Acquirer specific parameters

Some acquirers require certain optional parameters to be submitted in addition to the standard input parameters. This page lists the requirements for various acquirers.

To get a working direct payment connection via DIBS, you should first arrange for an account with the bank/-s that you would like to do direct payments with. Contact the DIBS customer support (support@dibs.com, +46 (0)8 527 525 00) for more information regarding to whom you should speak to, at the respective bank.
When you’ve got an account on the bank/-s in question, contact DIBS support again, and fax (+46 (0)8 527 525 99) the information needed that you’ve received from the bank.
You should not use the same page set as the one used for credit card payments, as you e.g. does not enter any credit card number on your DIBS pages. As a suggestion, you do a new page set (pageSet) for each direct payment connection. The name of the page set is for you to decide.

An example page set for direct payments

<html>
  <head>
     <title>DebiTech direct payment: example - Page 1</title>
  </head>
  <body bgcolor="#ffffff" text="#000000">
     <h2>Direct payment</h2>
     <font face="Verdana, Geneva, Helvetica, Arial">
     <b>This is what you’ve ordered </b>
     ([ver date="dd/mm/yyyy HH:MM"])
     </font>
     <table border="1" cellspacing="0" cellpadding="2" bordercolor="#000000">
       <tr>
          <td bgcolor="#cccccc">
            <font face="Verdana, Geneva, Helvetica, Arial">
             Article number
            </font>
          </td>
          <td bgcolor="#cccccc">
            <font face="Verdana, Geneva, Helvetica, Arial">
             Description
            </font>
          </td>
          <td bgcolor="#cccccc">
            <font face="Verdana, Geneva, Helvetica, Arial">
             Number of items
            </font>
          </td>
          <td bgcolor="#cccccc">
           <font face="Verdana, Geneva, Helvetica, Arial">
            Price per item ([ver valueof="currency"])
           </font>
          </td>
          <td bgcolor="#cccccc">
           <font face="Verdana, Geneva, Helvetica, Arial">
            Sum ([ver valueof="currency"])
           </font>
          </td>
       </tr>
       [ver table start]
       <tr>
          <td align="right">
           <font face="Verdana, Geneva, Helvetica, Arial">
            [ver table art no]
           </font>
          </td>
          <td>
           <font face="Verdana, Geneva, Helvetica, Arial">
            [ver table description]
           </font>
          </td>
          <td>
           <font face="Verdana, Geneva, Helvetica, Arial">
            [ver table number]
           </font>
          </td>
          <td align="right">
           <font face="Verdana, Geneva, Helvetica, Arial">
            [ver table price]
           </font>
          </td>
          <td align="right">
           <font face="Verdana, Geneva, Helvetica, Arial">
            [ver table total price]
           </font>
          </td>
       </tr>
       [ver table end]
       [ver if shipment!=""]
       <tr>
        <td colspan="5">&#160;</td>
       </tr>
       <tr>
        <td colspan="4" align="right">
         <font face="Verdana, Geneva, Helvetica, Arial">
          Shipment
         </font>
        </td>
        <td align="right">
         <font face="Verdana, Geneva, Helvetica, Arial">
          [ver valueof="shipment"]
         </font>
        </td>
       </tr>
       [ver endif]
       <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
       <td colspan="4">
        <font face="Verdana, Geneva, Helvetica, Arial">
         <b>Total</b>
        </font>
       </td>
       <td align="right"
        <font face="Verdana, Geneva, Helvetica, Arial">
         <b>[ver valueof="currency"] [ver sum]</b>
        </font>
       </td>
      </tr>
    </table>
    <p><font face="Verdana, Geneva, Helvetica, Arial">
       <b>Your information</b>
       </font>
    <table border="0" cellspacing="1" cellpadding="0">
      <tr>
        <td>
         <font face="Verdana, Geneva, Helvetica, Arial">
          name</font></td>
         <td rowspan="5"></td>
        <td>
         <font face="Verdana, Geneva, Helvetica, Arial">
         [ver valueof="billingFirstName"] [ver valueof="billingLastName"]
        </font>
       </td>
     </tr>
     <tr>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        address
       </font>
      </td>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        [ver valueof="billingAddress"]
       </font>
      </td>
    </tr>
    <tr>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        city
       </font>
      </td>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        [ver valueof="billingCity"] [ver valueof="billingZipCode"]
       </font>
      </td>
    </tr>
    <tr>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        country
       </font>
      </td>
      <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
        [ver valueof="billingCountry"]
       </font>
      </td>
    </tr>
    <tr>
     <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
         e-mail address</font></td>
     <td>
       <font face="Verdana, Geneva, Helvetica, Arial">
         [ver valueof="eMail"]
       </font>
      </td>
    </tr>
   </table>
   <!-- The following MUST be a HTML Submit button, i.e. no picture button. -->
   <!-- You may not use the name attribute either. -->
   [ver formstart]
   [ver if method="direct.fsb"]
   <input type="submit"
     value="to the login page of F&ouml;reningssparbanken ">
   [ver endif]
   [ver if method="direct.nb"]
   <input type="submit"
     value="to the login page of Nordea">
   [ver endif]
   [ver if method="direct.seb.se"]
   <input type="submit"
     value=" to the login page of SEB Direktbetalning ">
   [ver endif]
   [ver if method="direct.shb"]
   <input type="submit"
     value=" to the login page of Handelsbanken ">
   [ver endif]
   [ver formend]
 </body>
</html>

