Riverty

Riverty

Riverity supports consumers in purchasing the items they desire by providing them with the freedom to pay whenever and however they find it most convenient. This is achieved by separating the checkout and the post-purchase experience.

Invoice

Shoppers who choose Riverity’s invoice are subject to predefined payment terms to pay the invoice and shall pay the full purchase amount on the invoice due date. The due date is always calculated based on the dispatch date of the goods, not the purchase date.

The most common terms of payment are within 14 days after the purchase, which gives shoppers enough time to experience the goods before paying. The full purchase amount is to be paid by the due date.

Installment

Through its partial payment option, Riverity allows shoppers to pay a particular purchase over time, enabling them to make higher-order value purchases while limiting their monthly spending.

Riverity offers fixed installment plans with predefined maturities of 3, 6, 12, or 24 months. The Payment API determines which of these installment plans can be offered. The monthly amount to be paid in a fixed installment plan is the same during the entire plan.

Initialization

Riverity payment method can be initialized if the merchant sends AFTERPAY for parameter paymentType.

Init form example:

<form action='https://api.qenta.com/page/init.php' method='post' name='checkout' target='_self'>
  <input type='hidden' name='customerId' value='D200001' />
  <input type='hidden' name='language' value='en' />
  <input type='hidden' name='paymentType' value='AFTERPAY' />
  <input type='hidden' name='amount' value='300.00' />
  <input type='hidden' name='currency' value='EUR' />
  <input type='hidden' name='orderDescription' value='Order 12345 6789 0' />
  <input type='hidden' name='successUrl' value='https://your-online-shop.com/return.php' />
  <input type='hidden' name='cancelUrl' value='https://your-online-shop.com/return.php' />
  <input type='hidden' name='failureUrl' value='https://your-online-shop.com/return.php' />
  <input type='hidden' name='pendingUrl' value='https://your-online-shop.com/return.php' />
  <input type='hidden' name='confirmUrl' value='https://your-online-shop.com/confirm.php' />
  <input type='hidden' name='serviceUrl' value='https://your-online-shop.com/service.html' />
  <input type='hidden' name='requestFingerprintOrder' value='customerId,language,amount,currency,orderDescription,paymentType,successUrl, …​.. requestFingerprintOrder,secret' />
  <input type='hidden' name='requestFingerprint' value='…​' />
  <input type='hidden' name='consumerBillingFirstname' value='John' />
  <input type='hidden' name='consumerBillingLastname' value='Doe' />
  <input type='hidden' name='consumerEmail' value='email@email.com' />
  <input type='hidden' name='consumerBillingAddress1' value='Reininghausstraße 10' />
  <input type='hidden' name='consumerBillingZipCode' value='8020' />
  <input type='hidden' name='consumerBillingCity' value='Graz' />
  <input type='hidden' name='consumerBillingCountry' value='AT' />
  <input type='hidden' name='basketItem(1)ArticleNumber' value='0001' />
  <input type='hidden' name='basketItem(1)Description' value='item 1 description' />
  <input type='hidden' name='basketItem(1)Quantity' value='5' />
  <input type='hidden' name='basketItem(1)UnitGrossAmount' value='12.00' />
  <input type='hidden' name='basketItem(1)UnitNetAmount' value='10.00' />
  <input type='hidden' name='basketItem(1)UnitTaxAmount' value='2.00' />
  <input type='hidden' name='basketItem(n)UnitTaxRate' value='20.00' />
  <input type='submit' name='submit' value='Start Checkout'>
</form>

Authorization

When the customer on session chooses to take invoice or installment by Riverity, an authorization request has to be sent to QENTA Checkout Server with the necessary customer and basket details.

After completing the payment process, consumers are redirected to your online shop and receive relevant information on the result or state of the payment which is sent to the respective successUrl, cancelUrl, failureUrl or pendingUrl.

Parameters

The otherwise optional request parameters for consumer billing data are required.

In addition to these otherwise optional request parameters we also recommend that you send to Riverity consumer shipping data containing detailed information regarding your consumers.

Optional request parameter financialInstitution is required for QMORE Checkout Seamless.

Optional request parameter customerStatement and orderReference are more restricted with regard to their length and allowed characters than usual.

For further information about backend operation refer to the backend.

Order Flow Diagram

Image

To interpret this diagram, the successful completion of a NEW PAYMENT is assumed. Starting from this operation it’s possible to carry out different transaction-based operations.

For the explanation of the different status descriptions included in the diagram have a look at getOrderDetails.
You can find all possible states of transactions for all specific acquirers here.