Externe Betrugsprüfung

Risikomanagement Externe Betrugsprüfung

Die Modul-API ist relevant wenn Sie die Module für das Risikomanagement einsetzen wollen, ohne eine Transaktion auszuführen. Typische Einsatzgebiete beinhalten:

Erhalten Sie den Bonitäts-Score eines Kunden.
Identifizieren Sie den Standort einer IP-Adresse.
Überprüfen Sie, ob eine Umsatzsteuer-ID gültig ist.

Da diese API keinen Ablauf einer Transaktion beinhaltet, wird keine Transaktion angelegt und Ihr Account wird pro Nutzung des Dienstes belastet.

Module zum Risikomanagement, für welche bei Novalnet ein externer API-Aufruf verfügbar ist.

Buergel Concheck Realtime (DE, AT, CH)
Buergel Riskcheck (DE, AT, CH)
Forderungscheck
IP-Länder-Sperre
Bankkonto-Check (SEPA)
Luhn-Check
Identity Fraud Check (IFC)
USt.-ID Prüfung
Blacklist-Check

Authentifizierung über den Header

Um sich für die Anfragen an Ihre Module zu authentifizieren, verwenden Sie die benutzerdefinierte Authentifizierung von Novalnet im Header. Der benutzerdefinierte Header ist folgendermaßen aufgebaut:

Jeder Header eines Aufrufs ist so aufgebaut, dass er den Paymentzugriffsschlüssel enthält. Um Ihren Paymentzugriffsschlüssel zu erhalten, loggen Sie sich in Ihr Novalnet Admin-Portal ein und folgen dem Pfad Projekte -> [Gewünschtes Projekt auswählen] -> API-Anmeldeinformationen -> Paymentzugriffsschlüssel.
Der Paymentzugriffsschlüssel sollte mit einer Variante von Base64 codiert werden.
Der resultierende mit base64-codierte Wert sollte in dem benutzerdefinierten Schlüssel von Novalnet, X-NN-Access-Key, im Header übergeben werden..

Für das benutzerdefinierte Header-Feld ist das folgende Format definiert:
X-NN-Access-Key:base64_encoded_value.

Alle Aufrufe müssen über eine HTTPS-Verbindung mit den Werten im Header durchgeführt werden. Sonst schlägt der Aufruf mit einer Fehlermeldung zur Autorisierung fehl.

Ihr Paymentzugriffsschlüssel umfasst viele Privilegien, bewahren Sie ihn deshalb sicher auf! Teilen Sie Ihren geheimen Paymentzugriffsschlüssel nicht in öffentlich zugänglichen Bereichen wie GitHub, auf Kundenseite ausgeführtem Code, etc.

Header des HTTP-Aufrufs

X-NN-Access-Key	`base64_encode({PAYMENT_ACCESS_KEY})`
Content-Type	application/json
Accept	application/json
Charset	utf-8

URL des Endpunkts: https://payport.novalnet.de/v2/module

<?php
// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Build the Headers array
$headers = [

// The Content-Type should be "application/json"
'Content-Type:application/json', 

// The charset should be "utf-8"
'Charset:utf-8', 

// Optional
'Accept:application/json', 

// The formed authenticate value (case-sensitive)
'X-NN-Access-Key:' . $encoded_data, 
];
?>

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

CURL

-H 'Content-Type: application/json'
-H 'Charset:utf-8'
-H 'Accept: application/json'
-H 'X-NN-Access-Key:###YOUR_ENCODED_PAYMENT_ACCESS_KEY###'

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

NODEJS

headers: {
		'Content-Type': 'application/json',
		'Content-Length': Buffer.byteLength(###POSTDATA###),
		'Charset': 'utf-8',
		'Accept': 'application/json',
		'X-NN-Access-Key': '###YOUR_ENCODED_PAYMENT_ACCESS_KEY###'
		},

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

PYTHON

HEADERS = {
'Content-Type': 'application/json',
'Charset': 'utf-8',
'Accept': 'application/json',
'X-NN-Access-Key': '###YOUR_ENCODED_PAYMENT_ACCESS_KEY###'
}

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

RUBY

request["Content-Type"] = "application/json"
request["Charset"] = "utf-8"
request["Accept"] = "application/json"
request["X-NN-Access-Key"] = "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###"

