Buckaroo
Feature Levels
| Feature | Basic | Advanced | Complete |
|---|---|---|---|
| Tokenization | X | X | |
| Credit Card Processing (Authorization, Capture, Cancel, Reversal) | X | X | |
| Debit Card Processing (Authorization, Capture, Cancel, Reversal) | X | X | |
| 3DS Secure 1.0/2.0 | |||
| Refunds (Full and Partial) | |||
| Recurring Transaction Indicators (CIT/MIT) | |||
| Fraud Scoring | |||
|
Webhook/Event Notifications (Asynchronous Events and Chargeback) |
X | X | |
|
Minimal Authorizations ($0/$1 Authorizations) |
|||
| U.S. ACH Direct Debit | |||
| U.K. BACS Direct Debit | |||
| E.U. SEPA Direct Debit | |||
| Level 2/3 Data | |||
| Account Updater (Batch or Real Time) | |||
| Soft Descriptor | X | X | |
| CVV/AVS Controls | |||
| Digital Payment Method (Apple Pay) | |||
| Deferred Payment Methods | |||
| Network Tokenization |
Buckaroo is a leading payment service provider offering the most popular payment methods and in-store payment solutions to corporate organizations and subject matter experts in the e-commerce sector. As a payment partner, Buckaroo optimally serves companies in the further development of their payment strategy.
UI Configuration/Processing Options Tab
The following fields are included at the Merchant Account Details tab:
| Field | Description |
|---|---|
| API URL | This is the Buckaroo endpoint URL used to make API calls. It is required at either the Payment Gateway or Collection Group level. The Collection Group value supersedes the Payment Gateway level value. |
| Website Key | This is the key provided by Buckaroo to identify a transaction with a specific merchant website. This key is also used for calculating HMAC SHA256 signature data. |
| Secret Key | This is the merchant secret key that is provided by the Buckaroo and it is used for generating the HMAC SHA256 hash as part of API authentication. |
The following field is included at the Field Options tab:
| Field | Description |
|---|---|
| soft_descriptor | This is a transaction description shown on the buyer's credit card statement that displays a Merchant Name or Item Description. For additional charge identification, the invoice ID or sequential statement ID can be included by using the following tags: <Invoice_ID> |
Soft Descriptor Support
For Tokenized Direct Debit SEPA (pay method 37 with IBAN for online/real-time payments), Aria now stores the soft descriptor value (configured either via API or UI). This will be used for sending at the time of batch payments.
For example: ANWB-10001-19 (format for soft Descriptor: ANWB-<Invoice_ID>
iDEAL Direct Pay Method Supported
Buckaroo supports iDEAL, an e-commerce payment system used for online banking in the Netherlands, as an alternative pay method. Prior to processing an iDEAL payment, one or more Return URL options must be configured (these determine where the customer will be redirected after completing an iDEAL payment).
To support this, Aria has introduced the following options to configure based on need (Configuration > Payments > [Payment Gateways/Collection Groups] > Processing Options tab):
| Label | Tooltip |
|---|---|
| Payment Return URL | The default URL where customers are redirected after payment. If left blank, the Payment Plaza URL is used. Configure other URLs for specific actions like cancel, error, or reject. |
| Payment Cancel Return URL | Alternative URL for transactions cancelled by the customer. |
| Payment Error Return URL | Alternative URL for transactions with processing errors. |
| Payment Reject Return URL | Alternative URL for rejected transactions. |
Additionally, Buckaroo supports iDEAL partial and full refunds, which can be issued through the Aria UI.
iDEAL pay method support via Aria APIs is discussed later on this page.
Accepted Payment Methods
Aria supports the following SEPA payments through Braintree Smart Payments:
- Direct Debit (pay method 26)
- Tokenized Direct Debit (pay method 37)
Supported Functionality
Mandate ID Transmission
Aria also supports sending mandate details (mandate_id, mandate_signature_date) as part of a SEPA Direct Debit payment request (for a Buckaroo and external Mandate ID). If the mandate details are provided via APIs, we will honor the values and send the same to Buckaroo. If they are not provided, Aria will make use of mandate details generated by Buckaroo. This applies to both SEPA and Tokenized SEPA pay methods.
