Request examples (S2S HTTP POST)

Example 1:

Billing and Delivery address mismatch
Buyer will choose payment method in Svea Payments payment method selection page

$fields = [
    'pmt_action' => 'NEW_PAYMENT_EXTENDED',
    'pmt_version' => '0004',
    'pmt_charsethttp' => 'UTF-8',
    'pmt_sellerid' => 'ABC123DE',
    'pmt_keygeneration' => '001',
    'pmt_id' => '1998524_1',
    'pmt_orderid' => '1998524',
    'pmt_reference' => '19985242',
    'pmt_amount' => '568,10',
    'pmt_sellercosts' => '5,00',
    'pmt_currency' => 'EUR',
    'pmt_okreturn' => 'https://www.mytestshop.fi/pay/return/Success.do',
    'pmt_errorreturn' => 'https://www.mytestshop.fi/pay/return/Error.do',
    'pmt_cancelreturn' => 'https://www.mytestshop.fi/pay/return/Cancel.do',
    'pmt_delayedpayreturn' => 'https://www.mytestshop.fi/pay/return/Cancel.do',
    'pmt_escrow' => 'Y',
    'pmt_escrowchangeallowed' => 'N',
    'pmt_userlocale' => 'fi_FI',
    
    'pmt_buyeremail' => 'teemu.testaaja@svea.fi',
    'pmt_buyerphone' => '0401234567',
    'pmt_buyername' => 'Teemu Testaaja',
    'pmt_buyeraddress' => 'Mechelinkatu 1A',
    'pmt_buyerpostalcode' => '00180',
    'pmt_buyercity' => 'Helsinki',
    'pmt_buyercountry' => 'FI',
    
    'pmt_deliveryname' => 'Teemu Testaaja',
    'pmt_deliveryaddress' => 'Kotikatu 1',
    'pmt_deliverypostalcode' => '00330',
    'pmt_deliverycity' => 'Helsinki',
    'pmt_deliverycountry' => 'FI',
    
    'pmt_rows' => '4',
    'pmt_row_name1' => 'Tuote A',
    'pmt_row_desc1' => 'Tuotteen A kuvaus',
    'pmt_row_quantity1' => '2',
    'pmt_row_deliverydate1' => '21.10.2025',
    'pmt_row_price_gross1' => '123,00',
    'pmt_row_vat1' => '24,00',
    'pmt_row_discountpercentage1' => '0,00',
    'pmt_row_type1' => '1',
    
    'pmt_row_name2' => 'Räätälöity alennustuote B',
    'pmt_row_desc2' => 'Räätälöidyn alennustuotteen kuvaus',
    'pmt_row_quantity2' => '1',
    'pmt_row_deliverydate2' => '21.10.2025',
    'pmt_row_price_gross2' => '369,00',
    'pmt_row_vat2' => '24,00',
    'pmt_row_discountpercentage2' => '10,00',
    'pmt_row_type2' => '4',
    
    'pmt_row_name3' => 'Toimituskulut',
    'pmt_row_desc3' => 'Toimitustapa yms.',
    'pmt_row_quantity3' => '1',
    'pmt_row_deliverydate3' => '21.10.2025',
    'pmt_row_price_gross3' => '5,00',
    'pmt_row_vat3' => '0,00',
    'pmt_row_discountpercentage3' => '0,00',
    'pmt_row_type3' => '2',
    
    'pmt_row_name4' => 'Alennus',
    'pmt_row_desc4' => 'Alennuskupongin koodi tms.',
    'pmt_row_quantity4' => '1',
    'pmt_row_deliverydate4' => '21.10.2025',
    'pmt_row_price_gross4' => '-10,00',
    'pmt_row_vat4' => '0,00',
    'pmt_row_discountpercentage4' => '0,00',
    'pmt_row_type4' => '6'
];
$request = curl_init('https://test1.maksuturva.fi/NewPaymentExtended.pmt');
curl_setopt($request, CURLOPT_POST, 1);
curl_setopt($request, CURLOPT_POSTFIELDS, $fields);
...
$response = curl_exec($request);

Example 2:

Direct payment service
Billing and Delivery address identical
Buyer has chosen Invoice (FI70) as the payment method in the webstore

$fields = [
    'pmt_action' => 'NEW_PAYMENT_EXTENDED',
    'pmt_version' => '0004',
    'pmt_charsethttp' => 'UTF-8',
    'pmt_sellerid' => 'ABC123DE',
    'pmt_keygeneration' => '001',
    'pmt_id' => '1998524_1',
    'pmt_orderid' => '1998524',
    'pmt_reference' => '19985242',
    'pmt_amount' => '568,10',
    'pmt_sellercosts' => '5,00',
    'pmt_currency' => 'EUR',
    'pmt_okreturn' => 'http://www.mytestshop.fi/pay/return/Success.do?paid=1',
    'pmt_errorreturn' => 'http://www.mytestshop.fi/pay/return/Error.do?paid=0',
    'pmt_cancelreturn' => 'http://www.mytestshop.fi/pay/return/Cancel.do?paid=0',
    'pmt_delayedpayreturn' => 'http://www.mytestshop.fi/pay/return/Cancel.do?paid=0',
    'pmt_escrow' => 'N',
    'pmt_escrowchangeallowed' => 'N',
    'pmt_userlocale' => 'en_FI',
    'pmt_paymentmethod' => 'FI70',
    
