payarc 1.5.0

Payarc Python SDK

Payarc SDK for Python

The Payarc SDK allows developers to integrate Payarc's payment processing capabilities into their applications with ease. This SDK provides a comprehensive set of APIs to handle transactions, customer management, and candidate merchant management.

Table of Contents

• Installation
• Usage
• API Reference
• Examples
• Contributing
• License

Installation

You can install the Payarc SDK using pip (for Python projects).

$ pip install payarc

Usage

Before you can use the Payarc SDK, you need to initialize it with your API key and the URL base point. This is required for authenticating your requests and specifying the endpoint for the APIs. For each environment (prod, sandbox) both parameters have different values. This information should stay on your server and security measures must be taken not to share it with your customers. Provided examples use package python-dotenv to store this information and provide it on the constructor. It is not mandatory to use this approach as your setup could be different. In case you want to take benefits of candidate merchant functionality you need so-called Agent identification token. This token could be obtained from the portal.

You have to create .env file in root of your project and update the following rows after =

PAYARC_ENV=''
PAYARC_KEY=''
AGENT_KEY=''

then install python-dotenv package

```bash
$ pip install python-dotenv

You have to create object from SDK to call different methods depends on business needs. Optional you can load .env file into configuration by adding the following code:

from dotenv import load_dotenv
import os
load_dotenv()

then you create instance of the SDK

/**
 * Creates an instance of Payarc.
 * @param {string} bearer_token - The bearer token for authentication.Mandatory parameter to construct the object
 * @param {string} [base_url='sandbox'] - The url of access points possible values prod or sandbox, as sandbox is the default one. Vary for testing playground and production. can be set in environment file too.
 * @param {string} [api_version='/v1/'] - The version of access points for now 1(it has default value thus could be omitted).
 * @param {string} [version='1.0'] - API version.
 * @param {string} bearer_token_agent - The bearer token for agent authentication. Only required if you need functionality around candidate merchant
 * 
 */
from payarc import Payarc

payarc = Payarc(
    bearer_token=os.getenv('PAYARC_KEY'),
    bearer_token_agent=os.getenv('AGENT_KEY'),
    base_url=os.getenv('PAYARC_BASE_URL'),
    version=os.getenv('PAYARC_VERSION')
)

if no errors you are good to go.

API Reference

• Documentation for existing payment API provided by Payarc can be found on https://docs.payarc.net/
• Documentation for existing candidate merchant management API can be found on https://docs.apply.payarc.net/

Examples

SDK is build around object payarc. From this object you can access properties and function that will support your operations.

Object payarc.charges

Object payarc.charges is used to manipulate payments in the system. This object has following functions:

create - this function will create a payment intent or charge accepting various configurations and parameters. See examples for some use cases. 
retrieve - this function returns json object 'Charge' with details
list - returns an object with attribute 'charges' a list of json object holding information for charges and object in attribute 'pagination'
create_refund - function to perform a refund over existing charge

Object payarc.customer

Object payarc.customer is representing your customers with personal details, addresses and credit cards and/or bank accounts. Saved for future needs

create - this function will create object stored in the database for a customer. it will provide identifier unique for each in order to identify and inquiry details. See examples and docs for more information
retrieve - this function extract details for specific customer from database
list - this function allows you to search amongst customers you had created. It is possible to search based on some criteria. See examples and documentation for more details  
update - this function allows you to modify attributes of customer object.

Object payarc.applications

Object payarc.applications is used by Agents and ISVs to manage candidate merchant when acquiring new customer. As such you can create, list, get details, and manage documents required in boarding process.

create - this function add new candidate into database. See documentation for available attributes, possible values for some of them and which are mandatory. 
list - returns a list of application object representing future merchants. Use this function to find the interested identifier. 
retrieve - based on identifier or an object returned from list function, this function will return details 
delete - in case candidate merchant is no longer needed it will remove information for it.
add_document - this function is adding base64 encoded document to existing candidate merchant. For different types of document required in the process contact Payarc. See examples how the function could be invoked
delete_document - this function removes document, when document is no longer valid.
submit - this function initialize the process of sing off contract between Payarc and your client

Object payarc.billing

This object is aggregating other objects responsible for recurrent payments. Nowadays they are plan and subscription.

