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简体中文

GooglePay Periodic Subscription - Merchants Manage Subscription Plans ​

This document describes the steps for integrating Google Pay with recurring subscription plans managed by merchants, specifically including: binding the payment method, obtaining the result of binding the payment method, initiating the direct debit, and obtaining the direct debit result, etc.

1. Front-End Interaction ​

Note:

In Cashier Mode, when Merchant Manages Subscription Plans, subscription plan details will not be displayed on the PayerMax cashier; and due to Google Pay restrictions, Google Pay will only display subscription plans for the European Economic Area (EEA). Payment button will be displayed in non-EEA regions.

2. Preparation Items ​

According to the guidance in "Configuration and Signature" , obtain the merchant self-service platform account, obtain the merchant appId and secret key, configure the asynchronous notification address, and configure the public key and private key.

3. Binding the Payment Method ​

Core parameter description:

  • totalAmount: The transaction amount, which supports passing 0 or an amount greater than 0;

  • paymentDetail.mitType: The auto debit type, SCHEDULED indicates periodic subscription, and UNSCHEDULED indicates non-periodic auto debit;

  • paymentDetail.tokenForFutureUse: true/false, whether to generate a token for subsequent direct debits; when binding the payment method for the first time, this value should be passed as true;

  • paymentDetail.merchantInitiated: true/false, whether it is a transaction initiated by the merchant; when binding the payment method for the first time, the user needs to participate in completing the authentication or authorization, and the value should be passed as false.

  • mitManagementUrl: The address where merchants manage subscription plans. Users can access this address to manage subscription plans, such as canceling a subscription;

  • subscriptionPlan: Subscription plan information;

  • Amount Matching:

    • If the subscriptionPlan includes the trial period parameter trialConfig, then totalAmount must match trialConfig.amount;

    • If the subscriptionPlan does not include the trial period parameter trialConfig, but includes the promotional period parameter trialPeriodConfig, then totalAmount must match trialPeriodAmount.amount;

    • If the subscriptionPlan includes neither trialConfig nor trialPeriodConfig, then totalAmount must be consistent with periodAmount.amount.

3.1 Binding the Payment Method Using the PayerMax Payment Cashier ​

For the interface document of binding the payment method in the Checkout mode, please refer to the Checkout - Place Order API. The request addresses for different environments are as follows:

When the transaction amount is greater than 0 yuan, the request parameter example is as follows:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "bbd8d2639a7c4dfd8df7d005294390df",
  "merchantNo": "020113838535952",
  "data": {
    "outTradeNo": "APIFOXDEV1745388079422", // Required, merchant's unique order number for the transaction
    "subject": "Deduction Title", // Title
    "totalAmount": 10, // Deduction amount
    "country": "US",
    "currency": "USD", // Deduction currency
    "userId": "test1111", // User ID
    "language": "en",
    "reference": "test subscription",
    "frontCallbackUrl": "http://www.frontCallbackUrl.com",
    "notifyUrl": "http://www.notifyUrl.com",
    "integrate": "Hosted_Checkout", // Fixed value: Hosted_Checkout
    "expireTime": "1800",
    "subscriptionPlan": { // Subscription information
        "subject": "subject",
        "description": "PMMAX First Periodic Payment.",
        "totalPeriods": 12,
        "periodRule": {
            "periodUnit": "M", // Payment frequency: Monthly (M), Daily (D), Weekly (W), Yearly (Y)
            "periodCount": 1 // Payment every 1 month
        },
        "periodAmount": { // Fixed period payment amount
            "amount": 20,
            "currency": "USD"
        },
        "trialPeriodConfig": { // Promotional period rules
            "trialPeriodCount": 1, // Number of promotional periods
            "trialPeriodAmount": { // Promotional period payment amount
                "amount": 10,
                "currency": "USD"
            }
        },
        // Trial period parameters, optional. If `trialConfig` is included, the fields below are required.
        "trialConfig": {
            "trialAmount": { // Trial period amount
                "amount": 0.99, // Amount must be >= 0. amount=0 indicates a free trial, amount>0 indicates a low-price trial.
                "currency": "USD"
            },
            "trialDays": 7 // Trial days, must be greater than 0
        }
    },
    "mitManagementUrl": "http://your.subscription.com",
    "paymentDetail": {
      "paymentMethodType": "GOOGLEPAY", // Required, value must be GOOGLEPAY
      "mitType": "SCHEDULED", // Required, MIT type. Use SCHEDULED for periodic deductions, UNSCHEDULED for non-periodic deductions.
      "tokenForFutureUse": true, // Required, value is true to generate paymentTokenID for future deductions
      "merchantInitiated": false, // Required, false indicates user participation is required; true indicates merchant-initiated deduction without user involvement
      "buyerInfo": {
            "firstName": "Deborah",
            "lastName": "Swinstead",
            "email": "your@gmail.com",
            "phoneNo": "0609 031 114",
            "address": "Test Address",
            "city": "Holden Hill",
            "region": "SA",
            "zipCode": "5088",
            "clientIp": "211.52.321.225",
            "userAgent": "Mozilla/5.0 (iPad; CPU OS 18_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/22E252 [FBAN/FBIOS;FBAV/513.1.0.55.90;FBBV/735017191;FBDV/iPad13,16;FBMD/iPad;FBSN/iPadOS;FBSV/18.4.1;FBSS/2;FBID/tablet;FBLC/en_GB;FBOP/5;FBRV/737247184]"
        }
    }
  }
}

