MACH
MACH, a QR code-based payment method for Chile and it is supported by the Paysafe Payments API. MACH is a prepaid, free digital account provided by a digital bank that was established as a subsidiary of Banco Bci. It functions as a digital wallet by enabling users to pay for physical or digital transactions using their smartphones. Users can finish the payment within the MACH application by scanning a QR Code after choosing this payment option on the checkout page.
The Paysafe Payments API supports MACH via SafetyPay as a payment instrument for iGaming and Crypto Merchants in Chile. You can process MACH online payments using the Payments API.
Advantages :
- Accept payments from unbanked people
- Instant payment confirmation
- MACH has no chargebacks risks
- QR code expiration date. If the QR code is not paid in the appropriate time it expires and the transaction is cancelled
- Over 3 million users in Chile
The Payments API caters to the following needs for MACH:
- CurrencyCode: CLP
-
PaymentType: MACH
Setup Requirements
For Paysafe to create a test account in sandbox and production environments, the following information is required.
-
Paysafecard API key
Transaction Types
-
Payments
CHILE
| AMOUNT IN CHILEAN PESO | |
|---|---|
| Minimum Amount | Maximum Amount |
| $465 | $500,000 |
Payments Flow Diagram
Typical Scenarios
MACH Payment
When you want to process a payment request using MACH as the payment type, you would do the following:
-
Create a Payment Handle with the transactionType parameter set to PAYMENT and the paymentType parameter set to one of the following value: MACH
-
Redirect the customer to the SafetyPay redirect URL so they can generate a payment code. The status of the Payment Handle becomes PAYABLE. The merchant gets notified of this status change via webhooks that have been configured.
-
Use the paymentHandleToken returned in the response to process the Payment request. The Payment will have a status of PROCESSING until the customer has made the payment.
Once the Payment is successfully completed by customer online, the merchant gets Payment Completed notification via webhooks.
Create a Payment Handle Example
{
"paymentType": "MACH",
"mach": {
"consumerId": "merchantclientid5HzDvoZSodKDJ7X7VQ"
},
"transactionType": "PAYMENT",
"amount": 90000,
"currencyCode": "CLP",
"profile": {
"firstName": "ALBERTA",
"lastName": "BOBBETHCHARLESON",
"email": "accountholder0@example.com",
"phone": "1234567890",
"dateOfBirth": {
"day": 23,
"month": 12,
"year": 1990
}
},
"billingDetails": {
"nickName": "John Dee",
"street": "100",
"street2": "Queen Street",
"city": "Cupertino",
"zip": "14236",
"country": "US",
"state": "NY"
},
"merchantRefNum": "1653044860375",
"merchantDescriptor": {
"dynamicDescriptor": "Test Description",
"phone": "5555345456"
},
"shippingDetails": {
"recipientName": "Vishnu",
"street": "20735 Stevens Creek Blvd",
"street2": "Montessori",
"city": "Cupertino",
"zip": "95014",
"country": "US",
"state": "CA"
},
"dupCheck": false,
"deviceFingerprinting": {
"threatMetrixSessionId": "855d67c9-86dd-4b67-a036-72359bf5631a"
},
"returnLinks": [
{
"rel": "on_completed",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-success.html",
"method": "GET"
},
{
"rel": "on_failed",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-error.html",
"method": "GET"
},
{
"rel": "default",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-success.html",
"method": "GET"
}
]
}
MACH Redirect URL to Generate a Payment Code Example
{
"id": "53b0b704-a587-4d14-933f-2eb9c6d3f25b",
"paymentType": "MACH",
"paymentHandleToken": "PHDvNGMamNV5YRk7",
"merchantRefNum": "1653044860375",
"currencyCode": "CLP",
"txnTime": "2022-08-19T07:14:24Z",