Object payarc.billing.plan

This object contains information specific for each plan like identification details, rules for payment request and additional information. This object ahs methods for:

create - you can programmatically created new objects to meet client's needs,
list - inquiry available plans,
retrieve - collect detailed information for a plan,
update - modify details of a plan,
delete - remove plan when no longer needed,
create_subscription: issue a subscription for a customer from a plan.

Based on plans you can create subscription. Time scheduled job will request and collect payments (charges) according plan schedule from customer

First, initialize the Payarc SDK with your API key:

payarc = Payarc(
    bearer_token=os.getenv('PAYARC_KEY'),
    bearer_token_agent=os.getenv('AGENT_KEY'),
    base_url=os.getenv('PAYARC_BASE_URL'),
    version=os.getenv('PAYARC_VERSION')
)

Creating a Charge

Example: Create a Charge with Minimum Information

To create a payment(charge) from a customer, minimum information required is:

• amount converted in cents,
• currency equal to 'usd',
• source the credit card which will be debited with the amount above.

For credit card minimum needed attributes are card number and expiration date. For full list of attributes see API documentation. This example demonstrates how to create a charge with the minimum required information:

import asyncio

async def create_charge_example():
    charge_data = {
        "amount": 1785,
        "currency": "usd",
        "source": {
            "card_number": "4012000098765439",
            "exp_month": "03",
            "exp_year": "2025",
        }
    }

    try:
        charge = await payarc.charges['create'](charge_data)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)
        
        
if __name__ == "__main__":
    asyncio.run(create_charge_example())

Example: Create a Charge by Token

To create a payment(charge) from a customer, minimum information required is:

• amount converted in cents,
• currency equal to 'usd',
• source an object that has attribute token_id. this can be obtained by the CREATE TOKEN API for token creation. This example shows how to create a charge using a token:

async def create_charge_by_token():
    charge_data = {
        "amount": 3785,
        "currency": "usd",
        "source": {
            "token_id": "tok_mEL8xxxxLqLL8wYl"
        }
    }
    try:
        charge = await payarc.charges['create'](charge_data)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)

Example: Create a Charge by Card ID

Charge can be generated over specific credit card (cc) if you know the cc's ID and customer's ID to which this card belongs. This example demonstrates how to create a charge using a card ID:

async def create_charge_by_card_id():
    charge_data = {
        "amount": 3785,
        "currency": "usd",
        "source": {
            "card_id": "card_Ly9tetrt59M0m1",
            "customer_id": "cus_jMNetettyynDp"
        }
    }
    try:
        charge = await payarc.charges['create'](charge_data)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)

 asyncio.run(create_charge_by_card_id())

Example: Create a Charge by Customer ID

This example shows how to create a charge using a customer ID:

async def create_charge_by_customer_id():
    charge_data = {
        "amount": 5785,
        "currency": "usd",
        "source": {
            "customer_id": "cus_jMNetettyynDp"
        }
    }
    try:
        charge = await payarc.charges['create'](charge_data)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)

 asyncio.run(create_charge_by_customer_id())

Example: Create a Charge by Bank account ID

This example shows how to create an ACH charge when you know the bank account

async def create_charge_by_bank_account():
    try:
        customer = await payarc.customers['retrieve']('cus_jMNKVMPKnNxPVnDp')
        charge = await customer['charges']['create']({
            'amount':6699,
            'sec_code': 'WEB',
            'source': {
                'bank_account_id': 'bnk_eJjbbbbbblL'
            }
        })
        print('Charge created successfully:', charge)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(create_charge_by_bank_account())

Example make ACH charge with new bank account. Details for bank account are send in attribute source

async def create_ach_charge_by_bank_account_details():
    try:
        customer = await payarc.customers['retrieve']('cus_jMNKVMPKnNxPVnDp')
        charge = await customer['charges']['create']({
            'amount': 6699,
            'sec_code': 'WEB',
            'source': {
                 'account_number':'123432575352',
                 'routing_number':'123345349',
                 'first_name': 'FirstName III',
                 'last_name':'LastName III',
                 'account_type': 'Personal Savings',
            }
        })
        print('Charge created successfully:', charge)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(create_ach_charge_by_bank_account_details())

Listing Charges

Example: List Charges with No Constraints

This example demonstrates how to list all charges without any constraints:

async def list_charges(options=None):
    try:
        charges = await payarc.charges['list'](options)
        print(charges)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(list_charges({}))

Retrieving a Charge

Example: Retrieve a Charge

This example shows how to retrieve a specific charge by its ID:

