README

Table of Contents
Omnipay-Wirecard
API Details
Backend Features Implemented

Omnipay-Wirecard

Wirecard payment gateway driver for the Omnipay 3.x framework.

Gateway APIs Supported

Both Wirecard Checkout Page and Checkout Seamless is supported.

The Checkout Page offers a payment page hosted by the gateway, that can be partially customised, and that can either be shown in an iframe or navigated to as the top window.

Wirecard Checkout Seamless allows a site to use its own form, but avoid having the credit card details sent to the site by using AJAX to send them directly to the gateway.

Why This Package

There are a few other Omnipay Wirecard drivers already, which you should explore to see if any fit your needs. This package was created with a number of prerequisites:

It supports Omnipay 3.x following as many of the Omnipay standards/conventions as possible. This is to help integration into multi-gateway systems and wrappers with the least custom programming as possible.
It does not need an external serializer, that is an issue for some applications.

Installation

For the legacy 2.x version (Omnipay 2.5, PHP 5.4+), please see the 2.x branch

Omnipay is installed via Composer. To install, simply add it to your composer.json file:

{
    "require": {
        "academe/omnipay-wirecard": "~3.0"
    }
}

And run composer to update your dependencies:

$ curl -s http://getcomposer.org/installer | php
$ php composer.phar update

Or combine the two steps into one with composer on the path::

$ composer require "academe/omnipay-wirecard: ~3.0"

API Details

Demo Mode and Test Mode

There are no separate endpoints for running tests. Instead, customer IDs and secrets are published to trigger demo and test mode.

Demo mode does not involve the end merchant banks in any processing. Test mode does involve the end merchant banks, so can involve 3D Secure tests, but still no payments are taken.

Wirecard Checkout Page

The Wirecard Checkout Page mode supports a remote checkout page that the user is sent to. The user is returned to the merchant site with the results, after completing their authorisation. The same details and some additional details for the transaction are sent to a backend notification handler. This allows the merchant site transaction to be completed regardless of what happens on the front end.

The remote checkout page can be customised to an extent, and can run as the full page or in an iframe. The page is responsive, so will adapt to any iframe size set on the merchant site.

Page Demo Mode Credentials

Demo mode is invoked by using these details:

The toolkitPassword is only needed if you need to capture an authorisation or refund a payment (also void and a few additional backend commands when they are implemented).

The list of demo credit cards that can be found.

Page Test Mode Credentials

Test mode is invoked by using these details for non-3D Secure tests:

Test mode is invoked by using these details for 3D Secure tests:

Test mode credentials and test cards can be found here.

Initialise The Checkout Page Gateway

This class is created and configured like this:

$gateway = Omnipay\Omnipay::create('Wirecard_CheckoutPage');

// This customer ID invokes demo mode. Try credit card MC: 9500000000000002
$gateway->setCustomerId('D200001');
$gateway->setSecret('B8AKTPWBRMNBV455FG6M2DANE99WU2');

// Because failureUrl and serviceUrl are gateway-specific, they can also be set
// as gateway configuration options:
$gateway->setFailureUrl('https://example.com/complete?status=failure');
$gateway->setServiceUrl('https://example.com/terms_of_service_and_contact');

// Most other gateway and API-specific parameters (i.e. those not recognised by
// the Omnipay core) can be set at the gateway or the message level.

These are the parameters that can be set when instantiating the Checkout Page gateway:

Documentation for these parameters can be found here: https://guides.wirecard.at/request_parameters

Page Purchase Request

The purchase method returns an object to support a POST to the remote gateway form. The POST can be a form, or a JavaScript object. It can be invoked by the user pressing a submit button or automatically using JavaScript. It can target the top window or an iframe.

Here is a minimal example:

$request = $gateway->purchase([
    'transactionId' => $transactionId, // merchant site generated ID
    'amount' => "9.00",
    'currency' => 'EUR',
    'invoiceId' => 'FOOOO',
    'description' => 'An order',
    'paymentType' => 'CCARD',
    'card' => $card, // billing and shipping details
    'items' => $items, // array or ItemBag of Omnipay\Common\Item or Omnipay\Wirecard\Extend\Item objects
    //
    // These three URLs are required to the gateway, but will be defaulted to the
    // returnUrl if they remain not set.
    'returnUrl' => 'https://example.com/complete',
    //'cancelUrl' => 'https://example.com/complete?status=cancel', // User cancelled
    //'failureUrl' => 'https://example.com/complete?status=failure', // Failed to authorise
    //
    // These two URLs are required.
    'notifyUrl' => 'https://example.com/acceptNotification',
    'serviceUrl' => 'https://example.com/terms_of_service_and_contact',
    //
    'confirmMail' => 'shop.admin@example.com',
]);
$response = $request->send();

