Riverty 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.


Shoppers who choose Riverty’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.


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

Riverty 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.


Riverty 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='RIVERTY' />
  <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'>


When the customer on session chooses to take invoice or installment by Riverty, 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 the 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.


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

In addition to these optional request parameters, also is recommended to send Riverty consumer shipping data containing detailed information regarding consumers.

Optional request parameter financialInstitution is required for QMORE Checkout Seamless.

Optional request parameters customerStatement and orderReference are more restricted about their length and allowed characters than usual.

For further information about backend operation refer to the backend.

Order Flow Diagram

Two Step Transaction

Contact our integration specialists team to enable this workflow.

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.

All possible states of transaction for all specific acquirers can be found here.