Plugin version 2.2.4, 19.03.2024

Here at Inbank we strive to help our partners sell more by simplifying purchases and making financing more accessible to customers. For exactly this reason we offer a number of buy-now-pay-later (BNPL) solutions.

The Pay Later Platform by Inbank connects partner e-shops with our e-POS solution With e-POS, partners only need to add Inbank as a payment method and Inbank will take care of all the rest. Customers are redirected to the e-POS environment to complete the financing of the purchase. After a successful financing process we redirect the customer back to you.

Inbank e-POS is supplemented with Inbank Partner Portal where merchants can see the overview of submitted credit applications, create applications for customers and conduct contract withdrawals.

If you have any questions about Inbank e-POS or have trouble with your integration, just contact our integration team and we will be happy to help:

• Estonia - integration@inbank.ee
• Poland - integration@inbank.pl
• Latvia - integration@inbank.lv
• Czech Republic - integration@inbank.cz

The Pay Later Platform by Inbank has been tested with the classic theme version 1.0.0 for PrestaShop. The module supports Prestashop from v1.6.x to v1.7.x and includes storefront content translations for the following languages: Estonian, Polish, English, Russian, Latvian, Czech.

The Pay Later Platform for PrestaShop gives merchants access to the following Inbank products:

Inbank Hire Purchase

The Inbank Hire Purchase solution gives customers the opportunity to pay for purchases in installments with an affordable interest rate. Read more about Inbank Hire Purchase on our website.

Inbank Split into parts

This payment solution offers clients to buy goods and services and pay for them later in several equal installments. Split into parts is free of charge for customers, while merchants get paid upfront in full the next working day.

Inbank Pay next month

The Inbank Pay next month solution lets your customers buy now and decide how to pay later, whilst you receive your funds straight away.

Version	Date	Updates
2.2.0	23.01.2023	Added the Setting Restrictions for Inbank Payment Products section.
2.2.1	15.04.2023	Added product page calculations for Indivy payment products.
2.2.3	21.07.2023	Added Inbank Split into parts Latvia payment product.
2.2.4	02.10.2023	Indivy payment methods now have the following titles: Inbank Pay next month and Inbank Split into parts.

You can download the latest version of the module from here. To install the Pay Later Platform module you just need to follow these steps:

1. In the Back Office of your shop, go to Modules > Module Catalog section.
2. Click the Upload a module button at the top of the screen.
3. Add the .zip package containing the module in the window that appears. The module will then be uploaded to your system.

And that is it! The Pay Later Platform is now ready for configuration.

After successful installation of the Pay Later Platform by Inbank you can configure Inbank products as payment methods in your back office.

Pay Later Platform configuration is done at Payment > Inbank Settings. The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure

The module includes the following Inbank payment methods:

• Inbank Hire Purchase Estonia
• Inbank Split into parts Estonia
• Inbank Pay next month Estonia
• Inbank Hire Purchase Poland
• Inbank Hire Purchase Latvia
• Inbank Split into parts Latvia
• Inbank Hire Purchase Czechia

The module overview page at Payment > Inbank Settings includes the list of all the Inbank payment options added.

Here several actions regarding added payment options are available:

• Click the Status icon next to a payment option to enable/disable it.

• Click Edit next to a payment option to make changes to it's configuration.

• Click the dropdown button next to a payment option to enable/disable or delete it.

On the module overview page you can also change the statuses used by the module to better fit your business logic.

In the General Inbank Settings section you can customize which statuses the module sets for:

• Confirmed order state - for cases when the purchase was successfully financed by Inbank
• Pending order state - for cases when the purchase is awaiting financing by Inbank
• Canceled order state - for cases when the financing flow has been canceled. Note that if you wish the items to be released back to stock after the Inbank financing process has been canceled, the PrestaShop status canceled should be selected.

The Pay Later Platform by Inbank uses the following order statuses in it's flows:

• Inbank: waiting for financing. Status used for cases when the financing of the purchase has not yet been finalized in Inbank environment.
• Inbank: credit granted. Action required. Status used for cases when the purchase has been approved by Inbank for financing, but is awaiting partner approval for contract activation.
• Inbank: purchase financed. Status used for cases when the purchase was successfully financed by Inbank.
• Inbank: payment session expired. Status used for cases when the customer has not completed the financing process within the time the payment session was active.
• Inbank: credit declined. Status used for cases when financing was declined by Inbank.
• Inbank: canceled. Status used for cases when the customer has canceled the financing process in Inbank environment. The status also applies to cases when the partner cancels the contract in a flow which includes partner approval. Note that if you wish the items to be released back to stock after the financing process has been canceled, the PrestaShop status canceled should be selected.

