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1288 posts

Uber Geek

# 251410 24-Jun-2019 14:55
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So, I have a client who wants to accept AfterPay on their site, they accept it in store.


The API is published, it looks simple enough, no problem it should be a pretty easy job, all I need is some access details to a sandbox so I can write the necessary code.  This isn't exactly my first rodeo, I've developed many many integrations to payment gateways in the 20 years.  This is the equivalent more or less of third party processing, about as simple as things get.


But actually getting this off the ground, man oh man, it seems like a never ending circular track trying to get sandbox credentials out of AfterPay being bounced around NZ, UK and AU.  We are... hmm, about a month in now from initially asking for sandbox credentials and the latest is they want to have a phone meeting in a week with the client and me and them and I don't know who else, you know "on boarding", "discovery" blah blah buzz word bingo - I'm a coder, all I want is sandbox details so I can develop and test some code against your published API, it's not that complicated.


Have any of my fellow geekzoners developed to the AfterPay API?  How did you find it, I'm wondering if something is getting lost between me, the client and AfterPay, or if this is just par for the course with them.

James Sleeman
I sell lots of stuff for electronic enthusiasts...

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2884 posts

Uber Geek

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  # 2263530 24-Jun-2019 16:16
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Have you investigated OpenBanking APIs from Payments NZ yet as they launched a few weeks ago?


I worked on building the Sandbox and believe a lot of the retail banks are well down the path of sorting themselves out as a number have already performed test payments in production.


While it would only work for NZ for the banks that have built their frontend it might be worth checking out as it would mean you wouldn't need to worry about credit card settlement fees etc.


We built a very detailed postman collection to take a developer through the entire payments and account information journey.

1288 posts

Uber Geek

  # 2263548 24-Jun-2019 17:21
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Have you investigated OpenBanking APIs from Payments NZ yet as they launched a few weeks ago?





AfterPay is a different thing, buy thing now get it now pay it off over time, ie personal finance sort of thing (where AfterPay assumes the risk and the merchant gets paid the full amount immediately while the customer pays off the debt to AfterPay).


That aside, a quick skim look at OpenBanking I get the feeling that it is going to be more directed at payment system providers (gateways) rather than typical small to medium merchants.  But interesting none-the-less to see some modern thought to open banking APIs finally happening.

James Sleeman
I sell lots of stuff for electronic enthusiasts...

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