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

req.Header.Add("Content-Type", "application/json")
req.Header.Add("Charset", "utf-8")
req.Header.Add("Accept", "application/json")
req.Header.Add("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

JAVA

.header("Content-Type", "application/json")
.header("Charset", "utf-8")
.header("Accept", "application/json")
.header("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

CSHARP

request.Headers.Add("Charset", "utf-8");
request.Headers.Add("Accept", "application/json");
request.Headers.Add("X-NN-Access-Key", "\"###YOUR_ENCODED_PAYMENT_ACCESS_KEY###\"");

ERGEBNIS

HEADERS
[
    "Content-Type:application/json",
    "Charset:utf-8",
    "Accept:application/json",
    "X-NN-Access-Key:MTljYTE0ZTdlYTYzMjhhNDJlMGViMTNkNTg1ZTRjMjI="
]

Liste der Parameter

Jeder Aufruf ist in sogenannte Objekte unterteilt, welche eine Einheit beschreiben.

Jeder Parameter ist mit Attributen versehen Pflichtfeld, Freiwillig. Auf der Grundlage Ihrer Anforderungen können Sie diese Parameter entsprechend einsetzen.

- Das Icon gibt an, dass der Parameter auf der Grundlage einer Bedingung für das Attribut eingesetzt wird und wenn Sie den Mauszeiger über diesem Icon lassen, werden Ihnen Einzelheiten zu dieser Bedingung angezeigt.

- Das Icon zeigt die Zahlungsarten an, welche von dem definierten Parameter unterstützt werden oder für diesen relevant sind, und wenn Sie den Mauszeiger über diesem Icon lassen, werden Ihnen Einzelheiten zu der Liste der unterstützten Zahlungsarten angezeigt.

module
Objekt

Parameter

Beschreibung

type
String
Pflichtfeld
ACCOUNT_CHECK_SEPA

Geben Sie den Typ der Betrugsprüfung an.

Mögliche Werte:

ACCOUNT_CHECK_SEPA
CC_CHECK
BUERGEL_IDENTCHECK_CONSUMER
BUERGEL_CONCHECK
BUERGEL_CONCHECK_AT
BUERGEL_CONCHECK_CH
BUERGEL_RISKCHECK
BUERGEL_RISKCHECK_AT
BUERGEL_RISKCHECK_CH
VAT_ID_CHECK
IP_COUNTRY_CHECK
COLLECTION_CHECK
BLACKLIST_CHECK

payment_type
String
Bedingungsabhängig
CREDITCARD

Bei Novalnet definierte Zahlungsarten. Wenn ein Wert übergeben wird, wird die angegebene Zahlungsart auf der Zahlungsseite von Novalnet als vorausgewählt angezeigt. Sehen Sie sich dazu den Abschnitt zu den verfügbaren Zahlungsarten an.

Mögliche Werte:

CREDITCARD
DIRECT_DEBIT_SEPA
INVOICE
PREPAYMENT

payment_data
Objekt

In diesem Object müssen Sie die Zahlungsdaten des Kunden angeben.
Unterobjekt verstecken

Parameter	Beschreibung
iban String Bedingungsabhängig DE24300209002411761956	IBAN (International Kontonummer) des Kontoinhabers
bic String Bedingungsabhängig CMCIDEDDXXX	BIC (Bank Identifier Code) des Kontoinhabers
card_number String Bedingungsabhängig XXXXXXXXXXXX0000	Inhaber der Kredit-/Debitkarte Anmerkung: Wenn Ihr Server den PCI-DSS-Anforderungen für Kredit-/Debitkarten entspricht, können Sie die Kartendaten direkt in einem verschlüsselten Format übermitteln. Sehen Sie sich dazu den Abschnitt Verschlüsselung an, um mehr über das Verfahren zu erfahren.
card_expiry_year Integer Bedingungsabhängig 2020	Jahr des Ablaufdatums der Kredit-/Debitkarte Anmerkung: Wenn Ihr Server den PCI-DSS-Anforderungen für Kredit-/Debitkarten entspricht, können Sie die Kartendaten direkt in einem verschlüsselten Format übermitteln. Sehen Sie sich dazu den Abschnitt Verschlüsselung an, um mehr über das Verfahren zu erfahren.
card_expiry_month Integer Bedingungsabhängig 12	Monat des Ablaufdatums der Kredit-/Debitkarte Anmerkung: Wenn Ihr Server den PCI-DSS-Anforderungen für Kredit-/Debitkarten entspricht, können Sie die Kartendaten direkt in einem verschlüsselten Format übermitteln. Sehen Sie sich dazu den Abschnitt Verschlüsselung an, um mehr über das Verfahren zu erfahren.

