Démarrer rapidement

Cette page décrit une intégration rapide en 3 étapes.

Consultez ce lien pour avoir un guide complet : Intégration du formulaire de paiement.

Visualisez le mode de fonctionnement : Cinématique.

I. Créer le formToken

Authentifiez-vous avec les clés d'API REST (Plus d'infos : Etape 2 : S'authentifier).
Utilisez le Web Service Charge/CreatePayment avec les données du paiement (montant, devise, numéro de commande, coordonnées de l'acheteur, etc.).

Exemple de requête

Alipay +

Alma (paiement en plusieurs fois)

Apple Pay

Bizum

Cofidis

FLOA

Franfinance

Google Pay

MB Referência

MB Way

Payconiq

PayPal

Samsung Pay

UPI

Virement SEPA

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "AKULAKU_ID",
    "AKULAKU_PH",
    "ALIPAY_CN",
    "ALIPAY_HK",
    "BILLEASE",
    "BOOST",
    "BPI",
    "DANA",
    "GCASH",
    "KAKAOPAY",
    "KREDIVO_ID",
    "MAYA",
    "MPAY",
    "RABBIT_LINE_PAY",
    "TNG",
    "TOSS",
    "TRUEMONEY",
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "ALMA_2X",
    "ALMA_3X", 
    "ALMA_4X", 
    "ALMA_10X", 
    "ALMA_12X", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "APPLE_PAY", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "BIZUM", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234",
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "COFIDIS_3X_FR",
  "COFIDIS_4X_FR",
  "COFIDIS_LOAN_FR",
  "COFIDIS_LOAN_CB",
  "COFIDIS_PAY_FR",
  "COFIDIS_DFPAY_FR",
  "COFIDIS_4X_ES",
  "COFIDIS_LOAN_ES",
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "FLOA_3X",
  "FLOA_4X",
  "FLOA_10X",
  "FLOA_PAYLATER",
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "FRANFINANCE_3X",
  "FRANFINANCE_4X",
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "GOOGLEPAY", 
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "MULTIBANCO", 
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "MB_WAY", 
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234",
  "paymentMethods": [
    "PAYCONIQ", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "PAYPAL", 
    "PAYPAL_BNPL",
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "SAMSUNG_PAY", 
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "UPI", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234",
}

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
  "amount": 10000,
  "currency": "EUR",
  "paymentMethods": [
    "IP_WIRE", 
    "CARDS"
  ],
  "customer": {
    "email": "sample@example.com"
  },
  "orderId": "myOrderId-1234"
}

<!-- <pre data-language="json" data-market="es-PE">&#010;{&#010;    &quot;amount&quot;: 200050,&#010;    &quot;currency&quot;: &quot;PEN&quot;,&#010;    &quot;orderId&quot;: &quot;myOrderId-999999&quot;,    &#010;    &quot;channelOptions&quot;: {&#010;      &quot;channelType&quot;: &quot;MAIL&quot;,&#010;      &quot;mailOptions&quot;: {&#010;        &quot;recipient&quot;: &quot;sample@example.com&quot;&#010;      }&#010;    },&#010;    &quot;paymentReceiptEmail&quot;: &quot;sample@example.com&quot;,&#010;    &quot;expirationDate&quot;: &quot;2020-04-20T20:13:26+02:00&quot;,&#010;    &quot;locale&quot;: &quot;es_PE&quot;,&#010;    &quot;dataCollectionForm&quot;: &quot;false&quot;&#010;}&#010;</pre>

{
    "amount": 200050,
    "currency": "ARS",
    "orderId": "myOrderId-999999",    
    "channelOptions": {
      "channelType": "MAIL",
      "mailOptions": {
        "recipient": "sample@example.com"
      }
    },
    "paymentReceiptEmail": "sample@example.com",
    "expirationDate": "2020-04-20T20:13:26+02:00",
    "locale": "es_AR",
    "dataCollectionForm": "false"
}

