Alma & Alfy Integration

Alma provides buy-now-pay-later installment payments. Alfy offers insurance-backed payment plans. Both are integrated through dedicated API clients.

Components

Component	File	Role
AlmaApi	src/CoreBundle/Api/AlmaApi.php	Alma API client
AlfyApi / AlfyApiInterface	src/CoreBundle/Api/AlfyApi.php	Alfy API client (with interface)

Configuration

Required parameters in parameters.yml:

alma:
  api_url: "https://..."
  api_key: "..."

alfy:
  api_url: "https://..."
  api_key: "..."

Alma -- BNPL Flow

Alma works similarly to Klarna and Scalapay: the customer selects installment payment at checkout, the provider approves the plan, and Logidav receives confirmation to proceed with fulfillment.

Alfy -- Insurance-Backed Payments

Alfy adds an insurance layer to payments, providing coverage for the transaction:

:::info Interface pattern AlfyApi implements AlfyApiInterface, which allows for easier testing and potential alternative implementations. This is one of the few payment integrations that uses an explicit interface. :::

Error Handling

Scenario	Behavior
Alma plan rejected	Customer offered alternative payment methods
Alfy insurance denied	Fallback to standard payment flow
API timeout	Retry with backoff
Settlement discrepancy	Alert raised for manual reconciliation