaction" : { "operation" : "AUTHORIZE", "merchant" : { "url" : "https://example.com", "name" : "CaptureLine_A_Test" } }, "order" : { "id": "test1239089", "currency" : "USD" }, "transaction": { "bancanet": { "merchantPaymentReference":"Testing", "paymentDueDate":"2022-01-30", "paymentReason": "pay@test" } } }
<<directPayment>> integration allows you to offer BancaNet Directo payment method on your own checkout page if you use <<webServicesIntegration>> version 11 or above.
To add BancaNet Directo to your <<directPayment>> integration, provide the following fields in the Initiate Browser Payment request in addition to the standard fields required for a Browser Payments via <<directPayment>> Integration.
sourceOfFunds.type
= BANCANET
transaction.bancanet.paymentDueDate
: (Optional) The date by when the payer should make the payment.transaction.bancanet.paymentReason
: (Optional) The reason for the payment, for example, "Pago de tarjeta". The reason is displayed to the payer on the BancaNet Directo website.transaction.bancanet.merchantPaymentReference
: (Optional) The payment reference for the payment. The gateway generates the payment reference based on the BancaNet payment reference type configured on your merchant profile; however, with some conditions. Payment Reference Type | Merchant Payment Reference | Condition |
---|---|---|
1 - Numerical | The gateway uses the MOD-97 algorithm to generate the payment reference. The MOD-97 algorithm uses the following data to compute the reference:
|
You must be configured on BancaNet for the MOD-97 algorithm. If not, BancaNet does not accept the payment reference sent by the gateway as a valid reference and rejects the payment. |
2 - Alphanumerical | ||
3 - Both Numerical and Alphanumerical | ||
4 - Capture Line A | The generation of the payment reference is not supported by the gateway. If you do not supply a value, the gateway rejects the payment. | - |
5 - Capture Line B | The gateway uses the Type Zero algorithm to generate the payment reference. The Type Zero algorithm uses the following data to compute the reference:
|
If you do not provide a value for the field "transaction.reference" and/or if you are not configured on BancaNet for the Type Zero algorithm, the gateway rejects the payment. |
URL | https://test-bankalfalah.gateway.mastercard.com/api/rest/version/72/merchant/{merchantId}/order/{orderid}/transaction/{transactionid} |
HTTP Method | PUT |
{ "apiOperation" : "INITIATE_BROWSER_PAYMENT", "browserPayment" : { "operation" : "PAY", "returnUrl" : "<returnURL>" }, "order" : { "amount" : "399", "currency" : "MXN" }, "sourceOfFunds" : { "type" : "BANCANET" }, "transaction" : { "reference": null, "bancanet" : { "merchantPaymentReference" : "131234345", "paymentReason" : "test" } } }
BancaNet Directo redirects the payer's browser to the return URL (provided by you when initiating the payment) only upon successful completion of the payment at the BancaNet Directo website. In any other case (for example, the payment is cancelled or the browser is lost after payment completion), BancaNet Directo does not return the browser to your website.
The table below shows the transaction response codes for the possible scenarios you may encounter after initiating a browser payment.
Initiate Browser Payment Response | What This Means... |
---|---|
response.gatewayCode=SUBMITTED result=SUCCESS |
Redirect the payer using the URL provided in the response. |
Retrieve Transaction/Retrieve Order Response | What This Means... |
response.gatewayCode=APPROVED result=SUCCESS |
The payment is successful. |
response.gatewayCode=UNKNOWN result=FAILURE |
The gateway was unable to find out if the payment was successful or not. |