Coins.ph

Overview

Introduction

Coins.ph is a payment method which allows you to process payments in Philippine pesos by using e-wallets in the Philippines. This method supports purchases and payouts.

This article provides information about working with the Coins.ph method: general insights are presented in the Overview section, while information about the actions required to process payments and perform other actions is presented in the sections that follow.

General information

Payment method type digital wallet payments
Payment instruments digital wallets
Countries and regions PH
Payment currencies PHP
Currency conversion on the ecommpay side
One-time purchases +
Credential-on-file purchases –
Full refunds +
Partial refunds +
Payouts +
Chargebacks –
Notes full and partial refunds are available only directly from the provider service
Onboarding and access fee refer to your ecommpay key account manager, additional information is available in ecommshop

Interaction diagram

Payment processing by using the Coins.ph method involves the merchant's web service, one of ecommpay interfaces, the ecommpay payment platform, and technical facilities of the Coins.ph service.



Operations support

  Amounts, PHP Times ¹
minimum maximum basic threshold
Purchases 1.00 1,000,000.00 30 minutes 1 day
Payouts 1.00 50,000.00 24 hours 48 hours
Refunds * * * *

* To request a full or partial refund, customer needs to submit the online refund form.

Note:
  1. The base and threshold times are defined as follows:
    • The base time is the average estimated time between the moment a payment is initiated in the payment platform to the moment the payment result is sent to the web service. The base time evaluation is made on the assumption of normal operation of all technical facilities and communication channels and typical customer behaviour (if any input from the customer is required). Use the base time to estimate when to react to the absence of payment result callbacks or when to check payment status (details).
    • The threshold time is the maximum possible time between the moment a payment is initiated in the payment platform to the moment the web service receives the callback with the payment result. A payment is automatically assigned the decline status if it wasn't processed within the threshold time. For individual customisation of the threshold time limit, contact ecommpay technical support.

Processing scenarios

To perform a purchase by using the Coins.ph method, you need to redirect the customer to the Coins.ph service, while to initiate a payout, you need to notify the customer via the web service.

The customer payment scenario via Payment Page looks like this.

Figure: Proceeding to payment



Figure: Selecting method



Figure: Authentication



Figure: Confirming payment



Figure: Redirecting to the payment form



Figure: Redirecting to the web service



General scenarios of processing purchases and payouts can be presented as follows.

Figure: Purchase by using Payment Page

Figure: Purchase by using Gate

Figure: Payout by using Gate

Purchases by using Payment Page

General information

To process a purchase through Payment Page by using the Coins.ph method, the merchant's web service is required to send a request with all required parameters and signature to the ecommpay URL and receive a callback with the result. The full sequence and special aspects of purchase processing are provided below.



Figure: Purchase processing by using Payment Page: step-by-step description

  1. A customer initiates a purchase in the web service.
  2. The web service sends the request for opening Payment Page to the specified ecommpay URL.
  3. The request for opening Payment Page is sent to the payment platform.
  4. The payment platform receives the request and validates the required parameters and signature.
  5. Payment Page is generated based on the project and request parameters.
  6. Payment Page is displayed to the customer.
  7. The customer selects the Coins.ph method.
  8. The payment platform receives the request for processing the payment by using the Coins.ph method.
  9. The payment platform processes the request and sends it to the Coins.ph service.
  10. The request is processed on the Coins.ph service side.
  11. The data for redirecting the customer to the Coins.ph service is sent from the Coins.ph service to the payment platform.
  12. The data for redirecting the customer is sent from the payment platform to Payment Page.
  13. The customer is redirected to the Coins.ph service.
  14. The customer completes all required payment steps.
  15. The purchase is processed in the Coins.ph service.
  16. The result information is displayed to the customer in the Coins.ph service.
  17. The customer is redirected to Payment Page.
  18. The Coins.ph service sends a notification about the result to the payment platform.
  19. The payment platform sends the payment result callback to the web service.
  20. The payment platform sends the result information to Payment Page.
  21. The result information is displayed to the customer on Payment Page.

