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Concord Bank

Concord Bank

Supports in this guide: Payments, Payouts

Provider website: pay.concord.ua

What you need to do for start processing transactions (brief summary)

  1. Choose account type
  2. Get your credentials (from Concord Bank)
  3. Connect in Dashboard
  4. Send an API request

Choose account type

Concord Bank can be connected in different ways (depending on your needs):

  • If you do direct card payments (H2H, no redirect), Apple Pay, Google Pay, or Masterpass -> choose H2H Merchant account
  • If you do redirect card payments or card payouts (including P2P) -> choose Provider account

If you're not sure which one to use, confirm with your Corefy account manager.

Prerequisites: get from Concord Bank

Contact your Concord Bank account manager to get your account verified and receive the following credentials.

  • Merchant ID -> Corefy field merchant_id -> both account types.
  • Secret key -> Corefy field secret_key -> both account types (H2H Merchant account calls it "Private Key" in the Dashboard).
  • Google Pay Merchant ID -> Corefy field google_pay_mid -> H2H Merchant account only, optional - required only if you enable Google Pay as a feature.
  • Masterpass Client ID -> Corefy field client_id -> H2H Merchant account only, optional - required only if you enable Masterpass as a feature.
  • IBAN -> Corefy field iban -> Provider account only, optional - the sender bank account used for payouts.
  • Sender legal entity ID / name -> Corefy fields sender_legal_entity_id / sender_legal_entity_name -> Provider account only, optional.

Important

Check with your Concord Bank account manager whether you need to provide a whitelist of IPs - if so, use the Corefy IP list.

UAH only.

Payments processing (connect H2H Merchant account, create payment-invoice)

Connect H2H Merchant account in Corefy Dashboard

Step 1 - Open connection form

Open Concord Bank in the provider directory and press Connect at Concord Bank Provider Overview page in the New connection section. Choose H2H Merchant account.

Step 2 - Fill in fields and select settings

  • Merchant ID
  • Secret key
  • Google Pay Merchant ID -> (optional, only if you enable the google_pay feature)
  • Masterpass Client ID -> (optional, only if you enable the masterpass feature)
  • Currency / Features -> choose values available for your account

Success

You have connected Concord Bank H2H Merchant account!

First request to Corefy API (MIN)

What it does: creates a payment-invoice; card data itself is collected and submitted separately by Corefy's checkout/SDK layer, not as part of this request. Apple Pay, Google Pay, and Masterpass are all supported on this same connection, gated by the google_pay/masterpass features and their respective credential fields above.

Payment - MIN

POST /api/payment-invoices 

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "6be05631-8710-4b14-a369-1928a2b70eda",
      "service": "payment_card_uah_hpp",
      "currency": "UAH",
      "amount": 10
    }
  }
}

Important

No customer fields are used by this connector - only card data (and, for wallet payments, the wallet token).

Extended request (MAX)

Why add extra fields (typical reasons): - Provide additional customer details for compliance/reconciliation - Positively influence conversion rate - Include optional fields required by your specific flow

Refunds

Concord Bank supports full-amount refunds only - partial and multiple refunds against the same payment are not supported.

Payments processing (connect Provider account, create payment-invoice)

Connect Provider account in Corefy Dashboard

Step 1 - Open connection form

Open Concord Bank in the provider directory and press Connect at Concord Bank Provider Overview page in the New connection section. Choose Provider account.

Step 2 - Fill in fields and select settings

  • Merchant ID
  • Secret key
  • IBAN -> (optional, sender bank account for payouts)
  • Sender legal entity ID / name -> (optional)
  • P2P mode -> enable if you want peer-to-peer network routing

Success

You have connected Concord Bank Provider account!

First request to Corefy API (MIN)

What it does: creates a payment-invoice and redirects the customer to Concord Bank's hosted payment page.

Payment - MIN

POST /api/payment-invoices 

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "b8f1b6a2-6df3-4041-a083-8572bf055b03",
      "service": "neopay_uah_hpp",
      "currency": "UAH",
      "amount": 10
    }
  }
}

Payment - MAX

POST /api/payment-invoices 

{
  "data": {
    "type": "payment-invoice",
    "attributes": {
      "reference_id": "209a2d42-8bad-4b50-bf27-c8da59b3878e",
      "service": "neopay_uah_hpp",
      "currency": "UAH",
      "amount": 10,
      "customer": {
        "reference_id": "cus_123",
        "name": "John Wick",
        "email": "johnwick@example.com",
        "phone": "+380680786663"
      }
    }
  }
}

Important

None of the customer fields above are required - Corefy only sends what you provide and omits the rest, there is no Constants fallback mechanism for this connector.

Extended request (MAX)

Why add extra fields (typical reasons): - Provide additional customer details for compliance/reconciliation - Positively influence conversion rate - Include optional fields required by your specific flow

Refunds

Concord Bank does not support refunds on the Provider account Payments flow.

Payouts processing (connect Provider account, create payout-invoice)

Connect Provider account in Corefy Dashboard

Uses the same Provider account connected above - no separate connection step.

First request to Corefy API (MIN)

What it does: creates a payout-invoice for a card payout. Enable P2P mode on the account to route payouts through the peer-to-peer network instead.

Payout - MIN

POST /api/payout-invoices 

{
  "data": {
    "type": "payout-invoice",
    "attributes": {
      "reference_id": "efbf0a2b-5590-42b7-b10b-94d49452147d",
      "service": "payment_card_uah",
      "currency": "UAH",
      "amount": 150,
      "fields": {
        "card_number": "4111111111111111"
      }
    }
  }
}

Important

fields.card_number is required.

Extended request (MAX)

Why add extra fields (typical reasons): - Provide additional customer details for compliance/reconciliation - Positively influence conversion rate - Include optional fields required by your specific flow

Refunds

Concord Bank does not support refunds on Payouts.

Additional info

  1. Active reconciliation is available on all three flows - H2H Merchant account, Provider account Payments, and Payouts can all be checked via an active status request in addition to callbacks.
  2. No recurring - this connector does not support saving/charging a token through Corefy.
  3. No Options or Constants are configured for this connector.

FAQ / Troubleshooting

  • Invalid credentials / auth error -> verify the Merchant ID and Secret key for the selected account type
  • Apple Pay / Google Pay / Masterpass not working -> confirm the corresponding feature and credential field (Google Pay Merchant ID / Masterpass Client ID) are set on the H2H Merchant account
  • Currency or service is not supported -> confirm allowed currencies/features in your Concord Bank account and in Corefy - only UAH is available
  • Refund fails -> H2H Merchant account supports full-amount refunds only (no partial, no multiple); Provider account Payments and Payouts don't support refunds at all
  • Not sure which account type to use? -> ask your Corefy account manager

Question

Still looking for help connecting your Concord Bank account? Please contact our support team!