merchant
Objekt

Parameter	Beschreibung
signature String Pflichtfeld 7ibc7ob5\|tuJEH3gNbeWJfIHah\|\|nbobljbnmdli0poys\|doU3HJVoym7MQ44qf7cpn7pc	Die Signatur des Händlerprojekts ist notwendig, um eine Transaktion zu verarbeiten. Sie dient als privater Schlüssel, den Sie finden, wenn Sie sich in das Novalnet Admin-Portal einloggen und dann folgenden Pfad einschlagen: Projekte -> [Wählen Sie Ihr gewünschtes Projekt aus] -> API-Anmeldeinformationen -> API Signature (Aktivierungsschlüssel des Produkts)

customer
Objekt

Parameter

Beschreibung

first_name
String
Bedingungsabhängig
Max

Vorname des Kunden

last_name
String
Bedingungsabhängig
Mustermann

Nachname des Kunden

email
String
Bedingungsabhängig
test@novanet.de

E-Mail-Adresse auf der Rechnung des Kunden

birth_date
String
Freiwillig
1992-06-10

Geburtsdatum des Endkunden. Das Format, das verwendet werden soll, ist "JJJJ-MM-TT"

Anmerkung: Nur Pflicht für B2C (Privatkunden) um Zahlungen mit Zahlungsgarantie und Ratenzahlungen zu verarbeiten, wie z.B. GUARANTEED_DIRECT_DEBIT_SEPA, GUARANTEED_INVOICE, INSTALMENT_DIRECT_DEBIT_SEPA, INSTALMENT_INVOICE

gender
String
Freiwillig
u|m|f

Geschlecht des Kunden.

Folgende Werte sind erlaubt:

m für "männlich"
f für "weiblich"
u für "unbekannt"

vat_id
String
Bedingungsabhängig
DE123456

Umsatzsteuer-Nr. der Organisation

customer_ip
String
Bedingungsabhängig
127.0.0.1

IP-Adresse des Kunden. Wir empfehlen Ihnen, dieses Detail zu übermitteln, da es in Betrugsprüfungen verwendet wird (zum Beispiel: IP BIN-Check, IP-Blockade etc.)

billing
Objekt

In diesem Objekt müssen Sie die Rechnungsinformationen des Kunden angeben.
Unterobjekt verstecken

Parameter	Beschreibung
street String Bedingungsabhängig Musterstr	Straßenname des Endkunden Anmerkung: Der oben erwähnte Parameter house_no kann auch zusammen mit dem Parameter street übergeben werden, indem Sie eines der folgenden Trennzeichen verwenden: "/", "-", ".", "," bzw. ein Leerzeichen verwenden.
house_no String Bedingungsabhängig 2	Hausnummer des Endkunden
city String Bedingungsabhängig Musterhausen	Stadt des Endkunden
zip String Bedingungsabhängig 12345	Postleitzahl des Endkunden Anmerkung: Falls es keine Postleitzahl gibt, verwenden Sie bitte ‘-’ als statischen Wert.
country_code String Bedingungsabhängig DE	Ländercode des Endkunden mit 2 Buchstaben, s. auch: ISO-3166-1 alpha-2.
tel String Freiwillig +49 089 123456	Telefonnummer des Kunden
company String Bedingungsabhängig ABC GmbH	Name der Organisation

custom
Objekt

Parameter	Beschreibung
lang String Freiwillig DE	Sprachcode mit 2 Buchstaben gemäß dem ISO 639-1-Standard

module
Objekt

Parameter	Beschreibung
type String Pflichtfeld ACCOUNT_CHECK_SEPA	Geben Sie den Typ der Betrugsprüfung an. Mögliche Werte: ACCOUNT_CHECK_SEPA CC_CHECK BUERGEL_IDENTCHECK_CONSUMER BUERGEL_CONCHECK BUERGEL_CONCHECK_AT BUERGEL_CONCHECK_CH BUERGEL_RISKCHECK BUERGEL_RISKCHECK_AT BUERGEL_RISKCHECK_CH VAT_ID_CHECK IP_COUNTRY_CHECK COLLECTION_CHECK BLACKLIST_CHECK
buergel_score_value String Bedingungsabhängig 0	Ergebnis des CRIF Buergel Score als Wert aus der Betrugsprüfung
reference_id String Bedingungsabhängig 123456789	Referenznummer des Moduls