Information about the formats of requests and callbacks used for processing payments by using the Coins.ph method via Payment Page is presented further in this section; general information about working with the Payment Page API is presented in Interaction concepts.

Request format

There are several things you need to consider when sending purchase requests by using the Coins.ph method:

  1. The following parameters required for any payment must be specified:
    • project_id—project identifier obtained from ecommpay during integration
    • payment_id—payment identifier unique within the project
    • payment_currency—payment currency code in the ISO-4217 alpha-3 format
    • payment_amount—payment amount in the smallest currency unit
    • customer_id—customer identifier unique within the project
  2. The following parameters required for any payment must be specified: project_id, payment_id, payment_currency, payment_amount, customer_id.
  3. Additionally, it is recommended to specify the email address of the customer in the parameter customer_email. If this parameter is missing, the payment form may display the input field for entering the missing value (details are available in Submission of additional payment information). If the parameter is specified in the request, the additional pre-filled field is displayed to the customer on Payment Page. The field contains the value specified in the request, the customer can verify or change the email.
  4. If you need to have the payment form displayed with the Coins.ph method selected, set the force_payment_method parameter to coinsph-wallet.
  5. Additionally, any other parameters available for working with Payment Page can be used (details).
  6. After all target parameters are specified, generate a signature (details).

Thus, a correct request for opening the payment form using the Coins.ph method must contain the project identifier, basic payment information (identifier, amount, and currency code), customer information and signature.

{
   "project_id": 120,
   "payment_id": "580",
   "payment_amount": 1000,
   "payment_currency": "PHP",
   "customer_id": "customer1",
   "customer_email": "test@example.com",
   "signature": "kUi2x9dKHAVNU0FYldOcZzUCwX6R\/ekpZhkIQg=="
}

Figure: Example of sufficient data in a purchase request

{
   "project_id": 120,
   "payment_id": "580",
   "payment_amount": 1000,
   "payment_currency": "PHP",
   "customer_id": "customer1",
   "customer_email": "test@example.com",
   "signature": "kUi2x9dKHAVNU0FYldOcZzUCwX6R\/ekpZhkIQg=="
}

Callback format

The Coins.ph method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

The following is the example of a callback with information about a 10.00 PHP purchase made in the 239 project.

Figure: Example of callback data indicating that the purchase has been processed

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfd",
            "type": "purchase",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 464,
            "type": "sale",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000001",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGoA=="
    }
}

The following is the example of a callback with information about a declined purchase.

Figure: Example of callback data indicating that the purchase has been declined

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfc",
            "type": "purchase",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 465,
            "type": "sale",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000002",
            "sum_initial": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGob=="
    }
}

Useful links

The following articles can be useful when implementing purchases via Payment Page:

Purchases by using Gate

General information

To process a purchase through Gate by using the Coins.ph method, the merchant's web service is required to do the following:

  1. Send a request with all the required parameters and signature to the ecommpay URL.
  2. Receive an intermediate callback from the payment platform and redirect the customer to the Coins.ph service.
  3. Receive the final callback from the payment platform.

The full sequence and special aspects of purchase processing are provided below.



Figure: Purchase processing by using Gate: step-by-step description

  1. A customer initiates a purchase by using the Coins.ph method in the web service.
  2. The web service sends the request for processing the purchase by using Gate to the specified ecommpay URL.
  3. The payment platform receives the request.
  4. The payment platform validates the required parameters and signature in the request.
  5. The payment platform sends the response to the web service with information about the receipt of the request and its validity (details).
  6. The payment platform performs further processing of the request (with parameter consistency check) and sends it to the Coins.ph service.
  7. The request is processed on the Coins.ph service side.
  8. The Coins.ph service sends the redirection data to the payment platform.
  9. The payment platform sends the callback with the redirection data to the web service.
  10. The customer is redirected to the Coins.ph service.
  11. The customer completes all required payment steps.
  12. The purchase is processed in the Coins.ph service.
  13. The result is displayed to the customer.
  14. The customer is redirected to the web service.
  15. The Coins.ph service sends the payment result notification to the payment platform.
  16. The payment platform sends the payment result callback to the web service.
  17. The customer receives the payment result information from the web service.

