PAYONE is offering payments with credit card, on account* and SEPA direct debit. Please inform yourself before using Europe-wide SEPA direct debit, if this is possible with your PAYONE account, by contacting the PAYONE support.
(* - incoming payments on the PAYONE account in trust or your business account can be detected)
1. Configuration in your PAYONE account
Following modules and settings have to be configured in your PAYONE account:
- Modul Protect is mandatory
- Refunds API has to be unlocked for all payments
- Mandate generation has to be unlocked
- Client-API access has to be activated
- Creditor ID has to be the same, like the one in your billwerk account
- Credit card and/or SEPA direct debit has to be granted
- The same hash algorithm has to be selected in PAYONE and billwerk
If you want to use the automatic account reconciliation when using "On Account" payment, the feature "Open invoices" has to be unlocked in your PAYONE account.
When using the modul protect, we recommend following selection:
- Bank account check
- POS blacklist
- Creditcard check
- Dynamical regulation of 3D-secure
For some usecases it also might be useful to use the following selection:
- BIN check
- BIN country filter
- Address check (Basic/Person)
- Solvency check
- IP check
- IP country filter
Please contact your PAYONE account manager for further information to the module.
In the configuration of your payment gateway consider to activate "extendend response-data" for the test and the live mode.
In principal there is only one payment portal necessary. If you want to use 3D secure for credit card payments you maybe will need a second PAYONE portal:
- one for the initial payments; 3D secure has to be activated
- one additional for recurring payments without 3D secure (inactive)
If a second portal is necessary, depends on your used acquirer in your PAYONE account. Please contact PAYONE for further information.
Please consider to save the TransactionStatus URL from the PAYONE settings in your billwerk account in the portal settings.
You only need one portal for the test mode, which can be used in the billwerk settings for both portals. 3D-secure has to be activated.
2. Configuration in your billwerk account
For payment configuration, go to "Settings > Payment > Payment settings > PAYONE".
You need following information, which you can find in your PAYONE account:
- Merchant Id
- Subaccount Id
- Portal #1 - Portal Id
- Portal #1 - Key
- Portal #2 - Portal Id
- Portal #2 - Key
You can find them at:
"Configuration > Payment portal > .....  > API parameter"
If you are using just one portal, please insert the same data in portal #1 and portal #2.
By selecting the "Mode" you can chose if you want to use the test or live mode.
Save your data after filling the form and activate the wanted payment method in the payment setting overview. Don't forget to save these settings as well. The payment method is now activated in your billwerk account.
Save the URL for webhooks in your PAYONE account, for webhooks coming from PAYONE to billwerk.
3. Test data
You can use following payment data for your tests:
With 3-D secure:
|Credit card number||CVC||3-D secure password:||Expiry date|
|VISA (Verified by VISA)||4012001037141112||Three random numbers||12345||Any date in the future|
|MasterCard (MasterCard SecureCode)||5453010000080200||Three random numbers||12345||Any date in the future|
|MasterCard (MasterCard SecureCode)||27209900000000071||Three random numbers||12345||Any date in the future|
Without 3-D secure:
|Credit card number||CVC||Expiry date|
|VISA||4111111111111111||Three random numbers||Any date in the future|
|MasterCard||5500000000000004||Three random numbers||Any date in the future|
|American Express||340000000000009||Three random numbers||Any date in the future|
|JCB||3088000000000009||Three random numbers||Any date in the future|
|Carte Bleue||4973010000000004||Three random numbers||Any date in the future|
|Diners Club||30000000000004||Three random numbers||Any date in the future|
|Discover||6011111111111117||Three random numbers||Any date in the future|
SEPA direct debit
You have to configure a creditor-id in "Settings > Company > Creditor Identifier" (e.g. DE98ZZZ09999999999) to use SEPA direct debit.
|Account holder||Every random name|
|Result||Successful direct debit|
On account payment
When you are testing "PAYONE On Account" you can use the following names:
|Last name||Test case|
|Payer||The invoice is paid|
|Underpayer||The invoice is paid partially|
|Overpayer||The paid amount is higher than the invoice amount|
|Neverpayer||The invoice is not paid|
4. Customer data
PAYONE defines customer data fields which are mandatory, otherwise the payment will fail (e.g. errorcode = 901). These fields are mandatory:
- Last name
- First name (If there is no company name)
PAYONE merchant service: firstname.lastname@example.org
PAYONE technical support: email@example.com