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On this page
  • 1. Overview
  • 2. Key Features
  • 2.1 Ease of Transaction
  • 2.2 Flexibility and Reach
  • 3. Transaction Process Flow
  • 4. API Integration & Technical Documentation
  • 5. Sequence Diagram for Debit & Credit Card Integration
  • 6. Advantages and Benefits
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Debit & Credit Card

Last updated 1 month ago

1. Overview

Debit & Credit Card: A Flexible Digital Payment Solution, The payment method using debit and credit cards is one of the most widely used for online transactions. With support from global banking networks, this solution enables merchants to receive payments quickly, securely, and conveniently. The integration supports various types of cards from both local and international banks, making it easier for customers to complete their transactions.

2. Key Features

2.1 Ease of Transaction

  • Fast Processing: Transactions are processed in real-time through a Payment Gateway integrated with banking systems.

  • Data Security: Customer card data is protected with high-security standards such as PCI DSS and end-to-end encryption, reducing the risk of fraud.

2.2 Flexibility and Reach

  • Multi-Currency Support: Enables transactions in various currencies, supporting international payments.

  • Card Compatibility: Supports multiple types of debit and credit cards, including Visa, MasterCard, and others.

3. Transaction Process Flow

The integration for Debit & Credit Card payments follows several key steps:

  1. Merchant Request: The merchant sends a payment request to the Payment Gateway with transaction details such as payment amount, customer data, and other required parameters.

  2. Tokenization & Payment URL Generation: The Payment Gateway generates a payment token and a secure payment URL or form to direct the customer.

  3. Customer Card Data Entry: The customer enters their debit or credit card details through the provided secure payment page, which adheres to security standards.

  4. Authorization Process: The card data is sent in encrypted form to the bank or acquirer for authorization.

  5. Transaction Status Notification: After authorization, the bank returns the result (approved or declined) to the Payment Gateway, which then sends a payment status notification to the merchant via callback URL, notify URL, or return URL.

4. API Integration & Technical Documentation

The API documentation for Debit & Credit Card integration covers:

  • Payment Request Parameters: Information required to initiate a transaction, such as transaction ID, payment amount, currency, and customer data.

  • Response Parameters: Data received back from the Payment Gateway, such as transaction status, authorization code, and additional details.

  • Security Measures: Guidelines on using encryption, tokenization, and other verification mechanisms to ensure sensitive data is protected.

Merchants are advised to carefully follow these technical guidelines to ensure smooth integration and compliance with the required security standards.

5. Sequence Diagram for Debit & Credit Card Integration

  • Merchant (M): Initiates the payment request and receives the payment token and secure payment URL from the Payment Gateway.

  • Payment Gateway (PG): Acts as the intermediary that secures the transaction data, manages tokenization, and communicates with the bank.

  • Customer (C): Enters their card details via the provided secure payment page, ensuring the data is encrypted.

  • Bank/Acquirer (B): Processes the authorization request based on the provided encrypted payment data and returns the transaction result to the Payment Gateway.

6. Advantages and Benefits

Using the Debit & Credit Card payment method offers several benefits for both merchants and customers, including:

  • Speed and Efficiency: Real-time authorization ensures that transactions are processed quickly, reducing waiting times.

  • Easy Reconciliation: Automated transaction status notifications help merchants in recording and reconciling financial data.

  • High Security: The use of encryption and tokenization technologies ensures that customer data is protected against misuse.

  • Global Reach: Supports various card types and currencies, facilitating international transactions and expanding market potential.