result
Objekt

Parameter	Beschreibung
status String Pflichtfeld SUCCESS\|FAILURE	Status der API für die Transaktion
status_text String Pflichtfeld erfolgreich	Dem Entwickler angezeigte Nachricht, welche den aufgetretenen Fehler beschreibt und mögliche Schritte, um diesen zu korrigieren.
additional_message String Pflichtfeld Card lost	Zusätzliche Nachricht zu der Transaktion
status_code Integer Pflichtfeld 100	Statuscode zur API für die Transaktion

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'IP_COUNTRY_CHECK' 
];

$data['customer'] = [

	'customer_ip' => '###CUSTOMER_IP###',
	
	'billing' => [
	
	  'country_code' => 'DE'
	]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

//print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [

    'type' => 'ACCOUNT_CHECK_SEPA',
    
    'payment_data' => [
      'iban' => '###IBAN###',
      'bic' => '###BIC###'
    ]
    
];

// Custom Data
$data['custom'] = [
	
	// Merchant's selected language
	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}

?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [

    'type' => 'CC_CHECK',
    
    'payment_data' => [
      'card_number' => '###YOUR_CARD_NUMBER###',
      'card_expiry_month' => '###YOUR_CARD_EXPIRY_MONTH###',
      'card_expiry_year' => '###YOUR_CARD_EXPIRY_YEAR###'
    ] 
];

// Custom Data
$data['custom'] = [
	
	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);

    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}

?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature , 
];

$data['customer'] = [

	  'email' => 'test@novalnet.de',
];

$data['module'] = [

	'type' => 'BLACKLIST_CHECK',

	'payment_data' => [
		'iban' => '###IBAN###'
	]
];

// Custom Data
$data['custom'] = [
	// Merchant's selected language
	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);

    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}

?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'BUERGEL_CONCHECK' ,
      'payment_type' => '###PAYMENT_TYPE###'
];

$data['customer'] = [

	'customer_ip' => '###CUSTOMER_IP###',
	// Shopper's first name
    'first_name'  => 'Max',
    
     // Shopper's last name
    'last_name'   => 'Mustermann', 
    
    // Shopper's email
    'email'       => '###YOUR_MAIL###', 
        
    // Shopper's birthdate value YYYY-MM-DD - Decomment it based on your usage
    'birth_date'  => '1992-06-10',
    
    // Shopper's gender - Decomment it based on your usage
    'gender'      => 'u',
    
    'vat_id'      => '###VAT_ID###',

    // Shopper's billing address
    'billing'     => [
    
		'company' => 'ABC GmbH',
		
		// House number
		'house_no'     => '2',
		
		// Street
		'street'       => 'Musterstr',
		
		// City
		'city'         => 'Musterhausen',
		
		// zip
		'zip'          => '1225',
		
		// Country's ISO subscode
		'country_code' => 'DE',
    ]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'BUERGEL_RISKCHECK' ,
      'payment_type' => '###PAYMENT_TYPE###'
];

$data['customer'] = [

	'customer_ip' => '###CUSTOMER_IP###',
	// Shopper's first name
    'first_name'  => 'Max',
    
     // Shopper's last name
    'last_name'   => 'Mustermann', 
    
    // Shopper's email
    'email'       => '###YOUR_MAIL###', 
        
    // Shopper's birthdate value YYYY-MM-DD - Decomment it based on your usage
    'birth_date'  => '1992-06-10',
    
    // Shopper's gender - Decomment it based on your usage
    'gender'      => 'u',
    
    'vat_id'      => '###VAT_ID###',

    // Shopper's billing address
    'billing'     => [
    
		// House number
		'company'     => 'ABC GmbH',
		
		'house_no'     => '2',
		
		// Street
		'street'       => 'Musterstr',
		
		// City
		'city'         => 'Musterhausen',
		
		// zip
		'zip'          => '1225',
		
		// Country's ISO subscode
		'country_code' => 'DE',
		
		// Telephone number
        'tel'           => '+49 089 12256',
        
        // Name of the company
        'company'       => 'ABC GmbH',
    ]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'COLLECTION_CHECK' ,
      'payment_data' => [
        'iban' => '###IBAN###',
        'card_number' => '###CARD_NUMBER###'
    ]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'BUERGEL_IDENTCHECK_CONSUMER',
      'payment_type' => '###PAYMENT_TYPE###'
];