By default the data retrieved from Inbank over API is updated every 24 hours. If you would like to run the data update at a different interval, the General Inbank Settings section includes the cron job link which can be used for that. We recommend updating data once every 24 hours, from 00:00 AM to 06:00 AM. Additionally, under the General Inbank Settings section you can click the Update products button for a one-time product data update at any time you'd like.

New payment options are added via clicking the Add Payment Option at Payment > Inbank Settings The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure.

Depending on the Inbank branch(es) you are cooperating with, you need to configure the payment products for Estonia, Poland, Czechia or Latvia. You can offer one of the available products or several, depending on the agreement you have with Inbank.

The following configuration parameters are predefined by Inbank:

• Title
• Maximum order amount
• Minimum order amount
• Period
• Additional details

Note that the predefined values will be updated if they change on the Inbank side. The exceptions are the Title and Additional details values which are customizable. The Title and Additional details are updated if set to default, but are not updated if they have been customized.

For more information on updates, refer to the Updates section.

Adding a new Inbank payment method to the module configuration is a simple two-step process.

On step 1 you need to set the keys and product code required for the functioning of the module and the mode in which this payment product is to be available: live or test.

Inbank representatives will provide you all the data required for this step. Make sure to fill in all the fields correctly, as they are essential to the configuration of Inbank payment products.

On step 2 you can review your configuration and set a couple additional options available in the module.

To start adding a new Inbank payment product, click Add Payment Option at Payment > Inbank Settings. The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure.

Configuration settings are similar for all payment products: Inbank Hire Purchase Estonia, Inbank Split into parts Estonia, Inbank Pay next month Estonia, Inbank Hire Purchase Poland, Inbank Hire Purchase Czechia, Inbank Hire Purchase Latvia and Inbank Split into parts Latvia.

The product code set during configuration defines the credit conditions available to customers and also automatically sets the following parameters:

• Title
• Maximum order amount
• Minimum order amount
• Period
• Additional details

Step 1 includes the essential parameters needed for the payment option setup. Inbank representatives will provide you all the information needed at this step.

After you add the necessary data, click Next to proceed to step 2 where you review the configuration and can set a number of additional parameters for the payment option.

Field	Description
Country	The market for which you wish to add an Inbank payment method. Available options: Estonia, Poland, Czech Republic, Latvia.
Product	The payment product you wish to add. The section depends on the Country: - Estonia - Inbank Hire Purchase, Inbank Split into parts, Inbank Pay next month - Poland - Inbank Hire Purchase - Latvia - Inbank Hire Purchase, Inbank Split into parts - Czech Republic - Inbank Hire Purchase
Live product code / Test product code	The product code provided by Inbank. This code defines the credit conditions offered at checkout.
Enable test mode	Select whether the module should be connected to test APIfor testing purposes. If this parameter is not enabled, the module connects to the live API. This parameter defines whether next you need to set the API key, UUID and product code for the live or test environment. By default, test mode is disabled, but the setting can be customized.
Live API key / Test API key	The unique key of the shop used for building API requests through which the shop communicates with Inbank.
Live shop UUID / Test shop UUID	The API authentication key. The API key should be kept private.
Localization ID	ID of the set of translations required for the module. Translations are available in Estonian, Polish, English, Latvian, Czech and Russian.
Localization token	Token required to access the translations for storefront texts.

Step 2 lets you review the payment option configuration and includes a number of additional parameters which can be configured for Inbank payment methods.