When the transaction amount is 0, the request parameter example is as follows:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "bbd8d2639a7c4dfd8df7d005294390df",
  "merchantNo": "020113838535952",
  "data": {
    "outTradeNo": "APIFOXDEV1745388079422", // Required, merchant's unique order number for the transaction
    "subject": "Deduction Title", // Title
    "totalAmount": 0, // Deduction amount
    "currency": "USD", // Deduction currency
    "userId": "test1111", // User ID
    "language": "en",
    "reference": "test subscription",
    "frontCallbackUrl": "http://www.frontCallbackUrl.com",
    "notifyUrl": "http://www.notifyUrl.com",
    "integrate": "Hosted_Checkout", // Fixed value: Hosted_Checkout
    "expireTime": "1800",
    "subscriptionPlan": { // Required, subscription information
        "subject": "subject",
        "description": "PMMAX First Periodic Payment.",
        "totalPeriods": 12,
        "periodRule": {
            "periodUnit": "M", // Payment frequency: Monthly (M), Daily (D), Weekly (W), Yearly (Y)
            "periodCount": 1 // Payment every 1 month
        },
        "periodAmount": { // Fixed period payment amount
            "amount": 20,
            "currency": "USD"
        },
        "trialPeriodConfig": { // Promotional period rules
            "trialPeriodCount": 1, // Number of promotional periods
            "trialPeriodAmount": { // Promotional period payment amount
                "amount": 10,
                "currency": "USD"
            }
        },
        // Trial period parameters, optional. If `trialConfig` is included, the fields below are required.
        "trialConfig": {
            "trialAmount": { // Trial period amount
                "amount": 0, // Amount must be >= 0. amount=0 indicates a free trial, amount>0 indicates a low-price trial.
                "currency": "USD"
            },
            "trialDays": 7 // Trial days, must be greater than 0
        }
    },
    "mitManagementUrl": "http://your.subscription.com", // Required
    "paymentDetail": {
      "paymentMethodType": "GOOGLEPAY", // Required, value must be GOOGLEPAY
      "mitType": "SCHEDULED", // Required, MIT type. Use SCHEDULED for periodic deductions, UNSCHEDULED for non-periodic deductions.
      "tokenForFutureUse": true, // Required, value is true to generate paymentTokenID for future deductions
      "merchantInitiated": false, // Required, false indicates user participation is required; true indicates merchant-initiated deduction without user involvement
      "buyerInfo": {
        "firstName": "Deborah",
        "lastName": "Swinstead",
        "email": "your@gmail.com",
        "phoneNo": "0609 031 114",
        "address": "Test Address",
        "city": "Holden Hill",
        "region": "SA",
        "zipCode": "5088",
        "clientIp": "211.52.321.225",
        "userAgent": "Mozilla/5.0 (iPad; CPU OS 18_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/22E252 [FBAN/FBIOS;FBAV/513.1.0.55.90;FBBV/735017191;FBDV/iPad13,16;FBMD/iPad;FBSN/iPadOS;FBSV/18.4.1;FBSS/2;FBID/tablet;FBLC/en_GB;FBOP/5;FBRV/737247184]"
      }
    }
  }
}

