E-commerce Suisse 2025 : TWINT, PostFinance et Technologies PME

// Configuration TWINT API
const twintConfig = {
  merchant_id: process.env.TWINT_MERCHANT_ID,
  api_key: process.env.TWINT_API_KEY,
  environment: 'production', // ou 'sandbox'
  callback_url: 'https://yoursite.ch/twint/callback'
};

// Initier paiement TWINT
async function initiatePayment(amount, orderId) {
  const payment = await twint.createPayment({
    amount: amount * 100, // en centimes
    currency: 'CHF',
    order_reference: orderId,
    return_url: '/success',
    cancel_url: '/cancel'
  });
  
  return payment.qr_code_url;
}

// Configuration PostFinance
const pfConfig = {
  space_id: process.env.PF_SPACE_ID,
  user_id: process.env.PF_USER_ID,
  secret: process.env.PF_SECRET,
  base_url: 'https://checkout.postfinance.ch'
};

// Créer transaction
const transaction = {
  line_items: [{
    name: 'Produit',
    quantity: 1,
    amount_including_tax: 99.90,
    type: 'PRODUCT'
  }],
  currency: 'CHF',
  billing_address: customerAddress,
  success_url: 'https://yoursite.ch/success',
  failed_url: 'https://yoursite.ch/failed'
};

const response = await pfApi.createTransaction(transaction);