tbi bank Installments for OpenCart 2.3, 3.x and 4.x — pay in instalments in Romania, Bulgaria and Greece

tbi bank Installments is a payment module for OpenCart 4.x, 3.x and 2.3 that adds tbi bank instalments in Romania, Bulgaria and Greece. The buyer picks instalments at checkout and fills in the application on the tbi page; the bank decides and sends the decision to the shop. The module changes the order status by itself: approved, refused or cancelled.

You need a merchant agreement with tbi bank: tbi Merchant Solutions issues the reseller code, reseller key and encryption key. The module shows the address where tbi sends its decisions in the settings: give it to your tbi manager when you connect.

What the buyer sees

At the payment step the buyer sees the “Pay in installments with tbi bank” method with a short note that the application takes a few minutes and needs no card. After confirming the order they go to the tbi page and fill in the application.

If tbi refuses or the buyer cancels the application, they see “Installments with tbi bank” with an explanation and a “Pay another way” button: the items go back to the cart and they can pay another way. In Pro the product page shows the monthly payment with tbi under the price.

What the admin gets

In the settings you pick the country, the test or live platform, enter the reseller code, reseller key and encryption key, and the “Check connection” button asks tbi for your merchant settings. The same screen sets the statuses for “application sent”, approval, refusal and cancellation, amount limits, the geo zone and the texts per language.

The order page has a tbi tab with the application number and state. The order history gets one line per bank decision. In Pro a journal lists every application with a state filter.

How it works, step by step

1. Enter your tbi access data and check the connection.
2. Give your tbi manager the decision address from the settings.
3. The buyer picks instalments at checkout and goes to the tbi page.
4. The module sends the application with the items and the order total.
5. tbi decides and sends the decision to the shop.
6. The module decrypts the decision, checks the signature and changes the order status.

Under the hood

• The application is encrypted with AES-256 and the merchant key, the same way as in the bank’s own plugin.
• A tbi decision is decrypted with the shop key, and the HMAC signature is checked when tbi sends one.
• An unknown tbi status is never treated as payment.
• The application lines always add up to the order total, shipping and coupon included.
• The buyer coming back from the tbi page does not change the order: only the bank decides.
• The buyer’s name, e-mail and phone are never written to the log.

How to install

1. Extensions → Installer: upload the archive for your version and keep the file name.
2. OpenCart 2.3: the Installer copies files only with FTP enabled. Without FTP copy the contents of upload/ to the shop root by hand.
3. OpenCart 2.3 and 3.x: Extensions → Modifications → Refresh.
4. Extensions → Payments → tbi bank Installments → install button → Edit.
5. Extensions → Payments → tbi bank Installments: pick the country and the test platform.
6. Enter the reseller code, reseller key and encryption key, press “Check connection”.
7. Give your tbi manager the decision address and make a test application.
8. For Pro: paste the key or start the 7-day trial.