Field	Description
Enable product	Whether this Inbank product appears as a payment method at checkout.
Enable test mode	Select whether the module should be connected to test API for testing purposes. If the parameter is not enabled, the module connects to the live API. This parameter defines whether next you need to set the API key, UUID and product code for the live or test environment.
Live product code/Test product code	The product code provided by Inbank. This code defines the credit conditions offered at checkout. This parameter is prefilled from Step 1 , but you can change the Product Code here if needed.
Live API key / Test API key	The unique key of the shop used for building API requests through which the shop communicates with Inbank. This parameter is prefilled from Step 1 , but you can change the API key here if needed.
Live shop UUID / Test shop UUID	The API authentication key. The API key should be kept private. This parameter is prefilled from Step 1 , but you can change the UUID here if needed.
Localization ID	ID of the set of translations required for the module. Translations are available in Estonian, Polish, English, Latvian, Czech and Russian. This parameter is prefilled from Step 1 , but you can change the Localization ID here if needed.
Localization token	Token required to access the translations for storefront texts. This parameter is prefilled from Step 1 , but you can change the Localization token here if needed.
Display logo	Whether the payment method logo will be displayed next to the title at checkout. By default the logo is enabled, but the setting can be customized.
Logo size	The size of the payment method logo which is displayed next to the title at checkout. The logo will be displayed only if the Use Logo parameter is set to Yes. Available size options are Small and Medium. The default value is Small, but the setting can be customized.
Custom logo	A custom logo for the payment method which will be displayed next to the title at checkout. If the custom logo is removed, the default logo will be applied.
Enable calculations	Whether calculated monthly amounts should be presented on product pages. When enabled, preliminary calculations of monthly payments will appear on the pages of products within the minimum-maximum range for this Product code.
Calculation position	The exact place where the Inbank monthly payment calculation will be displayed. Available options: - After product price - Between social buttons and reassurance block - After reassurance block - Custom hook at your chosen location
Title	The payment method title that is displayed to customers at checkout. The recommended Title length is 65 characters. The default Title is defined by the Product code. You can customize it for Inbank Hire Purchase Estonia, Inbank Hire Purchase Poland, Inbank Hire Purchase Czech Republic and Inbank Hire Purchase Latvia products, in which case the default value will be displayed under the Title field. If you set a different Product code, your custom value will be overridden with the new default one, which can then be customized.
Minimum Order Amount	The minimum order amount for which the payment method is available. The value is defined by the product code. For sums below this value, the payment method is not displayed.
Maximum Order Amount	The maximum order amount for which the payment method is available. The value is defined by the product code. For sums above this value, the payment method is not displayed.
Period	The period options in months for which credit under this payment method is granted. The values are defined by the product code.
Additional details	The consent message displayed under the payment method at checkout. The default Additional details are defined by the Product code. You can customize it, then the default value will be displayed under the Additional details field.

Once you've added all needed Inbank payment products to your shop you can pick and choose which products or product categories Inbank payment products are applicable to. By default, the payment products have no restrictions set.

The restrictions configuration is available at Payment > Inbank Settings. The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure. Click Edit next to the payment method you wish to set the restrictions for, the bottom of the page will then contain the needed configuration options. Once you are all set, just click Save.

Restrictions can be set by product categories or by certain products only. In both cases you can select one or several categories/products.

The are two restriction rules available:

• AND, products must be present in selected categories and product restrictions. If this rule is applied, the Inbank payment method will be available only for those products which belong to the category(s) selected in the Category restrictions and at the same time listed under the Product restrictions. If there are no products listed under Product restrictions, the payment method will be applicable to all products under the category(s) listed in the Category restrictions. This rule is selected by default.
• OR, products can be present in selected categories or product restrictions. If this rule is applied, the Inbank payment method will be available for all products which belong to the category(s) selected in the Category restrictions and all products listed under the Product restrictions even if they are from different categories. If there are no products listed under Product restrictions, the payment method will be applicable to all products, regardless of their category.

Inbank provides a dedicated staging environment for testing the integration with payment solutions. For testing purposes, you need to specify several parameters in the payment method settings at Payment > Inbank Settings. The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure.

When adding a new payment option you need to:

• Switch on the Enable test mode slider
• Specify the Test API key
• Specify the Test shop UUID
• Specify the Test product code

The Test API key, Test shop UUID and Test product code are provided by Inbank.

For testing purposes, the system returns preconfigured decisions:

• For Inbank Hire Purchase Estonia, Inbank Split into parts Estonia, Inbank Hire Purchase Poland, Inbank Hire Purchase Czechia, Inbank Hire Purchase Latvia payment products and Inbank Split into parts Latvia, positive decision is given for amounts 0 - 500, 15 000 - 16 000.
• For the Inbank Pay next month payment product, a positive decision is given for amounts 0 - 100, 150 - ...

The credit application process may include an OTP code exchange via SMS. The demo environments do not send out SMS messages. If you are testing Inbank Pay next month Estonia, Inbank Split into parts Estonia or Inbank Split into parts Latvia payment products, the SMS message is hardcoded to value 0000.

Testing Inbank Payments Estonia products

To test the financing products in Estonia, you can safely use your own Estonian ID-code and ID-card, as the demo environment does not initiate real binding contracts. Alternatively, you can use our demo user, the identity code of which is 10101010005. Besides the identity code, you will also need a name and a phone number for authentication and signing.