Example of the Response:

json
{
    "msg": "Success.",
    "code": "APPLY_SUCCESS",
    "data": {
        // PayerMax Checkout address
        "redirectUrl": "https://cashier-n-uat.payermax.com/static/processApiV2.html?tradeToken=T2025042306527802000033&integrate=DIRECT_API&country=UN&payRequestNo=20250423060120EP4366527897000250005&merchantId=010213834784554&merchantAppId=6666c8b036a24579974497c2f9a33333&token=902170aeaadb4621af8d9530398d0efa&orderLan=en&countryLan=en&strategyLan=LUBCO&pmaxLinkV=1",
        "outTradeNo": "APIFOXDEV1745388079422",
        "tradeToken": "T2025042306527802000033",
        "status": "PENDING"
    }
}

3.2 Binding the Payment Method in Direct API Mode ​

Merchants need to obtain payment elements from Google at the merchant's checkout counter. When calling PayerMax to bind the payment method, they need to decrypt the payment elements and send them to PayerMax to complete the binding.

For merchants' self-integration of Google Pay, please refer to: Google Pay - Direct API Mode Integration.

For the API document of binding the payment method in API mode, please refer to the Direct API Payment API. The request addresses for different environments are as follows:

Example of Request Parameters:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "bbd8d2639a7c4dfd8df7d005294390df",
  "merchantNo": "020113838535952",
  "data": {
    "outTradeNo": "APIFOXDEV1745388079422", // Required, merchant's unique order number for the transaction
    "subject": "Deduction Title", // Title
    "totalAmount": 10, // Deduction amount
    "currency": "USD", // Deduction currency
    "userId": "test1111", // User ID
    "language": "en",
    "reference": "test subscription",
    "frontCallbackUrl": "http://www.frontCallbackUrl.com",
    "notifyUrl": "http://www.notifyUrl.com",
    "integrate": "Direct_Payment", // Fixed value: Direct_Payment
    "expireTime": "1800",
    "terminalType": "WEB", // Terminal type: WEB, WAP or APP
    "osType": "ANDROID", // Operating system type: ANDROID or IOS
    "subscriptionPlan": { // Optional, subscription information
        "subject": "subject",
        "description": "PMMAX First Periodic Payment.",
        "totalPeriods": 12,
        "periodRule": {
            "periodUnit": "M", // Payment frequency: Monthly (M), Daily (D), Weekly (W), Yearly (Y)
            "periodCount": 1 // Payment every 1 month
        },
        "periodAmount": { // Fixed period payment amount
            "amount": 20,
            "currency": "USD"
        },
        "trialPeriodConfig": { // Promotional period rules
            "trialPeriodCount": 1, // Number of promotional periods
            "trialPeriodAmount": { // Promotional period payment amount
                "amount": 10,
                "currency": "USD"
            }
        },
        // Trial period parameters, optional. If `trialConfig` is included, the fields below are required.
        "trialConfig": {
            "trialAmount": { // Trial period amount
                "amount": 0, // Amount must be >= 0. amount=0 indicates a free trial, amount>0 indicates a low-price trial.
                "currency": "USD"
            },
            "trialDays": 7 // Trial days, must be greater than 0
        }
    },
    "mitManagementUrl": "http://your.subscription.com", // Optional
    "paymentDetail": {
      "paymentMethodType": "GOOGLEPAY", // Required, value must be GOOGLEPAY
      "mitType": "SCHEDULED", // Required, MIT type. Use SCHEDULED for periodic deductions, UNSCHEDULED for non-periodic deductions.
      "tokenForFutureUse": true, // Required, value is true to generate paymentTokenID for future deductions
      "merchantInitiated": false, // false indicates user participation is required; true indicates merchant-initiated deduction without user involvement
      "googlePayDetails": { // Required, Google Pay order parameters
        "authMethod": "PAN_ONLY", // CRYPTOGRAM_3DS 
        "pan": "4111111111111111", // Card number
        "expirationMonth": "12",
        "expirationYear": "2029",
        "cryptogram": "xxxxxxxxxxxx",
        "eciIndicator": "5",
        "description": "VISA 1234",
        "cardNetwork": "VISA",
        "cardHolderFullName": "zhangsan" // Required when pan_only is used
      },
      "buyerInfo": {
        "firstName": "Deborah",
        "lastName": "Swinstead",
        "email": "your@gmail.com",
        "phoneNo": "0609 031 114",
        "address": "Test Address",
        "city": "Holden Hill",
        "region": "SA",
        "zipCode": "5088",
        "clientIp": "211.52.321.225",
        "userAgent": "Mozilla/5.0 (iPad; CPU OS 18_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/22E252 [FBAN/FBIOS;FBAV/513.1.0.55.90;FBBV/735017191;FBDV/iPad13,16;FBMD/iPad;FBSN/iPadOS;FBSV/18.4.1;FBSS/2;FBID/tablet;FBLC/en_GB;FBOP/5;FBRV/737247184]"
      }
    }
  }
}

