Defining the steps of the payment process - As seen by the buyer

Payment process from the buyer’s point of view:

1. The buyer validates the shopping cart.
2. The merchant website redirects the buyer to the payment gateway via a secure HTTPS HTML POST form.

   The parameters to include in this form are detailed in the chapter Generating a payment form.

3. When the parameters and their signature have been verified, presents the payment process to the buyer.

   There are two journey, depending on how you fill in the payment form:

   • Journey 1: You have specified only one payment method (e.g. bank card). The gateway directly displays the Payment method data entry page (step 5)
   • Journey 2: You have specified all the available payment methods. The gateway then displays the payment method selection page.

     Example:

     Figure 1. Selecting a payment method

   A system called unique logo includes CB, Visa and MasterCard.

   It allows the buyer to access the card data entry page directly if the merchant has only a CB contract.

   In this case, CB, e-Carte bleue, Visa, Visa Electron, MasterCard and Maestro cards are displayed with the same logo on the payment.

4. The buyer selects his payment method if the gateway displays journey 2.
5. The buyer enters the number and the expiry date of their card.

   If the card has a security (CVV) code, it must be specified.

   Figure 2. Entering payment method details
6. The buyer click on Validate.
7. If the merchant and the buyer’s card are enrolled in the 3D Secure program, the payment will be authenticated with 3D Secure.
8. The gateway runs anti-fraud checks and sends an authorization request to the buyer’s bank.
9. If the authorization is accepted, the buyer sees the transaction summary.

   A button allowing to return to the shop is presented.

Figure 3. Transaction summary

In the event of failure, the platform informs the buyer and displays a button to cancel and return to the shop.

If the additional attempts are configured in your Expert Back Office, the buyer can make another attempt. The payment process then resumes at the payment method selection.

When all attempts are exhausted, the payment is definitively declined.

Figure 4. Summary page in case of a failed transaction