Overview

A short walkthrough of the sales process will be presented, along with details on how the different parts of the process is best implemented.

With Express Bank Financing, the customer adds products to his cart as usually, and proceeds through the usual checkout flow. Express Bank is added as a payment option, alongside the existing options, for the customer to choose between. From the webshops point of view, the financing option is to be considered as equal to eg. a credit card payment method.

The payment method works by receiving a unique link from a web service, and redirecting the customer to that link. The process in described in the prefilling section. The web service also responds with a token that is used to reference the application later in the process.

The customer fills the application form and submits it. Once it is submitted, the feedback service can see it. The credit scoring takes 10-12 seconds, and the customer is then presented with either an approval or a denial.

If the application is accepted: The customer will be presented with a link to our signing partner, where he can sign the application digitally.

If the application is declined: The customer will have the option to click a "Back to webshop"-button, and return to the store, to select another payment option.

Once the application is approved, the customer is nudged to sign right away. This is done online through digital signature. The customer is immediately redirected to the webshop as soon as the "Sign"-button is clicked. The webshop landing page should call the feedback service to confirm the status of the application. Depending on the response, the web shop should either redirect the customer to an order confirmation page, or to the basket so that the customer can checkout using a different payment method.

The partner must notify Express Bank when an order has been shipped, in order to activate the payment to the partner. The notification is done through the feedback service, through a special event called a Ship Signal, which should be sent as soon as the order has been shipped.

In order to determine which orders are ready to be sent, a Feedback Poller should be implemented. The poller is responsible for updating the status of the orders, thus letting the webshop know which orders are ready to ship. It will also cancel pending orders after an appropriate amount of time.

Prefilling

Feedback

In order to know the status of an application, a SOAP Web Service is provided by Express Bank. Using a PartnerId and a unique application identifier (GUID), the status of an application can be requested.

 Feedback Poller:

Once the customer has been redirected to the application form, the partner should start polling the web service for the status of the application. This is the only way for the partner to know what the status of an application is. The optimal implementation is to poll the web service every 15 minutes, and request the status for each application that does not yet have status GoAhead or is cancelled.

 Ship Signal:

Once an application has reached a status GoAhead, the order is ready to be shipped. This means that the application has been approved by Express Bank, and the customer has signed the financing agreement. When the order has been shipped, the partner sends a Ship Signal, and the payout process is initiated. The partner will shortly thereafter be paid the full amount he is due to receive.

 Cancel Signal:

There are two distinctions when cancelling an application. The process depends on whether or not the application has been marked as shipped or not. Once the application has been marked as shipped, the web service can no longer be used to cancel the application. In that case, the partner needs to send the application id in an email to Express Bank Sales Support (salgssupport@ekspresbank.dk), along with a note asking to cancel the application. The partner will then receive the amount to pay back to Express Bank. This process can be automated, if the payment is settled 1:1 (depends on the chosen financing solution).

Process before Ship Signal i sent:


Process after Ship Signal i sent:

 Refund Request:

The feedback service supports multiple and partial refunds through the CreateRefundRequest function. This feature enables the shop to initiate partial refund allowing to perform a refund for a smaller amount than the original order. Multiple refund allows the shop to perform repeating refunds for the same order until the amount is fully reimbursed. This is especially useful when managing partial deliveries.

Here is a simplified XML code sample of the request.

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/" xmlns:ns="http://ekspresbank.dk/feedbackservice/2014/01">
   <soapenv:Header/>
   <soapenv:Body>
      <ns:CreateRefundRequest>
      <ns:input>
       <ns:PartnerId>1234</ns:PartnerId>
                <ns:FinancePasskey>0c00bad0-c000-00ac-a0a0-00f000d00ae</ns:FinancePasskey>
                <ns:ApplicationGuid>adeb6133-b5b1-437b-ad1b-a7fa014e6d9e</ns:ApplicationGuid>
                <ns:ApplicationId>0</ns:ApplicationId>
                <ns:PartnerMainkey>0</ns:PartnerMainkey>
                <ns:RefundRequestAmount>100.00</ns:RefundRequestAmount>
                <ns:RefundRequestId>89747</ns:RefundRequestId>
                <ns:ReasonCode>ProductRecalled</ns:ReasonCode>
                <ns:RefundDate>2017-10-03T08:00:00</ns:RefundDate>
                </ns:input>
         </ns:CreateRefundRequest>
   </soapenv:Body>
</soapenv:Envelope>