Example of the Response:

Note:

When paymentDetail.googlePayDetails.authMethod=PAN_ONLY, the redirecUrl response parameter will return the 3DS verification address. When paymentDetail.googlePayDetails.authMethod=CRYPTOGRAM_3DS, the redirecUrl response parameter will not be returned.

json
// CRYPTOGRAM_3DS Response Parameters
{
    "msg": "Success.",
    "code": "APPLY_SUCCESS",
    "data": {
        "outTradeNo": "APIFOXDEV1745388079422",
        "tradeToken": "T2025042306527802000033",
        "status": "SUCCESS"
    }
}
json
// PAN_ONLY Response Parameters
{
    "msg": "Success.",
    "code": "APPLY_SUCCESS",
    "data": {
        // 3ds address
        "redirectUrl": "https://cashier-n.payermax.com/index.html#/cashier/home?merchantId=020213827212251&merchantAppId=3b242b56a8b64274bcc37dac281120e3&country=ID&tradeToken=TOKEN20220117091121294138752&language=en&token=IHjqkZ8%2F%2FFcnfDPxWTvJFOrulUAKfXFUkxHJSiTdlnjnX1G6AOuTiSl6%2BN05EzxTaJkcSsSyGh5a1q%2FACwWN0sDD%2FgwY5YdWu3ghDcH2wqm%2BJIcEh0qZqo%2BQFnXp65bvkLZnY7VO7HwZGzyrpMBlPhfRCQxwBbc6lJcSYuPf%2Fe8%3D&amount=10000¤cy=IDR&frontCallbackUrl=https%3A%2F%2Fwww.payermax.com",
        "outTradeNo": "APIFOXDEV1745388079422",
        "tradeToken": "T2025042306527802000033",
        "status": "SUCCESS"
    }
}

3.3 Binding the Payment Method Using the Front-end Component ​

For binding the payment method using the front-end component, the merchant needs to complete the integration through two steps. For details, please refer to: Integration Process.

When binding the payment method using the front-end component, the merchant's server needs to call two API interfaces provided by PayerMax: Apply Drop-in Session API and Front-end Component Payment API. The request addresses of the Apply Drop-in Session interface in different environments are as follows:

Merchant client integration example:

js
// Get clientKey and sessionKey
const data = await post("applyDropinSession", {
    // Notify the server that this is a subscription payment?
    ...params
})
// Create Google Pay view
googlepay = PMdropin.create('googlepay', {
  clientKey: data.clientKey,
  sessionKey: data.sessionKey,
  theme: yourTheme,
  payButtonStyle: data.yourPayButtonStyle,
  sandbox: data.yourFrameEnv
})
// Mount to DOM
googlepay.mount('.frame-googlepay')
// Load event - check if successfully loaded
googlepay.on('load', (res = {}) => {
      const { code, msg } = res || {};
      if(code === "SUCCESS"){
        console.log('[merchant][load]success:', res)
      }else{
        console.log('[merchant][load]fail:', res)
      }
})
// Listen for Google Pay button click event. When users select a subscription plan and click the Google Pay button, this event can be used to monitor it.
googlepay.on('payButtonClick', (res) => {
    // Disable Google Pay button click state
     googlepay.emit('setDisabled', true)
     // Must pass subscriptionPlan and mitManagementUrl;
     googlepay.emit('canMakePayment', { 
         // subscriptionPlan is required for periodic subscriptions
          subscriptionPlan: {
            "subject": "subject",
            "description": "PMMAX First Periodic Payment.",
            "totalPeriods": 12,
            "periodRule": {
                "periodUnit": "M", // Payment frequency: Monthly (M), Daily (D), Weekly (W), Yearly (Y)
                "periodCount": 1 // Payment every 1 month
            },
            "periodAmount": { // Fixed period payment amount
                "amount": 404.35,
                "currency": "SAR"
            },
            "trialPeriodConfig": { // Promotional period rules
                "trialPeriodCount": 1, // Number of promotional periods
                "trialPeriodAmount": { // Promotional period payment amount
                    "amount": 10,
                    "currency": "SAR"
                }
            },
            // Trial period parameters, optional. If `trialConfig` is included, the fields below are required.
            "trialConfig": { 
                "trialAmount": { // Trial period amount
                    "amount": 0.99, // Amount must be >= 0. amount=0 indicates a free trial, amount>0 indicates a low-price trial.
                    "currency": "USD"
                },
                "trialDays": 7 // Trial days, must be greater than 0
            }
        },
        mitManagementUrl: "http://www.xxx.com"
     })
      .then(res => {
        console.log('canMakePayment', res)
        const paymentToken = res?.data?.paymentToken 
        data.paymentToken = paymentToken // Encrypted token
        if(paymentToken){
          // Call PayerMax orderAndPay API to initiate payment
          orderAndPay()
        }else{
            // If parameters do not meet the format requirements, an error message will be thrown here
            // Error response example: { code: "MIT_PARAMS_VALIDATION_ERROR", message: "xxx is required" }
          _payLog(JSON.stringify(res))  
          googlepay.emit('setDisabled', false)
        }
      })
      .catch(err => {
         // If validation fails, report a clear error. TODO
        console.log('canMakePayment catch', err)
        googlepay.emit('payFail')
        googlepay.emit('setDisabled', false)
        _payLog(JSON.stringify(err))      
      })
})

