Payment-Based Checkout (fastCheckout)

Introduction

Payment-Based Checkout is a streamlined method designed to enhance the user experience by automatically populating essential customer details, such as email, delivery address, and name, during the checkout process. This approach simplifies payments by reducing manual input and leveraging pre-filled information provided by the payment method, which is then sent to your backend via the exchange call.

Payment based checkout is available for the following payment methods:

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Migrate to our Multi core platform

If you want to use Payment-Based checkout you have to migrate to our Multi core platform using the Order:Create API's and signed exchange method.

Single payment flow

How It Works

1. Checkout Initiation: On your product page or in the shopping card the payer selects the payment method that supports this flow, e.g. through a button 'Snel bestellen met iDEAL'.
2. Payment Method Selection: The payer is redirected to the hosted payment page of the payment method where (if not logged in) the payer can login.
3. Automatic Data Population:
   • Account Data: Details such as bank account and possibly personal information (e.g. delivery address) are auto-filled based on the payer’s account data.
   • Transaction Details: Payment amount and transaction reference are pre-filled by you, reducing the need for manual entry.
4. Authorization: The payer reviews the pre-filled details, and authorizes the payment.
5. Transaction Completion: The bank or payment provider processes the transaction and a status update to Pay that gets processed. At this point the payer is sent to a final screen often showing a "Successful payment" message.
6. Payment Exchange: The processed status is sent to the Exchange Url at which point the merchant can manage the data of the payment.

Depending on the status of the payment you can process and run next steps on your end.

Authorise and capture flow

Create one order with the optimize data that results in a fast checkout payment.

Authorise and capture flow

If there is a fast checkout solution with a two step flow, where you can get the customer data, fill the checkout and use the token to complete the payment.

Exchange calls with unified data

We send the additional data we receive from the paymentMethod via the exchange call based on the signed exchange format.

Use the recipe below for a step by step walkthrough of the data you receive during the exchange notification.

Order return URL

Normally our exchange calls are faster than the payer can return to your return url (the thank you page). But if you encounter issues we return the payer after the configured timeout (normally 5 seconds) to the return URL.

In this case the payment status in your platform including the checkout data might not be updated. Therefore on the return page you need to perform the following steps:

• Check if the status is PENDING in your system
• If the status is PENDING, return to the payer 'We wait for your payment'.
• If the status is DENIED or CANCELLED update your system and give the appropriate feedback to the payer
• If status is PAID, update your system and check why the exchange didn't work (in https://my.pay.nl)

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Exchange is the best way

If the status in your system is not PENDING, you do not have to perform any calls to our platform. The exchange dit a secure update in your system.