$data['customer'] = [

	'customer_ip' => '###CUSTOMER_IP###',
	
	'billing' => [
	
	  'country_code' => 'DE'
	]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

<?php

// Need to enter your payment access key value here
$payment_access_key = '###YOUR_PAYMENT_ACCESS_KEY###';

// Need to enter your API signature here
$api_signature 		= '###YOUR_API_SIGNATURE###';

// Now, have to encode the $payment_access_key value with the base64 encode
$encoded_data       = base64_encode($payment_access_key);

// Action Endpoint 
$endpoint = 'https://payport.novalnet.de/v2/module';

// Build the Headers array
$headers = [
	// The Content-Type should be "application/json"
	'Content-Type:application/json',           
	
	// The charset should be "utf-8"
	'Charset:utf-8',                           
	
	// Optional
	'Accept:application/json',                 
	
	// The formed authenticate value (case-sensitive)
	'X-NN-Access-Key:' . $encoded_data, 
];

$data = [];

// Build Merchant Data
$data['merchant'] = [

    'signature' => $api_signature, 
];

$data['module'] = [
     
      'type' => 'VAT_ID_CHECK' 
];

$data['customer'] = [

	'customer_ip' => '###CUSTOMER_IP###',
	'vat_id' => '###VAT_ID###',
	'first_name'  => 'Max',
    
     // Shopper's last name
    'last_name'   => 'Mustermann', 
    
    // Shopper's email
    'email'       => '###YOUR_MAIL###', 
        
    // Shopper's birthdate value YYYY-MM-DD - Decomment it based on your usage
    'birth_date'  => '1992-06-10',
    
    // Shopper's gender - Decomment it based on your usage
    'gender'      => 'u',

    // Shopper's billing address
    'billing'     => [
    
		// House number
		'house_no'     => '2',
		
		// Street
		'street'       => 'Musterstr',
		
		// City
		'city'         => 'Musterhausen',
		
		// zip
		'zip'          => '1225',
		
		// Country's ISO subscode
		'country_code' => 'DE',
		
		// Telephone number
        'tel'           => '+49 089 12256',
        
        // Name of the company
        'company'       => 'ABC GmbH',
    ]
];

// Custom Data
$data['custom'] = [

	'lang'      => 'DE',
];

// Convert the array to JSON string
$json_data = json_encode($data);

// Handle Response
$response = send_request($json_data, $endpoint, $headers);

print_r($response);

function send_request($data, $url, $headers) {

    // Initiate cURL
    $curl = curl_init();
    
    // Set the url
    curl_setopt($curl, CURLOPT_URL, $url);
    
    // Set the result output to be a string
    curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);
    
    
    curl_setopt($curl, CURLOPT_AUTOREFERER, true);
    
    // Set the POST value to true (mandatory)
    curl_setopt($curl, CURLOPT_POST, true);
    
    // Set the post fields
    curl_setopt($curl, CURLOPT_POSTFIELDS, $data);
    
    // Set the headers
    curl_setopt($curl, CURLOPT_HTTPHEADER, $headers);
    
    // Execute cURL
    $result = curl_exec($curl);

    // Handle cURL error
	if (curl_errno($curl)) {
		echo 'Request Error:' . curl_error($curl);
		return $result;
	}
	
	// Close cURL
	curl_close($curl);  
	
	// Decode the JSON string
	$result = json_decode($result);
	
	return $result;
}	
?>

JAVA

//package buergel_con_check;