Example of Input Parameters for the Apply Drop-in Session Request:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "3b242b56a8b64274bcc37dac281120e3",
  "merchantNo": "020213827212251",
  "data": {
    "totalAmount": "10", // Direct debit amount
    "mitType": "SCHEDULED", // Required, value is SCHEDULED or UNSCHEDULED
    "currency": "USD", // Required
    "country": "SA", // Not required
    "userId": "U10001", // Required, user ID
    "componentList": [ // Required, payment methods supported by the component
      "GOOGLEPAY"
    ]
  }
}

Example of the Response:

json
{
  "code": "APPLY_SUCCESS",
  "msg": "Success.",
  "data": {
    "clientKey": "37114858239eur2384237r810482390",
    "sessionKey": "bdsf8982348974hhf82934bf8239424"
  }
}

The request addresses for different environments of the front-end component Payment interface are as follows:

Example of Request Parameters:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "bbd8d2639a7c4dfd8df7d005294390df",
  "merchantNo": "020113838535952",
  "data": {
    "outTradeNo": "APIFOXDEV1745388079422", // Required, merchant's unique order number for the transaction
    "subject": "Deduction Title", // Title
    "totalAmount": 10, // Deduction amount
    "currency": "USD", // Deduction currency
    "userId": "test1111", // User ID
    "language": "en",
    "reference": "test mit",
    "frontCallbackUrl": "http://www.frontCallbackUrl.com",
    "notifyUrl": "http://www.notifyUrl.com",
    "integrate": "Direct_Payment", // Fixed value: Direct_Payment
    "expireTime": "1800",
    "terminalType": "WEB", // Terminal type: WEB, WAP or APP
    "osType": "ANDROID", // Operating system type: ANDROID or IOS
    "subscriptionPlan": { // Optional, subscription information
        "subject": "subject",
        "description": "PMMAX First Periodic Payment.",
        "totalPeriods": 12,
        "periodRule": {
            "periodUnit": "M", // Payment frequency: Monthly (M), Daily (D), Weekly (W), Yearly (Y)
            "periodCount": 1 // Payment every 1 month
        },
        "periodAmount": { // Fixed period payment amount
            "amount": 20,
            "currency": "USD"
        },
        "trialPeriodConfig": { // Promotional period rules
            "trialPeriodCount": 1, // Number of promotional periods
            "trialPeriodAmount": { // Promotional period payment amount
                "amount": 10,
                "currency": "USD"
            }
        },
        // Trial period parameters, optional. If `trialConfig` is included, the fields below are required.
        "trialConfig": {
            "trialAmount": { // Trial period amount
                "amount": 0.99, // Amount must be >= 0. amount=0 indicates a free trial, amount>0 indicates a low-price trial.
                "currency": "USD"
            },
            "trialDays": 7 // Trial days, must be greater than 0
        }
    },
    "mitManagementUrl": "http://your.subscription.com", // Optional
    "paymentDetail": {
      "paymentToken": "CPT4f200d278f3a454b9e91c81edc641e2b", // Required
      "sessionKey": "bdsf8982348974hhf82934bf8239424", // Required
      "mitType": "SCHEDULED", // Required, MIT type. Use SCHEDULED for periodic deductions, UNSCHEDULED for non-periodic deductions.
      "tokenForFutureUse": true, // Required, value is true to generate paymentTokenID for future deductions
      "merchantInitiated": false, // Required, false indicates user participation is required; true indicates merchant-initiated deduction without user involvement
      "buyerInfo": {
        "firstName": "Deborah",
        "lastName": "Swinstead",
        "email": "your@gmail.com",
        "phoneNo": "0609 031 114",
        "address": "Test Address",
        "city": "Holden Hill",
        "region": "SA",
        "zipCode": "5088",
        "clientIp": "211.52.321.225",
        "userAgent": "Mozilla/5.0 (iPad; CPU OS 18_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/22E252 [FBAN/FBIOS;FBAV/513.1.0.55.90;FBBV/735017191;FBDV/iPad13,16;FBMD/iPad;FBSN/iPadOS;FBSV/18.4.1;FBSS/2;FBID/tablet;FBLC/en_GB;FBOP/5;FBRV/737247184]"
      }
    }
  }
}