async def get_charge_by_id(id):
    try:
        charge = await payarc.charges['retrieve'](id)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(get_charge_by_id('ch_nbDB*******RnMORX'))

Example: Retrieve a ACH Charge

his example shows how to retrieve a specific ACH charge by its ID:

async def get_charge_by_id(id):
    try:
        charge = await payarc.charges['retrieve'](id)
        print('Success, the charge is:', charge)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(get_charge_by_id('ach_DB*******RnTYY'))

Refunding a Charge

Example: Refund a Charge

This example demonstrates how to refund a charge:

async def refund_charge_by_obj(id, options=None):
    try:
        charge = await payarc.charges['retrieve'](id)
        refund = await charge['create_refund'](options)
        print('Success, the refund is:', refund)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(refund_charge_by_obj('ch_M*********noOWL', {
                                      'reason': 'requested_by_customer',
                                      'description': 'The customer returned the product'
                                      }
                                 ))

Alternatively, you can refund a charge using the create_refund method on the Payarc instance:

async def refund_charge(id, options=None):
    try:
        refund = await payarc.charges['create_refund'](id, options)
        print('Success, the refund is:', refund)
    except Exception as error:
        print('Error detected:', error)
asyncio.run(refund_charge('ch_M*******noOWL'))

Example: Refund an ACH Charge

This example demonstrates how to refund an ACH charge with charge object:

async def refund_ach_charge_by_obj(id, options=None):
    try:
        charge = await payarc.charges['retrieve'](id)
        refund = await charge['create_refund'](options)
        print('Success, the refund is:', refund)
    except Exception as error:
        print('Error detected:', error)
 asyncio.run(refund_ach_charge_by_obj('ach_g9dDE7GDdeDG08eA', {}))

This example demonstrates how to refund an ACH charge with charge identifier:

async def refund_charge(id, options=None):
    try:
        refund = await payarc.charges['create_refund'](id, options)
        print('Success, the refund is:', refund)
    except Exception as error:
        print('Error detected:', error)
        
 asyncio.run(refund_charge('ach_g9dDE7GDdeDG08eA'))

Managing Customers

Example: Create a Customer with Credit Card Information

This example shows how to create a new customer with credit card information:

async def create_customer_example():
    customer_data = {
        "email": "[e-mail]",
        "cards": [
            {
                "card_source": "INTERNET",
                "card_number": "4012000098765439",
                "exp_month": "04",
                "exp_year": "2025",
                "cvv": "997",
                "card_holder_name": "John Doe",
                "address_line1": "123 Main Street",
                "city": "Greenwich",
                "state": "CT",
                "zip": "06830",
                "country": "US",
            },
            {
                "card_source": "INTERNET",
                "card_number": "4012000098765439",
                "exp_month": "11",
                "exp_year": "2025",
                "cvv": "998",
                "card_holder_name": "John Doe",
                "address_line1": "123 Main Street Apt 3",
                "city": "Greenwich",
                "state": "CT",
                "zip": "06830",
                "country": "US",
            }
        ]
    }
    try:
        customer = await payarc.customers['create'](customer_data)
        print('Customer created:', customer)
    except Exception as error:
        print('Error detected:', error)
        
 asyncio.run(create_customer_example())

Example: Update a Customer

This example demonstrates how to update an existing customer's information when only ID is known:

async def update_customer(id):
    try:
        updated_customer = await payarc.customers['update'](id, {
            "name": 'John Doe II',
            "description": 'Example customer',
            "phone": '1234567890'
        })
        print('Customer updated successfully:', updated_customer)
    except Exception as error:
        print('Error detected:', error)

 asyncio.run(update_customer('cus_**********njA'))

Example: Update an Already Found Customer

This example shows how to update a customer object:

async def update_customer_by_obj(id):
    try:
        customer = await payarc.customers['retrieve'](id)
        updated_customer = await customer['update']({
            "description": 'Senior Example customer'
        })
        print('Customer updated successfully:', updated_customer)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(update_customer_by_obj('cus_DP*********njA'))

Example: List Customers with a Limit

This example demonstrates how to list customers with a specified limit:

async def list_customer_with_limit(limit):
    try:
        data = await payarc.customers['list']({'limit': limit})
        customers = data['customers']
        pagination = data['pagination']
        print(customers[0]['card']['data'])
        print(pagination)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(list_customer_with_limit(3))

Example: Add a New Card to a Customer

This example shows how to add a new card to an existing customer:

async def add_card_to_customer():
    try:
        customer = await payarc.customers['retrieve']('cus_j*********Dp')
        card = await customer['cards']['create']({
            'card_source': 'INTERNET',
            'card_number': '5146315000000055',
            'exp_month': '03',
            'exp_year': '2025',
            'cvv': '997',
            'card_holder_name': 'John Doe',
            'address_line1': '123 Main Street ap 5',
            'city': 'Greenwich',
            'state': 'CT',
            'zip': '06830',
            'country': 'US',
        })
        print('Card added successfully:', card)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(add_card_to_customer())

Example: Add a New Bank Account to a Customer

This example shows how to add new bank account to a customer. See full list of bank account attributes in API documentation

async def add_bank_account_to_customer():
    try:
        customer = await payarc.customers['retrieve']('cus_j*******nDp')
        bank_account = await customer['bank_accounts']['create']({
            'account_number': '123432575352',
            'routing_number': '123345349',
            'first_name': 'John III',
            'last_name': 'LastName III',
            'account_type': 'Personal Savings',
            'sec_code': 'WEB'
        })
        print('Bank account added successfully:', bank_account)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(add_bank_account_to_customer())

Manage Candidate Merchants

Create new Candidate Merchant

In the process of connecting your clients with Payarc a selection is made based on Payarc's criteria. Process begins with filling information for the merchant and creating an entry in the database. Here is an example how this process could start

async def create_candidate_merchant():
    try:
        merccandidate = {
                "Lead":
                    {
                        "Industry": "cbd",
                        "MerchantName": "My applications company",
                        "LegalName": "Best Co in w",
                        "ContactFirstName": "Joan",
                        "ContactLastName": "Dhow",
                        "ContactEmail": "[e-mail]",
                        "DiscountRateProgram": "interchange"
                    },
                "Owners": [
                    {
                        "FirstName": "First",
                        "LastName": "Last",
                        "Title": "President",
                        "OwnershipPct": 100,
                        "Address": "Somewhere",
                        "City": "City Of Test",
                        "SSN": "4546-0034",
                        "State": "WY",
                        "ZipCode": "10102",
                        "BirthDate": "1993-06-24",
                        "Email": "[e-mail]",
                        "PhoneNo": "2346456784"
                    }
                ]
            }
        candidate = await payarc.applications['create'](merccandidate)
        print('Candidate created successfully:', candidate)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(create_candidate_merchant())

In this example attribute Lead is an object representing the business as the attribute Owners is and array of objects representing the owners of this business. Note this is the minimum information required. For successful boarding you should provide as much information as you can, for reference see documentation. In some case the logged user has to create application in behalf of some other agent. in this case the object_id of this agent must be sent in the object sent to function payarc.applications.create.To obtain the list of agent you can use function listSubAgents as it is shown on examples:

async def create_candidate_in_behalf_of_other_agent():
    try:
        merccandidate = {
            "Lead":
                {
                    "Industry": "cbd",
                    "MerchantName": "My applications company",
                    "LegalName": "Best Co in w",
                    "ContactFirstName": "Joan",
                    "ContactLastName": "Dhow",
                    "ContactEmail": "[e-mail]",
                    "DiscountRateProgram": "interchange"
                },
            "Owners": [
                {
                    "FirstName": "First",
                    "LastName": "Last",
                    "Title": "President",
                    "OwnershipPct": 100,
                    "Address": "Somewhere",
                    "City": "City Of Test",
                    "SSN": "4546-0034",
                    "State": "WY",
                    "ZipCode": "10102",
                    "BirthDate": "1993-06-24",
                    "Email": "[e-mail]",
                    "PhoneNo": "2346456784"
                }
            ]
        }
        sub_agent = await payarc.applications['list_sub_agents']()
        merccandidate['agentId'] = sub_agent[0]['object_id'] if sub_agent else None
        candidate = await payarc.applications['create'](merccandidate)
        print('Candidate created successfully:', candidate)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(create_candidate_in_behalf_of_other_agent())

Retrieve Information for Candidate Merchant

To continue with onboarding process you might need to provide additional information or to inquiry existing leads. In the SDK following functions exists: list and retrieve.

List all candidate merchant for current agent

async def list_applications():
    try:
        response = await payarc.applications['list']()