- ► Processing Mandate Details (Aria/Buckaroo)
-
mandate_id mandate_signature_date sequence Yes Yes Aria will store both the values send the same to Buckaroo—Existing behavior. Yes No Aria will honor the mandate_id provided in the API and send it to Buckaroo and update only mandate_signature_date returned by Buckaroo (i.e current date) notification. No Yes Aria will ignore the mandate_signature_date provided in the API request and use the mandate fields returned by Buckaroo notification. No No At the time of payment success in notification, Aria will update these two fields in the billing_info record sent by Buckaroo.
Webhook Notification Support Added for Buckaroo Smart Payments
As part of Buckaroo's Smart Payments integration, Aria introduces webhook notification support for Single Euro Payment Area (SEPA) payments (pay methods 26 for SEPA Direct Debit and 37 for SEPA Tokenized Direct Debit). This has been added for successful, failed, and reversed payments.
Note: As a reminder, webhooks are an automated means for applications to communicate with each other by sending data in real time; they are triggered by specific activity, such as invoicing of plan/account charges or data transmission initiated by system events within Aria client applications.
- ► Webhook Processing By Pay Method
-
Payment Method Webhook Event Behavior Direct Debit SEPA Payment (pay method=26) C004 For Success, Aria will update the proc_status_code as 1000, proc_status_text as message sent from Buckaroo and collection status as 3. Aria will also update the mandate_id and mandate_auth_date values. For Failure, Aria will update the proc_status_code as 2000, proc_status_text as message sent from Buckaroo and collection status as 5. Aria will also void the transaction. Tokenized Direct Debit SEPA Payment (pay method=37) C005 Same as above Direct Debit and Tokenized Direct Debit SEPA Reversal (pay methods 26 and 37) C501 Aria will update the proc_status_code as 2000, proc_status_text as message sent from Buckaroo and collection status as 5. Aria will also void the transaction.
SEPA Direct Debit Refunds Added for Buckaroo Smart Payments
Aria now supports Single Euro Payment Area (SEPA) Direct Debit and Tokenized Direct Debit (pay methods 26 and 37) for refunds via the Buckaroo Smart Payments integration. Buckaroo supports both full and partial refunds, which can be initiated and completed via the Aria UI and the issue_refund_to_acct_m API call.
This enhancement also includes transaction logging for the SEPA query_token pay action (pay method 37). Transaction logging is captured for both success and failure cases, handling different logging types (FULL, ERROR, SUMMARY, and NONE) when generating the transaction log entry.
Dunning support is also provided for payment failures as part of the webhook notification process. Additionally, if charges are applied to a child master plan instance (MPI), the child MPI (with parent pay) will be sent to Dunning in the event of payment failure.
iDEAL Direct Pay Method Supported via Aria APIs
Perform the following steps to enable iDEAL Direct payments:
- Once the invoice and statement is generated for the account, initiate the iDEAL payment using the record_alternative_payment_m API with the following inputs:
- <account_no>
- <reference_code>
- <payment_amount>
- <processor_id> (41 for Buckaroo)
- <pay_method_type> (49 for iDEAL—Direct pay method number)
- Once the record_alternative_payment_m API is executed with the above inputs, a <payment_redirect_issuer_url> is returned in the response.
- You should invoke this <payment_redirect_issuer_url> value in your browser to complete the iDEAL payment (where your customer is redirected to the issuer/bank page in which they will pass bank details and complete the payment).
- Once the iDEAL payment is completed, the status of the payment will be updated in Aria via webhook notification. As part of notification, Aria will also retrieve the token associated with the initial iDEAL payment and the new <billing_info> sequence for Tokenized Direct Debit will be created along with the token details.
- For subsequent transactions, you will use the new <billing_info> sequence (for the Tokenized Direct Debit pay method) created in the previous step.
Additionally, Buckaroo supports iDEAL partial and full refunds, which can be issued via the issue_refund_to_acct_m API.