PayFort has partnered with ValU in Egypt to offer consumer financing services. Now your customer's can purchase on short-term financing and repay the amount over a specific installment plan at an interest rate offered by ValU. Its simple and secure financing platform.

How it works?

  1. Customer verification

Your site sends request to verify whether the customer is a ValU registered customer or not. The customer's phone number is verified against the ValU registered user database. Based on the customer's phone number ValU's system validates whether customer is registered on its platform or not.

  1. OTP Generation

If your customer is already registered on the ValU' platform then on the checkout page the customer will provide the phone number. The ValU will generate OTP code and send it to the customer via SMS.

  1. Verify OTP

Once the customer fills the OTP in the checkout page it is verified.

  1. Purchase

Once OTP is verified the customer can proceed to purchase the selected items.

  Your site should be integrated with ValU consumer finance

  Your customer should be registered with ValU's platform in order to have this benefit of installments

Endpoints

Use the below Endpoints for testing your integration and going live.

Sandbox

POST   https://sbpaymentservices.payfort.com/FortAPI/paymentApi

Live

POST    https://paymentservices.payfort.com/FortAPI/paymentApi

Parameter Submission Type For All Request Submission

REST POST request using JSON is sent for OTP generation request submission.

Customer Verification

The very first step in the ValU integration is the customer verification.

Customer Verification Request Sample

Here is the sample JSON based customer verification request that you need to send to PayFort

{
 "service_command":"CUSTOMER_VERIFY",
 "merchant_reference":"XYZ9239-yu898",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "language":"en",
 "payment_option":"VALU",
 "phone_number":"00008557694",
 "signature":"54efbd76bd644e9ef237c39137bf5d2304dc1bfdf6f6302065b448f2456a07a7"
}

Customer Verification Response Sample

Here is the sample of JSON based customer verification response that you will receive from PayFort

{ 
"response_code":"90000", 
"response_message":"Success", 
"service_command":"CUSTOMER_VERIFY",
"signature":"27c1303138f8718e56f311d1b3d823b5a644e6bcd4fac43d5454955b13b5b337",
"merchant_identifier":"CycHZxVj", 
"merchant_reference":"XYZ2939-yu898", 
"access_code":"zx0IPmPy5jp1vAz8Kpg7", 
"payment_option":"VALU",
"language":"en", 
"phone_number":"00008557694", 
"status":"90" 
}

OTP Generation

For the customer already registered on the ValU platform, they need to provide their phone number on your site's check out page. After phone number is added, OTP would be generated by the ValU platform and the same would be provided to your customer through SMS.

   Use the Endpoints provided on this page to test your OTP generation process and also to go live.

OTP Generation Request Sample

Here is the sample JSON based OTP generation request sample. Request sent to PayFort must also include the product parameters as shown here.

{
 "merchant_reference":"XYZ9239-yu898",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "signature":"fb1a8978eff0df5700007f3a0ca7964f61eb4b3c17de0a43029851b84687699d",
 "service_command":"OTP_GENERATE",
 "language":"en",
 "payment_option":"VALU",
 "phone_number":"00008557694",
 "merchant_order_id":"Valu123",
 "amount":"10000",
 "currency":"EGP",
 "products":[
 {
 "product_name":"iphone",
 "product_price":"10000",
 "product_category":"phone"
 }
 ]
}

OTP Generation Response Sample

Here is the sample JSON based OTP generation response sample

{
 "transaction_id":"240719641384",
 "amount":"10000",
 "currency":"EGP",
 "response_code":"88000",
 "merchant_order_id":"Valu123",
 "signature":"2304c9a011630db5286712903e7877a53aa96aa7cfe2151fd7c6cc350ec38c12",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "payment_option":"VALU",
 "language":"en",
 "response_message":"Success",
 "service_command":"OTP_GENERATE",
 "merchant_reference":"XYZ2939-yu898",
 "total_down_payment":"1200",
 "phone_number":"00008557694",
 "otp_status":"1",
 "tenure":"6-9-12-15-18",
 "status":"88"
}

OTP Verification

Once the customer receives OTP through SMS, they will provide the same on your site's checkout page. This OTP is then verified against the ValU server

   Use the Endpoints provided on this page to test your OTP verification process and also to go live.

