Process Diagrams


In case of both service types, Direct payments (e.g. eMaksut) and Escrow payments (e.g. Maksuturva Gold), the payment assignment is created using Payment API. After buyer has confirmed the Internet bank payment or Card payment or has approved an invoicing contract, Svea Payments redirects the buyer back to webstore with appropriate response information. The response is sent also in case of deliberate cancellations and errors. Webstore determines a separate return address (URL) for each scenario: ok, cancel and error.

Payment Status Query


It is certainly possible that webstore never receives a response to new payment request. That is, the buyer never returns to any of the return addresses of webstore. This could for example occur in case of Internet connection shortage. These payment request should not be considered cancelled or erroneous. The actual payment status of every this kind of payment request or order (to which the webstore has not received an OK response) should be queried from Svea Payments through Payment Status Query API. If neccessary, Svea Payments verifies payment status from bank, card payment handler or credit provider. The query should be done earliest at least one hour after last buyer action to achieve the most reliable answer to the question whether buyer has paid the order. See full details from Payment Status  Query API description.

Refunds and Cancellations

Below one can see a couple of examples of return and cancellation processes.


If there's a need to make a refund to buyer after the payment has already been settled to the vendor one needs to make a refund after settlement. Refunds after settlements can be made for orders paid with card, Collector Invoice, Collector Part Payment, Collector B2B Invoice, Svea Invoice or Svea Part Payment. For orders paid with online bank credentials the vendor needs make after settlement refunds him- / herself. The vendor can make refunds after settlements in KauppiasExtranet by using its refund tools. There is no technical interface for refunds after settlements nor can they be made in Web Buyer's Services.

Handling of response messages

Fields that are submitted from webstore to Svea Payments and back, may not change while they are being handled by Svea Payments. Fields submitted back must be compared against the original fields.

Fields that are generated by Svea Payments and submitted as part of the response, must be formally validated, as defined in the interface specification and in Hash Generation chapter.

Hash must be calculated from the data in response and that hash must be compared with the pmt_hash field of the response. Calculated value may not differ from the one in response.

If all the checks above are successful, the response can be handled as a valid one.