{
    "amount": 200050,
    "currency": "COP",
    "orderId": "myOrderId-999999",   
    "channelOptions": {
      "channelType": "MAIL",
      "mailOptions": {
        "recipient": "sample@example.com"
      }
    },
    "paymentReceiptEmail": "sample@example.com",
    "expirationDate": "2020-04-20T20:13:26+02:00",
    "locale": "es_CO",
    "dataCollectionForm": "false"
}

{
    "amount": 200050,
    "currency": "BRL",
    "orderId": "myOrderId-999999",   
    "channelOptions": {
      "channelType": "MAIL",
      "mailOptions": {
        "recipient": "sample@example.com"
      }
    },
    "paymentReceiptEmail": "sample@example.com",
    "expirationDate": "2020-04-20T20:13:26+02:00",
    "locale": "pt_BR",
    "dataCollectionForm": "false"
}

-->

/**
 * I initialize the PHP SDK
 */
require_once __DIR__ . '/vendor/autoload.php';
require_once __DIR__ . '/keys.php';
require_once __DIR__ . '/helpers.php';

/** 
 * Initialize the SDK 
 * see keys.php
 */
$client = new Lyra\Client();

/**
 * I create a formToken
 */
$store = array("amount" => 250, 
"currency" => "EUR", 
"orderId" => uniqid("MyOrderId"),
"customer" => array(
  "email" => "sample@example.com"
));
$response = $client->post("V4/Charge/CreatePayment", $store);

/* I check if there are some errors */
if ($response['status'] != 'SUCCESS') {
    /* an error occurs, I throw an exception */
    display_error($response);
    $error = $response['answer'];
    throw new Exception("error " . $error['errorCode'] . ": " . $error['errorMessage'] );
}

/* everything is fine, I extract the formToken */
$formToken = $response["answer"]["formToken"];

?>

/**
 * I initialize the PHP SDK
 */
require_once __DIR__ . '/vendor/autoload.php';
require_once __DIR__ . '/keys.php';
require_once __DIR__ . '/helpers.php';

/** 
 * Initialize the SDK 
 * see keys.php
 */
$client = new Lyra\Client();

/**
 * I create a formToken
 */
$store = array("amount" => 250, 
"currency" => "EUR", 
"orderId" => uniqid("MyOrderId"),
"customer" => array(
  "email" => "sample@example.com"
));
$response = $client->post("V4/Charge/CreatePayment", $store);

/* I check if there are some errors */
if ($response['status'] != 'SUCCESS') {
    /* an error occurs, I throw an exception */
    display_error($response);
    $error = $response['answer'];
    throw new Exception("error " . $error['errorCode'] . ": " . $error['errorMessage'] );
}

/* everything is fine, I extract the formToken */
$formToken = $response["answer"]["formToken"];

?>

/fr-FR/rest/V4.0/api/kb/authentication.html

https://api.lyra.com/api-payment/V4/Charge/CreatePayment

{
"amount": 10000,
"currency": "EUR",
"paymentMethods": [
  "WECHAT", 
  "CARDS"
],
"customer": {
  "email": "sample@example.com"
},
"orderId": "myOrderId-1234"
}

Si vous n'utilisez pas le champ paymentMethods alors TOUS les moyens de paiement éligibles (devises, contraintes techniques,etc) associés à la boutique sont proposés (voir : Sélectionner les moyens de paiement).

La description et l'intégralité des champs sont disponibles depuis notre playground (menu à gauche) : Charge/CreatePayment.

Récupérez le formToken (champ answer.formtoken) pour afficher le formulaire de paiement.

{
    "status": "SUCCESS",
    "_type": "V4/WebService/Response",
    "webService": "Charge/CreatePayment",
    "applicationProvider": "LYRA",
    "version": "V4",
    "applicationVersion": "4.1.0",
    "answer": {
        "formToken": "DEMO-TOKEN-TO-BE-REPLACED",
        "_type": "V4/Charge/PaymentForm"
    }
}

II. Afficher le formulaire

Une fois le formToken généré :

Dans le HEAD,

A. chargez notre librairie JavaScript : src="https://static.lyra.com/static/js/krypton-client/V4.0/stable/kr-payment-form.min.js"
B. intégrez obligatoirement la clé publique dans le paramètre kr-public-key(3 ème clé du tableau des clés API REST ).
C. intégrez d'autres paramètres d'initialisation, comme le paramètre kr-post-url-success en cas de paiement accepté.
D. choisissez un thème (plus d'infos sur Thèmes).