Information about the formats of requests and callbacks used for processing payments by using the Coins.ph method via Gate is presented further in this section. General information about working with the Gate API is presented in Interaction concepts.

Request format

There are several things you need to consider when sending purchase requests by using the Coins.ph method:

  1. To initiate each purchase, send a separate POST request to the v2/payment/wallet/coinsph/sale endpoint. This endpoint belongs to the group /v2/payment/wallet/{payment_method}/sale.
  2. Each request must include the following objects and parameters:
    • Object general—general purchase information:
      • project_id—project identifier obtained from ecommpay during integration
      • payment_id—payment identifier unique within the project
      • signature—request signature generated after all required parameters are specified (details—in the Signature generation and verification) (details)
    • Object payment—payment information:
      • amount—payment amount in the smallest currency unit
      • currency—payment currency code in the ISO-4217 alpha-3 format
    • Object customer—customer information:
      • id—customer identifier unique within the project
      • ip_address—customer IP address relevant for the initiated payment
      • email—customer email address
    • Object return_url—contains the URLs to which customer is redirected while or after payment processing:
      • success—URL to return customer to the web service after a successful payment.
  3. Additionally, any other parameters included in the specification can be used.

Thus, a correct purchase request by using the Coins.ph method must contain the project identifier, basic payment information (identifier, amount, and currency code), customer information, URL for redirection and signature.

{
    "general": {
        "project_id": 580,
        "payment_id": "test_coinsph_sale",
        "signature": "pgwRHcfv2/ymu08nMx/9FSeIqYHTTd6YhIiLWw=="
    },
    "payment": {
        "amount": 1000,
        "currency": "PHP"
    },
    "customer": {
        "email": "test_customer@example.com",
        "id": "123",
        "ip_address": "192.0.2.0"
    },
    "return_url": {
        "success": "http://example.com/success"
  }
}

Figure: Example of sufficient data in a purchase request

{
    "general": {
        "project_id": 580,
        "payment_id": "test_coinsph_sale",
        "signature": "pgwRHcfv2/ymu08nMx/9FSeIqYHTTd6YhIiLWw=="
    },
    "payment": {
        "amount": 1000,
        "currency": "PHP"
    },
    "customer": {
        "email": "test_customer@example.com",
        "id": "123",
        "ip_address": "192.0.2.0"
    },
    "return_url": {
        "success": "http://example.com/success"
  }
}

Formats of intermediate callbacks for customer redirection

Each payment made with the Coins.ph method requires redirection of customers from the merchant's web service to the Coins.ph service. To redirect a customer it is necessary to receive an intermediate callback from the payment platform and use the information included in the redirect_data object. The format of such callbacks is standard (details), and the following objects and parameters are included in the redirect_data object:

  • body—object with data to be sent in the request body
  • method—parameter specifying the HTTP method for sending the request (GET or POST)
  • url—parameter containing a link for redirection

Figure: redirect_data example

"redirect_data": {
    "body": {},
    "method": "GET",
    "url": "https://test.ph/Pay.aspx?tokenid=3f511c2d&procid=BITC"
  }

Final callback format

The Coins.ph method uses the standard format for callbacks to deliver purchase results. For more information, see Callbacks.

The following is the example of a callback with information about a 10.00 PHP purchase made in the 239 project.

Figure: Example of callback data indicating that the purchase has been processed

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfd",
            "type": "purchase",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 464,
            "type": "sale",
            "status": "success",
            "date": "2020-03-06T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000001",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "code": "0",
            "message": "Success",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGoA=="
    }
}

The following is the example of a callback with information about a declined purchase.