// Quick and dirty way to POST to the gateway, to get to the
// remote hosted payment form.
// This is ignoring error checking, as detailed in the Omnipay documentation.
echo $response->getRedirectResponse();
exit;

Alternatively put the data into a custom form that the user can submit:

// This form could target an iframe.
echo '<form action="' . $response->getRedirectUrl() . '" method="POST" accept-charset="UTF-8">';

foreach($response->getRedirectData() as $name => $value) {
    echo '<input type="hidden" name="'.htmlspecialchars($name).'" value="'.htmlspecialchars($value).'" />';
}

echo '<button type="submit">Pay Now</button>';
echo "</form>";

Page Authorize Request

While payment requests that the funds are automatically taken (usually at midnight of that day) and authorize will leave the funds to be captured at a later date. For most services you will have between 7 and 14 days to enact the capture.

By default, a Wirecard account will just support authorize. You may need to request that the purchase option be enabled for your account. It is known as "auto-deposit", and that is what you will need to ask for.

Page Capture Request

To capture an authorisation in full, you will need the toolkit password. This password gives you access to the backend API, which the capture uses.

So set up the gateway first. These details are used to access the test instance:

$gateway->setCustomerId('D200411');
$gateway->setSecret('DP4TMTPQQWFJW34647RM798E9A5X7E8ATP462Z4VGZK53YEJ3JWXS98B9P4F');
$gateway->setShopId('3D'); // Or leave not set if using the non-3D Secure test cards.
$gateway->setToolkitPassword('2g4f9q2m');

You will need the original transaction reference from the completeAuthorize response or the acceptNotification server response:

$transactionReference = $completeResponse->getTransactionReference();

// or

$transactionReference = $serverResponse->getTransactionReference();

Then send the request for the original full amount:

    $request = $gateway->capture([
        'amount' => '1.00',
        'currency' => 'EUR',
        'orderNumber' => $transactionReference,
        // or
        'transactionReference' => $transactionReference,
    ]);
    $response = $request->send();

    // If successfully captured you will get this response:

    $response->isSuccessful(); // true

    // If not successful, details will be available:

    // Code and message from the gateway:
    $response->getCode();
    $response->getMessage();
    // Message from the remote financial merchant, if available:
    $response->getPaySysMessage();

If you wish to capture just a portion of the original authorisation, then an ItemBag can be passed in here with details of just those items being captured. That can include partial quantities of one or more items, for example just 10 of the 20 cans of beans that have been authorised.

More details on how partial capture works will be added in due course.

Page Refund Request

This is set up and used exactly the same as for capture.

Complete Purchase/Authorize

The Wirecard Checkout Page payment method will send the user off to the Wirecard site to authorise a payment. The user will return with the result of the transaction, which is parsed by the completePurchase or completeAuthorize object.

$completePurchaseRequest = $gateway->completePurchase([
    'transactionId' => $origionalTransactionId,
]);

The $origionalTransactionId is the merchant site transaction ID provided in the original $gateway->purchase([...]) request, and is mandatory. It is set here to ensure the application is responding to the correct transaction result.

The message is signed by the gateway to check for tampering en route, so the gateway needs to be given the secret when instantiating it.

Here $completePurchaseRequest will contain all the data needed to parse the result.

// The request must be used to generate a response with the final results.

$completePurchaseResponse = $completePurchaseRequest->send();

// Checks if the authorisation was successful and the message is valid.
// If the fingerprint signing fails, then this will return `false`.
// If the delivered `transactionId` differs from the expected `transactionId`
// then this will also return `false`

$completePurchaseResponse->isSuccessful();

// Get the success or failure message.
// Some messages are generated by the gateway, and some are filled
// in by this driver.

$completePurchaseResponse->getMessage();

// Checks if the authorisation was cancelled by the user.

$completePurchaseResponse->isCancelled();

// Get the raw data.

$completePurchaseResponse->getData();

// Get the transaction ID (generated by the merchant site).

$completePurchaseResponse->getTransactonId();

// Get the transaction reference (generated by the gateway).

$completePurchaseResponse->getTransactonReference();

// Just confirms if the message signature is valid.

$completePurchaseResponse->isValid();

Page Recur Authorize/Purchase Request

A new authorisation or purchase can be created from an existing order.

