Kwick Receipts API - MARcet makes it easy to build customer value on digital receipts. With a scalable API, you can get up and running quickly and roll out digital receipts across your customer base.
MARcet exposes two API families with distinct roles:
- Merchant API – used by merchants/POS integrators to submit digital receipts and related sales data.
- Payment Provider API – used by acquirers/PSPs/banks to initiate transaction records and receive receipt callbacks for reconciliation.
All requests use HTTPS and require authentication per integration agreement. Real-time submission is recommended; near real-time is supported.
Purpose. Standardised intake of ARTS Digital Receipt data from merchant systems.
Who uses it. Retailers, POS vendors, middleware/integration partners.
What it does
- Accepts ARTS Digital Receipt payloads (with MARcet extensions where applicable)
- Validates schema and business rules (Business Unit, Line Items, Tender, VAT and Totals)
- Allocates receipt identifiers and makes receipts available for downstream delivery/search
- Supports reconciliation via shared references (e.g., transaction/receipt IDs)
Details, endpoints, and examples are available in the Merchant API sections linked from the developer section.
Purpose. Enable acquirers/PSPs/banks to register payment transactions first and receive receipt callbacks once the corresponding merchant receipts arrive, enabling reliable reconciliation without polling.
Who uses it. Banks, acquirers, PSPs.
How it works
- Transaction-first: The provider submits a payment transaction record (e.g., authorisation, capture, refund) with stable identifiers (provider or acquirer transaction ID, RRN, approval code, merchant reference if available).
- Linking & matching: MARcet correlates incoming merchant receipts to provider transactions via the shared references.
- Callbacks (webhooks): When a receipt is matched, MARcet calls back to the provider’s registered HTTPS endpoint with the receipt reference/payload needed for reconciliation.
- Reliability: Callbacks are retried on failure (backoff strategy); idempotency keys prevent duplicates. Providers must expose an idempotent callback endpoint.
- Security: Callbacks are authenticated and verified without bearer tokens — for example, via mutual TLS and/or signed callback headers (HMAC) as agreed per provider integration.
- Reconciliation: Providers store the callback data to finalise payment↔receipt matching; exceptions are reported via provider-side processes or MARcet status queries.
Implementation details (fields, callback headers/signing, retry policy, idempotency rules) are documented in the Payment Provider sections linked from this page.
Security & Reliability (both Merchant and Payment Provider API)
- Transport: HTTPS only.
- Authentication: Per integration (e.g., mTLS, signed requests/callbacks, allowlisting).
- Validation: Schema and business-rule checks on ingestion; structured errors/status returned.
- Idempotency: Required for POSTs and callbacks; use stable transaction/receipt IDs.
- Timing: Real-time preferred; near real-time supported with the same guarantees.
Questions?
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