Figure: Example of callback data indicating that the purchase has been declined

 {
        "project_id": 239,
        "payment": {
            "id": "EPfa87-bcfc",
            "type": "purchase",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "description": ""
        },
        "operation": {
            "id": 465,
            "type": "sale",
            "status": "decline",
            "date": "2020-03-07T14:11:00+0000",
            "created_date": "2020-03-06T14:10:34+0000",
            "request_id": "f6ab99eb0940e43a774b969cb74a88ef08eec6c8951-00000002",
            "sum_initial": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 200000000,
                "currency": "PHP"
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit",
            "provider": {
                "id": 1369,
                "payment_id": "7QKID3P3",
                "auth_code": "",
                "date": "2020-03-06T14:10:54+0000"
            }
        },
        "signature": "YZKXHr2ZdK3tPqiMzPpSJZ...+WGku5dANQAVWPteHKmwzMQ+mvGob=="
    }
}

Useful links

The following articles can be useful when implementing purchases via Gate:

Payouts by using Gate

General information

To process a payout through Gate by using the Coins.ph method, send a request with all required parameters and signature to the ecommpay URL and receive a callback with the result. The full sequence and special aspects of payout processing are provided below.



Figure: Payout processing by using Gate: step-by-step description

  1. A customer initiates a payout by using the Coins.ph method in the web service.
  2. The web service sends the request for processing the payout by using Gate to the specified ecommpay URL.
  3. The payment platform receives the request.
  4. The payment platform validates the required parameters and signature in the request.
  5. The payment platform sends the response to the web service with information about the receipt of the request and its validity (details).
  6. The payment platform performs further processing of the request (with parameter consistency check) and sends it to the Coins.ph service.
  7. The payout is processed on the side of the Coins.ph service.
  8. The Coins.ph service sends the result notification to the payment platform.
  9. The payment platform sends the result callback to the web service.
  10. The customer receives the payout result information from the web service.

Information about the formats of requests and callbacks used for processing payouts by using the Coins.ph method via Gate is presented further in this section. General information about working with the Gate API is presented in Interaction concepts.

Request format

There are several things you need to consider when sending payout requests by using the Coins.ph method:

  1. To initiate each payout send a separate POST request to the /v2/payment/wallet/coinsph/payout endpoint. This endpoint belongs to the group: /v2/payment/wallet/{payment_method}/payout.
  2. Each request must include the following objects and parameters:
    • Object general—general payout information:
      • project_id—project identifier obtained from ecommpay during integration
      • payment_id—payment identifier unique within the project
      • signature—request signature generated after all required parameters are specified (details—in the Signature generation and verification) details
    • Object payment—payment information:
      • amount—payout amount in the smallest currency unit
      • currency—payout currency code in the ISO-4217 alpha-3 format
    • Object customer—customer information:
      • id—customer identifier unique within the project
      • ip_address—customer IP address relevant for the initiated payout
    • Object account—customer account information:
      • number—account identifier, must consist of 11 digits starting with 09
      • customer_name—full customer name
  3. Additionally, any other parameters included in the specification can be used.

Thus, a correct payout request by using the Coins.ph method must contain the project identifier, basic payment information (identifier, amount, and currency code), customer and account information, as well as signature.

 {
 "general": {
   "project_id": 603,
   "payment_id": "1000003",
   "signature": "PJkV8ej/UG0Di8hTng6JvC7vQsaC6tajQVVLhNN5e7cV...=="
 },
 "customer": {
   "id": "111232323",
   "ip_address": "192.0.2.0"
 },
 "payment": {
   "amount": 1000,
   "currency": "PHP"
 },
 "account": {
   "number": "09123456789",
   "customer_name": "John Doe"
 }
}

Figure: Example of sufficient data in a purchase request

 {
 "general": {
   "project_id": 603,
   "payment_id": "1000003",
   "signature": "PJkV8ej/UG0Di8hTng6JvC7vQsaC6tajQVVLhNN5e7cV...=="
 },
 "customer": {
   "id": "111232323",
   "ip_address": "192.0.2.0"
 },
 "payment": {
   "amount": 1000,
   "currency": "PHP"
 },
 "account": {
   "number": "09123456789",
   "customer_name": "John Doe"
 }
}

Callback format

The Coins.ph method uses the standard format for callbacks to deliver payout results. For more information, see Callbacks.

