Finaro (formerly Credorax)

Follow the standard PaymentsOS integration procedure, and then apply the relevant extra specifications in this section to integrate with Finaro.

API Version

Minimum required API version: 1.2.0

The following features require an API version higher than the minimum:

  • 3DS 2.0 Internal requires API version 1.3.0
  • 3DS 2.0 External requires API version 1.3.0

Payment Methods

The following table lists all supported payment methods.

Payment MethodPayment Method Type
American ExpressCards


Finaro supports a wide range of currencies. Refer to the Finaro documentation for a complete list of supported currencies.


The following table provides an overview of all supported and non-supported features.

3DS 2.0 ExternalYes
3DS 2.0 PaymentsOS-handledNo
3DS 2.0 Provider-handledNo
3DS 2.0 Self-handledYesSupported flow type: Self-handled Flow. For more information, see 3DS 2 Self-handled Flow.
Level 2 and 3 DataNo
Multi-seller PaymentsNo
Network TokensNo
Payment FacilitatorNo
PayU RiskNo
Retrieve Supported Payment MethodsNo
Retrieve Supported PlansNo
Statement Soft DescriptorNo
Stored Credentials FlagYes
Transaction Processing without CVVYes


The following table lists all supported requests for card-based transactions.

Use the bodybuilder to create a sample request body for each request type.

AuthorizePartial and multiple are not supportedSynchronous
Capture Both partial and multiple are supportedSynchronous
Charge Not ApplicableSynchronous
CreditPartial and multiple are not supportedSynchronous
Refund Both partial and multiple are supportedSynchronous
Void Both partial and multiple are supportedSynchronous

Setup Procedures

The following table lists the setup procedures that are specific to this provider.

In the PaymentsOS Control Center, configure the following credentials:
  • merchant_id: The merchant id as defined in your Finaro account.
  • signature_key: The SHA256 signature key you received from Finaro
In your Finaro account, configure SHA256 hashing (used for authentication purposes).Required
In your Finaro account, enable the currencies you require in your transactions. Contact Finaro support for assistanceRequired
In your Finaro account, enable the transaction request types you would like to use. Note that Operation code 101 (Past Transaction Retrieval) is required. The other request types are optional.
  • Operation code 101 (Past Transaction Retrieval). This is required for PaymentOS to remain in sync with the transaction status.
  • Operation code 92. This is required for 3DS internal transaction flows.
  • Charge. This is operation code 1 in your Finaro account.
  • Authorization. This is operation code 2 in your Finaro account.
  • Capture. This is operation code 3 in your Finaro account.
  • Authorization Void. This is operation code 4 in your Finaro account.
  • Refund. This is operation code 5 in your Finaro account.
  • Credit. This is operation code 6 in your Finaro account.
  • Charge Void. This is operation code 7 in your Finaro account.
  • Capture Void. This is operation code 9 in your Finaro account.
In your Finaro account, disable the CVV check if desired. Contact Finaro support for assistance.Optional
In your Finaro account, enable a Dynamic Billing Descriptor. This requires approval from Finaro.Optional
If you would like to start using 3DS with Finaro, do the following:
  • For using external or internal 3DS, contact Finaro for registering with the card schemes.
  • To use the internal (Source's) 3D Secure service, you must be registered to the service and have it activated on your account. Contact your Finaro account manager for more information. Note: Source’s 3D Secure service supports both versions of the 3D Secure protocol: 3D Secure 1.0 and 3D Secure 2.0.
  • If you want to use the SMART 3DS fraud service, enable SMART 3DS in your Finaro account.
  • If you want to use 3DS Advisor, enable 3DS Advisor in your Finaro account.
  • PaymentsOS does not support a flow with Finaro in which a 3D Secure authentication process is executed without actually processing the transaction.
  • If you did not enable the internal (Source's) 3D Secure service in your Finaro account, the transaction will fail if you pass 3DS data in your transaction requests when sent as part of an internal 3DS flow.
  • You cannot use an external 3DS service in combination with the internal (Source's) 3D Secure service. This means that if the transaction contains both the provider_specific_data.credorax.additional_details.three_d_secure_initiate field and the three_d_secure_attributes.external fields, the transaction will be declined.


Contact your account manager for test credentials. To download test card data, click here.

Last modified April 17, 2023