Example of the Response:

json
{
  "code": "APPLY_SUCCESS",
  "msg": "",
  "data": {
    "outTradeNo": "P1642410680681",
    "tradeToken": "T2024062702289232000001",
    "status": "SUCCESS"
  }
}

4. Obtaining the Result of Binding the Payment Method ​

Merchants can receive the result of binding the payment method through the notifyUrl address provided when binding the payment method. For the detailed result message, please refer to: Result Notifications API.

Example of notification parameters for successful binding of the payment method:

json
{
    "appId": "d68f5da6a0174388821a64114c6b322c",
    "code": "APPLY_SUCCESS",
    "data": {
        "channelNo": "TPC425300174064927201759000685",
        "completeTime": "2025-02-27T09:41:12.267Z",
        "country": "UN",
        "currency": "USD",
        "outTradeNo": "20250227174104451122388",
        "paymentDetails": [
            {
                "googlePayInfo": {
                    "cardIdentifierNo": "123456******1234"
                },
                "paymentMethodType": "GOOGLEPAY",
                "paymentTokenID": "PMTOKEN20250227071843552050007000094"
            }
        ],
        "reference": "reference",
        "status": "SUCCESS",
        "thirdChannelNo": "mtjxuvedrz58345",
        "totalAmount": 10,
        "tradeToken": "T2025022709425329000091"
    },
    "keyVersion": "1",
    "merchantNo": "P01010118267336",
    "msg": "Success.",
    "notifyTime": "2025-02-27T09:41:12 +0000",
    "notifyType": "PAYMENT"
}

After the payment method is successfully bound, PayerMax will generate a paymentTokenID, which needs to be used for subsequent direct debits.

Example of notification parameters for failed binding of the payment method:

json
{
    "appId": "d68f5da6a0174388821a64114c6b322c",
    "code": "PAYMENT_FAILED",
    "data": {
        "channelNo": "TPC462800174064934688659000687",
        "completeTime": "2025-02-27T09:44:00.216Z",
        "country": "UN",
        "currency": "USD",
        "outTradeNo": "20250227174218727122389",
        "paymentDetails": [
            {
                "googlePayInfo": {
                    "cardIdentifierNo": "123456******1234"
                },
                "paymentMethodType": "GOOGLEPAY",
            }
        ],
        "reference": "reference",
        "status": "FAILED",
        "thirdChannelNo": "dycbhzfsmz69480",
        "totalAmount": 10,
        "tradeToken": "T2025022709462829000092"
    },
    "keyVersion": "1",
    "merchantNo": "P01010118267336",
    "msg": "Provider failed to process.",
    "notifyTime": "2025-02-27T09:44:00 +0000",
    "notifyType": "PAYMENT"
}

5. Initiating a Auto Debit ​

Parameter description:

  • totalAmount: The transaction amount must be greater than 0;

  • integrate: Pass the fixed value Direct_Payment;

  • paymentDetail.mitType: The direct debit type, SCHEDULED is for periodic subscription, and UNSCHEDULED is for non-periodic auto debit;

  • paymentDetail.tokenForFutureUse: true/false, whether to generate a token for subsequent direct debits; for subsequent deductions, pass false or do not pass it;

  • paymentDetail.merchantInitiated: true/false, whether it is a transaction initiated by the merchant; for subsequent deductions, it is initiated by the merchant and the user does not need to participate, so pass the value as true.

