Redsys

Overview

Redsys is the primary payment gateway for banks in Spain, offering a secure and reliable way to accept card payments. By integrating Redsys with Kanalio, you can provide your customers with a familiar and trusted checkout experience while ensuring your transactions meet the highest security standards (PCI-DSS).

This integration allows you to:

• Secure Card Processing: Support for Visa, Mastercard, and American Express through a redirection-based checkout.
• Real-Time Payment Confirmation: Kanalio receives instant notifications from Redsys as soon as a payment is authorized.
• Local Support: Optimized for the Spanish market with full support for Bizum and other local payment options.

How to Integrate Redsys

To connect Redsys, you will need the credentials provided by your bank.

1. Access the Dashboard: Log in to your Kanalio account and navigate to Settings > Integrations.
2. Select Redsys: Click on the Redsys card and select Connect.
3. Configure Merchant Settings:
   • Merchant Code (FUC): Enter your 9-digit merchant number.
   • Terminal Number: Usually 001 or 002.
   • Signature Key (SHA-256): Paste the secret encryption key provided by your bank.
4. Environment: Select Test for initial setup or Production for live payments.
5. Notification URL: Copy the webhook URL provided by Kanalio and ensure it is configured in your Redsys administration panel.
6. Save: Click Save to enable the payment gateway.

How to Get Your API Credentials

Your Redsys credentials are provided by the financial institution (bank) that manages your POS (TPV Virtual).

1. Contact your bank's commercial department to request a Virtual POS (TPV Virtual).
2. Once approved, you will receive an email with your Merchant Code (FUC) and Terminal Number.
3. Log in to the Redsys Administration Portal.
4. Navigate to the Management (Gestión) section and look for Signature Key (Clave de Comercio).
5. For security, you may need to generate a new key or request it through your bank's portal. Ensure you are using the SHA-256 version.
6. Note that Redsys uses different keys for Test and Production environments.

Frequently Asked Questions

1. What is the FUC?

FUC stands for Número de Comercio (Merchant Number). it is a unique 9-digit identifier assigned to your business by Redsys.

2. Is Redsys secure?

Yes. Redsys is fully PCI-DSS compliant and uses 3D Secure 2.0 protocols to authenticate cardholders, reducing the risk of fraud and chargebacks.

3. Does Redsys support Bizum?

Yes. If your bank has enabled Bizum for your virtual POS, it will automatically appear as a payment option in the Redsys checkout page.

4. How do I handle refunds?

Refunds should be managed directly through the Redsys Administration Portal or your bank's backend. Kanalio will sync the status once the refund is processed.

5. Why is my payment being rejected with code 101?

Error 101 usually means the card has expired. Refer to the Redsys documentation for a full list of "Response Codes" to understand why specific transactions are failing.

6. Can I use Redsys for recurring payments?

The standard integration is for one-time payments. If you require recurring billing (subscriptions), please contact our support team to discuss custom implementation options.

7. What is the difference between the Test and Production environments?

The Test environment (SIS-T) uses dummy card numbers and does not process real money. The Production environment (SIS) is for live transactions with real customer cards.

8. Do I need to install any software?

No. Kanalio handles the complex encryption and communication with Redsys's servers. You just need to provide your merchant credentials in the dashboard.