Payment Notification

Payment webhooks are specific to payment events and are triggered on multiple occasions:

1. Post-Payment Completion

   Once a payer has completed the payment process and awaits redirection. To get notified for this event, the webhook_url must either be sent via the Checkout API when the payment transaction is created or set as the default webhook_url in the Ottu dashboard to apply for all transactions.

2. Automatic Inquiry by Ottu

   If a payment transaction has an associated webhook_url, it can be notified during the automatic inquiry process. This can happen immediately after the payer completes the payment process or later if the payment encounters an error. More details about the timings for automatic inquiry can be found here.

3. Manual Inquiry by Staff

   When a staff member initiates a manual inquiry from the Ottu dashboard.

4. Manual Notification by Staff

   When a staff manually triggers a notification to the webhook_url from the Ottu dashboard.

5. Merchant-Initiated Inquiry

   When an inquiry API call is initiated by the merchant. Optionally, a notification can be sent to the webhook_url associated with the payment transaction or to a new one specified during the inquiry API call.

Setup

1. Configuring URLs:

• Via Checkout API: Provide the webhook_url and an optional redirect_url when calling the Checkout API.

• Using Plugin Config: Set the webhook_url and redirect_url globally via the plugin config, applicable to either E-Commerce or Payment request plugins. Even if these values are set globally, they can be overridden for specific transactions when using the Checkout API. For more details on this configuration, click here.

1. Endpoint Requirements: Ensure your endpoint adheres to all the stipulations outlined in the Webhook Overview. To review the requirements, click here.

2. Redirecting the Payer:

• Successful Redirect: If you aim for the payer to be redirected back to your website post-payment, your endpoint should return an HTTP status of 200. Any other status will keep the payer on the Ottu payment details page.

• Retaining on Ottu Page: If you intentionally want the payer to remain on the Ottu page post-payment, return a status code of 201. Ottu will interpret this as a successful notification, and the payer won’t be redirected. Any other status will be deemed as a failed notification by Ottu.

• Specific Redirects: If you have a particular URL to which you wish to redirect the payer after the payment process, ensure you specify the redirect_url during the payment setup. Ottu will use this URL to navigate the payer back to your platform or any designated page post-payment.

Params

agreement object conditional

A pre-established contractual agreement with the customer making the payment, allowing the merchant to securely retain and later use their payment details for particular purposes. This might include agreements like regular payments for services such as mobile subscriptions, payments in installments for purchases, arrangements for one-time charges like account reloads, or adhering to common industry practices such as penalty fees for missed appointments

Presence Condition:

• The merchant should include it when creating the payment transaction, typically provided during the first payment setup within the auto-debit initiation process. It becomes a mandatory requirement when the payment_type is specified as "auto_debit".

agreement child parameters

id string conditional

A unique identifier for the agreement

amount_variability string conditional

Presents if the payment amount can vary with each transaction.

start_date date conditional

Agreement starting date.

expiry_date date conditional

The final date until which the agreement remains valid.

max_amount_per_cycle string conditional

The maximum debit amount for one billing cycle.

cycle_interval_days integer conditional

The number of days between each recurring payment.

total_cycles integer conditional

The total number of payment cycles within the agreement duration.

frequency string conditional

Represents how often the payment is to be processed.

type string conditional

This is event-driven, with "recurring" as an example.

seller object conditional

Seller information data including:

• "name": "string",

• "short_name": "string",

• "category_code": "string"

extra_params object conditional

Provides additional information for payment processing. It includes the parameter "payment_processing_day" which provide information about the day of the month or a specific date when payment processing should occur, offering more control over the timing of payments.

In certain agreement types, the condition state becomes a required element. For further details on which parameters are mandatory for recurring agreements, please refer here.

amount string mandatory

Denotes the total sum of the payment transaction, which encompasses the cost of the procured items or services, excluding any supplementary fees or charges. See amount

The merchant should always check if the received amount from Ottu side is the amount of the order, to avoid user changing the cart amount in between.

amount_details object mandatory

Payment transaction due amount details

amount_details child parameters

currency_code string mandatory

The specified currency represents the denomination of the transaction. Nevertheless, it doesn't necessarily mandate payment in this exact currency. Due to potential currency conversions or exchanges, the final charge may be in a different currency. See currencies. 3 letters

amount string mandatory

Represents the total amount of the payment transaction, which includes the cost of the purchased items or services but excludes any additional fees or charges.

total string mandatory

Denotes the comprehensive total of the payment transaction, incorporating both the principal amount and any associated fees. (amount+fee)

fee string mandatory

It indicates the sum disbursed by the customer in their chosen currency for the payment. Note, this currency could vary from the currency used for the transaction.

capture_delivery_address bool conditional

By enabling this, you will ask for user's address. If enabled, capture delivery coordinates should also be active.