Exemple de code pour la boutique de TEST

<!DOCTYPE html>
<html>
<head>
<meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=no" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
<meta http-equiv="X-UA-Compatible" content="IE=edge" />

<!--
A. load the JS librairy
B. add the kr-public-key
C. add parameters as kr-post-url-success (optionnal)
-->
<script type="text/javascript"
  src="https://static.lyra.com/static/js/krypton-client/V4.0/stable/kr-payment-form.min.js"
  kr-public-key="69876357:testpublickey_DEMOPUBLICKEY95me92597fd28tGD4r5"
  kr-post-url-success="[SUCCESS PAYMENT URL]";>
</script>

<!-- 
D. add a theme néon should be loaded in the HEAD section 
-->
<link rel="stylesheet" href="https://static.lyra.com/static/js/krypton-client/V4.0/ext/neon-reset.min.css">
<script type="text/javascript" src="https://static.lyra.com/static/js/krypton-client/V4.0/ext/neon.js">
</script>
</head>
(...)
</html>

Dans le BODY,

Valorisez le formToken dans l'attribut kr-form-token (Voir : I. Créer le formToken)

Choisissez le mode d'affichage :

Mode liste (par défaut)

<body> <div class="kr-smart-form" kr-form-token="[GENERATED FORMTOKEN]"></div> (...) </body>
Plus d'infos : Mode liste avec carte embarquée

Mode Popin

<body> <div class="kr-smart-form" kr-popin kr-form-token="[GENERATED FORMTOKEN]"></div> (...) </body>
Plus d'infos : Mode pop-in

Mode liste avec carte embarquée

<body> <div class="kr-smart-form" kr-card-form-expanded kr-form-token="[GENERATED FORMTOKEN]"></div> (...) </body>
Plus d'infos : Mode liste avec carte embarquée

Exemple de code complet pour la boutique de TEST

Mode liste avec carte embarquée

<!DOCTYPE html>
<html>
<head>
<meta name="viewport" content="width=device-width, initial-scale=1.0, maximum-scale=1.0, user-scalable=no" />
<meta http-equiv="Content-Type" content="text/html; charset=UTF-8" />
<meta http-equiv="X-UA-Compatible" content="IE=edge" />

<!-- STEP :
1 : load the JS librairy
2 : required public key and the JS parameters as url sucess -->

<script type="text/javascript"
  src="https://static.lyra.com/static/js/krypton-client/V4.0/stable/kr-payment-form.min.js"
  kr-public-key="69876357:testpublickey_DEMOPUBLICKEY95me92597fd28tGD4r5"
  kr-post-url-success="[SUCCESS PAYMENT URL]";>
</script>

<!-- 3 : theme néon should be loaded in the HEAD section   -->
<link rel="stylesheet" href="https://static.lyra.com/static/js/krypton-client/V4.0/ext/neon-reset.min.css">
<script type="text/javascript" src="https://static.lyra.com/static/js/krypton-client/V4.0/ext/neon.js">
</script>
</head>

<body>

<!-- 4 : display the form payment -->
<div class="kr-smart-form" kr-card-form-expanded kr-form-token="[GENERATED FORMTOKEN]">

</div>
</body>
</html>

Vous avez également le choix :

III. Analyser le résultat du paiement

Analysez le résultat du paiement depuis l'IPN ou lors du retour à la boutique.

À la fin du paiement, vous pouvez analyser le résultat du paiement depuis :

la notification de paiement instanée : IPN : Analyse de l'IPN (URL de notification).
la réponse envoyée au navigateur : Analyse du résultat du paiement via le retour à la boutique.

Un mécanisme de sécurité vérifie l'authenticité des informations envoyées, avec le kr-hash.