OTP Verification Request Sample

Inorder to send OTP verification request you can refer to the sample as shown below

{
 "signature":"d5c9c93166c34efbf72c71c9f780ce7bc336f68f9d35d63dba014175fd44af58",
 "merchant_identifier":"CycHZxVj",
 "merchant_reference":"XYZ9239-yu898",
 "merchant_order_id":"Valu123",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "language":"en",
 "amount":"1000",
 "currency":"EGP",
 "payment_option":"VALU",
 "service_command":"OTP_VERIFY",
 "total_downpayment":1200,
  "otp":"123456",
 "phone_number":"00008557694"
}

OTP Verification Response Sample

The sample response sent by PayFort will also contain tenure of the EMI. Here is the tenure sample

Tenure Sample

"tenure":{
 "TENURE_VM":[
 {
 "EMI":"2118",
 "TENURE":"3",
 "InterestRate":"1.76"
 },
 {
 "EMI":"1105",
 "TENURE":"6",
 "InterestRate":"1.76"
 },
 {
 "EMI":"768",
 "TENURE":"9",
 "InterestRate":"1.76"
 },
 {
 "EMI":"600",
 "TENURE":"12",
 "InterestRate":"1.76"
},
 {
 "EMI":"500",
 "TENURE":"15",
 "InterestRate":"1.76"
 },
 ]
 },

Here is the sample JSON response sent from PayFORT server.

{
 "amount":"10000",
 "currency":"EGP",
 "response_code":"92182",
 "merchant_order_id":"Valu123",
 "signature":"4bfc2476c6e42b6c1fc9539dbf5092bbc8a2493820816800f98f110c4453b5cd",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "payment_option":"VALU",
 "language":"en",
 "total_downpayment":"0",
 "service_command":"OTP_VERIFY",
 "response_message":"OTP verification success",
 "merchant_reference":"XYZ2939-yu898",
 "phone_number":"00008557694",
 "otp_status":"1",
 "tenure":{
 "TENURE_VM":[
 {
 "EMI":"2118",
 "TENURE":"3",
 "InterestRate":"1.76"
 },
 {
 "EMI":"1105",
 "TENURE":"6",
  "InterestRate":"1.76"
 },
 {
 "EMI":"768",
 "TENURE":"9",
 "InterestRate":"1.76"
 },
 {
 "EMI":"600",
 "TENURE":"12",
 "InterestRate":"1.76"
 },
 {
 "EMI":"500",
 "TENURE":"15",
 "InterestRate":"1.76"
 },
 ]
 },
 "status":"92"
}

Purchase

Once the OTP has been verified the customer can purchase the selected product. Your site will forward the purchase request to PayFort.

   Use the Endpoints provided on this page to test your Purchase process and also to go live.

Purchase Request Sample

Here is the JSON sample of purchase request sent to PayFort. 

{
 "merchant_reference":"XYZ9239-yu898",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "signature":"b574e362cc08d7504d8277e71400132f06064ee1537cd570717569b583dec0b5",
 "command":"PURCHASE",
 "language":"en",
 "payment_option":"VALU",
 "phone_number":"00008557694",
 "amount":"10000",
 "currency":"EGP",
 "customer_email":"customer@domain.com",
 "customer_code":"12348557694",
 "merchant_order_id":"Valu123",
 "transaction_id":"050819724899",
 "otp":"123456",
 "tenure":"6",
 "total_down_payment":"1200",
 "purchase_description":"Test"
}