    'pmt_buyeremail' => 'teemu.testaaja@svea.fi',
    'pmt_buyerphone' => '0401234567',
    'pmt_buyername' => 'Teemu Testaaja',
    'pmt_buyeraddress' => 'Mechelininkatu 1A',
    'pmt_buyerpostalcode' => '00180',
    'pmt_buyercity' => 'Helsinki',
    'pmt_buyercountry' => 'FI',

    'pmt_deliveryname' => 'Teemu Testaaja',
    'pmt_deliveryaddress' => 'Mechelininkatu 1A',
    'pmt_deliverypostalcode' => '00180',
    'pmt_deliverycity' => 'Helsinki',
    'pmt_deliverycountry' => 'FI',

    'pmt_rows' => '4',

    'pmt_row_name1' => 'Tuote A',
    'pmt_row_desc1' => 'Tuotteen A kuvaus',
    'pmt_row_quantity1' => '2',
    'pmt_row_deliverydate1' => '21.10.2025',
    'pmt_row_price_gross1' => '123,00',
    'pmt_row_vat1' => '24,00',
    'pmt_row_discountpercentage1' => '0,00',
    'pmt_row_type1' => '1',
    
    'pmt_row_name2' => 'Räätälöity alennustuote B',
    'pmt_row_desc2' => 'Räätälöidyn alennustuotteen kuvaus',
    'pmt_row_quantity2' => '1',
    'pmt_row_deliverydate2' => '21.10.2025',
    'pmt_row_price_gross2' => '369,00',
    'pmt_row_vat2' => '24,00',
    'pmt_row_discountpercentage2' => '10,00',
    'pmt_row_type2' => '4',
    
    'pmt_row_name3' => 'Toimituskulut',
    'pmt_row_desc3' => 'Toimitustapa yms.',
    'pmt_row_quantity3' => '1',
    'pmt_row_deliverydate3' => '21.10.2025',
    'pmt_row_price_gross3' => '5,00',
    'pmt_row_vat3' => '0,00',
    'pmt_row_discountpercentage3' => '0,00',
    'pmt_row_type3' => '2',
    
    'pmt_row_name4' => 'Alennus',
    'pmt_row_desc4' => 'Alennuskupongin koodi tms.',
    'pmt_row_quantity4' => '1',
    'pmt_row_deliverydate4' => '21.10.2025',
    'pmt_row_price_gross4' => '-10,00',
    'pmt_row_vat4' => '0,00',
    'pmt_row_discountpercentage4' => '0,00',
    'pmt_row_type4' => '6'
];
$request = curl_init('https://test1.maksuturva.fi/NewPaymentExtended.pmt');
curl_setopt($request, CURLOPT_POST, 1);
curl_setopt($request, CURLOPT_POSTFIELDS, $fields);
...
$response = curl_exec($request);

Response examples (XML)

OK Response examples

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<pmt>
    <pmt_action>NEW_PAYMENT_EXTENDED</pmt_action>
    <pmt_version>0004</pmt_version>
    <pmt_id>1998524_1</pmt_id>
    <pmt_reference>00000000000019985242</pmt_reference>
    <pmt_amount>568,10</pmt_amount>
    <pmt_currency>EUR</pmt_currency>
    <pmt_sellercosts>5,00</pmt_sellercosts>
    <pmt_paymenturl>https://test1.maksuturva.fi/Pay.pmt?ST=BS0b56829e71c9db6a35f8ac9c8bf7b547b1136aa700000000000000247108622!</pmt_paymenturl>
</pmt>

This one contains also payment method:

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<pmt>
    <pmt_action>NEW_PAYMENT_EXTENDED</pmt_action>
    <pmt_version>0004</pmt_version>
    <pmt_id>1998524_1</pmt_id>
    <pmt_reference>00000000000019985242</pmt_reference>
    <pmt_amount>568,10</pmt_amount>
    <pmt_currency>EUR</pmt_currency>
    <pmt_sellercosts>5,00</pmt_sellercosts>
    <pmt_paymentmethod>FI70</pmt_paymentmethod>
    <pmt_paymenturl>https://test1.maksuturva.fi/Pay.pmt?ST=BS0b56829e71c9db6a35f8ac9c8bf7b547b1136aa700000000000000247108622!</pmt_paymenturl>
</pmt>

ERROR Response examples

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
    <error name="pmt_buyeremail" type="field">Sähköpostiosoite on virheellinen.</error>
</errors>

→ The host part of email addresses must be valid. Svea validates them by performing a DNS query.