And a sample of the response:

<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
    <s:Body>
        <CreateRefundRequestResponse xmlns="http://ekspresbank.dk/feedbackservice/2014/01">
            <CreateRefundRequestResult xmlns:i="http://www.w3.org/2001/XMLSchema-instance">
                <RequestId>2f9f110b-561f-46dc-ac59-559ff594cca7</RequestId>
                <RefundRequestResult>Accepted</RefundRequestResult>
                <RefundRequestMessage>The refund request has been accepted and will now be processed.</RefundRequestMessage>
                <RefundRequestId>89747</RefundRequestId>
                <RefundRequestAmount>100.00</RefundRequestAmount>
                <RemainingPayoutAmount>5899.00</RemainingPayoutAmount>
            </CreateRefundRequestResult>
        </CreateRefundRequestResponse>
    </s:Body>
</s:Envelope>

Refund Status

We provide an interface to query the remaining amount on a specific application through the GetRefundRequest function. The following parameters are required:

Below is a simplified XML sample code for GetRefundRequest.

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/"	xmlns:ns="http://ekspresbank.dk/feedbackservice/2014/01">
	 <soapenv:Header/>
	 <soapenv:Body>
		 <ns:GetRefundRequest>
			 <ns:input>
				 <ns:PartnerId>1116</ns:PartnerId>
				 <ns:FinancePasskey>8c81bad3-c099-43ac-a0a8-84f5782d03ae</ns:FinancePasskey>
				 <ns:ApplicationGuid>00000000-0000-0000-0000-000000000000</ns:ApplicationGuid>
				 <ns:ApplicationId>16282533</ns:ApplicationId>
				 <ns:PartnerMainkey>0</ns:PartnerMainkey>
			 </ns:input>
		 </ns:GetRefundRequest>
	 </soapenv:Body>
 </soapenv:Envelope>

Below is a simplified XML sample code from the response.

<s:Envelope xmlns:s="http://schemas.xmlsoap.org/soap/envelope/">
  <s:Body>
    <GetRefundRequestResponse xmlns="http://ekspresbank.dk/feedbackservice/2014/01">
      <GetRefundRequestResult xmlns:i="http://www.w3.org/2001/XMLSchema-instance">
        <QuerySuccess>true</QuerySuccess>
        <ApplicationGuid>21418c90-7205-492d-93de-a80200dd8e7b</ApplicationGuid>
        <ApplicationId>16282533</ApplicationId>
        <PartnerMainkey i:nil="true" />
        <RemainingPayoutAmount>0.00</RemainingPayoutAmount>
        <RefundRequests>
          <GetRefundRequestOutput.RefundRequest>
            <RefundRequestId>5637945579</RefundRequestId>
            <RefundRequestDateTime>2017-10-04T15:35:54.603</RefundRequestDateTime>
            <RefundRequestInitiator>Partner</RefundRequestInitiator>
            <RefundRequestAmount>3593.00</RefundRequestAmount>
            <RefundDate>2017-10-04T00:00:00</RefundDate>
            <ReasonCode>DefectInPproduct</ReasonCode>
            <RemainingPayoutAmount>699.00</RemainingPayoutAmount>
          </GetRefundRequestOutput.RefundRequest>
          <GetRefundRequestOutput.RefundRequest>
            <RefundRequestId>5637945597</RefundRequestId>
            <RefundRequestDateTime>2017-10-05T09:15:40.103</RefundRequestDateTime>
            <RefundRequestInitiator>Partner</RefundRequestInitiator>
            <RefundRequestAmount>699.00</RefundRequestAmount>
            <RefundDate>2017-10-05T00:00:00</RefundDate>
            <ReasonCode>DefectInPproduct</ReasonCode>
            <RemainingPayoutAmount>0.00</RemainingPayoutAmount>
          </GetRefundRequestOutput.RefundRequest>
        </RefundRequests>
        <Message i:nil="true" />
        <RequestId>ca0e2f57-667c-494f-b7d8-ece6cd4a4e94</RequestId>
      </GetRefundRequestResult>
    </GetRefundRequestResponse>
  </s:Body>
</s:Envelope>

 Status Codes:

Two types of status can be requested from the web service: CurrentStatus and LatestEvent.
Notice that the parameter ‘IsOK’ needs to be ‘True’, in order for the values to be trusted.

