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SberPay

This scenario describes how to receive payments via SberPay. These payments, one-time and recurring, do not require card details from customers. To select a recurring payment method, inform your manager in Bank 131 upon boarding.

You should confirm a payment within 20 minutes by sending session/confirm. Otherwise, the session terminates within 20 minutes with the canceled status.

Payment scenario​

The payment scenario depends on the customer's payment channel: mobile application (app), mobile browser (mobile_web), or desktop browser (web).

  1. Create a separate session using the session/create method, or create a session with the payment using the session/init/payment method and pass all the required parameters, including the following ones:
  • sber_pay in the type parameter
  • app in the channel parameter

    The session/start/payment method is required to be sent after you created a separate session.

  1. Wait for a ready_to_confirm webhook from Bank 131 when Bank 131 is ready to process the payment and is waiting for your confirmation.
  2. Confirm your payment by sending a session/confirm request, or cancel the payment sending a session/cancel request.

    You can also use the sberpay/push method to additionally send PUSH or SMS notifications to customers (PUSH/SMS notification channel is set by Sber). Note that it is not recommended to use the sberpay/push method with channel = app. In this case, Bank 131 cannot guarantee a successful payment.

  3. Bank 131 will send you an action_required webhook containing a URL within redirect.url to forward the customer to a Sber mobile application.
  4. For iOS devices, forward the customer by the deeplink passed within the redirect.url parameter to a Sber mobile application. Use the algorithm below to select the proper mobile application to forward the customer:
    1. Open the btripsexpenses://sbolpay/... deeplink.
    2. Wait 50ms.
    3. Reload the page to hide a possible alert if the deeplink could not open properly.
    4. Redirect back to your page with the new request settings.
    5. Open the budgetonline-ios://sbolpay.... link.
    6. Wait 50ms.
    7. Reload the page to hide a possible alert if the deeplink could not open properly.
    8. Redirect back to your page with the new request settings.
    9. Open the ios-app-smartonline://sbolpay/... deeplink.
    10. Wait 50ms.
    11. Reload the page to hide a possible alert if the deeplink could not open properly.
    12. Redirect back to your page with the new request settings.
    13. Open the onlineappmobile://sbolpay/... deeplink.
    14. Wait 50ms.
    15. Reload the page.
    16. Follow the deeplink to the Sber landing page.
  5. Wait until the customer approves or cancels the payment. After that, Sber takes the customer back to the URL or deeplink passed within the return_url parameter.
  6. Wait for a payment_finished webhook from Bank 131 with the transaction results. You can also send requests (no more than once in 5 seconds) to obtain the transaction status.

    If the customer cancels the transaction, the transaction status will renew only after 20 minutes, as soon as the customer's order expires.

  7. Pass the transaction status to the customer.
Request example 
curl -X POST \
  https://proxy.bank131.ru/api/v1/session/init/payment \
  -H 'Content-Type: application/json' \
  -H 'X-PARTNER-PROJECT: your_project_name' \
  -H 'X-PARTNER-SIGN: signature' \
  -d '{
    "payment_details": {
      "type": "internet_banking",
      "internet_banking": {
        "type": "sber_pay",
        "sber_pay": {
          "phone": "71234567890",
          "channel": "app"
        }
      }
    },
    "amount_details": {
      "amount": 1000,
      "currency": "RUB"
    },
    "metadata": "app",
    "customer": {
      "reference": "user-ebf7-4815-af0a-b1f77e6de7e7"
    },
    "payment_options": {
      "return_url": "https://t.me/bank131"
    }
  }'
Response example 
{
  "status": "ok",
  "session": {
    "id": "ps_12345",
    "status": "in_progress",
    "created_at": "2023-09-29T05:42:10.549869Z",
    "updated_at": "2023-09-29T05:42:10.948457Z",
    "acquiring_payments": [{
      "id": "pm_131",
      "status": "in_progress",
      "created_at": "2023-09-29T05:42:10.973559Z",
      "customer": {
        "reference": "user-ebf7-4815-af0a-b1f77e6de7e7"
      },
      "payment_details": {
        "type": "internet_banking",
        "internet_banking": {
          "type": "sber_pay",
          "sber_pay": {
            "phone": "71234567890",
            "channel": "app"
          }
        }
      },
      "amount_details": {
        "amount": 1000,
        "currency": "RUB"
      },
      "metadata": "order123",
      "payment_options": {
        "return_url": "https://t.me/bank131",
        "recurrent": false
      }
    }]
  }
}