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
    <error type="general">A payment with given values is already in paid or other state that prevents updating the payment to be 'new'</error>
    <error name="pmt_sellerid" type="field">Given pmt_sellerid and pmt_id match an existing payment that either has been already paid or last payment attempt was over two hours ago.</error>
    <error name="pmt_id" type="field">Given pmt_sellerid and pmt_id match an existing payment that either has been already paid or last payment attempt was over two hours ago.</error>
    <error type="general">The transaction cannot be processed. A transaction with the given identifier has already been received earlier.</error>
</errors>

→ Please check pmt_id documentation.

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
    <error name="pmt_row_price_gross" type="field">pmt_amount = 71,40 EUR but the sum of product order rows of types 1, 4, 5, 6 is 68,50 EUR while these values should match!</error>
    <error name="pmt_row_price_gross" type="field">pmt_amount + pmt_sellercosts = 71,40 EUR but SUM(TotalRowAmount) = 68,50 EUR while these values should match!</error>
</errors>

→ Please check calculation rules for pmt_amount and pmt_sellercosts.

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
    <error name="pmt_sellercosts" type="field">pmt_sellercosts was not zero, but there were not rows of types 2 and 3. The sum of seller cost order rows of types 2 and 3 should match pmt_sellercosts!</error>
    <error name="pmt_row_price_gross" type="field">pmt_sellercosts = 3,00 EUR but the sum of seller cost order rows of types 2 and 3 is 0,00 EUR while these values should match!</error>
    <error name="pmt_row_price_gross" type="field">pmt_amount + pmt_sellercosts = 113,21 EUR but SUM(TotalRowAmount) = 110,21 EUR while these values should match!</error>
</errors>

→ Please check calculation rules for pmt_amount and pmt_sellercosts.

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
	<error name="pmt_row_name1" type="field">pmt_row_name1 is invalid</error>
</errors>

→ Please check specifications for pmt_row_nameN. Usually It has too many characters in these cases.

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<errors>
    <error type="general">Error in field[pmt_sellerid] errortext[pmt_sellerid is invalid] erroneousValue[ABC123DE]</error>
    <error name="pmt_sellerid" type="field">pmt_sellerid is invalid</error>
    <error type="general">Kauppiaalla ei ole voimassa olevaa palvelua Svea Paymentsissä.</error>
</errors>

→ Check pmt_sellerid and target URL. Test and production environments nor credentials can be mixed.

Return examples (HTTP GET 302)

OK Return examples

Please notice that these are both single URLs that have been split into multiple lines per querystring parameter.

http://www.mytestshop.fi/pay/return/Success.do
?pmt_action=NEW_PAYMENT_EXTENDED
&pmt_version=0004
&pmt_id=1998524_1
&pmt_reference=00000000000019985242
&pmt_amount=568,10
&pmt_currency=EUR
&pmt_sellercosts=5,00
&pmt_escrow=Y
&pmt_paymentmethod=FI01

http://www.mytestshop.fi/pay/return/Success.do?paid=1
&pmt_action=NEW_PAYMENT_EXTENDED
&pmt_version=0004
&pmt_id=1998524_1
&pmt_reference=00000000000019985242
&pmt_amount=568,10
&pmt_currency=EUR
&pmt_sellercosts=5,00
&pmt_escrow=Y
&pmt_paymentmethod=FI70

CANCEL Return example

http://www.mytestshop.fi/pay/return/Cancel.do?pmt_id=1998524_1
http://www.mytestshop.fi/pay/return/Cancel.do?paid=0&pmt_id=1998524_1

ERROR Return example

If Svea Payments payment method selection page has been skipped, in some cases the names of erroneous input parameters are appended to the return URLs:

http://www.mytestshop.fi/pay/return/Error.do?pmt_id=1998524_1
http://www.mytestshop.fi/pay/return/Error.do?paid=0&pmt_id=1998524_1

Invalid buyer email

http://www.mytestshop.fi/pay/return/Error.do?pmt_id=1998524_1&error_fields=[model.pmt_buyeremail]

Invalid delivery address postal code

http://www.mytestshop.fi/pay/return/Error.do?pmt_id=1998524_1&error_fields=[model.pmt_deliverypostalcode]

Invalid buyer email, billing address postal code and delivery address postal code

http://www.mytestshop.fi/pay/return/Error.do?pmt_id=1998524_1&error_fields=[model.pmt_buyeremail][model.pmt_buyerpostalcode][model.pmt_d

Svea Payments API

Create Payment examples