Pay with Prepayment


As a prerequisite, you should understand:

Make the Payment

The API endpoint to make an advance payment is POST /Smart/Transactions/STX_xxx/start/prepaid. There is no prior authorisation needed.

POST /api/v2/Smart/Transactions/STX_xxx/start/prepaid HTTP/1.1
Authorization: Bearer qb56tjj1bcvo9n2nj4u38k84lo
Accept: application/json

If everything is fine, the API responds with 200 OK and the Smart Transaction:

HTTP/1.1 200 OK
Content-Type: application/json
"object": "smart.transactions",
// ...
"transactions": [
"object": "payment.transactions",
// ...
"created": "2020-03-27T10:55:23+01:00",
"status": "pending",
// ...
"payment_method": "prepaid",
"payment_instructions": {
"owner": "secupay AG",
"iban": "DE81850400611005523759",
"bankname": "Commerzbank CC",
"purpose": "TA 49425099",
"girocode_url": ""
"trans_id": 49425099,
// ...

The Smart Transaction will change to status pending to signalise that we still wait for the payment. When the payment has arrived, it switches to ok (intent sale), and you can deliver.

You are obliged to pass the transfer details to the customer. In the case of prepayment, this can be done with the order confirmation email and preferably also on the success page in the store. In the case of purchase on account, please continue to show the transfer details on the invoice. If not otherwise possible, please send a separate e-mail.