CurrentStatus

Unknown = 0

The application is not currently known by the system.

Pending = 1

The application is known, but has not yet reached its final status.

Accepted = 2

The application is approved, and is waiting for the customer to sign the agreement.

Declined = 3

The customer cannot get a loan at this time.

Cancelled = 4

The application has been annulled and cannot be used for financing a purchase.

LatestEvent

Unknown = 0

The application is not currently known by the system.

Pending = 1

The application is known, but has not yet reached its final status.

Initiation = 101

Submit = 102

Working = 103

Accepted = 2

The application is approved, and is waiting for the customer to sign the agreement.

GoAhead = 281

The agreement is signed, and the order is ready to be sent to the customer.

Shipped = 282

Ship signal is received. Order is sent to customer.

Board = 291

Disbursed = 295

Loan is disbursed to customer

Declined = 3

The customer cannot get a loan at this time.

Cancelled = 4

The application has been annulled and cannot be used for financing a purchase.

CancelSale = 401

If you request a cancellation, this will be the event code.

CancelApplication = 402

If Express Bank performs the cancellation, this will be the event code.

CancelTimer = 403

The application has been cancelled by the countdown timer. The application didn't reach "HasGoAhead" status before time expired.

 Environment Endpoints:

Express Bank provides a test environment for use when the integration is being built. The endpoint URLs are seen below.

Test

                https://preprodservices.ekspresbanktest.com/feedback/FeedbackService.wsdl?wsdl

Production

                https://services.ekspresbank.com/feedback/FeedbackService.wsdl?wsdl

 Code examples in PHP:

Feedback Poller

Written below is a code example of how the Feedback Poller can be implemented.

<?php

$soapparams  = array("soap_version"=> SOAP_1_1, "trace"=>1, "exceptions"=>0,);

$feedbackClient = new SoapClient('https://preprodservices.ekspresbanktest.com/feedback/FeedbackService.wsdl?wsdl', $soapparams);

class GetApplicationStatusInput {
    public $PartnerId;
    public $ApplicationGuid;
    public $ApplicationId;
}

$app = new GetApplicationStatusInput();

// STATIC EXAMPLE OF APPLICATION
$PartnerId = "00000"; // Insert your PartnerId here
$ApplicationGuid = "00000000000-0000000-000000-000000000"; // Insert the ApplicationGuid here

//LOAD ALL APPLICATIONS FROM THE APPLICATIONLIST INTO AN ARRAY HERE
$applicationList = array(
    array("PartnerId" -> $PartnerId, "ApplicationId" -> $ApplicationGuid)
)

foreach($curApp in $applicationList){
    $app->PartnerId = $curApp->$PartnerId;
    $app->ApplicationGuid = $curApp->$ApplicationGuid;

    $input=array('input'=>$app); 
    $retval = $feedbackClient->GetApplicationStatus($input);

    //Reading feedback response to local variables
    $IsOk = $retval->GetApplicationStatusResult->IsOk;
    $CurrentStatus = $retval->GetApplicationStatusResult->CurrentStatus;
    $LatestEvent = $retval->GetApplicationStatusResult->LatestEvent;
    $HasGoAhead = $retval->GetApplicationStatusResult->HasGoAhead;
    $HasShipped = $retval->GetApplicationStatusResult->HasShipped;
    $ContractUrl = $retval->GetApplicationStatusResult->ContractUrl;

    //Cancel order if application is declined or cancelled, and remove from polling list
    if($CurrentStatus == 3 || $CurrentStatus == 4){
      //---CANCEL ORDER IN ERP-SYSTEM---
      //---REMOVE GUID FROM POLLING LIST---
    }

    //Mark the order ready for shipment and remove from polling list
    if($CurrentStatus == 2 && $HasGoAhead){
      //---ORDER IS SIGNED AND READY TO SHIP. UPDATE STATUS IN ERP-SYSTEM---
      //---REMOVE GUID FROM POLLING LIST---
    }
}

?>

Simple Feedback Request

Written below is a code example of how a simple feedback request of a single application can be implemented. This should be used on the order confirmation page, when the customer returns from the application process, in order to determine if the application is approved or declined, thus redirecting the customer to the correct page.

