---
url: "https://docs.portone.cloud/docs/kredivo"
title: "Kredivo"
---
### Introduction [Skip link to Introduction](https://docs.portone.cloud/docs/kredivo\#introduction)
Kredivo gives customers instant credit financing for ecommerce purchases and personal loans based on real-time decisioning.
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### Supported Countries [Skip link to Supported Countries](https://docs.portone.cloud/docs/kredivo\#supported-countries)
- Vietnam 🇻🇳
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### Available Payment Methods [Skip link to Available Payment Methods](https://docs.portone.cloud/docs/kredivo\#available-payment-methods)
| Payment Type | Payment Method Key | Currency | Status | Sandbox Availability |
| --- | --- | --- | --- | --- |
| BNPL | `KREDIVO_BNPL` | VND | ✅ | ✅ |
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### Miscellaneous Details [Skip link to Miscellaneous Details](https://docs.portone.cloud/docs/kredivo\#miscellaneous-details)
##### Vietnam [Skip link to Vietnam](https://docs.portone.cloud/docs/kredivo\#vietnam)
- Refunds can be initialized from the merchant portal, Partial refunds are not supported for VND currency
- In Order details following fields are mandatory:
- Id
- Name
- Quantity
- Price
- Additional Details - Type
- Additional Details - URL
- In Billing details following fields are mandatory:
- Billing Name
- Billing Email
- Billing Phone
- In Shipping details following fields are mandatory:
- Shipping Name
- Shipping Phone
- Shipping Address - Line 1
- Shipping Address - Line 2
- Shipping Address - City
- Shipping Address - State
- Shipping Address - Country Name
- Shipping Address - Postal Code
- Shipping Address - Country Code
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### Sandbox [Skip link to Sandbox](https://docs.portone.cloud/docs/kredivo\#sandbox)
#### Use following values in embedded JS code to pay via Kredivo channel [Skip link to Use following values in embedded JS code to pay via Kredivo channel](https://docs.portone.cloud/docs/kredivo\#use-following-values-in-embedded-js-code-to-pay-via-kredivo-channel)
JavaScript
```rdmd-code lang-javascript theme-light
"pmt_channel": "KREDIVO",
"pmt_method": { Any of above given payment method keys },
```
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#### Credentials [Skip link to Credentials](https://docs.portone.cloud/docs/kredivo\#credentials)
| country | serverKey |
| --- | --- |
| Vietnam | cHAi\_sAnDbOX |
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#### Test user data for Kredivo BNPL payment method [Skip link to Test user data for Kredivo BNPL payment method](https://docs.portone.cloud/docs/kredivo\#test-user-data-for-kredivo-bnpl-payment-method)
| Country | Number | PIN | Limit | OTP |
| --- | --- | --- | --- | --- |
| Vietnam | +84-900000000 | 447462 | Unlimited Credit | 4567 |
| Vietnam | +84-900000001 | 447462 | 5 million VND | 4567 |
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#### Sample payload for initiatePayment [Skip link to Sample payload for initiatePayment](https://docs.portone.cloud/docs/kredivo\#sample-payload-for-initiatepayment)
JavaScript
```rdmd-code lang-javascript theme-light
{
"key": { portone_key},
"merchant_order_id": { merchant_order_id },
"amount":100000,
"currency": "VND",
"signature_hash": { signature_hash },
"order_details": [{\
"id": "1",\
"name": "item1",\
"quantity": 1,\
"price": 100000,\
"additional_details":{\
"type":"item-type",\
"url":"item-url"\
}\
}],
"billing_details": {
"billing_name": "First Middle Last",
"billing_email": "test@portone.com",
"billing_phone": "+8959893980"
},
"shipping_details": {
"shipping_name": "First Middle Last",
"shipping_phone": "8959893980",
"shipping_address": {
"line_1": "Line 1",
"line_2":"Line 2",
"city": "City",
"postal_code": "400202",
"state": "State"
"country_code": "VN",
"country_name":"Vietnam"
}
},
"success_url": "https://dev-checkout.portone.cloud/success.html",
"failure_url": "https://dev-checkout.portone.cloud/failure.html",
"pmt_channel": "KREDIVO",
"pmt_method": { Any of above given payment method keys },
"description": "Payment for the order #42140324",
"environment":"sandbox"
}
```
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#### Sample payload for paymentLink [Skip link to Sample payload for paymentLink](https://docs.portone.cloud/docs/kredivo\#sample-payload-for-paymentlink)
JavaScript
```rdmd-code lang-javascript theme-light
{
"portone_key": {portone_key},
"merchant_details": {
"name": "Test Company",
"back_url": "https://dev-admin.portone.io",
"promo_code": "NA",
"promo_discount": 0,
"shipping_charges": 0
},
"signature_hash": {signature_hash},
"amount": 100000,
"currency": "VND",
"country_code": "VN",
"merchant_order_id": {merchant_order_id},
"order_details": [{\
"id": "1",\
"name": "item1",\
"quantity": 1,\
"price": 100000,\
"additional_details":{\
"type":"item-type",\
"url":"item-url"\
}\
}],
"billing_details": {
"billing_name": "First Middle Last",
"billing_email": "test@portone.com",
"billing_phone": "+8959893980"
},
"shipping_details": {
"shipping_name": "First Middle Last",
"shipping_phone": "8959893980",
"shipping_address": {
"line_1": "Line 1",
"line_2":"Line 2",
"city": "City",
"postal_code": "400202",
"state": "State",
"country_code": "VN",
"country_name":"Vietnam"
}
},
"success_url": "https://dev-checkout.portone.cloud/success.html",
"failure_url": "https://dev-checkout.portone.cloud/failure.html",
"expiry_hours": 48,
"source": "api",
"description": "Payment for the order #42140324",
"show_shipping_details": false,
"show_back_button": false,
"default_guest_checkout": true,
"is_checkout_embed": false,
"environment": "sandbox"
}
```
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### Reference links [Skip link to Reference links](https://docs.portone.cloud/docs/kredivo\#reference-links)
- [Kredivo Vietnam Integration guide](https://doc-vn.kredivo.com/#getting-started)
