Satispay

Satispay is an app that allows users to make purchases online and in physical stores, send and receive money, subscribe to services and save.

Fabrick Payment Orchestra enables Merchants to get paid through Satispay, including on a recurring basis.

Available Satispay products

The current integration enables Merchants to receive payments through 3 products:

• e-money

  Satispay's default product: the Satispay electronic wallet topped up by the Customer via IBAN

• meal voucher

  Only Merchants with specific MCCs (e.g. food, beverage, groceries) can offer payment with meal vouchers. In addition to belonging to an eligible merchant category, the Merchant must explicitly request Satispay to enable this product on their shop. To offer this payment method, it is also necessary to enable payments with contextual capture. The maximum number of Meal Vouchers usable in a single transaction is 8 by default, in compliance with Italian regulations. Meal Vouchers can be combined with e-money in the same transaction.

• fringe benefit

  Only Merchants with specific MCCs can offer payment with fringe benefits. In addition to belonging to an eligible merchant category, the Merchant must explicitly request Satispay to enable this product on their shop. There are no constraints on the capture type the Merchant decides to set on their account: Fringe Benefits can also be used with separate capture. Fringe Benefits cannot be combined with either e-money or Meal Vouchers in the same transaction: they are mutually exclusive methods (Satispay reference).

Recurring payments are enabled and available for all Merchants.

Refund limits

Refund rules vary depending on the Satispay product used by the buyer in the payment (Satispay reference):

Product	Time window	Partial refund
e-money	Within 365 days from payment creation	Allowed (including multiple refunds, up to the total)
meal voucher	Only on the same day as payment creation	Not allowed: total amount only
fringe benefit	By the end of the month of payment creation	Not allowed: total amount only

How it works for merchants

Merchants who want to activate Satispay on their payment page must follow these steps:

• Register a business account on the Satispay website
• Request Fabrick Payment Orchestra to activate the Satispay payment method
• To use meal vouchers and/or fringe benefits, request their activation directly from Satispay
• Log in to the Satispay dashboard, retrieve the Shop Code and the Activation Code and communicate them to Fabrick
• Wait for Fabrick's confirmation that the payment method configuration was successful

For those who do not use the method selection directly on the Fabrick Payment Orchestra payment page (and therefore have an S2S-type integration), the value to populate the paymentType tag with is SATISPAY. See the section How to direct a customer to a payment method to learn more about how to use the tag.

Fields to send in the call to Satispay

There are no specific mandatory fields to send to Satispay in the call.

Below is an example of a call without specific parameters that still allows the payment method to be used without issues:

{
  "amount": "375.5",
  "currency": "EUR",
  "shopTransactionId": "Your_Transaction_Id",
  "shopLogin": "SHOPLOGIN",
  "paymentType": ["SATISPAY"],
  "paymentChannel":{
    "channelType":["LINK"]
  }
}

If you want to start a RECURRING PAYMENTS flow, you need to send a tokenization request that mandatorily includes the satisPayDescription field, as in the example below:

{
  "amount": "0",
  "currency": "EUR",
  "paymentType": [
    "SATISPAY"
  ],
  "responseURLs": {
    "buyerKO": "https://sandbox.gestpay.net/pagam/AxerveThankYou.aspx?",
    "buyerOK": "https://sandbox.gestpay.net/pagam/AxerveThankYou.aspx?"
  },
  "satisPayDescription": "Gym subscription",
  "shopLogin": "FBKSATISPAY",
  "shopTransactionID": "75788607198445390000"
}

Following the tokenization call, the Merchant can send the payment request by including the token inside PaymentTypeDetails, as in the example below:

Create call

{
  "amount": "22",
  "currency": "EUR",
  "paymentType": [
  ],
  "responseURLs": {
    "buyerKO": "https://sandbox.gestpay.net/pagam/AxerveThankYou.aspx?",
    "buyerOK": "https://sandbox.gestpay.net/pagam/AxerveThankYou.aspx?"
  },
  "shopLogin": "FBKSATISPAY",
  "shopTransactionID": "93258538934011540000"
}

Submit call

{
  "paymentType": "SATISPAY",
  "paymentTypeDetails": {
    "satisPay": {
      "token": "ST2TQTH2TK6L889E"
    }
  },
  "shopLogin": "FBKSATISPAY"
}

Payments with Meal Vouchers and Fringe Benefits

If the shop is enabled for meal vouchers and/or fringe benefits, these products are always active: they are applied automatically by Satispay based on the buyer's availability and on the wallet set as primary in their app. No specific parameter needs to be sent to accept them.

Meal Vouchers: limiting the transaction thresholds

For Meal Vouchers only, it is possible to change the thresholds applied to the single transaction by sending the OrderDetails.ProductDetails[x] parameter with Type set to 12:

FIELD	EFFECT
Type: "12"	Identifies the item as a Meal Voucher configuration
Quantity	Maximum number of vouchers usable in the transaction (default: 8, in compliance with Italian regulations)
Price	Maximum total amount payable with vouchers

The actual number of vouchers is decided by Satispay

These parameters only define thresholds: Satispay determines how many vouchers are actually used, based on the availability on the buyer's account. The real number of vouchers used is known only once the payment is completed.

Example of a call with Meal Voucher threshold configuration:

{
  "amount": "65.5",
  "currency": "EUR",
  "shopTransactionId": "Your_Transaction_Id",
  "shopLogin": "SHOPLOGIN",
  "paymentType": ["SATISPAY"],
  "paymentChannel":{
    "channelType":["LINK"]
  },
  "orderDetails": {
    "ProductDetails": [
      {
        "Name": "Meal vouchers",
        "Quantity": "8",
        "Price": "64",
        "UnitPrice": "8",
        "Type": "12"
      },
      {
        "Name": "Purchase",
        "Quantity": "1",
        "Price": "1.5",
        "UnitPrice": "1.5",
        "Type": "1"
      }
    ]
  }
}

In the example: the transaction accepts a maximum of 8 vouchers (Quantity) for a total voucher amount not exceeding €64 (Price); any difference from the total amount is covered with e-money.

Fringe Benefits: no parameter required

For Fringe Benefits there is no configuration parameter: if the shop is enabled, they are applied automatically when the buyer has the Fringe Benefit wallet set as primary. Number and amount cannot be indicated to Satispay, so no dedicated ProductDetails item should be sent.

Partial refund not available

Payments made with Fringe Benefits can be refunded for the total amount only and by the end of the month of payment creation (Satispay reference). See Refund limits.

Satispay in the test environment

The process to follow to access the Test environment is the same as for Production: you can therefore request access to the test environment directly from Satispay, obtain the Shop Code and the Activation Code to communicate to Fabrick, and connect to the Test environment to test payments.