"billingDetails": {
"street": "100",
"street2": "Queen Street",
"city": "Cupertino",
"zip": "14236",
"state": "NY",
"country": "US"
},
"customerIp": "10.195.57.168",
"status": "INITIATED",
"links": [
{
"rel": "redirect_payment",
"href": "https://api.qa.paysafe.com/alternatepayments/v1/redirect?accountId=1020462080&paymentHandleId=53b0b704-a587-4d14-933f-2eb9c6d3f25b&token=eyJhbGciOiJIUzI1NiJ9.eyJhY2QiOiIxMDIwNDYyMDgwIiwicHlkIjoiNTNiMGI3MDQtYTU4Ny00ZDE0LTkzM2YtMmViOWM2ZDNmMjViIiwiZXhwIjoxNjYwODk1MDY1fQ.ElMqOSE5KEg3fPMaGRmLiE_JYiVH0soS80w5RvZSDLk"
}
],
"liveMode": false,
"simulator": "EXTERNAL",
"usage": "SINGLE_USE",
"action": "REDIRECT",
"executionMode": "ASYNCHRONOUS",
"amount": 90000,
"merchantDescriptor": {
"dynamicDescriptor": "Test Description",
"phone": "5555345456"
},
"timeToLiveSeconds": 599,
"gatewayResponse": {
"processor": "PAYSAFECARD",
"id": "pay_1020014798_GYwczB5VcsMIBZscT7x88xqDKveAOVWc_CLP"
},
"returnLinks": [
{
"rel": "default",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-success.html"
},
{
"rel": "on_failed",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-error.html"
},
{
"rel": "on_completed",
"href": "https://api.dev.paysafe.com/checkout/v2/pages/redirect-success.html"
}
],
"transactionType": "PAYMENT",
"gatewayReconciliationId": "pay_1020014798_GYwczB5VcsMIBZscT7x88xqDKveAOVWc_CLP",
"updatedTime": "2022-08-19T07:14:25Z",
"statusTime": "2022-08-19T07:14:25Z",
"mach": {
"consumerId": "merchantclientid5HzDvoZSodKDJ7X7VQ"
},
"shippingDetails": {
"recipientName": "Vishnu",
"street": "20735 Stevens Creek Blvd",
"street2": "Montessori",
"city": "Cupertino",
"state": "CA",
"country": "US",
"zip": "95014"
},
"profile": {
"firstName": "ALBERTA",
"lastName": "BOBBETHCHARLESON",
"email": "accountholder0@example.com",
"dateOfBirth": {
"day": 23,
"month": 12,
"year": 1990
},
"phone": "1234567890"
}
}
Process Payments Request Using paymentHandleToken
{
"merchantRefNum": "1653044860375",
"amount": 90000,
"currencyCode": "CLP",
"dupCheck": true,
"settleWithAuth": true,
"paymentHandleToken": "PHDvNGMamNV5YRk7",
"customerIp": "172.0.0.1",
"description": "Casino game purchase"
}
Payment Completed Notification via Webhooks
{
"id": "4ede96bb-dcd2-48c9-8b0d-0c1346037229",
"paymentType": "MACH",
"paymentHandleToken": "PHDvNGMamNV5YRk7",
"merchantRefNum": "1653044860375",
"currencyCode": "CLP",
"settleWithAuth": true,
"dupCheck": false,
"txnTime": "2022-08-19T07:14:24Z",
"billingDetails": {
"street1": "100",
"street2": "Queen Street",
"city": "Cupertino",
"zip": "14236",
"state": "NY",
"country": "US"
},
"status": "PROCESSING",
"gatewayReconciliationId": "pay_1020014798_GYwczB5VcsMIBZscT7x88xqDKveAOVWc_CLP",
"amount": 90000,
"availableToRefund": 0,
"consumerIp": "10.195.57.168",
"liveMode": false,
"simulator": "EXTERNAL",
"updatedTime": "2022-08-19T07:18:58Z",
"statusTime": "2022-08-19T07:18:58Z",
"gatewayResponse": {
"processor": "PAYSAFECARD",
"id": "pay_1020014798_GYwczB5VcsMIBZscT7x88xqDKveAOVWc_CLP"
},
"availableToSettle": 0,
"mach": {
"consumerId": "merchantclientid5HzDvoZSodKDJ7X7VQ"
},
"shippingDetails": {
"recipientName": "Vishnu",
"street": "20735 Stevens Creek Blvd",
"street2": "Montessori",
"city": "Cupertino",
"state": "CA",
"country": "US",
"zip": "95014"
},
"profile": {
"firstName": "ALBERTA",
"lastName": "BOBBETHCHARLESON",
"email": "accountholder0@example.com",
"dateOfBirth": {
"day": 23,
"month": 12,
"year": 1990
},
"phone": "1234567890"
},
"settlements": {
"amount": 90000,
"txnTime": "2022-08-19T07:14:24.000+0000",
"availableToRefund": 0,
"merchantRefNum": "1653044860375",
"id": "4ede96bb-dcd2-48c9-8b0d-0c1346037229",
"status": "RECEIVED"
}
}
To know more about each parameter, you can visit Payments.