Younited Pay for OpenCart — pay in installments for France

Younited Pay for OpenCart 4.x, 3.x and 2.3 adds a payment method “Payer en plusieurs fois avec Younited Pay” to checkout: the buyer picks one of the plans Younited offers for the amount of the order (a split into 2 to 4 payments, a credit over several months) and applies on the secure Younited page. The module works with your own Younited merchant account, without a middleman. The module interface is in French and English.

What you need from Younited. A merchant contract with Younited and the data from the Younited Pay portal: the Client ID, the Client secret and the Shop code. The terms, the limits and the cost for the buyer are set by Younited. The module works in euros: the store must have the EUR currency.

What the buyer sees

At checkout the buyer picks “Payer en plusieurs fois avec Younited Pay”. Under the method the plans Younited returned for the amount of this very order are shown, for example “3 fois”, “4 fois” or “10 mensualités”: the installment, “Montant total dû”, the cost and the APR (TAEG) of each plan. These figures come from Younited, the module does not calculate them. Below them stands a reminder that a credit is a commitment and the buyer should consider their ability to repay. After “Continuer vers Younited Pay” the buyer lands on the Younited page, applies and comes back to the shop. If the buyer cancels or Younited does not accept the application, a clear page with a “Payer autrement” button is shown and the products go back to the cart, options included. If the answer from Younited has not arrived yet, the order is confirmed as soon as the notification comes.

What the admin gets

Extensions → Extensions → Payments → Younited Pay by CatCode: the tabs “Général”, “Commande”, “Statuts de commande”, “Notifications” and “Pro”. On “Général” you enter the Client ID, the Client secret and the Shop code and choose sandbox or production. The Client secret is stored encrypted and is never shown again. The “Vérifier la connexion” button gets a token, lists the shops of your account and says whether your Shop code is one of them.

The “Commande” tab sets the method name and text for every language, the minimum and maximum order total in euros, the geo zone and the sort order, and the moment the order is placed: when the buyer goes to Younited (with a status of your choice) or only after the application is approved. The plans the buyer sees come from the Younited offer for the amount; in the settings you can keep only the payment counts you want.

Order statuses follow the Younited notifications: approved, accepted, executed, failed, cancelled, fully refunded. The notifications are signed (HMAC-SHA256 with the key from the “Notifications” tab), and in any case the module first reads the payment at Younited and only then changes the order; the history gets one line per change. If the executed amount differs from the order total, the order is not marked paid but flagged for review. The notification address travels with every payment, so it does not have to be entered in the portal. The “Envoyer une notification de test” button asks Younited to call the shop and shows the answer; the last notification is shown on the settings page.

In the free version an accepted credit is executed right away, so the money moves without anyone clicking; a split into several payments is executed by Younited itself. Pro gives a choice: execute the credit only when the order gets the statuses you choose (for example “Expédiée”), plus the “Exécuter”, “Annuler le paiement” and “Rembourser” (full or partial refund) buttons on the order page. A separate status goes to fully refunded orders, and the payment at Younited can be cancelled on chosen order statuses.

The installment line (Pro) on the product page and in the cart: “ou 10 fois …” with the total due and the APR Younited returns for your contract (cached for 6 hours). The payment journal with a filter by state and dates, totals “executed/refunded” and a CSV export. An hourly check of payments with no news works with the OpenCart 4 scheduler or with a cron URL on the host for 3.x and 2.3. Also set: excluded products and categories and a Shop code per store of a multistore.

How it works, step by step

1. Install the archive for your OpenCart version and switch the module on.
2. In the Younited Pay portal take the Client ID, the Client secret and the Shop code of your shop.
3. Enter them in the module settings, choose sandbox or production and press “Vérifier la connexion”.
4. The buyer picks “Payer en plusieurs fois avec Younited Pay”, chooses a plan and goes to the Younited page.
5. Younited approves the application; the module reads the payment at Younited, sets the order status and executes an accepted credit by itself.
6. With Pro you switch on execution on a status, refunds from the order, the installment line on products and the payment journal.

Under the hood

• Younited Pay API 2026-02-01: an OAuth2 token, the plan offer (payments/options), creating a payment, reading it, execute, cancel and refund; the payment carries the products, delivery, discounts, contacts and addresses of the buyer.
• Younited notifications are signed with HMAC-SHA256; the signature is calculated with the key from the portal. Every notification is only a reason to read the payment again: the order status is set from the API answer.
• The Client secret and the notification key are stored encrypted; the module log holds no name, e-mail, phone or address of the buyer.
• Amounts are sent and refunded in euros, as decimals; the cost, the APR and the total due of a plan belong to Younited.
• The credit reminder under the plans is shown to the buyer together with the plan data; its text is standard and is not a substitute for legal advice.
• The module does not change the core and works through OpenCart events; updating keeps the settings, the secrets, the licence and the payments.
• Not included: the contract with Younited and access to its portal; the MANUAL mode for split (such a payment is executed by the “Exécuter” button in Pro).
• Interface: français and English.

How to install

1. Extensions → Installer: upload the archive for your version without renaming it (OpenCart 4: cc_younited.ocmod.zip, 3.x: cc_younited-oc3.ocmod.zip, 2.3: cc_younited-oc2.ocmod.zip).
2. For 3.x and 2.3: Extensions → Modifications → Refresh.
3. Extensions → Payments → Younited Pay by CatCode: install and open the settings.
4. Enter the Client ID, the Client secret and the Shop code, choose the environment, press “Vérifier la connexion”.
5. Paste the notification key from the Younited portal on the “Notifications” tab.
6. For Pro: paste the key or start the trial on the Pro tab.