Select Credex on the checkout page
Last 4 of SSN needed only
Enjoy your purchase immediately
is a real time
decision engine that
like …
pressOur real time credit engine identifies, qualifies and approves consumers in just seconds for the best credit product available to complete their purchase at checkout.
changeBest financing options available from participating Banks, Credit Lenders and Consumer Finance Organizations, offering targeted credit products to consumers at the time of checkout.
pertCustom Credit Products are presented to the consumers based on their credit profile, the ticket size of the item(s) being purchased, and the vertical of the merchants where the application is generated.
Use your checkout data to simply the loan process. Fully integrate with your order management system.
This integration is recommended for webshops with an in-house development team. You will need to add one POST call to submit the loan request, and implement two postback handlers to receive updates about loan requests and customer address data.
Your server does a POST request to our server to submit the loan request. Then your page opens a response URL in a popup floating on top.
The customer continues with the credex process in our popup.
curl \
-d 'dg_username=username&dg_password=pass&merch_id=1234' \
-d 'cust_fname=mary&cust_lname=bernard&bill_addr_address=PO%20BOX%20190648&bill_addr_city=Anchorage&bill_addr_state=AK&bill_addr_zip=99519&cust_email=mary%40email.com' \
-d 'inv_action=AUTH_ONLY&response_format=XML&inv_value=1000&udf02=sample%20purchase&version=0.3' \
https://demo.credex.net:10001/gateway/transact.cfm
# -*- Mode: Python -*-
# vi:si:et:sw=4:sts=4:ts=4
import StringIO
import pycurl
import urllib
class CredexExt(object):
def __init__(self, url, merch_id, username, password):
self._url = url
self._username = username
self._password = password
self._merch_id = merch_id
def request_loan(self, amount, cust_fname, cust_lname,
bill_addr_address, bill_addr_city, bill_addr_state, bill_addr_zip,
ship_addr_address, ship_addr_city, ship_addr_state, ship_addr_zip,
cust_email, product_info):
"""
Request a loan.
"""
params = {
'inv_action': 'AUTH_ONLY',
'inv_value': amount,
'cust_fname': cust_fname,
'cust_lname': cust_lname,
'bill_addr_address': bill_addr_address,
'bill_addr_city': bill_addr_city,
'bill_addr_state': bill_addr_state,
'bill_addr_zip': bill_addr_zip,
'ship_addr_address': ship_addr_address,
'ship_addr_city': ship_addr_city,
'ship_addr_state': ship_addr_state,
'ship_addr_zip': ship_addr_zip,
'cust_email': cust_email,
'version': '0.3',
'udf02': product_info,
}
response = self._post(params)
return response
def _post(self, data):
data = dict(data)
data.update({
'response_format': 'XML',
'dg_username': self._username,
'dg_password': self._password,
'merch_id': self._merch_id,
})
curl = pycurl.Curl()
#curl.setopt(pycurl.VERBOSE, 1)
curl.setopt(pycurl.SSL_VERIFYPEER, 1)
curl.setopt(pycurl.SSL_VERIFYHOST, 2)
headers = ['Accept: application/xml',
'Content-Type: application/x-www-form-urlencoded']
curl.setopt(pycurl.HTTPHEADER, headers)
b = StringIO.StringIO()
curl.setopt(pycurl.WRITEFUNCTION, b.write)
curl.setopt(pycurl.URL, self._url)
curl.setopt(pycurl.POSTFIELDS, urllib.urlencode(data))
curl.perform()
return b.getvalue()
if __name__ == '__main__':
url = 'https://demo.credex.net:10001/gateway/transact.cfm'
merch_id = '1234'
username = 'username'
password = 'pass'
c = CredexExt(url, merch_id, username, password)
kwargs = {
'cust_fname': 'Mary',
'cust_lname': 'Bernard',
'bill_addr_address': 'PO Box 190648',
'bill_addr_city': 'Anchorage',
'bill_addr_state': 'AK',
'bill_addr_zip': '99519',
'ship_addr_address': 'PO Box 190648',
'ship_addr_city': 'Anchorage',
'ship_addr_state': 'AK',
'ship_addr_zip': '99519',
'cust_email': 'mary@email.com',
'product_info': 'product info'}
r = c.request_loan(1500.0, **kwargs)
print r
The loan request is submitted using POST and can be done in any language that supports it.
Place a checkout button on your page, link to a form on our site and pass the amount and other checkout data as query options.
This integration is recommended for webshops without an in-house development team or a designer managing the webshop. The only knowledge required is how to construct a URL based on shopping cart data. We have example code for PHP, VB.NET and C# .NET.
A new window opens from your site to show the loan form hosted on our site.
For the best user experience, pass as much personal data as you can, so we can prefill the form. The customer can fill in the rest of the form.
The customer completes the credex process in our popup.
<?php
# this is the base_url for the staging platform
$base_url = 'https://partner-test.credex.net/partner-test/loan/';
# this is the base_url for the production platform
# uncomment this line in production
# $base_url = 'https://partner.credex.net/partner/loan/';
# replace the value of merch_id with the one given to you
$merch_id = '1234';
# these values come from your customer database
$data = array(
'amount' => '1100.99',
'first_name' => 'Mary',
'last_name' => 'Bernard',
'billing_address' => 'PO Box 190648',
'email' => 'test@email.com'
);
$url = $base_url . $merch_id . '?' . http_build_query($data);
?>
<A href="<?php echo $url; ?>">
<IMG src="buttons/btn-pay.png" alt="Check out with Credex"></A>
<script language="vb" runat="server">
Sub Page_Load()
Dim baseUrl, merchId As String
' this is the baseUrl for the staging platform
baseUrl = "https://partner-test.credex.net/partner-test/loan/"
' this is the baseUrl for the production platform
' uncomment this line in production
' baseUrl = "https://partner.credex.net/partner/loan/"
' replace the value of merchId with the one given to you
merchId = "1234"
' these values should come from your customer database
Dim query As New NameValueCollection
query = HttpUtility.ParseQueryString("")
query.Add("amount", "1100.99")
query.Add("first_name", "Mary")
query.Add("last_name", "Bernard")
query.Add("billing_address", "PO Box 190648")
query.Add("email", "test@email.com")
url.NavigateUrl = baseUrl + merchId + "?" + query.ToString()
End Sub
</script>
<html>
<body>
<asp:HyperLink ID="url" Text="Checkout with Credex" runat="server"
ImageUrl="buttons/btn-pay.png" />
</body>
</html>
<script language="c#" runat="server">
void Page_Load()
{
// this is the baseUrl for the staging platform
string baseUrl = "https://partner-test.credex.net/partner-test/loan/";
// this is the baseUrl for the production platform
// uncomment this line in production
// string baseUrl = "https://partner.credex.net/partner/loan/";
// replace the value of merchId with the one given to you
string merchId = "1234";
// these values should come from your customer database
NameValueCollection query = System.Web.HttpUtility.ParseQueryString(
string.Empty);
query["amount"] = "1100.99";
query["first_name"] = "Mary";
query["last_name"] = "Bernard";
query["billing_address"] = "PO Box 190648";
query["email"] = "test@email.com";
url.NavigateUrl = baseUrl + merchId + "?" + query.ToString();
}
</script>
<html>
<body>
<asp:HyperLink ID="url" Text="Checkout with Credex" runat="server"
ImageUrl="buttons/btn-pay.png" />
</body>
</html>
We have code samples in various languages.
For the simple integration, the code only needs to create the correct URL to link to.