Payment Processing

You can use two different flowtypes, the redirect flow via a Transaction Gateway Unit (TGU) or the embedded flow via the server2server Processing. All payment methods can be processed via the redirect flow, based on the integration and security certification of the merchant / hosting third party you can bypass a redirect via the Direct Payment Processing

Redirect FLOW via TGU

Most Payment Options use the Hosted Payment Page flows. It is the easiest way of processing a transaction, You start a Payment and send the user to the paymentURL. When the user is sent back to the 'returnUrl' you can fetch the status of the Payment.

Embedded FLOW (eCom & Point of Sale)

For some Payment Methods there is also a Embedded flow, so that the Payer does not leave the checkout page. You can use the Direct Payment Processing Endpoints based on the settings of the merchant a transaction can be completed at once, or uses the Authorise & Capture flow.

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Server2Server Card Payment With Tokenisation

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Instore Payments (Card Pressent)

If the merchant has active terminals connected to their service, we can show a list to select the terminal. If there is only 1 Terminal a selection field is not allowed. You can use the redirect flow to save loading the integration or use the statusURL and POS integration to build a seamless flow.

Instore can generate Card Present Transactions via a Terminal.

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MPOS integration

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Giftcards & Voucher

For Giftcard you can use the redirect flow via the TGU or the Direct Payment Processing, but it's also possible to use the Giftcard Information API's and redeem API's to send the data of the Giftcard to PAY. If the allowed giftcard value is less than the total order amount you can send the Giftcard data in the Giftcard Block via the instore, EmbeddedCardPayment or a transaction started in Redirect flow.

Phone Pincode Check

Check a pincode, and confirm the payment.

Type	Name	Usage
PPC	Pay Per Call	To check a generated pincode on a servicenumber, for one time micropayments. We call the exchange ones on confirmation.
PPM	Pay Per minute	Check a pincode, and open a session. Close the session when the line is disconnected by the payer. On start and End we call the exchange.
PPO	Pay Per Order	Check a pincode and bind it to the created order. If the total amount that needs to be paid for this transaction is complete, the call will be disconnected. On complete we call the exchange.
PFA	Pay Free Amount	Check a pincode and keep the connection open, the duration of the call is used to top up an account or make a donation. Every 30 seconds we call the exchange with the status.