<?php

$soapparams  = array("soap_version"=> SOAP_1_1, "trace"=>1, "exceptions"=>0,);

$feedbackClient = new SoapClient('https://preprodservices.ekspresbanktest.com/feedback/FeedbackService.wsdl?wsdl', $soapparams);

class GetApplicationStatusInput {
    public $PartnerId;
    public $ApplicationGuid;
    public $ApplicationId;
}

$app = new GetApplicationStatusInput();

$PartnerId = "00000"; // Insert your PartnerId here
$ApplicationGuid = "00000000000-0000000-000000-000000000"; // Insert the ApplicationGuid here

$app->PartnerId = $PartnerId;
$app->ApplicationGuid = $ApplicationGuid;

$input=array('input'=>$app); 
$retval = $feedbackClient->GetApplicationStatus($input);

//Reading feedback response to local variables
$IsOk = $retval->GetApplicationStatusResult->IsOk;
$CurrentStatus = $retval->GetApplicationStatusResult->CurrentStatus;
$LatestEvent = $retval->GetApplicationStatusResult->LatestEvent;
$HasGoAhead = $retval->GetApplicationStatusResult->HasGoAhead;
$HasShipped = $retval->GetApplicationStatusResult->HasShipped;
$ContractUrl = $retval->GetApplicationStatusResult->ContractUrl;

//Declined or cancelled application
if($CurrentStatus == 3 || $CurrentStatus == 4){
  //---INSERT CODE HERE---
}

//Approved application
if($CurrentStatus == 2){
  //---INSERT CODE HERE---
}

?>

Ship Signal

Written below is a code example of how to send a Ship Signal.

<?php

$soapparams  = array("soap_version"=> SOAP_1_1,"trace"=>1,"exceptions"=>0,);
$client = new SoapClient('https://preprodservices.ekspresbanktest.com/feedback/FeedbackService.wsdl?wsdl', $soapparams);

class PutEventRecordInput
{
    public $PartnerId;
    public $ApplicationGuid;
    public $EventRecordPasskey;
    public $EventType;
    public $EventDT;
}

$app = new PutEventRecordInput();
$app->PartnerId="00000"; // Insert your PartnerId here
$app->ApplicationGuid='00000000000-0000000-000000-000000000'; // Insert the GUID of the application you want to ship
$app->EventRecordPasskey="00000000-0000-0000-0000-000000000000"; // Insert your EventRecordPasskey here
$app->EventType="282"; // Ship-event. Static value.
$app->EventDT="0000-00-00T00:00:00"; //Insert time of physical shipment of the goods (YYYY-MM-DDTHH:MM:SS)

$input=array('input'=>$app); 

$retval = $client->PutEventRecord($input);

if($retval->PutEventRecordResult->IsOk) //Success. Else, something went wrong;

?>

Cancel Signal

Written below is a code example of how to send a Cancel Signal.

<?php

$soapparams  = array("soap_version"=> SOAP_1_1,"trace"=>1,"exceptions"=>0,);
$client = new SoapClient('https://preprodservices.ekspresbanktest.com/feedback/FeedbackService.wsdl?wsdl', $soapparams);

class PutEventRecordInput
{
    public $PartnerId;
    public $ApplicationGuid;
    public $EventRecordPasskey;
    public $EventType;
    public $EventDT;
}

$app = new PutEventRecordInput();
$app->PartnerId="00000"; // Insert your PartnerId here
$app->ApplicationGuid="00000000000-0000000-000000-000000000"; // Insert the GUID of the application you want to ship
$app->EventRecordPasskey="00000000-0000-0000-0000-000000000000"; // Insert your EventRecordPasskey here
$app->EventType="401"; // Cancel-event. Static value.
$app->EventDT="0000-00-00T00:00:00"; //Insert time of the cancellation (YYYY-MM-DDTHH:MM:SS)

$input=array('input'=>$app); 

$retval = $client->PutEventRecord($input);

if($retval->PutEventRecordResult->IsOk) //Success. Else, something went wrong;

?>

---

Overview
Gain an overview of a standard eCommerce sales process, and how the Express Bank integration interacts with this process.

Prefilling
Learn how to initiate an application through the Prefilling Web Service.

Feedback
Learn how to get feedback on applications, and how to proceed according to the different feedback responses.

Need additional help?
Contact us right now:
Matthieu Taillé
eCommerce Specialist
+45 28 94 28 10