Dans l'objet PAYMENT, un exemple de kr-answer :

{
  "shopId": "69876357",
  "orderCycle": "CLOSED",
  "orderStatus": "PAID",
  "serverDate": "2022-01-21T09:28:17+00:00",
  "orderDetails": {
    "orderTotalAmount": 990,
    "orderEffectiveAmount": 990,
    "orderCurrency": "EUR",
    "mode": "TEST",
    "orderId": "myOrderId-475882",
    "metadata": null,
    "_type": "V4/OrderDetails"
  },
  "customer": {
    "billingDetails": {
      "address": null,
      "category": null,
      "cellPhoneNumber": null,
      "city": null,
      "country": null,
      "district": null,
      "firstName": null,
      "identityCode": null,
      "language": "FR",
      "lastName": null,
      "phoneNumber": null,
      "state": null,
      "streetNumber": null,
      "title": null,
      "zipCode": null,
      "legalName": null,
      "_type": "V4/Customer/BillingDetails"
    },
    "email": "sample@example.com",
    "reference": null,
    "shippingDetails": {
      "address": null,
      "address2": null,
      "category": null,
      "city": null,
      "country": null,
      "deliveryCompanyName": null,
      "district": null,
      "firstName": null,
      "identityCode": null,
      "lastName": null,
      "legalName": null,
      "phoneNumber": null,
      "shippingMethod": null,
      "shippingSpeed": null,
      "state": null,
      "streetNumber": null,
      "zipCode": null,
      "_type": "V4/Customer/ShippingDetails"
    },
    "extraDetails": {
      "browserAccept": null,
      "fingerPrintId": null,
      "ipAddress": "185.244.73.2",
      "browserUserAgent": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/97.0.4692.71 Safari/537.36",
      "_type": "V4/Customer/ExtraDetails"
    },
    "shoppingCart": {
      "insuranceAmount": null,
      "shippingAmount": null,
      "taxAmount": null,
      "cartItemInfo": null,
      "_type": "V4/Customer/ShoppingCart"
    },
    "_type": "V4/Customer/Customer"
  },
  "transactions": [
    {
      "shopId": "69876357",
      "uuid": "1c8356b0e24442b2acc579cf1ae4d814",
      "amount": 990,
      "currency": "EUR",
      "paymentMethodType": "CARD",
      "paymentMethodToken": null,
      "status": "PAID",
      "detailedStatus": "AUTHORISED",
      "operationType": "DEBIT",
      "effectiveStrongAuthentication": "ENABLED",
      "creationDate": "2022-01-21T09:28:16+00:00",
      "errorCode": null,
      "errorMessage": null,
      "detailedErrorCode": null,
      "detailedErrorMessage": null,
      "metadata": null,
      "transactionDetails": {
        "liabilityShift": "YES",
        "effectiveAmount": 990,
        "effectiveCurrency": "EUR",
        "creationContext": "CHARGE",
        "cardDetails": {
          "paymentSource": "EC",
          "manualValidation": "NO",
          "expectedCaptureDate": "2022-01-27T09:38:10+00:00",
          "effectiveBrand": "VISA",
          "pan": "497011XXXXXX1003",
          "expiryMonth": 12,
          "expiryYear": 2025,
          "country": "FR",
          "issuerCode": 17807,
          "issuerName": "Banque Populaire Occitane",
          "effectiveProductCode": null,
          "legacyTransId": "929936",
          "legacyTransDate": "2022-01-21T09:28:16+00:00",
          "paymentMethodSource": "NEW",
          "authorizationResponse": {
            "amount": 990,
            "currency": "EUR",
            "authorizationDate": "2022-01-21T09:28:16+00:00",
            "authorizationNumber": "3fe205",
            "authorizationResult": "0",
            "authorizationMode": "FULL",
            "_type": "V4/PaymentMethod/Details/Cards/CardAuthorizationResponse"
          },
          "captureResponse": {
            "refundAmount": null,
            "refundCurrency": null,
            "captureDate": null,
            "captureFileNumber": null,
            "effectiveRefundAmount": null,
            "effectiveRefundCurrency": null,
            "_type": "V4/PaymentMethod/Details/Cards/CardCaptureResponse"
          },
          "threeDSResponse": {