Presence Condition:

• The merchant should add it when setting up the payment transaction.

capture_delivery_location bool conditional

By enabling this, you will ask for user's delivery location on a map.

Presence Condition:

• The merchant should provide it during the creation of the transaction.

card_acceptance_criteria object conditional

It outlines the rules for a card's payment eligibility See the request parameter card_acceptance_criteria for more information.

Presence condition:

• Any child parameter provided with the card_acceptance_criteria object in the request payload will be populated in the response as card_acceptance_criteria child parameter.

card_acceptance_criteria child parameters

min_expiry_time string optional

Specifies the minimum required validity period, in days, for a card to be eligible for payment. If set to 30 days, for example, cards set to expire within the next month would be declined. This ensures short-lived cards nearing their expiration date are filtered out, reducing chances of payment failures. When implementing, balance merchant's operational needs with customer convenience. Setting it too stringent might increase payment declines, while a lenient approach could risk future payment failures.

Additionally, it defaults to 30 days when the payment_type is auto_debit. If any other payment type is selected, no default value is set.

currency_code string mandatory

The currency code of the payment transaction For more details, https://en.wikipedia.org/wiki/ISO_4217 3 letters code

Billing address information
Customer billing address data Presence Condition: The presence of each parameter is contingent on the provision of any selection of "customer billing address data" parameters during payment transaction creation.
customer_address_city string conditional The city where the customer is living and registered Max length: 40
customer_address_country string conditional The country where the customer is living and registered Based on ISO 3166-1 Alpha-2 code Validation will be performed against existing countries Max length: 2
customer_address_line1 string conditional Customer's street & house data Max length: 255
customer_address_line2 string conditional Additional data for accuracy purpose for line1 Max length: 255
customer_address_postal_code string conditional Postal code. Max length 12 (it may have different length for different countries)
customer_address_state string conditional State of the customer’s city (sometimes the same as the city) Max length 40

customer_email string conditional

Where to pass the customer’s email address Have to be a valid email address Max length 128

Presence Condition:

• It needs to be included when generating the payment transaction.

customer_first_name string conditional

For the customer's first name Max length 64

Presence Condition:

• The merchant should include it while making the payment of the transaction.

customer_id string conditional

Customer ID is created by a merchant, and stored in the merchant database Max length 64

Presence Condition:

• The merchant should include it during initiating the payment transaction.

customer_last_name string conditional

For the customer's last name Max length 64

Presence Condition:

• The merchant should include it while making the payment of the transaction.

customer_phone string conditional

Where to pass the customer’s phone number Max length 32

Presence Condition:

• The merchant should include it when processing the payment for the transaction.

extra object conditional

The extra information for the payment details, which the merchant has sent it in key value form.

Presence Condition:

• The presence of the element will depend on whether the merchant includes it during transaction creation by adding each element from the plugin field configuration.

For example:

   "extra":{
      "flight-number":"43667",
      "full_name":"abc"
   },

fee string conditional

It represents a markup amount on the original amount. Max length: 24 Min value: 0.01

Presence Condition:

• The merchant should add it in the currency configuration and include it during the transaction creation.

gateway_account string mandatory

The code of the payment gateway used to proceed the payment Max length 16

gateway_name string mandatory

The name of the payment gateway used to proceed the payment Max length 64

gateway_response object conditional

It will contain the raw payment gateway response sent by the payment gateway to Ottu.

Presence Condition:

• It will only be present in response to the PG's callback request for the transaction.

initiator object conditional

This object contains information about the user who created the transaction from Ottu side, specifically, the user who generated the payment URL

Presence Condition:

• It is present only when Basic Authentication is used, because API Key Authentication is not associated with any user.

• Merchant includes the initiator ID in the payload when creating the transaction.

initiator child parameters

id integer mandatory

It represents the unique identifier of the user who performs the operation.

first_name string optional

It represents the first name of the user who performs the operation. <= 32 characters

last_name string optional

It represents the last name of the user who performs the operation. <= 32 characters

username string mandatory

It represents the username of the user who performs the operation. Required. 150 characters or fewer. Letters, digits and @/./+/-/_ only.

email string mandatory

The email address of the user who performs the operation. <= 254 characters

phone string optional

It represents the phone number of the user who performs the operation. <= 128 characters

is_sandbox bool conditional

Whether the transaction was carried out in a sandbox environment.

Presence Conditions:

• It will only be present when PG's setting configured as sandbox

message string conditional

A message indicating the cause of a payment attempt failure., which is directly related to the payment attempt itself Max length 255.