// Also `$gateway->recurAuthorize([...])`

$recurRequest = $gateway->recurPurchase([
    'amount' => 3.10,
    'currency' => 'GBP',
    'description' => 'A recurring payment',
    'sourceOrderNumber' => $originalTransactionReference,
]);

$recurResponse = $recurRequest->send();

// The order reference is needed to capture the payment if just authorizing.
$newOrderNumber = $recurResponse->getOrderReference();

This is a backend operation, though takes many parameters that are otherwise only available to the front end authorise or purchase, for example billing and shipping details. See the Wirecard documentation for details on other parameters that can be used and are available in the response.

Notification Handler

The back-channel notification handler is know as the "confirm" request in the Wirecard documentation.

The notification URL will be accessed by the following IPv4 addresses. This driver does not look at the IP address.

195.93.244.97
185.60.56.35
185.60.56.36

The notification handler will send the same data as the front-end returns to the merchant site with the user. It will include some additional security-sensitive details that cannot be exposed to the user.

The notification handler does not need to respond to the notification in any special way other than by returning a HTTP 200 code. This driver leaves the merchant site to exit after processing the result.

Wirecard Checkout Seamless

The Wirecard Checkout Seamless gateway is designed to keep the customer on the merchant site. It works like this:

A temporary data store is initialised on the remote gateway. The merchant site is given a key to represent this storage, called the storageId. This single-used data store will last for 30 minutes or until it is used.
A custom form is provided on the front end that captures authorisation details for the payment. These details are not posted back to the merchant site.
JavaScript sends the authorisation details entered by the user to the data store using AJAX.
Optionally, the data store JavaScript can provide anonymised versions of the data entered, which can be posted back to the merchant site if required.
The merchant site then posts the authorisation or purchase transaction request to the remote gateway, using the storageId in place of credit card details.
The response is handled by the merchant site, which may include a 3D Secure redirect when a credit card payment method is used. Even without 3D Secure, the gateway will always redirect the user to a site to enact the authorisation.
On return to the merchant site, the transaction result can be retrieved from the details stored by the notification handler.

Note that there are a dozen or so payment methods that can be used, and not all need to use the secure storage. All will involve a redirect, either to a third-party financial service, or to the Wirecard gateway.

If the data sent via AJAX is malformed or invalid, for example a past expiry date or a credit card number failing the luhn check, then a list of errors are returned for informing the end user.

Each payment method will require a different set of fields to be sent to the data store (where the data store is used). This driver provides a list of the fields, but constructing the form, applying validation, handling the AJAX and reporting errors to the user in response to the AJAX result, is out of scope.

This driver provides a method to initialise the data storage, to POST the transaction request, to handle the return from a redirect (3D Secure or otherwise) and to capture the back-channel notifications.

Seamless Demo Mode Credentials

Demo mode is invoked by using these details:

The toolkitPassword is only needed if you need to capture an authorisation or refund a payment (also void and a few additional backend commands when they are implemented).

Demo mode and test mode credentials can be found here.

Seamless Test Mode Credentials

Test mode is invoked by using these details for non-3D Secure tests:

Test mode is invoked by using these details for 3D Secure tests:

Demo mode and test mode credentials can be found here.

Initialise the Data Store

Checkout Seamless works by providing a temporary store for credit card details at the gateway. The details entered by the user are sent directly to that store and do not reach the merchant site.

The process for using Checkout Seamless is described below.

First a store for the credit card details must be initialised. The store will have a unique ID and will be available for up to 30 minutes before it expires.

$gateway = Omnipay\Omnipay::create('Wirecard_CheckoutSeamless');

$gateway->initialize([
    'customerId' => 'D200411',
    'shopId' => 'seamless',
    'secret' => 'CHCSH7UGHVVX2P7EHDHSY4T2S4CGYK4QBE4M5YUUG2ND5BEZWNRZW5EJYVJQ',
    'toolkitPassword' => '2g4f9q2m',
    ...
]);

$request = $gateway->storageInit([
    'paymentMethod' => 'CCARD',
    'returnUrl' => $returnUrl,
    'transactionId' => $merchantTransactionId,
]);

$response = $request->send();

// The storageId will be needed by the front end JS library, and also
// when submitting the order at the back end.
$storageId = $response->getStorageId();

Note that not all payment methods require the use of remove storage. Those that do not, will not return a storageId.

This is the initialising JavaScript needed in the page:

<script src="{url}" type="text/javascript"></script>
<script type="text/javascript">
    var dataStorage = new WirecardCEE_DataStorage();
    var paymentInformation = {};
</script>

Where {url} is given by $response->getJavascriptUrl(). Note that the storageId will be encoded into this URL, so does not need to be listed as a parameter anywhere else in the JavaScript code.

