# PostFinance Checkout

## General Information

PostFinance Checkout is an online payment solution from PostFinance that allows you to offer your customers payment options with Visa, Mastercard, as well as Swiss payment methods such as PostFinance Card, PostFinance E-Finance, and TWINT.

### Links

* [Login](https://checkout.postfinance.ch/en-us/user/login) to PostFinance Checkout
* [Registration ](https://checkout.postfinance.ch/en-us/user/signup)with PostFinance Checkout
* PostFinance Checkout [Website](https://checkout.postfinance.ch/)
* PostFinance Checkout [Documentation](https://checkout.postfinance.ch/doc)

## Features

### Payment types

The following features are available in the Payrexx merchant administration panel:

* ✅ One-time payment
* ✅ Refund
* ❌ Partial refund
* ❌ Recurring payments (Subscription)
* ❌ Tokenization
* ❌ Pre-authorization

### Payment methods

* <img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FKguKfzSK08i3U6YGDMQ7%2Fcard_post-finance-card.svg?alt=media&#x26;token=1ccc6fff-ac02-421d-9153-629009c7d7fc" alt="" data-size="line"> Postfinance Card
* <img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FXhIiRfH6J3F4PNO0b7nA%2Fcard_post-finance-e-finance.svg?alt=media&#x26;token=4ada5e7a-4b38-42d7-8c26-4ee2fd3300e6" alt="" data-size="line"> Postfinance E-Finance
* <img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FKsR2LghD5Vps5DrcTKH1%2Fcard_twint.svg?alt=media&#x26;token=5244c3d1-e7e7-469c-b76b-67e164b5f615" alt="" data-size="line">  TWINT
* <img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2F81tYx0hCtVPKFJAJwdwT%2Fimage.png?alt=media&#x26;token=0343d789-92aa-4b48-8d96-cff8672a217f" alt="" data-size="line"> Mastercard
* <img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FDxWTMRlj5KI8oHYwCzgW%2Fimage.png?alt=media&#x26;token=53fba7c8-771e-479c-b6e4-1e506b4c25a7" alt="" data-size="line"> Visa

## Country Availability

PostFinance Checkout is exclusively available to merchants from :flag\_ch: Switzerland.

{% hint style="info" %}
Instead of activating PostFinance Checkout as an external payment provider, we recommend enabling the [PostFinance Pay](https://docs.payrexx.com/merchant/english/payment-provider/payrexx-pay/payment-methods/postfinance-pay) payment method within Payrexx Pay, which can be done with just one click.
{% endhint %}

However, if you still wish to use PostFinance Checkout, this guide will explain how to proceed.

## Setup

Please follow the instructions below to integrate PostFinance Checkout as an external payment provider in Payrexx.

### Configuration of Postfinance Checkout

* Log in to your PostFinance Checkout account.
* Create a new space and name it after your shop.
* Navigate to **Payment / Payment methods / E-Commerce** and configure the desired payment methods:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2F84DJodHz7xplZER7QhV4%2Fimage.png?alt=media&#x26;token=1c944ee9-e9e4-4ee8-8049-1c844e4498aa" alt=""><figcaption><p>Configuring payment methods in PostFinance Checkout</p></figcaption></figure></div>

{% hint style="info" %}
PostFinance does not automatically add Mastercard and Visa. Please add these payment methods manually and label them as "Mastercard" and "Visa".
{% endhint %}

* Navigate to **Settings > Integrations** and activate the **"Payrexx E-Commerce Tools"** extension by clicking the yellow button:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FDJQpIXNiq12uuX3qeCxD%2Fimage.png?alt=media&#x26;token=2ae99c7e-21d0-4567-8335-f0d778d34eba" alt="" width="463"><figcaption><p>Activating the Payrexx integration in PostFinance Checkout</p></figcaption></figure></div>

* Follow the instructions in the setup wizard and generate the three security keys.
* Make sure to securely store these three security keys, as you will need to enter them in Payrexx at a later step.
* Once the setup wizard is complete, the PostFinance Checkout test mode will be ready:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2F9NqB0QKnrSpxHsnkqEnk%2Fimage.png?alt=media&#x26;token=cb43d5c2-0362-4ee2-84d1-9c8bcb80c224" alt="" width="463"><figcaption><p>The activated Payrexx integration in PostFinance Checkout</p></figcaption></figure></div>