To use an ID-card or Mobile-ID in the demo environment, you need to register them at:

• ID-card - https://demo.sk.ee/upload_cert/.
• Mobile-ID - https://demo.sk.ee/MIDCertsReg/.

You can also use Smart-ID by downloading the following apps:

• Android: https://play.google.com/apps/testing/com.stagnationlab.sk.
• iOS: https://testflight.apple.com/join/DoWddZjR.

To use Smart-ID for testing, your account level should be Qualified. You can check the account level at https://sid.demo.sk.ee/portal/login.

There are a couple of things which can be updated in the Pay Later Platform:

• Module updates. The current version of the module contains all the functionality required to offer Inbank payment methods to customers. In the future we plan on adding new payment products to the module, as well as features to improve existing functionality. Updating the module to the latest version will support added features and keep your store up to date with the latest enhancements from Inbank to make purchases even smoother for your customers.
• API data updates. The plugin retrieves data from Inbank regarding the conditions of payment products offered to customers. This data can undergo changes on the Inbank side. If such changes occur, product parameters should also be updated in the plugin, for the customers to successfully use Inbank payment methods.
• Module settings updates. The payment product which is offered to customers depends on the product code set for the payment method. If at any point you need to change the product code or any other module configurations, this can be easily done through the module settings.

The following sections cover all the update procedures.

If a new version of the Pay Later Platform for PrestaShop comes out and you want to make use of the functionality it offers, updating the module is quick and easy. You can download the latest version of the plugin from here.

Do not worry about the configuration settings. While the module is updated, all settings, including API keys, product codes, etc., are migrated into the new version of the module.

1. The module automatically checks if there are new versions available. If a new version is detected, you will see a notification in the Inbank payment module.

2. Go to Modules > Module Catalog section and click the Upload a module button at the top of the screen.
3. Add the .zip package containing the updated version of the module in the window that appears. The new module will then be uploaded to your system.
4. Go to Modules > Module Catalog > Pay later Platform by Inbank and click Upgrade.

And that is it. Now you have the latest version of the Pay Later Platform.

After you set a product code for an Inbank payment method, the plugin retrieves product related parameters via API from Inbank. Inbank can make changes to these data and the changes need to be synchronized with the settings of the plugin. Of course, you do not need to keep track of the possible updates, the Pay Later Platform will check for updates and apply them to your store.

Configuration parameters which can receive updates:

• Title
• Minimum order amount
• Maximum order amount
• Period
• Additional details

You can also manually have the Inbank plugin check for updates whenever you need. To do this just go to Payment > Inbank Settings and click Update products. The plugin will update the configuration settings and that is it! Now your plugin has all the latest data from Inbank.

If at any point you need to make changes to the module settings, you can access the configuration at Payment > Inbank Settings. The same page can be accessed at Modules > Module Manager > Pay Later Platform by Inbank > Configure.

To update the settings for the Pay Later Platform, click Edit next to the payment method you wish to update, make the required configuration changes and click Save.

That is it. Your module settings are now updated.

This section showcases how Inbank payment methods work at checkout.

Note that the following screenshots are only demonstrational. The actual way the Inbank payment methods appear in your PrestaShop store depends on the storefront theme, module settings, the Inbank branch with which you have concluded the contract and the locale of your store.

1. If enabled, Inbank monthly payment calculations appear on product pages.

2. Inbank products appear at checkout as available payment methods:

3. Once customers choose Inbank products as their payment method and click Place order, they are redirected to the Inbank environment. Here customers go through a number of dialogs to complete the financing of the purchase.
4. After completing the procedure in Inbank environment, customers are redirected back to the shop.

If the purchase has been financed by Inbank, the customer will be redirected to the page configured in your PrestaShop instance as the payment success page. Otherwise, the customer will be redirected back to the cart.

Payment transactions can be viewed in the Orders section of the back office.

Until the credit contract has been signed by the customer and approved by Inbank for financing, it remains in status Inbank: waiting for financing. Orders which have been successfully financed by Inbank receive status Inbank: purchase financed.

If the flow is configured to require merchant approval prior to concluding the credit contract, the order which has been approved by Inbank for financing receives status Inbank: credit granted. Action required. In this state the order awaits the merchant's approval or cancellation. If the merchant approves the contract, the order receives status Inbank: purchase financed. Contracts are approved and canceled through the Inbank Partner Portal. 24