IRIS Payments is a real-time payment service that allows users to initiate payments through their bank’s mobile app through QR code or online banking, in a secure, user-friendly environment.

Online shops integrate IRIS Payments to allow customers to pay directly from their bank accounts, bypassing the need for credit or debit cards.

For Redirect integration method, IRIS is provided as an option within the payment page.

IRIS is available only for Payment (once off) transactions.

There is no need for further implementation since the IRIS option is automatically available in the payment page for the payer to choose. The only thing you should take into consideration, is that after a successful IRIS transaction, as part of the response message you will receive parameter payMethod with value ‘IRIS’, which is a new value (check also below).

The only prerequisite is to use the latest payment page which looks like below. If you are using a custom css with changes in colors/shapes/font/logos, please confirm during your tests that IRIS remains functional (check below on how to make test payments with IRIS).

If you are using a different payment page, please contact ecommerce_support@cardlink.gr.

If you wish, you can provide IRIS as a separate payment method in your checkout page and declare that you wish the payment to be made through IRIS by using parameter payMethod=’IRIS’. By doing that, customer directly sees the page with Bank logos and QR generation.

After a successful IRIS transaction, in the response message you will receive the respective parameter payMethod=’IRIS’.

For further information, please check here.

How to test IRIS functionality

To begin with, you need to enable IRIS during a new app creation or through an existing app modification.
During new app creation, choose Worldline as Business partner and Redirect or Redirect/Direct as Model.

Post the respective request – using parameter payMethod=’IRIS’ if you wish – to open the payment page.
Choose the IRIS tab on the top right of the page to show IRIS details. If you use payMethod=’IRIS’, then you will be moved there directly.

In test environment, IRIS can be tested end to end only through QR generation. Redirection to e-banking is not supported.
Once you have generated the QR code, you do not use it through a banking mobile app, but you should expect the below results automatically after approximately 20-30 seconds, based on the order amount.

For Direct integration method, IRIS can only be used via QR code.

IRIS is available only for Sales (once off) transactions.

When IRIS is chosen as a payment method during the checkout, a Sale Request is sent from merchant’s server requesting for the QR code data.

Part of the XML response returned from the payment gateway is the Base64 encoded QR value. This value should be displayed to the buyer as an inline base64 image. Then the payer can scan it using the respective m-banking app.

You may find more details here.
PayMethod and PaymentOption should be taken into consideration regarding the request. Attributes “IRIS-QR" and “IRIS-TXID" regarding the response.

Sample request can be found here.

The transaction is initially in PROCESSING status. When the customer scans the QR within the Bank’s mobile app, the transaction returns to INPAYMENT status and that’s when we start asking DIAS for the result. The maximum validity period of the transaction is 30 minutes.
In order for your system to be informed about the result of the transaction, XML StatusRequest should be used to retrieve transaction’s status.
As long as the status is not final (CAPTURED, REFUSED, ERROR, TIMEDOUT, CANCELED, PROCESSING-TIMEDOUT), then the StatusRequest should be used again.

Relative sample request can be found here.