How it works - Online Payments

This section illustrates how our Cashflows Gateway processes a payment when a shopper pays for their purchase. This all happens in about one second.

The first diagram shows the high-level payment flow in terms of a shopping experience. The diagram that follows shows more detail with API calls that you’ll be using to integrate your website with our gateway.

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  1. A shopper starts the checkout process on your website when they choose to pay.

  2. The shopper securely enters their card details.

  3. Your website sends a payment request to our online payment servers to initiate the transaction. The request includes the card details.

  4. We receive the request with the card details.

  5. We check whether it’s MOTO payment.

    a. If it is a MOTO payment, we process the payment. If it isn’t, we check whether the card is enrolled for 3-D Secure checks.

    b. If the card is enrolled for 3-D Secure, we send you a link to the 3-D Secure page. This is where you need to direct the shopper so that they can enter their 3-D Secure details.

    c. If the card is not enrolled for 3-D Secure, we check whether 3-D Secure is required for this card.

    d. If 3-D Secure is required, we decline the payment.

    e. If 3-D Secure is not required, we process the payment.

  6. We notify you about the change of status for the payment.

  7. You fetch the latest status so that you can update the shopper’s order and arrange delivery.

  8. We direct the shopper back to your website via a corresponding web page (successful or failed).

Tip: For security reasons, we recommend that you update an order only when you receive the payment status notification from us. A notification from our Cashflows Gateway assures you that a payment request has not been intercepted during transfer.

Here is a diagram to show the payment flow with the key API calls. This guide explains the API calls to use at each stage of the process with example code for you to use.

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