Presence Condition:

• It will only be present if a payment attempt records an error.

order_no string conditional

It is a specific code that is assigned to a transaction by the merchant. By assigning a unique identifier to each transaction, the merchant can easily retrieve and review transaction details in the future, as well as identify any issues or discrepancies that may arise. such like : ABC123_1, ABC123_2 Max length 128

Presence Condition:

• It will be present only if order_no has been provided in the request payload.

paid_amount string conditional

It is the amount that is credited to the merchant's bank account Max length: 24 Min value: 0.01

Presence Condition:

• It will only be present if a capture action is being processed on the transaction and the paid amount is recorded.

payment_type string mandatory

Enum: "one_off" , "auto_debit" Type of payment. Choose one_off for payments that occur only once without future commitments. Choose auto_debit for payments that are automatically deducted, such as recurring subscriptions, installments, or unscheduled auto-debits. for more information about auto-debit API, please refer to Auto-Debit API documentation.

If auto_debit is selected:

1. agreement and customer_id parameters will also be mandatory.

2. Only PG codes supporting tokenization can be selected. As a side effect, the card used for the payment will be associated with the supplied agreement.id. This card will be locked, preventing the customer from deleting it from the system until an alternate card is chosen for auto-debit payments

reference_number string mandatory

It is a unique identifier for the payment attempt, which can be used as a tracking identifier Max length 128

refunded_amount string conditional

The payment amount paid back from the merchant to the customer. Max length: 24 Min value: 0.01

Presence Condition:

• It will only be present if a refund action is being processed on the transaction and the refunded amount is recorded.

remaining_amount string conditional

The amount remaining to be paid in the transaction. (amount – settled amount) Max length: 24 Min value: 0.01

Presence Condition:

• It will only be sent if the editable amount option is turned on.

result string mandatory

Could be "success", "pending", "failed", "canceled", "error", and "cod". See payment transaction states. Max length 50

session_id string mandatory

Ottu unique identifier which gets generated when the transaction is created. It can be used to perform subsequent operations, like retrieve, acknowledge, refund, capture, and cancelation. Max length 128

settled_amount string conditional

Is the amount with the same currency of the initiating amount,

• For editable amount: It is the amount that the customer enters at the checkout page

• For on-editable amount: The settled amount is the same value as the original payment amount

Presence Condition:

• It will be present only if the transaction is paid, authorized or cod.

signature string mandatory

A cryptographic hash used to guarantee data integrity and authenticity during client-server exchanges. This hash ensures that the API payload has not been tampered with, and can only be verified by authorized parties.

timestamp_utc string datetime mandatory

It represents the timestamp at which Ottu processed the transaction. While this often corresponds to the payment time, it's important to note that it might not always be the case. Payments can be acknowledged at a later time, so this timestamp might not align precisely with the actual payment time..

state string mandatory

It is one of the Payment transaction state. And could one of the below: created, pending, attempted, authorized, paid, failed, canceled, expired, invalided, or cod. Max length 50

transaction_log_id string conditional

The ID of the transaction log associated with the transaction. Max length 32-bit String (2^31 - 1)

Presence Condition:

• It will be sent only if the transaction type is BULK as it's a bulk identifier.

token object conditional

Represents token details.

• Presence Conditions:

When user pays with a tokenized card, Ottu will include the token details in the response

token child parameters

brand string mandatory

The card brand (e.g., Visa, Mastercard) associated with the card. Display this information for customer reference.

auto_debit_enabled string mandatory

Define if provided card token can be used to initiate auto debit requests.

customer_id string mandatory

The unique identifier for the customer who owns the card Max length: 36

cvv_required bool mandatory

Specifies if the card requires the submission of a CVV for transactions. A card without CVV requirement can be used for auto-debit or recurring payments

expiry_month string mandatory

The card's expiration month. Provide this information for transaction processing and validation. Max length: 2

expiry_yearstring mandatory

The card's expiration year. Provide this information for transaction processing and validation. Max length: 2

is_expired bool mandatory

A boolean field indicating whether the card has expired. Use this information to determine if the card is valid for transactions and to notify the customer if necessary.

transaction array conditional

Transactions resulted to the PG operations performed on the parent transaction See child transaction sate

Presence Conditions:

• It will be sent only if operations processed on transaction and resulted child transaction records.

transaction child parameters

amount string conditional

The amount of child transaction object represented in transactions Array Must be positive Max length: 24 Min value: 0.01

currency_code string conditional

The code represents the used currency. 3 letters

order_no stringconditional

The order_no of child transaction object represented in transactions Array

session_id stringconditional

The unique session identifier of child transaction object represented in transactions Array

state string conditional

The state of a child transaction object represented in transactions Array

voided_amount string conditional

The payment amount resulted by performing void operation Max length: 24 Min value: 0.01

Presence Condition:

• It will only appear if a void action is being performed on the transaction, and the voided amount is documented.