Selecting a proper deeplink for Sber iOS mobile applications​

Code example​

Code example for selection logic implementation
const openBtripsexpenses = () => {
    window.location.href =
        "btripsexpenses://sbolpay/invoicing/v2?bankInvoiceId=1961101c8c524c7fa15a9f101e965c58&orderNumber=d76d899c-6ffb-7116-ae89-afc802a92bb01";
};

const openBudgetonline = () => {
    window.location.href =
        "budgetonline-ios://sbolpay/invoicing/v2?bankInvoiceId=1961101c8c524c7fa15a9f101e965c58&orderNumber=d76d899c-6ffb-7116-ae89-afc802a92bb0";
};

const openIosAppSmartonline = () => {
    window.location.href =
        "ios-app-smartonline://sbolpay/invoicing/v2?bankInvoiceId=1961101c8c524c7fa15a9f101e965c58&orderNumber=d76d899c-6ffb-7116-ae89-afc802a92bb0";
};

const openOnlineappmobile = () => {
    window.location.href =
        "onlineappmobile://sbolpay/invoicing/v2?bankInvoiceId=1961101c8c524c7fa15a9f101e965c58&orderNumber=d76d899c-6ffb-7116-ae89-afc802a92bb0";
};

const openLandingpage = () => {
    window.location.href =
        "https://www.sberbank.ru/ru/person/payments/online_sberpay";
};

const clearMessage = () => {
    window.location.href =
        "./same_page.html";
};

if (platform == "android") {
    setTimeout(openSberpay, 100);
    clearMessage();
    setTimeout(openLandingpage, 800);
} else if (platform == "iPhone") {
    setTimeout(openIosAppSmartonline, 50);
    clearMessage();
    setTimeout(openBtripsexpenses, 50);
    clearMessage();
    setTimeout(openBudgetonline, 50);
    clearMessage();
    setTimeout(openOnlineappmobile, 50);
    clearMessage();
    setTimeout(openLandingpage, 800);
}

Recurring payments​

CIT recurring payments via SberPay are not supported.

To make MIT recurring payments via SberPay:

  1. Get a token by sending recurrent=true (in the payment_options object) in the request. If the payment is successful, you will get the token in the payment_finished webhook in the recurrent.token parameter.

    Example 
    curl -X POST \
      https://proxy.bank131.ru/api/v1/session/init/payment \
      -H 'Content-Type: application/json' \
      -H 'X-PARTNER-PROJECT: your_project_name' \
      -H 'X-PARTNER-SIGN: signature' \
      -d '{
        "payment_details": {
          "type": "internet_banking",
          "internet_banking": {
            "type": "sber_pay",
            "sber_pay": {
              "phone": "71234567890",
              "channel": "app"
            }
          }
        },
        "amount_details": {
          "amount": 1000,
          "currency": "RUB"
        },
        "metadata": "app",
        "customer": {
          "reference": "user-ebf7-4815-af0a-b1f77e6de7e7"
        },
        "payment_options": {
          "return_url": "https://t.me/bank131",
          "recurrent": "true"
        }
      }'

  2. Use the token to make recurring payments.

    Example 
    curl -X POST \
      https://proxy.bank131.ru/api/v1/session/init/payment \
      -H 'Content-Type: application/json' \
      -H 'X-PARTNER-PROJECT: your_project_name' \
      -H 'X-PARTNER-SIGN: signature' \
      -d '{
        "payment_details": {
          "type": "recurrent",
          "recurrent": {
             "token": "e9876f32bcd947f79c324cf2da5726304a894f6ae2037de7705fdb3e0a134d39"
          }
        },
        "amount_details": {
          "amount": 1000,
          "currency": "RUB"
        },
        "metadata": "app",
        "customer": {
          "reference": "user-ebf7-4815-af0a-b1f77e6de7e7"
        }
      }'




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