        applications = response['applications']
        print(applications)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(list_applications())

Retrieve data for current candidate merchant

async def get_candiate_merchant_by_id(id):
    try:
        candidate = await payarc.applications['retrieve'](id)
        print('Candidate retrieved successfully:', candidate)
    except Exception as error:
        print('Error detected:', error)
   
asyncio.run(get_candiate_merchant_by_id('app_**********njA'))

Retrieve data for candidate merchant from a list inc documents

async def list_inc_documents():
    try:
        response = await payarc.applications['list']()
        applicant = response['applications'][-1]
        details = await applicant['retrieve']()
        print(details['Documents'])
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(list_inc_documents())

Update properties of candidate merchant

async def update_candidate_merchant(id):
    try:
        updated_candidate = await payarc.applications['update'](id,
                            {
                                "MerchantBankAccountNo": "987396827",
                                "MerchantBankRoutingNo": "1848505",
                                "BankInstitutionName": "Bank of something"
                            })
        print('Candidate updated successfully:', updated_candidate)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(update_candidate_merchant('app_**********njA'))

Documents management

SDK is providing possibility of adding or removing documents with add_document and delete_document respectively.

Example for adding supportive documents to candidate merchant

async def add_document_to_candidate_merchant(id):
    try:
        candidate = await payarc.applications['retrieve'](id)
        document = await candidate['data']['add_document']({
                "DocumentType": "Business Bank Statement",
                "DocumentName": "sample document 1",
                "DocumentIndex": 12243,
                "DocumentDataBase64": "data:image/jpeg;base64,"
                                      "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 "
        })
        print('Document added successfully:', document)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(add_document_to_candidate_merchant('app_**********njA'))

In this example we search for all candidate merchants and on the last added in the system we attach a document (Payarc logo) that will be used in on boarding process. See documentation for document attributes. In case document is no longer needed you can see those examples

async def remove_document_from_candidate_merchant():
    try:
        candidates = await payarc.applications['list']()
        applicant = candidates['applications'][-1]
        details = await applicant['retrieve']()
        document = details.get('Documents', {}).get('data', [None])[0]
        if document:
            deleted_doc = await document['delete']()
            print('Document deleted successfully:', deleted_doc)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(remove_document_from_candidate_merchant())

Again we search for the last candidate and remove first found (if exists) document. In case we already know the document ID, for example if we retrieve information for candidate you can use

async def remove_document_by_id():
    try:
        deleted_doc = await payarc.applications['delete_document']('doc_3joyr*********vx')
        print('Document deleted successfully:', deleted_doc)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(remove_document_by_id())

Signature

As agent or ISV the process is completed once the contract between Payarc and your client is sent to this client for signature. Once all documents and data is collected method submit of the candidate merchant must be invoked, here is an example

async def submit_application():
    try:
        application = await payarc.applications['submit']('appl_3aln*******8y8')
        print('Application submitted successfully:', application)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(submit_application())

Split Payment

As ISV you can create campaigns to manage financial details around your processing merchants. In the SDK the object representing this functionality is split_campaigns this object has functions to create. list, update campaigns. Here below are examples related to manipulation of campaign.

List all campaigns

To inquiry all campaigns available for your agent

async def list_campaign():
    try:
        campaigns = await payarc.split_campaigns['list']()
        print('Campaigns:', campaigns)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(list_campaign())

as result a list of campaigns is returned. based on this list you can update details

List all processing merchants

Use this function to get collection of processing merchants. Later on you can assign campaigns to them

async def list_all_processing_merchants():
    try:
        merchants = await payarc.split_campaigns['list_accounts']()
        print('Merchants:', merchants['campaign_accounts'])
    except Exception as error:
        print('Error detected:', error)

asyncio.run(list_all_processing_merchants())

Create and retrieve details for campaign

Use this function to create new campaign

async def create_campaign():
    try:
        campaign = await payarc.split_campaigns['create']({
            'name': 'Mega bonus',
            'description': "Compliment for my favorite customers",