Purchase Response Sample

Here is the response sample sent from PayFort

{
 "amount":"10000",
 "response_code":"14000",
 "signature":"afac5bd50250743cbd87ce208b1aabcae1080b9060bdb7212cf2c36e201cd6d0",
 "merchant_identifier":"CycHZxVj",
 "access_code":"zx0IPmPy5jp1vAz8Kpg7",
 "payment_option":"VALU",
 "customer_ip":"192.178.1.10",
 "language":"en",
 "eci":"ECOMMERCE",
 "fort_id":"149295435400084008",
 "command":"PURCHASE",
 "response_message":"Success",
 "merchant_reference":"XYZ2939-yu898",
 "customer_email":"customer@domain.com",
 "currency":"EGP",
 "phone_number":"00008557694",
 "status":"14"
}

Signature

SHA algorithm generates a digital signature which is used to authenticate the sender and receiver of the message. It allows the receiver to verify the Integrity of the message. In this case your site acts as sender while PayFort server acts as a receiver thus by passing the signature parameter it is ensured that high level of security is in place when the message is sent and received. It also ensures that all the messages sent are encrypted using the signature. Below table describes the signature details

Signature Description

Name Values Description
SHA Type * SHA-256
* SHA-512		 The Secure Hash Algorithm is a family of cryptographic hash functions published by the National Institute of Standards and Technology (NIST) as a U.S. Federal Information Processing Standard (FIPS), including: SHA-0, SHA-1, SHA-2, SHA-3.
SHA Request Phrase Dynamic value defined by the Merchant This value is used when the Merchant generates the request signature.
SHA Response Phrase Dynamic value defined by the Merchant This value is used by our system to generate the response signature for the Merchant's Request.

Signature Pattern

The below steps describe the signature pattern:

  1. Sort all PayFort requests parameters (both mandatory and optional) in an ascending alphabetical order based on the parameters names.
  2. Concatenate the parameter name with the value separated by '=' (param_name=param_value).
  3. Concatenate all the parameters directly without any separator. (param_name1=param_value1param_name2=param_value2).
  4. Add the Merchant's Passphrase at the beginning and end of the parameters string. (REQUESTPHRASEparam_name1=param_value1param_name2=param_value2REQUESTP HRASE).
  5. Use the SHA function to generate the SHA value of the resulted string depending on the type of SHA selected by the Merchant.

The following is an example for the Customer Verification - Request signature calculations:

Assume you have the below parameters included in the request of customer verification:

Below are the Merchant signature settings from the back-office:

SHA Request Phrase: PASS

SHA-Type: SHA-256

The string to hash should be prepared for the above request is the following “step 4 of the Signature Pattern”: 

PASSaccess_code=zx0IPmPy5jp1vAz8Kpg7language=enmerchant_identifier=CycHZxVjmerchant_reference=X

YZ9239- yu898payment_option=VALUphone_number=00008557694service_command=CUSTOMER_VERIFYPASS

After applying step 5 of the Signature pattern, the result will be as follows:

Signature = f0c49b9dae92b3da04d82689f698189ac65f62596280cd253cb24130ce5a1ed6

The following is an example for the OTP Generation – Request signature calculations:

Assume you have the below parameters included in the request of generate OTP:

Below are the Merchant signature settings from the back-office:

SHA Request Phrase: PASS

SHA-Type: SHA-256

The string to hash should be prepared for the above request is the following “step 4 of the Signature Pattern”:

    To calculate the products parameter in the signature: 
products = [ {"product_name":"iphone", "product_price":"10000", "product_category":"phone" } ]
   It should look like as shown below: 
products=[{product_name=iphone, product_price=10000, product_category=phone}]

PASSaccess_code=zx0IPmPy5jp1vAz8Kpg7amount=10000currency=EGPlanguage=enmerchant_identifier=Cy cHZxVjmerchant_order_id=Valu123merchant_reference=XYZ9239- yu898payment_option=VALUphone_number=00008557694products=[{product_name=iphone, product_price=10000, product_category=phone}]service_command=OTP_GENERATEPASS After applying step 5 of the Signature pattern, the result will be as follows: Signature = c9a58adbe7fa5311b79a6362f28aa3e02c10cde5a37f10456e1caa6bd06a6951

Transaction’s Response Codes

Please visit the link to check the transaction codes and messages related to ValU service.

Go to Full API

Check out our full API by visiting this link

Need further help?

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