This is where the credit card details need to be copied to in the front end:

<script type="text/javascript">
    paymentInformation.pan = '5500000000000012';
    paymentInformation.expirationMonth = '01';
    paymentInformation.expirationYear = '2019';
    paymentInformation.cardholdername = 'John Doe';
    paymentInformation.cardverifycode = '012';
</script>

Shown above are the gateway test credit card details. How you get these details from your credit card form into this object is up to you, but will involve JavaScript of some sort.

The callback function get the result from storing the credit card. Details will look something like show below. This will be invoked when the credit card details are sent to storage, after the user submits their payment form. It can be used to capture anonymised details for the credit card, or a list of errors that may have occurred while trying to store.

<script type="text/javascript">
callbackFunction = function(aResponse) {
    // checks if response status is without errors
    if (aResponse.getStatus() == 0) {
        // Gets all anonymised payment information to a JavaScript object
        var info = aResponse.getAnonymizedPaymentInformation();

        // Each anonymised field is in info.{name}
        // where a list of {name} strings is supplied by
        // $response->getStorageFieldsAnonymous(), a list which will vary
        // depending on the payment type.
    } else {
        // Collects all occurred errors and add them to the result string
        var errors = aResponse.getErrors();
        for (e in errors) {
            // Here you have errors[e].errorCode, errors[e].message and
            // errors[e].consumerMessage to display to the user and/or send
            / back to the merchant site.
        }
    }
}
</script>

When the payment form is submitted, and the card details are copied to the paymentInformation object, store the details like this:

<script type="text/javascript">
dataStorage.{storageFunction}(paymentInformation, callbackFunction);
</script>

Where {storageFunction} is given by $response->getDataStorageStoreFunctionName().

On final submission to the merchant site, the site checks if the storage returned anonymised card details or a list of errors.

You can then make the payment in the usual way:

$request = $gateway->purchase([
    'paymentMethod' => 'CCARD',
    'transactionId' => $merchantTransactionId,
    'amount' => 3.10,
    'currency' => 'EUR',
    'description' => 'A required description',
    'returnUrl' => $merchantSiteReturnUrl,
    'notifyUrl' => $merchantSiteNotifyUrl,
    'storageId' => $storageId, // This is the key to where the CC details are stored.
    ...
]);

$response = $request->send();

The response is then handled in the same way as described in the Checkout Page instructions, which may or may not involve a 3D Secure redirect.

Note About Order Numbers

A transaction on the gateway is uniquely identified within an account by a numeric seven-digit value. The order number will be generated on the creation of a transaction, or it can be generated in advance if that helps the merchant site workflow.

To generate, i.e. reserve in advance, an order number, use this method:

$response = $gateway->createOrderNumber()->send();
$orderNumber = $response->getOrderNumber();

// This is aliased in more Omnipay terms:
$transactionReference = $response->getTransactionReference();

Then when creating an authorisation or payment, send this order number (or transactionReference) with the transaction request:

$request = $gateway->purchase([
    'transactionReference' => $transactionReference,
    ...
]);

So you give the gateway the transactionReference to use, but it must be one you have already reserved with the gateway. Each can only be used once, may or may not be sequential, and are unique to your account (customerId) only. The order number range is shared with credit notes (refunds) and payment numbers. Once reserved, there is no specified expiry time for an orderNumber.

Extended ItemBag Items

This driver will accept standard Omnipay items in the ItemBag. When these are supplied, some fields sent to the gateway will be defaulted:

articleNumber will be the sequential order of the item, starting at 1 for the first item.
imageUrl will be left blank.
netAmount and grossAmount will be the same as the amount.
taxRate will be zero.

An extended Item is created like this example:

$item = new Omnipay\Wirecard\Extend\Item([
    'articleNumber' => 'SKU1',
    'price' => '3.10',
    'quantity' => '1',
    'name' => 'Name One',
    'imageUrl' => 'http://example.com',
    'description' => 'FooBar',
    'netAmount' => '3.00',
    'taxAmount' => '27',
    'taxRate' => '10',
]);

Backend Features Implemented

This is the complete list of transaction-based operations. The backend features are all available for both the Seamless and the Page variations of the gateway, and both variations work the same way for the merchant site, just with a slight variation in endpoints and a single internal parameter.

The Omnipay Operations in brackets are implemented by this driver for completeness, but are are not core supported opertatios of Omnipay.

academe / omnipay-wirecard

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