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Latitude and Gem are buy now, pay later (BNPL) payment providers by Latitude Financial. Latitude operates in Australia and Gem operates in New Zealand. Both use a redirect flow where the buyer approves the payment on a hosted page. Each provider has two connector variants:
ProviderInstant SettlementDeferred Settlement
Latitude (AU)latitude-latitudelatitude-latitudeds
Gem (NZ)gem-gemgem-gemds
  • Instant Settlement - Funds are captured immediately during the transaction.
  • Deferred Settlement - Funds are authorized first and captured manually later.

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Setup

Contact the Latitude merchant support team to obtain credentials.

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Credentials

When setting up Latitude in the dashboard, configure the following credentials:
  • Merchant ID - The merchant ID obtained from the Latitude Merchant Integration Support team.
  • Merchant Secret - The merchant secret obtained from the Latitude Merchant Integration Support team.

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Features

Both connectors support the following features:
  • Partial refunds - Refund a portion of the captured amount
  • Refunds - Refund transactions in full
  • Transaction sync - Automatic synchronization of transaction status updates
The Deferred Settlement connector additionally supports:
  • Delayed capture - Authorize a payment and capture it at a later time
  • Partial capture - Capture a portion of the authorized amount
  • Void - Cancel an authorized transaction before capture

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Supported countries

Country codeProvider
AULatitude
NZGem

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Supported currencies

Currency codeProvider
AUDLatitude
NZDGem

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Limitations

The following features are not supported by this connector:
  • Over capture - Capturing more than the authorized amount is not supported
  • Partial authorization - Accepting a partial amount is not supported
  • Payment method tokenization - Storing payment methods for future use is not supported
  • Zero auth - Zero-dollar verification transactions are not supported
  • Settlement reporting - Automatic settlement reporting is not supported
Additional limitations:
  • Cart items required - Cart items must be included with every transaction.
  • Transaction refresh - Only transactions with a buyer_approval_pending status can be refreshed through the dashboard. Instant Settlement transactions update to capture_succeeded, while Deferred Settlement transactions update to authorization_succeeded.

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Required fields

Latitude requires the following buyer information with every transaction:
  • First name
  • Last name
  • Address line 1
  • City
  • Postal code
  • Country

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Integration

The default integration for Latitude uses a redirect to a hosted payments page. Start by creating a new transaction with the following required fields. Use latitude or gem as the method for Instant Settlement, or latitudeds or gemds for Deferred Settlement. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "AUD",
    Country = "AU",
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "latitude",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);
After the transaction is created, the API response includes a payment_method.approval_url and the status is set to buyer_approval_pending. The approval URL expires after 30 minutes. 
{
  "type": "transaction",
  "id": "ea1efdd0-20f9-44d9-9b0b-0a3d71e9b625",
  "payment_method": {
    "type": "payment-method",
    "approval_url": "https://cdn.gr4vy.com/connectors/..."
  },
  "method": "latitude"
}
Redirect the buyer to the approval_url (open in a browser or Webview), where they can complete the payment. Once the buyer approves, the transaction progresses to a capture_succeeded (Instant Settlement) or authorization_succeeded (Deferred Settlement) state.

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Connection options

The Latitude connector supports passing a promotion reference when creating a transaction. See the Latitude purchase request API for details. 
var transaction = await client.Transactions.CreateAsync(
  transactionCreate: new TransactionCreate()
  {
    Amount = 1299,
    Currency = "AUD",
    ConnectionOptions = new TransactionCreateConnectionOptions()
    {
      LatitudeLatitude = new ConnectionOptionsLatitudeLatitude()
      {
        PromotionReference = "2012",
      },
    },
    PaymentMethod =
      TransactionCreatePaymentMethod.CreateCheckoutSessionWithUrlPaymentMethodCreate(
        new RedirectPaymentMethodCreate()
        {
          Method = "latitude",
          RedirectUrl = "https://example.com/callback",
        }
      ),
  }
);