Submit Debicheck
POST/api/entry/submitdebicheck
DebiCheck is an automatic payment authorization method in the South African financial sector. It allows borrowers to electronically confirm transactions for monthly automatic deductions from their bank accounts when signing a contract or agreeing to payments. This confirmation is typically done through the borrower's use of the bank's digital channels, such as card authorization via a point-of-sale terminal, ensuring that the bank cannot process automatic debit transactions without the borrower's explicit consent.
The purpose of DebiCheck is to enhance borrower control and transparency, prevent unauthorized automatic debits, and reduce fraud.
This solution provides a process for authentication via card swipe on a payment terminal.
The merchant backend calls this API, and the PayCloud server will send a message to the "WiseCashier" application on the payment terminal. This will activate the application, display the order for cashier confirmation, and guide the user through the DebiCheck authentication process. The specific flowchart is as follows:
Here is a Java code example
// Set application parameters and keys
private static final String APP_RSA_PRIVATE_KEY = "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";
private static final String GATEWAY_RSA_PUBLIC_KEY = "MIIBIjANBgkqhkiG9w0BAQEFAAOCAQ8AMIIBCgKCAQEA2m4nkQKyQAxJc8VVsz/L6qVbtDWRTBolUK8Dwhi9wH6aygA6363PVNEPM8eRI5W19ssCyfdtNFy6DRAureoYV053ETPUefEA5bHDOQnjbb9PuNEfT651v8cqwEaTptaxj2zujsWI8Ad3R50EyQHsskQWms/gv2aB36XUM4vyOIk4P1f3dxtqigH0YROEYiuwFFqsyJuNSjJzNbCmfgqlQv/+pE/pOV9MIQe0CAdD26JF10QpSssEwKgvKvnXPUynVu09cjSEipev5cLJSApKSDZxrRjSFBXrh6nzg8JK05ehkI8wdsryRUneh0PGN0PgYLP/wjKiqlgTJaItxnb/JQIDAQAB";
private static final String APP_ID = "wz715fc0d10ee9d156";
private static final String SANDBOX_GATEWAY_URL = "https://wiseasy-open.sg.wisepaycloud.com";
// Instantiate a client
OpenApiClient openapiClient = new OpenApiClient(APP_ID, SANDBOX_GATEWAY_URL, APP_RSA_PRIVATE_KEY, GATEWAY_RSA_PUBLIC_KEY);
// Build a request object, set parameters
DebicheckOrderCreateRequest request = new DebicheckOrderCreateRequest();
request.setMerchant_no("302100085224");
request.setTerminal_sn("WPHK002352000111");
request.setMessage_receiving_application("WISECASHIER");
request.setContract_reference_number("CRN20240809002");
request.setCreditor_name("Jack");
request.setDebtor_identification_number("8409100087084");
request.setMaximum_amount(12000.00);
request.setInstallment_amount(1000.00);
request.setAccount_no("9051737590");
request.setFirst_collection_date("2024-08-25");
request.setMonthly_collect_date("25");
request.setNotify_url("https://m.website.com/debicheck/notify/");
DebicheckOrderCreateResponse response;
try {
// Execute the request
response = openapiClient.execute(request);
} catch (OpenApiException e) {
// Handle network exceptions ......
// @TODO
System.err.println("\nrequest api error:" + e.getErrCode() + "->>" + e.getErrMsg());
return;
}
if (!response.isSuccess()) {
// Handle business exceptions ......
// @TODO
System.err.println("\napi execute error: " + JSON.toJSONString(response));
}
// Write your business code based on the API response ......
// @TODO
Request
Responses
- 200
success