            "authenticationResultData": {
              "transactionCondition": null,
              "enrolled": null,
              "status": null,
              "eci": null,
              "xid": null,
              "cavvAlgorithm": null,
              "cavv": null,
              "signValid": null,
              "brand": null,
              "_type": "V4/PaymentMethod/Details/Cards/CardAuthenticationResponse"
            },
            "_type": "V4/PaymentMethod/Details/Cards/ThreeDSResponse"
          },
          "authenticationResponse": {
            "id": "30eaa40d-dd76-4617-b527-4bed6240b81c",
            "operationSessionId": "ae6f2ad3ffea41bb8faf1aefabad87b9",
            "protocol": {
              "name": "THREEDS",
              "version": "2.1.0",
              "network": "VISA",
              "challengePreference": "NO_PREFERENCE",
              "simulation": true,
              "_type": "V4/Charge/Authenticate/Protocol"
            },
            "value": {
              "authenticationType": "CHALLENGE",
              "authenticationId": {
                "authenticationIdType": "dsTransId",
                "value": "bafdb21f-e3d6-4d1c-b4f6-d1668b7f7f21",
                "_type": "V4/Charge/Authenticate/AuthenticationId"
              },
              "authenticationValue": {
                "authenticationValueType": "CAVV",
                "value": "BqLgDBHYRaCBpip3Fn3+erKT9vg=",
                "_type": "V4/Charge/Authenticate/AuthenticationValue"
              },
              "status": "SUCCESS",
              "commerceIndicator": "05",
              "extension": {
                "authenticationType": "THREEDS_V2",
                "threeDSServerTransID": "30eaa40d-dd76-4617-b527-4bed6240b81c",
                "dsTransID": "bafdb21f-e3d6-4d1c-b4f6-d1668b7f7f21",
                "acsTransID": "bd6e58b4-6f37-4993-b428-9096766d83a6",
                "_type": "V4/Charge/Authenticate/AuthenticationResultExtensionThreedsV2"
              },
              "reason": {
                "_type": "V4/Charge/Authenticate/AuthenticationResultReason"
              },
              "_type": "V4/Charge/Authenticate/AuthenticationResult"
            },
            "_type": "V4/AuthenticationResponseData"
          },
          "installmentNumber": null,
          "installmentCode": null,
          "markAuthorizationResponse": {
            "amount": null,
            "currency": null,
            "authorizationDate": null,
            "authorizationNumber": null,
            "authorizationResult": null,
            "_type": "V4/PaymentMethod/Details/Cards/MarkAuthorizationResponse"
          },
          "cardHolderName": null,
          "identityDocumentNumber": null,
          "identityDocumentType": null,
          "_type": "V4/PaymentMethod/Details/CardDetails"
        },
        "fraudManagement": {
          "_type": "V4/PaymentMethod/Details/FraudManagement"
        },
        "subscriptionDetails": {
          "subscriptionId": null,
          "_type": "V4/PaymentMethod/Details/SubscriptionDetails"
        },
        "parentTransactionUuid": null,
        "mid": "9999999",
        "sequenceNumber": 1,
        "taxAmount": null,
        "preTaxAmount": null,
        "taxRate": null,
        "externalTransactionId": null,
        "nsu": null,
        "tid": "001",
        "acquirerNetwork": "CB",
        "taxRefundAmount": null,
        "userInfo": "JS Client",
        "paymentMethodTokenPreviouslyRegistered": null,
        "occurrenceType": "UNITAIRE",
        "_type": "V4/TransactionDetails"
      },
      "_type": "V4/PaymentTransaction"
    }
  ],
  "subMerchantDetails": null,
  "_type": "V4/Payment"
}

Pour avoir plus de détails, Etape 5 : Analyser le résultat du paiement.

Catégories

Tags

Démarrer rapidement

I. Créer le formToken

Exemple de requête

II. Afficher le formulaire

Exemple de code pour la boutique de TEST

Exemple de code complet pour la boutique de TEST

Mode liste avec carte embarquée

III. Analyser le résultat du paiement