### Configuration of Payrexx

{% hint style="info" %}
Make sure you're [logged in](https://login.payrexx.com/) to your Payrexx account before you begin. If you don’t have a Payrexx account yet, you can [register](https://signup.payrexx.com/) now.
{% endhint %}

* Navigate to **Payment Providers** in the main menu of your Payrexx account.
* Click on "Show" under "Credit cards and debit cards".
* Click on "Setup" next to PostFinance Checkout:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2Fz4Ovj9ht9n8QKllM9793%2Fimage.png?alt=media&#x26;token=e49c64e7-9525-48ad-9310-385a919d919f" alt=""><figcaption><p>Starting the configuration of PostFinance Checkout in Payrexx</p></figcaption></figure></div>

* If you do not yet have a corresponding account with PostFinance, click "Yes." If you already have an account, click "No, not now":

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FjkFdUREstrQFSW9VEKLu%2Fimage.png?alt=media&#x26;token=8efa1772-94a6-4f37-8924-14c7384f0543" alt="" width="563"><figcaption><p>Option to create an account with PostFinance</p></figcaption></figure></div>

* If you clicked "Yes," you will be redirected to PostFinance, where you can create an account. If you clicked "No," you can make the desired settings in the following window:

#### Activation of PostFinance Checkout in test mode

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FWphCYNG8WW7WToXGXmUU%2Fimage.png?alt=media&#x26;token=7cd9cc27-3189-49a5-8b4d-91d75c80edcb" alt=""><figcaption><p>Configuration of PostFinance Checkout in Payrexx</p></figcaption></figure></div>

1. **Mode:** Enable the [test mode](https://docs.payrexx.com/merchant/english/payment/testing) for PostFinance Checkout.
2. **Payment methods:** Activate the desired payment methods by checking the corresponding boxes.
3. **Currencies:** Define the currencies you want to accept payments in.
4. **Productive account settings:** Leave these fields empty for now.
5. **Sandbox account settings:** Copy the Space ID (four-digit number after the name of the space), the application user ID, and the authentication key from the test mode (sandbox) in PostFinance Checkout into the corresponding fields.

{% hint style="info" %}
When copying this data, it is possible to accidentally include an extra space. Ensure that this does not happen to avoid any issues.
{% endhint %}

* Click "Save" to complete the configuration.

The test mode for PostFinance Checkout is now activated. In the following article, you will learn how to test the payment process:

{% content-ref url="../../../payment/testing" %}
[testing](https://docs.payrexx.com/merchant/english/payment/testing)
{% endcontent-ref %}

After completing the tests, you can activate the productive mode for PostFinance Checkout.

### Switching from Test Mode to Live Mode

After completing your tests, you can activate the payment solution in productive mode (live mode).

* Log in to your PostFinance Checkout account.
* Navigate to the **Contracts** section in the menu and finalize a contract for live payments.

{% hint style="info" %}
Once the productive mode is activated, you will receive a confirmation from PostFinance. This process can take up to 10 business days.
{% endhint %}

* Repeat the steps described in the [Activating PostFinance Checkout in test mode](#activation-of-postfinance-checkout-in-test-mode) section, with the following adjustments:
  * In the Mode field, select "Live".
  * Copy the Space ID, Application User ID, and Authentication Key for live mode from your PostFinance Checkout account into the Productive Account Settings fields.

{% hint style="success" %}
The setup of PostFinance Checkout as an external payment provider is now complete.
{% endhint %}

## Payment with PostFinance Checkout from the Customer's Perspective

* In the Payrexx checkout, the customer selects either PostFinance Card or PostFinance E-Finance:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FjqBDU8khRq0mW0oWkhAU%2Fimage.png?alt=media&#x26;token=fd3c6059-cfe9-4b4b-8923-194a37f69b05" alt="" width="332"><figcaption><p>Selection of desired payment method</p></figcaption></figure></div>

* The customer is redirected to the PostFinance website, where they choose whether to pay with the PostFinance App or with PostFinance Card:

<div align="left"><figure><img src="https://1455115231-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F-MYJhU4qriZCz_Wxs0T0-887967055%2Fuploads%2FwIEMqe7xDltMl40Dlm2k%2Fimage.png?alt=media&#x26;token=ebc8f2de-3d9c-4b33-bfba-75148bf12b89" alt=""><figcaption><p>Executing the payment on the PostFinance website</p></figcaption></figure></div>

* The customer follows the instructions and completes the payment.