            'note': "Only for VIPs",
            'base_charge': 33.33,
            'perc_charge': 7.77,
            'is_default': '0',
            'accounts': []
        })
        print('Campaign created:', campaign)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(create_campaign())

as result the new campaign is returned use it as an object of reference to object_id. IF you need to query details about the campaign see the example below.

async def get_campaign_by_id(id):
    try:
        campaign = await payarc.split_campaigns['retrieve'](id)
        print('Campaign retrieved:', campaign)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(get_campaign_by_id('cmp_o3**********86n5'))

Update campaign details

In case you need to update details of the campaign use update function. in the examples below you can reference campaign by id or as an object

async def update_campaign():
    try:
        payload = {
                      'notes': "new version of notes"
                  }

        campaign = await payarc.split_campaigns['update']('cmp_o3maq0gklr78p6n5', payload)
        print('Campaign updated:', campaign)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(update_campaign())

Recurrent Payments Setup

Recurrent payments, also known as subscription billing, are essential for any service-based business that requires regular, automated billing of customers. By setting up recurrent payments through our SDK, you can offer your customers the ability to easily manage subscription plans, ensuring timely and consistent revenue streams. This setup involves creating subscription plans, managing customer subscriptions, and handling automated billing cycles. Below, we outline the steps necessary to integrate recurrent payments into your application using our SDK.

Creating Subscription Plans

The first step in setting up recurrent payments is to create subscription plans. These plans define the billing frequency, pricing, and any trial periods or discounts. Using our SDK, you can create multiple subscription plans to cater to different customer needs. Here is an example of how to create a plan:

async def create_plan():
    plan_data = {
        'name': 'Monthly billing regular',
        'amount': 999,
        'interval': 'month',
        'statement_descriptor': '2024 MerchantT. Rglr srvc'
    }
    try:
        plan = await payarc.billing['plan']['create'](plan_data)
        print('Plan created:', plan)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(create_plan())

In this example a new plan is created in attribute name client friendly name of the plan must be provided. Attribute amount is number in cents. in interval you specify how often the request for charge will occurs. Information in statement_descriptor will be present in the reason for payment request. For more attributes and details check API documentation.

Updating Subscription Plan

Once plan is created sometimes it is required details form it to be changed. The SDK allow you to manipulate object plan or to refer to the object by ID. here are examples how to change details of a plan:

async def update_plan():
    try:
        plans = await payarc.billing['plan']['list']()
        plan = plans['plans'][0]
        if plan:
            updated_plan = await plan['update']({'name': 'Monthly billing regular II'})
            print('Plan updated:', updated_plan)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(update_plan())

Update plan when know the ID

async def update_plan_by_id(id):
    try:
        updated_plan = await payarc.billing['plan']['update'](id,
                                                              {
                                                                  'name': 'Monthly billing regular II'
                                                              }
                                                              )
        print('Plan updated:', updated_plan)
    except Exception as error:
        print('Error detected:', error
              )
asyncio.run(update_plan_by_id('plan_3aln*******8y8'))

Creating Subscriptions

Once you have created subscription plans, the next step is to manage customer subscriptions. This involves subscribing customers to the plans they choose and managing their billing information. Our SDK makes it easy to handle these tasks. Here's how you can subscribe a customer to a plan:

Create a subscription over plan object

async def create_subscription():
    try:
        plans = await payarc.billing['plan']['list']({'search': 'iron'})
        subscriber = {
            'customer_id': 'cus_DPNMVjx4AMNNVnjA',
        }
        plans = plans['plans']
        if plans:
            plan = plans[0]
            if plan:
                subscription = await plan['create_subscription'](subscriber)
                print('Subscription created:', subscription)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(create_subscription())

# Create a subscription with plan id

async def create_subscription_by_plan_id():
    try:
        subscriber = {
            'customer_id': 'cus_D**********njA',
        }
        subscription = await payarc.billing['plan']['create_subscription']('plan_3aln*******8y8', subscriber)
        print('Subscription created:', subscription)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(create_subscription_by_plan_id())

This code subscribes a customer to the premium plan using their saved payment method. The SDK handles the rest, including storing the subscription details and scheduling the billing cycle.

