This option is available when the ING Lease Now service is enabled. The basic request creating the payment must be accompanied by a cart object with an items array containing the following parameters:

Parameter Type Required parameter Description
id string YES Product identifier
name string YES Name of the product
amount integer YES Unit value of the net product in the smallest unit of currency - pennies. The value 0 is also allowed.
tax integer YES Tax unit value
taxStake string YES Tax rate. Available values: 23, 22, 8, 7, 5, 3, 0, TAX_EXEMPT, TAX_NOT_LIABLE, TAX_REVERSE_CHARGE, TAX_EXCLUDING
quantity integer YES Quantity. Minimum value is 0
url string YES The url for the product in question
categoryId string YES Category identifier
unit string NO unit
state integer NO Product state. available values: NEW, USED
discount.amount integer NO Value of discount
discount.tax integer NO Discount tax value

The minimum value for a single product in Leasing is PLN 1,000, while the value of the entire basket must be at least PLN 5,000. The amounts given are net amounts.

Example data structure 

$cart = [
    'items' => [
        [
            'id'         => 1,
            'categoryId' => 'category123',
            'name'       => 'Product name',
            'amount'     => 1000,
            'tax'        => 230,
            'taxStake'   => 23,
            'quantity'   => 1,
            'unit'       => 'szt',
            'url'        => 'https://product.url',
            'state'      => 'NEW',
            'discount'   => [
                'amount' => 100,
                'tax'    => 23,
            ]
        ]
    ]
];

The above parameters should be taken into account when calculating the signature in accordance with the section Authorisation.

Preparing the cart object

Using the PHP function

The data collected from the above parameters should be encoded using the function:

base64_encode(gzencode(json_encode($cart), 5));

where:

$cart - previously prepared parameters

$cart = [
    'items' => [
        [
            'id'         => 1,
            'categoryId' => 'category123',
            'name'       => 'Product name',
            'amount'     => 500000,
            'tax'        => 115000,
            'taxStake'   => 23,
            'quantity'   => 1,
            'unit'       => 'szt',
            'url'        => 'https://product.url',
            'state'      => 'NEW',
            'discount'   => [
                'amount' => 100,
                'tax'    => 23,
            ],
        ],
    ],
];
$cart = base64_encode(gzencode(json_encode($cart), 5));

$fields = [
    'serviceId' => '63f574ed-d90d-4abe-9cs1-39117584a7b7',
    'merchantId' => '6yt3gjtm9p1odfgx8491',
    'amount' => '615000',
    'currency' => 'PLN',
    'orderId' => '123',
    'orderDescription' => '#Example transaction',
    'customerFirstName' => 'Jan',
    'customerLastName' => 'Kowalski',
    'customerEmail' => 'jan.kowalski@example.com',
    'customerPhone' => '515515515',
    'urlSuccess' => 'https://your-shop.com/success',
    'urlFailure' => 'https://your-shop.com/failure',
    'urlReturn' => 'https://your-shop.com/return',
    'cart' => $cart,
];
$serviceKey = 'eAyhFLuHgwl5hu-32GM8QVlCVMWRU0dGjH1c';
$hashMethod = 'sha256';
$signature = createSignature(
    $fields,
    $serviceKey,
    $hashMethod
) . ';' . $hashMethod;

Using the additional parameter visibleMethod with the value lease will display only Leasing on the gateway. This allows you to extract a given method as a separate item in the summary.

Example form content 

<input type="hidden" value="63f574ed-d90d-4abe-9cs1-39117584a7b7" name="serviceId">
<input type="hidden" value="6yt3gjtm9p1odfgx8491" name="merchantId">
<input type="hidden" value="300" name="amount">
<input type="hidden" value="PLN" name="currency">
<input type="hidden" value="123" name="orderId">
<input type="hidden" value="Example transaction" name="orderDescription">
<input type="hidden" value="John" name="customerFirstName">
<input type="hidden" value="Doe" name="customerLastName">
<input type="hidden" value="johndoe@domain.com" name="customerEmail">
<input type="hidden" value="501501501" name="customerPhone">
<input type="hidden" value="https://your-shop.com/success" name="urlSuccess">
<input type="hidden" value="https://your-shop.com/failure" name="urlFailure">
<input type="hidden" value="https://your-shop.com/return" name="urlReturn">
<input type="hidden" value="<?= $cart ?>" name="cart">