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valU

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valU is a consumer finance platform that enables customers in Egypt to make online purchases through short-term financing with flexible installment plans. Customers can split their purchases into manageable payments while merchants receive the full payment amount upfront.

valU transactions are processed in Egyptian Pound (EGP) only and support direct capture payments exclusively.

valU is exclusively available in Egypt for Egyptian residents. Ensure your merchant account is configured for the Egyptian market before integration.

Prerequisites​

Before integrating valU, ensure you have completed the following requirements:

  1. Customer Registration
    Customers must be registered with valU to access installment benefits and wallet services.

  2. Active valU Service
    valU must be activated on your Amazon Payment Services account. Contact your account manager if you need activation.

  3. Integration Method
    valU is available exclusively through Custom Integration, providing complete control over the checkout experience.

  4. Currency Support
    valU transactions must be processed in Egyptian Pound (EGP) only.

Integration Methods​

Choose the integration method that best fits your business needs and technical requirements:

Through Custom Integration

Direct API integration with complete control over the payment flow and user experience

Through Custom Integration​

Custom Integration provides direct API access for building tailored valU payment experiences with complete control over the user interface and checkout flow.

How Custom Integration Works

The valU custom integration process follows these steps:

1

Customer Verification (Optional)

Verify Customer Registration

Before initiating any payment flow, you can optionally verify if the customer is registered with valU using their phone number.

API Endpoints​

https://sbpaymentservices.payfort.com/FortAPI/paymentApi

Sample Request​

Customer Verification Request
{
  "service_command": "CUSTOMER_VERIFY",
  "merchant_reference": "VALU-12345-2024",
  "merchant_identifier": "WeVJHPYm",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "language": "en",
  "payment_option": "VALU",
  "phone_number": "01220422223",
  "signature": "calculated_signature_here"
}

Refer to our Signature Calculation Guide for detailed implementation instructions and code examples.

2

Generate OTP

Generate One-Time Password

Generate an OTP for the customer by providing their registered phone number. valU will send the OTP code via SMS to the customer.

Sample Request​

OTP Generation Request
{
  "merchant_reference": "VALU-12345-2024",
  "merchant_identifier": "WeVJHPYm",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "signature": "calculated_signature_here",
  "service_command": "OTP_GENERATE",
  "language": "en",
  "payment_option": "VALU",
  "phone_number": "01220422223",
  "wallet_amount": "500000",
  "cashback_wallet_amount": "300000",
  "amount": "100000",
  "currency": "EGP"
}

Make sure merchant reference value is unique value per request.

Multiply your transaction amount by the currency decimal code per ISO code 3 before sending the amount parameter. For EGP (2 decimal places), multiply by 100. Example: For 1000.00 EGP, send 100000 in your request.

Check signature calculation section to learn how to calculate the signature.

Sample Response​

OTP Generation Response
{
  "service_command": "OTP_GENERATE",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "merchant_identifier": "WeVJHPYm",
  "merchant_reference": "VALU-12345-2024",
  "language": "en",
  "payment_option": "VALU",
  "phone_number": "01220422223",
  "merchant_order_id": "Valu123",
  "amount": "100000",
  "currency": "EGP",
  "total_downpayment": "10000",
  "installment_detail": [
    {
      "fee_amount": "5000",
      "installment_amount": "20000",
      "installment_per_month": "6",
      "total_installment": "120000"
3

Get Installment Plans (Optional)

Retrieve Available Installment Plans

Optionally fetch the installment plans available for the customer based on their valU profile and transaction amount.

Sample Request​

Get Installment Plans Request
{
  "service_command": "GET_INSTALLMENTS_PLANS",
  "merchant_reference": "VALU-12345-2024",
  "merchant_identifier": "WeVJHPYm",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "signature": "calculated_signature_here",
  "phone_number": "01220422223",
  "payment_option": "VALU",
  "language": "en",
  "amount": 100000,
  "currency": "EGP",
  "total_downpayment": "1200",
  "wallet_amount": "500000",
  "cashback_wallet_amount": "300000"
}

Sample Response​

Get Installment Plans Response
{
  "service_command": "GET_INSTALLMENTS_PLANS",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "merchant_identifier": "WeVJHPYm",
  "merchant_reference": "VALU-12345-2024",
  "language": "en",
  "payment_option": "VALU",
  "total_downpayment": "1200",
  "phone_number": "01220422223",
  "amount": "100000",
  "currency": "EGP",
  "signature": "calculated_response_signature",
  "installment_detail": [
    {
      "tenure": "6",
      "fee_amount": "5000",
      "installment_amount": "20000",
      "total_amount": "120000"
4

Process Payment

Complete Payment Transaction

Process the final payment using the OTP provided by the customer and their selected installment plan.

Sample Request​

Purchase Request
{
  "merchant_reference": "VALU-12345-2024",
  "merchant_identifier": "WeVJHPYm",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "signature": "calculated_signature_here",
  "command": "PURCHASE",
  "language": "en",
  "payment_option": "VALU",
  "phone_number": "01220422223",
  "amount": "100000",
  "currency": "EGP",
  "customer_email": "test@amazon.com",
  "otp": "1234",
  "tenure": "6",
  "total_down_payment": "0",
  "purchase_description": "Test",
  "wallet_amount": "500000",
  "cashback_wallet_amount": "300000"

valU transactions only support direct capture (PURCHASE Command). Authorization is not supported.

Sample Response​

Purchase Response
{
  "command": "PURCHASE",
  "access_code": "s4lwuuoY5upZlZY5D6dr",
  "merchant_identifier": "WeVJHPYm",
  "merchant_reference": "VALU-12345-2024",
  "payment_option": "VALU",
  "phone_number": "01220422223",
  "amount": "100000",
  "currency": "EGP",
  "language": "en",
  "customer_email": "test@amazon.com",
  "signature": "calculated_response_signature",
  "purchase_description": "Test",
  "customer_ip": "192.178.1.10",
  "eci": "ECOMMERCE",
  "fort_id": "149295435400084008",
  "response_message": "Success",
  "response_code": "14000",

For detailed parameter specifications, refer to our valU API Reference.

Check Transaction Status​

To check the transaction status, refer to the Check Transaction Status section.

Handling the Response​

If you have a webhook configured, check the Webhooks section to understand how we send transaction responses to your system.

Go-live​

Test your integration using one of our testing numbers.
Make sure to visit our go-live checklist to go live with your integration.

You can visualize Valu experience by checking our prototype.

Support​

Need assistance with valU implementation? Contact our technical support team at merchantsupport-ps@amazon.com.

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