--- title: "AppPago" description: "AppPago is the Buy Now, Pay Later solution by Sella Personal Credit that allows buyers to defer or spread the payment. In this guide you will learn how to activate it, configure it on Fabrick Payment Orchestra and integrate it correctly into your e-commerce." url: "https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/" language: "en" --- # AppPago ## Why choose AppPago AppPago is the **Buy Now, Pay Later (BNPL)** solution by Sella Personal Credit that allows buyers to purchase goods or services online and to defer or spread the payment, according to the terms of the service. The buyer completes the purchase by selecting AppPago as the payment method during the checkout and following its authorization process. --- ## Services and features available through the Fabrick integration Integrating AppPago with Fabrick Payment Orchestra gives you access to the following features: - **Deferred or instalment payments**: the buyer can spread or postpone the payment according to the terms set by AppPago. - **A single integration with Fabrick**: AppPago is added alongside the other payment methods without changing your existing Payment Orchestra integration. - **Tax code sent in the request or requested on the page**: the data can be sent by the merchant in the payment request or requested by Fabrick during the checkout (see [Tax code](https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/#tax-code)). ### Minimum amount AppPago can only be used for transactions of **€60** or more. ### Unified capture AppPago supports **unified capture** only, with the amount captured at the time of the authorization and no option to request the capture at a later stage. As no separate authorization stage is available, the transaction cannot be cancelled. ### Tax code The **buyer's tax code is mandatory** to complete a payment with AppPago. The merchant can choose whether to send it in the payment request or to let Fabrick request it from the buyer: | Mode | Behaviour | | --------------------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Handled by the merchant** | The tax code is collected on the merchant's website and sent in the payment request. Fabrick uses the data received and the buyer goes straight to AppPago (see [CustomerDetail](https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/#customerdetail)) | | **Delegated to Fabrick** | If the data is not sent, Fabrick shows the buyer a dedicated page to enter the tax code before proceeding with the payment | ![Tax code request](https://docs.fabrick.com/en/assets/images/apppago-cf-f8e2f534ee57d0dd2ed5349c8cbef9f2.png) --- ## AppPago on Fabrick Payment Orchestra: activation and integration types ### Activation request To use AppPago you need an active **agreement with Sella Personal Credit**. If you have not activated it yet, you can request it on the [AppPago website](https://www.apppago.it/). To start accepting AppPago payments, you can request the activation: - By contacting your sales representative - By contacting support at the following [link](https://landing.fabrick.com/fabrick-dashboard-support) > **Data required for the activation** > > During activation you must provide Fabrick with the merchant's **VAT number** registered with AppPago and the **merchant identifier** assigned to the merchant by AppPago. Without them the configuration cannot be completed. Once the required procedures are complete: - Fabrick enables AppPago on the shop and informs the merchant. - You can verify that the payment method is active in the Dashboard, under **Workspace → Shops → \[Select shop] → Settings** ![AppPago](https://docs.fabrick.com/en/assets/images/apppago-attivazione-c4f7f30bf2954b8d34f9123c288c262f.png) > **Activation complete** > > From this moment on, your e-commerce is ready to accept AppPago payments through Fabrick Payment Orchestra. ### Integration types Fabrick offers two integration types for AppPago: - **Hosted integration** ### Supported integrations ✓ — Checkout Page ✓ — Pay By Link ✓ — Web Component ✓ — Lightbox AppPago is displayed directly on the Fabrick payment page, with no development work required on the merchant's side. Fabrick handles the display of the payment method, the entry of the tax code and the entire processing phase. - **API integration** ### Supported integrations ✓ — API Only The redirect to AppPago is handled directly through the API. You need to initialise the transaction with `payment/create`, setting the `paymentType` field to the **`APPPAGO`** tag, and handle the buyer's redirect. > **Testing AppPago in the sandbox environment** > > In the test environment, use the tax code `RSSMRA80A01F205X` to complete the payment, either sending it in the request or entering it on the dedicated Fabrick page. --- ## Hosted integration **AppPago is displayed directly on the Fabrick payment page**, with no additional development work on the merchant's side. Fabrick handles the display of the payment method and the entire transaction processing phase. To set up the call for the hosted integration, go to the [creating the transaction and redirecting to AppPago](https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/#creating-the-transaction-and-redirecting-to-apppago) section and **remove the `paymentType` field** from the `payment/create` call. ![Payment page with AppPago](https://docs.fabrick.com/en/assets/images/apppago-checkout-page-7f018c040bbda5e5d242bfffb25ee253.png) When the buyer selects AppPago, if the tax code was not sent in the call Fabrick requests it on a dedicated page. Once the data is available, entered on the page or already present in the request, the buyer is redirected to AppPago to complete the payment. ![Redirect to AppPago](https://docs.fabrick.com/en/assets/images/apppago-checkout-page-2-30c59de176aeaa05bf346690dc8621a9.png) --- ## API integration To request an AppPago payment using the API integration, you need to initialise the transaction with `payment/create` using the **`APPPAGO`** tag in the `paymentType` field. ### Creating the transaction and redirecting to AppPago **Request** ```http POST /api/v1/payment/create Host (sandbox): sandbox.gestpay.net Host (production): ecomms2s.sella.it Authorization: apikey **************** Content-Type: application/json ``` ```json { "shopLogin": "GESPAY12345", "amount": "500", "currency": "EUR", "shopTransactionID": "FBK_OrderID", "paymentType": ["APPPAGO"], // Remove this line for the hosted integration "paymentChannel": { "channelType": ["LINK"] }, "orderDetails": { "customerDetail": { "SocialSecurityNumber": "RSSMRA80A01F205X" } } } ``` > **Tax code optional in the call** > > The `SocialSecurityNumber` field can be omitted: in that case Fabrick requests the tax code through the dedicated page (see [Tax code](https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/#tax-code)). > **AppPago button** > > The returned link can be used under a *Pay with AppPago* button, in line with the [brand usage guidelines](https://www.apppago.it/risorse/marketing/). --- ## Fields to send in the call to AppPago AppPago requires no mandatory fields in the call. The buyer's tax code can however be sent in the payment request (see [Tax code](https://docs.fabrick.com/en/payment-hub-and-orchestra/ecommerce/alternative-payments/apppago/#tax-code)). ### CustomerDetail | Field | Description | | -------------------------------------------------- | ----------------------------------------------------------------------------------------------- | | `orderDetails.customerDetail.SocialSecurityNumber` | Buyer's tax code. If it is not populated, the buyer is asked for it on a dedicated Fabrick page | --- ## Support **Fabrick** - **Status page**: [https://status.fabrick.com/](https://status.fabrick.com/) - **Support**: [https://landing.fabrick.com/fabrick-dashboard-support](https://landing.fabrick.com/fabrick-dashboard-support) **AppPago** - **Support**: [https://www.apppago.it/assistenza](https://www.apppago.it/assistenza)