Direct payment transactions can only be done using the web solution. Don’t forget to set the page set in service (Hosted pages > Set in service) before you do the transaction. 
For a direct payment, the consumer can, if he accepts the payment, click on a link that takes him back to your OK or Declined page on the DIBS server. When he doesn’t click that link or when he fails to log in to the bank, DIBS will not receive an answer for the payment. To take care of these transactions DIBS polls the banks for the transactions which have not been answered. It should never take longer than 30 minutes before the email/http reports are sent to your shop.

 

The “lng” parameter

The lng parameter can be used with two direct payment methods: direct.nordeasolo.fi and direct.danskebank.fi. It overrides the default language at the bank page, and can have the following values:

Value Meaning
1 Finnish
2 Swedish
3 English

Estonian Internet banks Hansabank, Sampo Bank and SEB Eesti Ühispank

Parameter "directReferenceNumber"

These Internet banks (methods direct.hansa.ee, direct.sampo.ee and direct.seb.ee) use a special control number at the end of their reference numbers. When the parameter
directReferenceNumber is used this control number must not be submitted. Instead this number is calculated by DIBS before it is sent to the banks. Note that if parameter directReferenceNumber is used, referenceNo also has to be included with the exact same value.

Parameter "VK_MSG"

These banks also allows merchants to send a short description of the payment that will be presented to the customer on the bank's page. This message is sent to DIBS in a special parameter: VK_MSG.
The message must be 70 characters or shorter. If no message is sent, the message field on the bank's page will be empty.

PayPal Express Checkout works very similar to any direct payment method at DIBS. When the payment method is used the customer is redirected to PayPal's
site to complete the purchase. In DIBS WebSolution a Page Set that automatically redirects the customer is recommended, there is a template page called “Direct
Payments” that can be used.
A PayPal transaction can be initiated as an authorization only or as a regular Direct Payment, i.e. a sale. The default transaction type is a sale and requires no special parameters.
A Paypal authorization is initiated by passing the parameter authOnly=true with the transaction.

Optional parameters:

Parameter paypal_billingDescription is used to pass a message to the user displayed at the Paypal site.
Parameter paypal_billing valid values are yes or no . This parameter is mandatory with the value yes for making subscriptions later.
A transaction that is supposed to be used for later subscriptions must be include the parameter billing with the value "yes". These transactions can be subscribed later via the server API.
In order to use subscriptions with Paypal, a setting must be enabled at Paypal.
This is called “Reference Transactions”.

PayByBill is a payment method provided by Gothia. DIBS currently supports PayByBill in Sweden, Norway and Denmark. Gothia supports invoice payments for individuals and companies.
The flow is similar for Sweden and Norway but differs for Denmark. In the Swedish and Norwegian flow the customer's social identification number (or organization number) in combination with the zip code is used to find the customer's address. In Denmark this solution is not supported, instead the entire address have to be sent or inputted in the payment flow.
A note about e-mail address; if the e-mail address is entered in the web shop by your customer, the email address should be sent to DIBS to ensure Gothia's possibility to be compliant regarding sending credit information to the customer. This is driven by existing legislation in Norway and for Sweden, and for Denmark the same requirement is valid, but is not driven by legislation.

Additional PayByBill parameters:

Parameter Description
billingAddress Can be sent to preset the field in DIBS's payment flow. Used only for DK. (optional)
billingAddress2 Optional second row of address. Can be sent to preset the field in DIBS's payment flow. Used only for DK. (optional)
billingCity Can be sent to preset the field in DIBS's payment flow. Used only for DK. (optional)
billingFirstName Can be sent to preset the field in DIBS's payment flow. Used only for DK. (optional)
billingLastName Can be sent to preset the field in DIBS's payment flow. Used only for DK. (optional)
billingZipCode Can be sent to preset the field in DIBS's payment flow. Used for SE/NO/DK. (optional)
comments Comments for the order. (Optional)
customerId Merchant's id for a customer. (Optional)
distributionType Invoice distribution type. Allowed values are: email/paper. (Optional)
ourRef The merchant's reference. Included on invoice print-out. (Optional)
statCodeAlphaNum Textual code used for labeling orders, e.g., the code of the seller who handled the order. Could be used for statistical purposes. (Optional)
statCodeNum Numerical code used for labeling orders, e.g., the code of the seller who handled the order. Could be used for statistical purposes. (Optional)
yourRef The consumer's invoice reference. Included on invoice print-out. (Optional)

 

Do you have a question or need help?
Follow us
DIBS Payment Services
Stockholm +46 (0)8-527 525 00
Göteborg +46 031-600 800
København +45 7020 3077
Oslo +47 21 55 44 00