  • paymentDetail.paymentTokenID: The Token returned by PayerMax after the binding method is successful.

For the API document of subsequent direct debits, please refer to the Direct API Payment API. The request addresses for different environments are as follows:

Example of Request Parameters:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T09:05:52.194+00:00",
  "appId": "bbd8d2639a7c4dfd8df7d005294390df",
  "merchantNo": "020113838535952",
  "data": {
    "outTradeNo": "APIFOXDEV1745388079422", // Required, merchant's unique order number for the transaction
    "subject": "Deduction Title", // Title
    "totalAmount": 10, // Deduction amount
    "currency": "SAR", // Deduction currency
    "country": "SA", // Required
    "userId": "test1111", // User ID
    "language": "en",
    "reference": "test subscription",
    "frontCallbackUrl": "http://www.frontCallbackUrl.com",
    "notifyUrl": "http://www.notifyUrl.com",
    "integrate": "Direct_Payment", // Fixed value: Direct_Payment
    "expireTime": "1800",
    "terminalType": "WEB", // Terminal type: WEB, WAP or APP
    "osType": "ANDROID", // Operating system type: ANDROID or IOS
    "subscriptionPlan": {
        "merchantSubscriptionNo": "xxxx", // Merchant's subscription plan ID
        "deductNo": "xxxx", // Unique deduction number for the current period. For multiple retries of the same period deduction, this number should remain consistent.
        "currentPeriod": 2, // Current period number
        "totalPeriods": 36, // Total number of periods
        "startTime": "2026-01-01", // Start time of the current period
        "endTime": "2026-01-31" // End time of the current period
    },
    "paymentDetail": {
      "paymentMethodType": "GOOGLEPAY", // Required, value must be GOOGLEPAY
      "mitType": "SCHEDULED", // Required, MIT type. Use SCHEDULED for periodic deductions, UNSCHEDULED for non-periodic deductions.
      "tokenForFutureUse": false, // Optional, value is true to generate paymentTokenID for future deductions
      "merchantInitiated": true, // Required, false indicates user participation is required; true indicates merchant-initiated deduction without user involvement
      "paymentTokenID": "PMTOKEN20230424072005899168200035002", // Token value returned by PayerMax to the merchant after the first successful deduction
      "buyerInfo": {
        "firstName": "Deborah",
        "lastName": "Swinstead",
        "email": "your@gmail.com",
        "phoneNo": "0609 031 114",
        "address": "Test Address",
        "city": "Holden Hill",
        "region": "SA",
        "zipCode": "5088",
        "clientIp": "211.52.321.225",
        "userAgent": "Mozilla/5.0 (iPad; CPU OS 18_4_1 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Mobile/22E252 [FBAN/FBIOS;FBAV/513.1.0.55.90;FBBV/735017191;FBDV/iPad13,16;FBMD/iPad;FBSN/iPadOS;FBSV/18.4.1;FBSS/2;FBID/tablet;FBLC/en_GB;FBOP/5;FBRV/737247184]"
      }
    }
  }
}

Example of the Response:

json
{
    "msg": "Success.",
    "code": "APPLY_SUCCESS",
    "data": {
        "outTradeNo": "APIFOXDEV1745388079422",
        "tradeToken": "T2025042306527802000033",
        "status": "SUCCESS"
    }
}

6. Obtaining the Direct Debit Result ​

Whether it is binding the payment method or subsequent direct debits, after the deduction is successful or fails, PayerMax will notify the merchant of the deduction result, and the merchant can also actively query the direct debit result.

6.1 Obtaining the Payment Result Using a Callback ​

Merchants can receive the payment result through the notifyUrl address provided during payment. For the detailed notification message, please refer to: Result Notifications API.

