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Payment gateway provider v0 2

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H
Hunaid Husain

The document describes the online payment process for a merchant website. When a customer places an order, they are redirected from the merchant site to a payment gateway. The gateway then redirects the customer either to a credit/debit card payment page or to select a net banking option to provide payment details. The bank's payment module processes the transaction and sends a response back to the merchant site with a transaction reference and status code.

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MPPMCL (Merchant's Web site) Payment Module of Bank The Customer Places the order from Merchant's web site The site gathers information and redirects to Payment Gateway Provider. Secured redirect Info is sent using pre-defined format Redirects to a payment gateway of a Credit/Debit Managing Company (e.g. citibank) Payment Gateway sends response back to Merchant's site with the transaction reference and status code NetBanking or Credit / Debit Card NetBanking Shows a form asking for payment details like Card type (Visa/Master) Card Number, Expiry date, CVV Redirects to Bank’s specific payment module Credit / Debit Card Payment Gateway Shows the list of NetBanking Banks and ask to choose one Bank’s Payment Module sends response back to Merchant's site with the transaction reference and status code Cancel Payment Generates response based upon status code received Checks if the information provided is complete It displays a form with option of NetBanking or Credit / Debit card. This form can be customized by Merchant No Payment Gateway Provider Yes

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Payment gateway provider v0 2

  • 1. MPPMCL (Merchant's Web site) Payment Module of Bank The Customer Places the order from Merchant's web site The site gathers information and redirects to Payment Gateway Provider. Secured redirect Info is sent using pre-defined format Redirects to a payment gateway of a Credit/Debit Managing Company (e.g. citibank) Payment Gateway sends response back to Merchant's site with the transaction reference and status code NetBanking or Credit / Debit Card NetBanking Shows a form asking for payment details like Card type (Visa/Master) Card Number, Expiry date, CVV Redirects to Bank’s specific payment module Credit / Debit Card Payment Gateway Shows the list of NetBanking Banks and ask to choose one Bank’s Payment Module sends response back to Merchant's site with the transaction reference and status code Cancel Payment Generates response based upon status code received Checks if the information provided is complete It displays a form with option of NetBanking or Credit / Debit card. This form can be customized by Merchant No Payment Gateway Provider Yes