Faster Payments System (SBP)

Payment flow

The Faster Payments System payment flow contains the following steps:

You initiate a payment request.
The system submits a request to the payment method provider. The Faster Payments System generates a QR-code used to complete a payment.
You get a response and redirect your customer to the received URL.
Your customer gets the payment QR-code and completes the payment.
You get a webhook notification about a payment status, if you send notification_url in the payment request.

This alternative payment method supports the following operations:

Payment

Request

Send a payment request with the following additional data:

object
A section of the payment method information.

type

required

string
sbp

Response

The payment response additionally contains the form section with the URL of a page with the QR-code. Redirect your customer to the URL received as a value of the form.action parameter.

Payment status query

Request

To check a status of the payment, send a transaction status query.

Response

The response contains the transaction status, a section of the payment method as well as other details related to the transaction according to the description of a transaction status query.

Refund

Request

To pay money back to the customer, send a refund request with the UID of the payment transaction.

Response

The response contains the status of the refund transaction as well as other relevant transaction details according to the description of a refund transaction.

IZ Integration option

Info

This integration option supports only RUB currency.

Payment

Payment flow

The customer initiates the payment on the merchant's website.
The merchant sends the payment request to PacoPay Service Provider.
PacoPay Service Provider sends parameters for building an HTML-form for the payment.
The merchant builds an HTML-form based on the parameters from the response. The lifespan of the link in the form.action parameter is 15 minutes.
The merchant redirects the customer to the form for completing the payment.
The customer confirms the payment.

Request

Send a payment request with the following additional data:

object

return_url

required

string
A URL to return the customer to when the transaction is completed.

object
A section of the payment method information.

type

required

string
sbp

object
A section of information about the customer.

email required	string The customer's email address.
phone required	string The customer's phone number without `+`.

Request example

{
  "request": {
    "amount": 10000,
    "currency": "RUB",
    "description": "description",
    "test": false,
    "tracking_id": "your_uniq_number",
    "return_url": "https://return-url",
    "customer": {
      "phone": "1234567890",
      "email": "[email protected]"
    },
    "method": {
      "type": "sbp"
    }
  }
}

Response

Build an HTML form based on the parameters in the form object. Redirect the customer to the form to finalize the payment.

Response example

{
    "transaction": {
        "uid": "19088621-95e0-4100-b0a8-1717c69a9600",
        "type": "payment",
        "status": "pending",
        "amount": 10000,
        "currency": "RUB",
        "description": "description",
        "created_at": "2024-07-03T12:21:16Z",
        "updated_at": "2024-07-03T12:21:16Z",
        "method_type": "sbp",
        "receipt_url": "https://dashboard.paco-pay.com/customer/transactions/19088621-95e0-4100-b0a8-1717c69a9600/863e4e14692a6698664f758c39177d6b2c03f8f3de6e233e1020d098a7b0428f",
        "payment": {
            "status": "pending",
            "gateway_id": 4163,
            "message": "Transaction was initialized."
        },
        "sbp": {
            "type": "sbp"
        },
        "customer": {
            "email": "[email protected]",
            "phone": "1234567890",
            "ip": null
        },
        "manually_corrected_at": null,
        "version": 0,
        "message": "Transaction was initialized.",
        "tracking_id": "your_uniq_number",
        "test": false,
        "billing_address": {
            "email": "[email protected]",
            "phone": "1234567890"
        },
        "additional_data": {
            "payment_method": {
                "type": "alternative"
            }
        },        
        "gateway": {
            "iframe": true
        },
        "form": {
            "action": "https://payment-page",
            "method": "POST",
            "fields": [
                {
                    "name": "amount",
                    "value": "100.00",
                    "type": "hidden"
                },
                {
                    "name": "amountcurr",
                    "value": "RUB",
                    "type": "hidden"
                },
                {
                    "name": "currency",
                    "value": "EXT",
                    "type": "hidden"
                },
                {
                    "name": "number",
                    "value": "a241a368c8hu9639786382d7592e34",
                    "type": "hidden"
                },
                {
                    "name": "description",
                    "value": "www.site.com",
                    "type": "hidden"
                },
                {
                    "name": "trtype",
                    "value": "1",
                    "type": "hidden"
                },
                {
                    "name": "phone",
                    "value": "0987654321",
                    "type": "hidden"
                },
                {
                    "name": "email",
                    "value": "[email protected]",
                    "type": "hidden"
                },
                {
                    "name": "account",
                    "value": "ACC041111",
                    "type": "hidden"
                },
                {
                    "name": "signature",
                    "value": "6A886FJ609RITN5960HIYK403D5170CA3EBB555",
                    "type": "hidden"
                }
            ]
        }
    }
}