Pay-In-3 Details

“Pay in 3” is a part payment product. Please also see our How BNPL Works: Pay-in-3 page for more product details.

This page describes the techincal integration of the payment method “Pay in 3”. If you are using one of our plugins to connect, then this integration is already part of the plugin. The plugin documentation describes the way to activate "Pay in 3". Plugins that support the "Pay in 3" payment method are: Magento 2, Woocommerce and Shopware 6.

A general explanation about the communication with the Riverty REST API can be found in our Direct Integration guide.

Requirements

The payment method Pay in 3 is only available through the Riverty REST API.
- API specs can be found here on: Swagger UI
Pay in 3 is only available in the Netherlands
The minimum amount to authorize a payment with Pay in 3 is 30€, so also partial captures less than 30€ are not supported

Sequence Diagram

This sequence diagram explains the interaction between consumer, shop and the Riverty API.

Implementation in the Available Payment Methods request

If the payment method ‘Pay in 3’ is activated for the merchant, then the payment method will be included in the response of the available payment method request.

Note: We advice to make use of the “available payment method” request prior to the “authorization” request. To be sure that the payment method is available for the consumer and avoid unnecessary rejections. But technically this is not a requirement. An authorization with the type “Pay-in-3” can be placed without information from the “available payment method” request.

The payment method can be recognized on the element “type”, which should be “PayinX”.

The element “legalInfo”, contains all the legal information that should be shown in the checkout. If the element “requireCustomerConsent” is “true”, then the customer should be required to check a checkbox. The element “text” contains the information to be shown in the checkout, including the URL’s for the terms and conditions and the privacy statement.

The element “payInX” contains the specific information for the offer.

An example of this is:

    
        {
 "paymentMethods": [
  {
   "type": "PayinX",
   "legalInfo": {
    "requiresCustomerConsent": true,
    "termsAndConditionsUrl": "https://documents.myafterpay.com/consumer-terms-and-conditions/nl_nl/60994/payinx",
    "privacyStatementUrl": "https://documents.myafterpay.com/privacy-statement/nl_nl/60994",
    "text": "I have read the..."
   },
   "payInX": [
    {
     "installmentNumber": 1,
     "dueDate": "2022-08-30T10:21:15.737Z",
     "dueAmount": 11.66
    },
    {
     "installmentNumber": 2,
     "dueDate": "2022-09-30T10:21:15.737Z",
     "dueAmount": 11.66
    },
    {
     "installmentNumber": 3,
     "dueDate": "2022-10-29T10:21:15.737Z",
     "dueAmount": 11.66
    }
   ]
  }
 ]
}

Implementation in the Authorization request

The only change for the authorization request is the payment type, which should be set to “payInX”.

    
        {
 "payment": {
  "type": "payInX"
 },
 "customer": {
  "salutation": "Mr",
  "customerCategory": "Person",
  "address": {
   "postalPlace": "Heerenveen",
   "streetNumber": "90",
   "countryCode": "NL",
   "postalCode": "8441 ER",
   "street": "KR Poststraat"
  },
  "email": "tester@riverty.com",
  "firstName": "Herman",
  "conversationLanguage": "NL",
  "lastName": "De Tester",
  "birthdate": "1982-06-06",
  "riskData": {
   "ipAddress": "89.153.113.224"
  },
  "mobilePhone": "0632165487"
 },
 "order": {
  "number": "20180202031",
  "currency": "EUR",
  "items": [
   {
    "productId": "1",
    "description": "1 x Product 1",
    "quantity": 1,
    "grossUnitPrice": 30,
    "vatAmount": "0.0000",
    "vatPercent": 0
   },
   {
    "productId": "SHIPPING",
    "description": "Versandkosten",
    "quantity": 1,
    "grossUnitPrice": 5.95,
    "vatAmount": "0.0000",
    "vatPercent": 0
   }
  ],
  "totalGrossAmount": "35.95"
 }
}

User experience

The user experience for Pay in 3 is very much alike the the 14-day invoice payment method. This is an example of the Pay in 3 integration in Magento:

The title, tagline and legal information of the payment method can be retrieved from the “available payment method” call. When this “available payment method” is not used, then the following information should be used:

	English	Dutch
Title	Pay in 3	Betaal in 3
Tagline	Pay in 3 installments without interest	Betaal in 3 termijnen zonder rente
USP’s	- You pay in 3 installments of 30 days. - You can easily use iDEAL or bank transfer.	- Je betaalt in 3 termijnen van 30 dagen. - Je kunt eenvoudig gebruikmaken van iDEAL of bankoverschrijving.
Terms and conditions text	By entering your date of birth, you agree to our [Terms and Conditions] and our [Privacy Statement].	Met het invullen van je geboortedatum, geef je aan akkoord te gaan met onze [Algemene Voorwaarden] en ons [Privacy Statement].
URL terms and conditions	https://documents.riverty.com/terms_conditions/payment_methods/pay_in_3/nl_en/%7BmerchantId%7D	https://documents.riverty.com/terms_conditions/payment_methods/pay_in_3/nl_nl/%7BmerchantId%7D
URL privacy statement	https://documents.riverty.com/privacy_statement/checkout/nl_en	https://documents.riverty.com/privacy_statement/checkout/nl_nl

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