The following is the example of a callback with information about a 10.00 PHP payout made in the 445 project.

Figure: Example of callback data indicating that the payout has been processed

 {
        "project_id": 445,
        "payment": {
            "id": "100011",
            "type": "payout",
            "status": "success",
            "date": "2019-03-18T08:06:13+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 1000,
                "currency": "PHP"
            },
            "description": "payout"
        },
        "customer": {
            "id": "111232323"
        },
        "operation": {
            "id": 147,
            "type": "payout",
            "status": "success",
            "date": "2019-03-18T08:06:13+0000",
            "created_date": "2019-03-18T08:06:06+0000",
            "request_id": "9499286583e3d43bcf14dbd0d45",
            "sum_initial": {
                "amount": 1000,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 1000,
                "currency": "PHP"
            },
            "provider": {
                "id": 1346,
                "payment_id": "6Q2G5D83",
                "date": "2019-03-18T08:06:11+0000",
                "auth_code": ""
            },
            "code": "0",
            "message": "Success"
        },
        "signature": "oFGfjOtZZkFxi7Pd1yikCw01b0BsedgKr8QQrAUZS5L...=="
    }

The following is the example of a callback with information about a declined payout.

Figure: Example of callback data indicating that the payout has been declined

{
        "project_id": 445,
        "payment": {
            "id": "100014",
            "type": "payout",
            "status": "decline",
            "date": "2019-03-18T10:49:50+0000",
            "method": "Coinsph wallet",
            "sum": {
                "amount": 900,
                "currency": "PHP"
            },
            "description": "payout"
         },
        "customer": {
            "id": "111232323"
        },
        "operation": {
            "id": 148,
            "type": "payout",
            "status": "decline",
            "date": "2019-03-18T10:49:51+0000",
            "created_date": "2019-03-18T10:49:46+0000",
            "request_id": "d626cece0855a8863f687985e616",
            "sum_initial": {
                "amount": 900,
                "currency": "PHP"
            },
            "sum_converted": {
                "amount": 900,
                "currency": "PHP"
            },
            "provider": {
                "id": 1346,
                "payment_id": "YDK0QS4X",
                "auth_code": ""
            },
            "code": "20101",
            "message": "Decline due to amount or frequency limit"
        },
        "signature": "fz0Yu5BFLRLJez747kDfZHgmKGtCmzduW27YGzLvo...=="
    }

Useful links

The following articles can be useful when implementing payouts via Gate:

Payouts by using Dashboard

When working with Dashboard, you can process single and mass payouts by using the Coins.ph method.

  • To process a single payout, open the payout form, specify all required parameters (including the payment method), send a request and verify that the payout has been processed.

  • To process a mass payout, prepare and upload a file with information about all target payouts, send a batch request, and verify that the payouts have been processed.

    Use a CSV file structured according to the requirements presented in the Mass payments data section. The payout parameters must comply with the requirements (you do not have to generate a signature because it is specified by Dashboard).

More information about processing payouts by using Dashboard is presented in a separate section.

Analysis of payments results

To analyse information about payments made with the Coins.ph method and other methods, you can use:

  • Dashboard interface toolkit with various lists and analytic panels.
  • Reports in CSV file format, available via the Reports section (one-time and periodically).
  • Data in JSON format, sent by program requests to a specified URL available by using the Data API interface.

If you have any questions, refer to the documentation (Dashboard and Using Data API) and ecommpay technical support.