Direct API Integration

Overview

The Slice Direct API integration extends the standard N-Genius Online payment flow by introducing installment eligibility validation and installment plan selection prior to payment authorisation.

This enables merchants to:

• Determine if a transaction is eligible for Slice
• Retrieve available installment plans
• Present plans to the customer during checkout
• Process payments using the selected installment plan

The integration consists of four high-level stages:

1. Customer enters card details
2. Eligibility validation is performed
3. Available installment plans are retrieved
4. Payment is processed using the selected plan

Direct API Payment Flow

Integration Workflow

Step 1 – Create Payment Order

Create a standard payment order using the Direct API.

✅

Slice is automatically enabled based on eligibility. No additional parameters are required at this stage.

Order Request Example:

{
  "action": "PURCHASE",
  "amount": {
    "currencyCode": "AED",
    "value": 20000
  },
  "emailAddress": "[email protected]",
  "language": "en",
  "locale": "en",
  "merchantAttributes": {
    "redirectUrl": "https://bigshop.com/success",
    "skip3DS": true,
    "paymentAttempts": 3,
    "merchantDefinedOrderReference": "004"
  },
  "dynamicDescriptor": {
    "merchantName": "Pay*PaymentFacilitator",
    "merchantAddress": {
      "city": "Dubai",
      "state": "Dubai",
      "country": "IN"
    }
  },
  "billingAddress": {
    "firstName": "Mohammed",
    "lastName": "Ahmed",
    "address1": "Network International LLC, Level 1, Network Building, Al Barsha 2",
    "city": "Dubai",
    "countryCode": "AE"
  },
  "shippingAddress": {
    "firstName": "Mohammed",
    "lastName": "Ahmed",
    "address1": "Network International LLC, Level 1, Network Building, Al Barsha 2",
    "city": "Dubai",
    "countryCode": "AE"
  }
}

Order Response Example (Excerpt):

{
  "_id": "urn:order:6f755ee1-9055-4b95-8f27-2b9457fa731f",
  "action": "PURCHASE",
  "amount": {
    "currencyCode": "AED",
    "value": 20000
  },
  "_embedded": {
    "payment": [
      {
        "_id": "urn:payment:af2fe500-e0eb-46dd-8435-fb783378cc8d",
        "state": "STARTED",
        "_links": {
          "payment:card": {
            "href": "https://api-gatewaysandbox.platform.network.ae/.../card"
          },
          "payment:slice-eligibility-check": {
            "href": "https://api-gatewaysandbox.platform.network.ae/.../slice/eligibility-check"
          }
        }
      }
    ]
  }
}

💡

Key Insight
Slice eligibility is exposed dynamically via the payment:slice-eligibility-check link relation returned in the order response.
Use this endpoint to validate eligibility and retrieve installment plans.

Step 2 – Validate Eligibility

Before displaying installment plans, validate that the transaction satisfies:

• Purchase transaction type
• AED currency
• Minimum transaction threshold
• Eligible card BIN
• Supported issuer

If any validation fails, continue with the standard payment flow.

Step 3 – Retrieve Installment Plans

Call the Slice eligibility endpoint to retrieve available installment plans.

Request Example

{
  "orderReference": "ORDER-12345",
  "amount": {
    "currencyCode": "AED",
    "value": 50000
  }
}

Response Example

{
  "eligible": true,
  "plans": [
    {
      "tenure": 3,
      "monthlyAmount": 16666
    },
    {
      "tenure": 6,
      "monthlyAmount": 8333
    }
  ]
}

Step 4 – Display Available Plans

Present available installment plans to the customer.

For each plan, display:

• Number of installments
• Monthly payment amount
• Total repayment amount

✅

If no plans are available, continue with the standard payment flow.

Step 5 – Submit Payment

Once the customer selects a plan, include the selected Slice plan in the payment request.

Request Example

{
  "paymentMethod": {
    "type": "CARD"
  },
  "slicePlan": {
    "tenure": 6
  }
}

Step 6 – Process Authorisation

N-Genius Online performs:

• Payment authorisation
• Installment plan creation
• Transaction recording

A successful response indicates both:

• ✅ Payment approval
• ✅ Slice enrollment

Eligibility Rules

A transaction must satisfy all of the following:

Reversal Handling

Supported operations:

• Purchase Reversal
• Void

If a transaction is reversed before settlement:

• Payment is cancelled
• The associated Slice installment plan is automatically cancelled

Error Handling

Common validation failures include:

✅

In all failure scenarios, continue with the standard payment flow.

Testing

Use Slice test cards to validate:

• Eligibility checks
• Installment plan retrieval
• Successful authorisations
• Reversal scenarios
• Refund scenarios

Slice Test Cards (Coming Soon)

Next Steps

• Hosted Session Integration
• Android SDK Integration
• iOS SDK Integration
• Slice Test Cards
• FAQs & Limitations