Example of notification parameters for successful auto debit:

json
{
    "appId": "d68f5da6a0174388821a64114c6b322c",
    "code": "APPLY_SUCCESS",
    "data": {
        "channelNo": "TPC425300174064927201759000685",
        "completeTime": "2025-02-27T09:41:12.267Z",
        "country": "US",
        "currency": "USD",
        "outTradeNo": "20250227174104451122388",
        "paymentDetails": [
            {
                "googlePayInfo": {
                    "cardIdentifierNo": "123456******1234"
                },
                "paymentMethodType": "GOOGLEPAY",
                "paymentTokenID": "PMTOKEN20250227071843552050007000094"
            }
        ],
        "reference": "reference",
        "status": "SUCCESS",
        "thirdChannelNo": "mtjxuvedrz58345",
        "totalAmount": 10,
        "tradeToken": "T2025022709425329000091"
    },
    "keyVersion": "1",
    "merchantNo": "P01010118267336",
    "msg": "Success.",
    "notifyTime": "2025-02-27T09:41:12 +0000",
    "notifyType": "PAYMENT"
}

Example of notification parameters for failed auto debit:

json
{
    "appId": "d68f5da6a0174388821a64114c6b322c",
    "code": "PAYMENT_FAILED",
    "data": {
        "channelNo": "TPC462800174064934688659000687",
        "completeTime": "2025-02-27T09:44:00.216Z",
        "country": "US",
        "currency": "USD",
        "outTradeNo": "20250227174218727122389",
        "paymentDetails": [
            {
                "googlePayInfo": {
                    "cardIdentifierNo": "123456******1234"
                },
                "paymentMethodType": "GOOGLEPAY",
            }
        ],
        "reference": "reference",
        "status": "FAILED",
        "thirdChannelNo": "dycbhzfsmz69480",
        "totalAmount": 10,
        "tradeToken": "T2025022709462829000092"
    },
    "keyVersion": "1",
    "merchantNo": "P01010118267336",
    "msg": "Provider failed to process.",
    "notifyTime": "2025-02-27T09:44:00 +0000",
    "notifyType": "PAYMENT"
}

After receiving the notification result, the correct code and message need to be responded to PayerMax. Otherwise, PayerMax will think that the merchant has not received the notification message normally and will retry the notification 6 times.

Example of Merchant Response Parameters:

json
{
  "msg": "Success",
  "code": "SUCCESS"
}

6.2 Obtaining the Payment Result Using a Query ​

For the API document of obtaining the payment result, please refer to the Transaction Inquiry API. The request addresses for different environments are as follows:

Example of request parameters for querying the auto debit result:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-17T07:51:15.597+00:00",
  "appId": "a0dddd1f622243cb9aa1b676e808b5f8",
  "merchantNo": "02021382719993",
  "data": {
    "outTradeNo": "P1642410680681"
  }
}

Example of response parameters for querying the auto debit result:

json
{
  "msg": "Success.",
  "code": "APPLY_SUCCESS",
  "data": {
    "reference": "Reference query and callback return",
    "country": "SA",
    "totalAmount": 10,
    "outTradeNo": "P1642410680681",
    "currency": "USD",
    "channelNo": "DMCP000000000177005",
    "thirdChannelNo": "4ikqJ6ktEqyRawE1dvqb9c",
    "paymentCode": "2312121212",
    "tradeToken": "T2024062702289232000001",
    "completeTime": "2023-10-20T03:28:23.092Z",
    "paymentDetails": [
      {
        "targetOrg": "*",
        "googlePayInfo": {
            "cardIdentifierNo": "123456******1234"
        },
        "paymentMethodType": "GOOGLEPAY",
        "paymentTokenID": "PMTOKEN20250224063712195626335000250",
        "payAmount": 10,
        "exchangeRate": "1",
        "payCurrency": "USD"
      }
    ],
    "status": "SUCCESS",
    "resultMsg": ""
  }
}

7. Unbinding the Payment Method ​

After the user cancels the auto debit, the merchant needs to unbind the payment method for the user. For the API document of unbinding the payment method, please refer to removePaymentToken API. The request addresses for different environments are as follows:

Example of Request Parameters:

json
{
  "version": "1.5",
  "keyVersion": "1",
  "requestTime": "2022-01-22T10:00:00.500+08:00",
  "appId": "46153e2b787241ae8b01857bb087d1bd",
  "merchantNo": "010229810189301",
  "data": {
    "userId": "TEST",
    "paymentTokenID": "PMTOKEN20230424072005899168200035002",
    "removeReason": "remove"
  }
}

Example of the Response:

json
{
  "code": "APPLY_SUCCESS",
  "msg": "Success",
  "data": {
    "paymentTokenID": "PMTOKEN20230424072005899168200035002",
    "userId": "Test",
    "paymentTokenStatus": "Deleted"
  }
}

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