/* List of required libraries (see also the import statements below): 
- commons-logging-1.2.jar    
- httpasyncclient-4.1.5.jar  
- httpclient-4.3.3.jar  
- httpcore-4.4.16.jar   
- httpcore-nio-4.4.16.jar  
- httpmime-4.5.14.jar      
- json-20230227.jar  
- unirest-java-3.9.00.jar
*/

import org.json.JSONArray;
import org.apache.http.auth.*;
import org.apache.http.nio.conn.*; 
import org.apache.http.concurrent.*;
import org.apache.http.nio.reactor.*;
import org.apache.commons.logging.*;
import org.apache.http.entity.mime.content.*; 
import kong.unirest.*;

public class BuergelConCheck {
  public void send_test_request() {
    Unirest.config().connectTimeout(1000).socketTimeout(2000);
    //Unirest.setTimeout(0,0);
    HttpResponse<String> response = Unirest.post("https://payport.novalnet.de/v2/module")
      .header("Content-Type", "application/json")
      .header("Charset", "utf-8")
      .header("Accept", "application/json")
      .header("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")
      .body("{\"merchant\":{\"signature\":\"###YOUR_API_SIGNATURE###\"},\"customer\":{\"customer_ip\":\"###CUSTOMER_IP###\",\"gender\":\"f\", \"first_name\": \"Max\", \"last_name\": \"Mustermann\", \"email\": \"###YOUR_MAIL###\", \"birth_date\":\"1992-06-10\",\"billing\":{\"street\":\"Musterstr\",\"house_no\":\"2\",\"city\":\"Musterhausen\",\"zip\":\"12345\",\"country_code\":\"DE\",\"tel\":\"+49 089 123456\"}},\"module\":{\"type\":\"BUERGEL_CONCHECK\",\"payment_type\": \"###PAYMENT_TYPE###\",\"payment_data\":{\"iban\":\"###IBAN###\"}},\"custom\":{\"lang\":\"DE\"}}")
      .asString();
    System.out.println(response.getBody());
  }
  public static void main(String[] args) {
    BuergelConCheck requestClient = new BuergelConCheck();
    requestClient.send_test_request();
  }

}

JAVA

//package buergel_risk_check;
// sends a request for the Buergel Risk Check for B2B customers to the v2 API

/* List of required libraries (see also the import statements below): 
- commons-logging-1.2.jar    
- httpasyncclient-4.1.5.jar  
- httpclient-4.3.3.jar  
- httpcore-4.4.16.jar   
- httpcore-nio-4.4.16.jar  
- httpmime-4.5.14.jar      
- json-20230227.jar  
- unirest-java-3.9.00.jar
*/

import org.json.JSONArray;
import org.apache.http.auth.*;
import org.apache.http.nio.conn.*; 
import org.apache.http.concurrent.*;
import org.apache.http.nio.reactor.*;
import org.apache.commons.logging.*;
import org.apache.http.entity.mime.content.*; 
import kong.unirest.*;

public class BuergelRiskCheck {
  public void send_test_request() {
    Unirest.config().connectTimeout(1000).socketTimeout(2000);
    HttpResponse<String> response = Unirest.post("https://payport.novalnet.de/v2/module")
      .header("Content-Type", "application/json")
      .header("Charset", "utf-8")
      .header("Accept", "application/json")
      .header("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")
      .body("{\"merchant\":{\"signature\":\"###YOUR_API_SIGNATURE###\"},\"customer\":{\"customer_ip\":\"###CUSTOMER_IP###\",\"gender\":\"u\", \"first_name\": \"Max\", \"last_name\": \"Mustermann\", \"email\": \"###YOUR_MAIL###\", \"birth_date\":\"1992-06-10\",\"billing\":{\"street\":\"Musterstr\",\"house_no\":\"2\",\"city\":\"Musterhausen\",\"zip\":\"12345\",\"country_code\":\"DE\",\"company\": \"ABC GmbH\",\"tel\":\"+49 089 123456\"}},\"module\":{\"type\":\"BUERGEL_RISKCHECK\",\"payment_type\": \"###PAYMENT_TYPE###\",\"payment_data\":{\"iban\":\"###IBAN###\"}},\"custom\":{\"lang\":\"DE\"}}")
      .asString();
    System.out.println(response.getBody());
  }
  public static void main(String[] args) {
    BuergelRiskCheck requestClient = new BuergelRiskCheck();
    requestClient.send_test_request();
  }

}

JAVA

//package identity_fraud_check;
// sends a request for the Identity Fraud Check (IFC) to the v2 API