Event Types

Ottu notifies the webhook_url for all payment event types, not just success. This includes statuses like error, failed, pending, rejected, etc. The payload provides enough context to identify the status of the event.

Events like Refund, Void, or Capture are considered operation events and not payment events. If you’re looking for information on these, please refer to the Operation Webhook page.

Redirectional Diagram

To ensure a smooth redirection of the payer back to the designated redirect_url, it is essential that the redirect_url is accurately provided during the payment setup. Additionally, the webhook_url must respond with a status code of 200. This specific status code serves as a confirmation of successful interaction between the involved systems, ultimately guaranteeing the seamless progression of the redirection process as originally intended.

Redirect behavior based on webhook_url response: - status code 200, the customer will be redirected to redirect_url. - status code 201, the customer will be redirected to Ottu payment summary page. - status code any other code, the customer will be redirected to Ottu payment summary page. For this particular case, Ottu can notify on the email, when Enable webhook notifications? Activated

Payload example (paid)

{
   "amount":"10.000",
   "amount_details":{
      "amount":"10.000",
      "currency_code":"KWD",
      "fee":"20.000",
      "total":"30.000"
   },
   "currency_code":"KWD",
   "customer_email":"[e-mail]",
   "customer_first_name":"first_name_example",
   "customer_id":"Example",
   "customer_last_name":"last_name_example",
   "customer_phone":"1234567",
   "fee":"20.000 KWD",
   "gateway_account":"Credit-Card",
   "gateway_name":"Gateway_Example",
   "gateway_response":{
      "It will contain the raw pg response sent by the pg to Ottu"
   },
   "initiator":{
      "email":"[e-mail]",
      "first_name":"example",
      "id":35,
      "last_name":"",
      "phone":"",
      "username":"username_example"
   },
   "is_sandbox":true,
   "order_no":"Y3ODg",
   "paid_amount":"30.000",
   "payment_type":"one_off",
   "reference_number":"staging48G8SS",
   "result":"success",
   "session_id":"bb7fc280827c2f177a9690299cfefa4128dbbd60",
   "settled_amount":"10.000",
   "signature":"60bf40cf******",
   "state":"paid",
   "timestamp_utc":"2023-11-02 09:00:07"
}

Acknowledging a Payment

When you receive a payment notification, it’s crucial to understand and acknowledge the payment’s status and details. Here’s how you can interpret the information:

1. Payment Events Types

There are several types of payment events you might encounter:

• Payment: This indicates a direct payment transaction.

• Authorization: This signifies a payment authorization, which might be captured later.

• Cash (Offline): This represents an offline payment, often referred to as Cash on Delivery (COD).

2. Interpreting the result field

The result field is your primary indicator of the payment’s outcome:

• If the result is success, it means the payment was successful.

• If the result is failure, it indicates an unsuccessful payment attempt.

• For cash payments, the result field will be cod, indicating Cash on Delivery.

3. Understanding the operation Field

The operation field provides insight into the type of transaction:

• If the operation is payment, it indicates a direct payment.

• If the operation is authorization, it signifies a payment that’s been authorized but not yet captured.

4. Verifying the Amount

• The amount field provides the value the customer has paid in the currency set during the payment setup.

• However, the actual amount captured by the Payment Gateway (PG) might differ. This can be due to additional fees, currency conversion, or other factors. To get the exact amount captured by the PG, refer to amount_details.amount. The currency in which this amount is denominated can be found in amount_details.currency_code.

• In most scenarios, cross-referencing with the amount field should suffice. But if there are discrepancies or if you’ve set up fees or currency conversions, it’s advisable to verify with amount_details.

5. Cash Payments

For Cash on Delivery transactions, the result field will specifically be cod. This helps differentiate offline payments from online ones.

By understanding and interpreting these fields correctly, you can ensure accurate and timely acknowledgment of all your payments, be they online or offline.

In Conclusion, As you navigate the intricacies of Ottu’s payment webhooks, it’s paramount to ensure you’re well-acquainted with all the general guidelines. We strongly recommend reviewing our comprehensive Webhooks page for a holistic understanding. Additionally, if you find yourself with questions or uncertainties, our FAQ section might already have the answers you seek. We’re committed to ensuring a seamless experience, and your thorough understanding of our systems is a crucial part of that journey.