Defining the steps of the payment process - As seen by the buyer
Payment process from the buyer's point of view :
- The buyer validates the shopping cart.
- The merchant website redirects the buyer to the payment gateway.
This redirection is done via an HTML POST form in HTTPS.
The parameters of the form are described in the chapter Generating a payment form.
- 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: a single payment method is specified in the payment form (by credit card only, for example).
In this step, the platform directly displays the Payment method data entry page (step 5).
- Journey 2: several payment methods are offered in the payment form (credit card and other payment methods available in the store).
The platform then displays the payment method selection page. Example:
Figure 1. Selecting a payment method
CB, Visa and Mastercard are grouped together under a single logo.
This feature allows the buyer to go directly to the card data entry page if the merchant has only one CB contract.
If, in addition to the CB contract, the merchant has several other payment methods, then CB, e-Carte bleue, Visa, Visa Electron, Mastercard and Maestro are grouped together under a single logo when the payment page is displayed.
- Journey 1: a single payment method is specified in the payment form (by credit card only, for example).
- The buyer selects his payment method if the platform displays rjourney 2.
- 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 When paying with a CB co-badged Visa or Mastercard card, the payment platform automatically detects the brand(s) associated with the card number entered.
If several brands are available, a drop-down list appears to the right of the entry field. The logo chosen by the merchant appears first on the list.
If only one brand is available, the logo appears automatically.
If you need help, you can click the ? icon to the right of the entry field.
- The buyer click on Validate..
- If the merchant and the buyer’s card are enrolled in the 3D Secure program, the payment will be authenticated with 3D Secure.
- The platform requests authorization from the buyer's bank, the issuer, in addition to the payment platform's internal fraud checks.
- If successful, the platform presents the buyer with a summary page summarizing the transaction information.
The logo of the brand selected by the buyer appears on the receipt.
A button allowing to return to the shop is presented.
In the event of failure, the platform informs the buyer and displays a button to cancel and return to the shop.
If you have configured a number of additional attempts that is higher than 0 in your Merchant Back Office, the buyer has the opportunity to make another attempt to finalize their payment. If he or she accepts, the payment process resumes at the stage of payment method selection.
Once the additional attempts have been used, the payment is permanently rejected.