/* List of required libraries (see also the import statements below): 
- commons-logging-1.2.jar    
- httpasyncclient-4.1.5.jar  
- httpclient-4.3.3.jar  
- httpcore-4.4.16.jar   
- httpcore-nio-4.4.16.jar  
- httpmime-4.5.14.jar      
- json-20230227.jar  
- unirest-java-3.9.00.jar
*/

import org.json.JSONArray;
import org.apache.http.auth.*;
import org.apache.http.nio.conn.*; 
import org.apache.http.concurrent.*;
import org.apache.http.nio.reactor.*;
import org.apache.commons.logging.*;
import org.apache.http.entity.mime.content.*; 
import kong.unirest.*;

public class IdentityFraudCheck {
  public void send_test_request() {
    Unirest.config().connectTimeout(1000).socketTimeout(2000);
    HttpResponse<String> response = Unirest.post("https://payport.novalnet.de/v2/module")
      .header("Content-Type", "application/json")
      .header("Charset", "utf-8")
      .header("Accept", "application/json")
      .header("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")
      .body("{\"merchant\":{\"signature\":\"###YOUR_API_SIGNATURE###\"},\"customer\":{\"customer_ip\":\"###CUSTOMER_IP###\",\"gender\":\"f\", \"first_name\": \"Max\", \"last_name\": \"Mustermann\", \"email\": \"###YOUR_MAIL###\", \"birth_date\":\"1992-06-10\",\"billing\":{\"street\":\"Musterstr\",\"house_no\":\"2\",\"city\":\"Musterhausen\",\"zip\":\"12345\",\"country_code\":\"DE\",\"tel\":\"+49 089 12256\"}},\"module\":{\"type\":\"BUERGEL_IDENTCHECK_CONSUMER\",\"payment_type\": \"###PAYMENT_TYPE###\",\"payment_data\":{\"iban\":\"###IBAN###\"}},\"custom\":{\"lang\":\"DE\"}}")
      .asString();
    System.out.println(response.getBody());
  }
  public static void main(String[] args) {
    IdentityFraudCheck requestClient = new IdentityFraudCheck();
    requestClient.send_test_request();
  }

}

JAVA

//package vat_id_check;

/* List of required libraries (see also the import statements below): 
- commons-logging-1.2.jar    
- httpasyncclient-4.1.5.jar  
- httpclient-4.3.3.jar  
- httpcore-4.4.16.jar   
- httpcore-nio-4.4.16.jar  
- httpmime-4.5.14.jar      
- json-20230227.jar  
- unirest-java-3.9.00.jar
*/
// sends a request for the VAT ID check to the v2 API
// test address data taken from: https://www.fakenamegenerator.com/gen-random-gr-gr.php
// test VAT ID from database entry for vendor 4

import org.json.JSONArray;
import org.apache.http.auth.*;
import org.apache.http.nio.conn.*; 
import org.apache.http.concurrent.*;
import org.apache.http.nio.reactor.*;
import org.apache.commons.logging.*;
import org.apache.http.entity.mime.content.*; 
import kong.unirest.*;

public class VATIDCheck {
  public void send_test_request() {
    Unirest.config().connectTimeout(1000).socketTimeout(2000);
    HttpResponse<String> response = Unirest.post("https://payport.novalnet.de/v2/module")
      .header("Content-Type", "application/json")
      .header("Charset", "utf-8")
      .header("Accept", "application/json")
      .header("X-NN-Access-Key", "###YOUR_ENCODED_PAYMENT_ACCESS_KEY###")
      .body("{\"merchant\":{\"signature\":\"###YOUR_API_SIGNATURE###\"},\"customer\":{\"customer_ip\":\"###CUSTOMER_IP###\",\"gender\":\"u\", \"first_name\": \"Max\", \"last_name\": \"Mustermann\", \"email\": \"###YOUR_MAIL###\", \"birth_date\":\"1992-06-10\",\"vat_id\":\"###VAT_ID###\",\"billing\":{\"street\":\"Musterstr\",\"house_no\":\"2\",\"city\":\"Musterhausen\",\"zip\":\"12345\",\"country_code\":\"DE\",\"company\": \"ABC GmbH\",\"tel\":\"+49 089 12256\"}},\"module\":{\"type\":\"VAT_ID_CHECK\"},\"custom\":{\"lang\":\"DE\"}}")
      .asString();
    System.out.println(response.getBody());
  }
  public static void main(String[] args) {
    VATIDCheck requestClient = new VATIDCheck();
    requestClient.send_test_request();
  }

}