Listing Subscriptions

To collect already created subscriptions you can use method list as in the example

async def list_subscription():
    try:
        subscriptions = await payarc.billing['plan']['subscription']['list']()
        print('Subscriptions:', subscriptions)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(list_subscription())

You can sent parameters to filter on result for example the quantity and the plan

async def list_subscription_with_filter():
    try:
        subscriptions = await payarc.billing['plan']['subscription']['list']({'limit': 3, 'plan':'plan_7****f'})
        print('Subscriptions:', subscriptions)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(list_subscription_with_filter())

Updating Subscription

To manipulate subscription SDK is providing few methods update and cancel, both can be used with identifier of subscription or over subscription object. Examples of their invocations:

Update subscription with ID

async def update_subscription():
    try:
        subscription = await payarc.billing['plan']['subscription']['update']('sub_Vg0rxj00AVrjPAoX', {'description':'Monthly for VIP'})
        print('Subscription updated:', subscription)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(update_subscription())

Cancel subscription with ID

async def cancel_subscription():
    try:
        subscription = await payarc.billing['plan']['subscription']['cancel']('sub_Vg0rxj00AVrjPAoX')
        print('Subscription canceled:', subscription)
    except Exception as error:
        print('Error detected:', error)
        
asyncio.run(cancel_subscription())

Manage Disputes

A dispute in the context of payment processing refers to a situation where a cardholder questions the validity of a transaction that appears on their statement. This can lead to a chargeback, where the transaction amount is reversed from the merchant's account and credited back to the cardholder. A cardholder sees a transaction on their account that they believe is incorrect or unauthorized. This could be due to various reasons such as fraudulent activity, billing errors, or dissatisfaction with a purchase. The cardholder contacts their issuing bank to dispute the transaction. They may provide details on why they believe the transaction is invalid. The issuing bank investigates the dispute. This may involve gathering information from the cardholder and reviewing the transaction details. The issuing bank communicates the dispute to the acquiring bank (the merchant's bank) through the card network (in your case Payarc). The merchant is then required to provide evidence to prove the validity of the transaction, such as receipts, shipping information, or communication with the customer. Based on the evidence provided by both the cardholder and the merchant, the issuing bank makes a decision. If the dispute is resolved in favor of the cardholder, a chargeback occurs, and the transaction amount is deducted from the merchant's account and credited to the cardholder. If resolved in favor of the merchant, the transaction stands. This documentation should help you understand how to use the Payarc SDK to manage charges and customers. If you have any questions, please refer to the Payarc API documentation or contact support.

Inquiry Dispute

The SDK provide a function to list your disputes. you can provide query parameters to specify the constraints over the function. when sent with no parameters it returns all disputes in the past one month

async def list_cases():
    try:
        cases = await payarc.disputes['list']()
        print('Cases:', cases)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(list_cases())

You can get details for a dispute by retrieve function. the identifier is returned by list function

async def get_case(id):
    try:
        case = await payarc.disputes['retrieve'](id)
        print('Case:', case)
    except Exception as error:
        print('Error detected:', error)

asyncio.run(get_case('case_3aln*******8y8'))

Submit Cases

In order to resolve the dispute in your(merchant's) flavour, the merchant is required to provide evidence to prove the validity of the transaction, such as receipts, shipping information, or communication with the customer. The SDK provides a function add_document that allows you to provide files and write messages to prove that you have rights to keep the mony for the transaction. First parameter of this function is the identifier of the dispute for which the evidence is. Next parameter is an object with following attributes:

• DocumentDataBase64: base46 representation of the files that will be used as evidence
• text: short text to describe the evidence
• mimeType: type of the provided file
• message: Description of submitted case For more information for parameters and their attributes check documentation

async def submit_case():
    document_base64 = "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"
    try:
        case = await payarc.disputes['add_document']('dis_MVB1AV901Rb1VAW0',
                                                     {
                                                         'DocumentDataBase64': document_base64,
                                                         'text': 'It is the true true'
                                                     })
        print('Case submitted:', case)
    except Exception as error:
        print('Error detected:', error)

License MIT