Tochka Bank Acquiring: Instruction

What the add-on does

The "Tochka Bank Acquiring" add-on connects your store to Tochka Bank acquiring and automatically processes order payments through the bank payment gateway.

Installation

1. Upload the add-on to your store’s addons directory.
2. Open Add-ons → Manage add-ons.
3. Find "Tochka Bank Acquiring" and click Install.

Enable the add-on

1. Make sure the add-on status is Active.

Where to configure it

Configuration is done via payment method settings: Administration → Payment methods. Create or open a payment method with the "Tochka Bank Acquiring" processor.

Add-on Configuration: Main Parameters

After creating the "Tochka Bank Acquiring" payment method, navigate to the **Configure** tab (or similar, e.g., "Parameters") within the settings of this payment method. There you will find fields for entering data obtained from Tochka Bank:

• API Key: A unique key for authentication in the Tochka Bank system. Obtained in the Tochka Bank personal account after registering for acquiring services.
• Shop ID: Your store's identifier in the Tochka Bank system. Also provided by the bank.
• Test mode: An option to enable/disable the acquiring test mode. Use to verify integration without real transactions.
• Customer Code: Customer identifier used by Tochka Bank.
• Merchant ID: Merchant identifier in the Tochka Bank system.
• Client ID: Client identifier for OAuth authorization.
• API Token: Additional token for API access.
• Webhook Secret: This key is used to verify the authenticity of notifications received from Tochka Bank. Obtained in the Tochka Bank personal account.
• Currency: The currency of payments accepted through this payment method. Must match your store's currency.
• Payment Mode: Determines how funds will be debited (e.g., single-stage or two-stage payment, where funds are first blocked and then debited).
• Payment Methods: Select available payment methods (e.g., bank cards, SBP).
• Send Receipt: Enable or disable automatic receipt sending (for 54-FZ compliance).
• Tax System: Specify your tax system for receipt fiscalization (e.g., General, Simplified Income, Simplified Income minus Expenses).
• Default Tax Rate: Default tax rate applied to products and shipping if no other is specified.
• Payment Method (for receipt): The payment method that will be indicated in the fiscal receipt (e.g., "Electronic means").
• Payment Object (for receipt): The payment object that will be indicated in the fiscal receipt (e.g., "Product", "Service").

Add-on Configuration: DigitalKassa / 54-FZ Fiscalization

To enable automatic fiscalization of receipts via the DigitalKassa service, configure the following parameters:

• DigitalKassa Enabled: Activate this option to use DigitalKassa.
• DigitalKassa Actor: Unique actor identifier in the DigitalKassa system.
• DigitalKassa Token: API token for DigitalKassa authorization.
• DigitalKassa Group ID: Group identifier for DigitalKassa.
• DigitalKassa SNO: Specify the tax system if it differs from the main one.

It is recommended to perform a test receipt submission through DigitalKassa to verify the correctness of the settings.

Webhook / Callback Scenario

For correct processing of payment statuses and automatic order updates, you need to configure notifications (webhook) in your Tochka Bank personal account. Use the following URL to receive notifications:

[Your_domain]/app/addons/ms_tochka/callback.php

Replace [Your_domain] with your store's domain name. Ensure that this URL is publicly accessible.

How to verify notification processing:

1. After a test payment in Tochka Bank, check your server or add-on logs (if available) to ensure that the notification from the bank was received and processed.
2. Verify that the order status in CS-Cart has updated correctly.

Operations in Order Details (Refunds and Capture)

After a successful payment, in the order details page (Orders → View orders → [Selected order]), additional data and buttons for managing the payment will appear:

• Payment statuses: Displays the current status of the operation (e.g., "Paid", "Held").
• Payment ID: Unique transaction identifier in the Tochka Bank system.
• Fiscal data: Information about receipt fiscalization (if DigitalKassa is used).
• Operation history: Detailed information about all actions related to the payment.
• Refund: If the payment was successfully processed, a button for partial or full refund will appear. Use it if you need to cancel or return a payment to the buyer.
• Capture: If a two-stage payment mode (holding) was selected in the settings, a button to confirm the debiting of blocked funds will appear. This completes the transaction and debits the money from the buyer's card.

Important: All refund and capture actions will be displayed in the order's operation history.

How to test

1. Create a test order on the storefront.
2. Select "Tochka Bank Acquiring" as payment method.
3. Complete a test payment.
4. Check that the order status changed according to your mapping.
5. In your Tochka Bank personal account, confirm that the test transaction is registered.
6. If test fiscalization is activated, verify that the test receipt is sent and available in DigitalKassa.
7. Check the "Operations" section in the test order details for all data (Payment ID, statuses).
8. If holding is configured, capture the payment and verify debiting.
9. Attempt to issue a refund for the test order.

Good to know

• Before going live, make sure acquiring is activated in Tochka Bank and your store is connected.
• After add-on updates, re-check status mapping correctness.
• To obtain API keys and Shop ID, contact Tochka Bank support or find information in your personal account.