Credit Card Payment Flow
There are 4 types of payment flows for Credit Card payment methods, namely Direct 3Ds, Redirect 3Ds, Direct non 3Ds, and Redirect non 3Ds.
- Payment channels that are only found in Payment products are Direct 3Ds and Direct non 3Ds.
- Payment channels that are only found in Checkout products are Redirect 3Ds and Redirect non 3Ds.
What is 3Ds?
3 Domain Secure (3Ds) is a Credit Card security standard that allows cardholders to obtain identity verification in an OTP (One Time Password) form to a registered cell phone number during the payment process.
The 3Ds process involves 3 parties, namely cardholders, Credit Card Issuing Banks, and Merchants or Payment Gateways. It is done to prevent attempts at Credit Card theft and fraudulent acts when transacting with Credit Card.
The difference between 3Ds and Non 3Ds
- In the 3Ds Flow, the Credit Card transaction process will go through the 3Ds security protocol with identity verification in the form of OTP and additional security, namely NICEPAY FDS (Fraud Detection System).
- In the Non-3Ds Flow, NICEPAY only goes through the FDS (Fraud Detection System) security process without using OTP authentication from 3Ds after the Customer enters their Credit Card data.
Direct 3Ds
In the Direct 3Ds process, the Customer will continue the Credit Card registration process on the Merchant's page display after going through the FDS calculation process and checking the OTP authentication. The difference with the Redirect process is with the page used. The Redirect process uses NICEPAY's page view after using the OTP authentication checking process.
A step-by-step description of the Credit Card Direct payment flow with 3Ds:
- The Customer checks out.
- The Customer submits a checkout to the Merchant.
- The Merchant registers checkout data.
- The Merchant sends a response in the form of a card data form to the Customer.
- The Customer enters card data.
- The Customer sends card data information to the Merchant.
- The Merchant sends an application using the Registration API to NICEPAY.
- NICEPAY stores orders.
- NICEPAY sends a response to the Merchant.
- The Merchant submits payments using API Payment to NICEPAY.
- NICEPAY requests 3Ds with the Bank.
- The Bank verifies the application.
- The Bank sends a 3Ds URL response to NICEPAY.
- NICEPAY sends an authentication page to the Customer.
- The Bank sends OTP to Customer.
- The Customer sends the entered OTP to the Bank.
- The Bank performs OTP validation.
- The Bank sends the 3Ds results to NICEPAY.
- NICEPAY does the FDS calculation.
- NICEPAY submits a payment/charge to the Bank.
- The Bank performs the payment process.
- The Bank sends a payment response to NICEPAY.
- NICEPAY sends payment notifications using callBackUrl and dbProcessUrl to Merchants.
- The Merchant receives notifications.
- The Merchant submits a status check to NICEPAY.
- NICEPAY sends a status check response to the Merchant.
- The Merchant receives the final status.
- The Merchant sends the results of the order to the Customer.
Redirect 3Ds
This payment flow is only found in Checkout products.
In the 3Ds Redirect process, the Customer will continue the Credit Card registration process on the display page provided by NICEPAY after going through the FDS calculation process and checking OTP authentication. Redirects will be very useful when Merchants don't need to develop their own website appearance, because NICEPAY has provided special payment facilities to make it easier for Merchants. The 3Ds Redirect process uses the API Checkout.
A step-by-step description of the Redirect Credit Card payment flow with 3Ds:
- The Customer checks out.
- The Customer sends checkout data to the Merchant.
- The Merchant submits a checkout using API Registration to NICEPAY.
- NICEPAY registers checkout data.
- NICEPAY transfers payments to NICEPAY's page to the Merchant.
- The Merchant sends the NICEPAY payment page to the Customer.
- The Customer selects a payment method .
- The Customer enters card data.
- The Customer sends card data information to NICEPAY.
- NICEPAY processes FDS calculations.
- NICEPAY requests 3Ds with the Bank.
- The Bank performs 3Ds validation.
- The Bank sends a 3Ds URL response to NICEPAY.
- NICEPAY receives a verification response.
- NICEPAY redirects the Customer to the ACS authentication page.
- The Bank makes an OTP response.
- The Bank sends OTP to the Customer.
- The Customer receives an OTP.
- The Customer enters OTP.
- The Customer sends the OTP to the Bank.
- The Bank verifies the OTP.
- The Bank sends the 3Ds results to NICEPAY.
- NICEPAY received the inspection results.
- NICEPAY submits payment to the Bank.
- The Bank performs the payment process.
- The Bank sends payment notifications to NICEPAY.
- NICEPAY redirects callbackUrl to Merchant.
- The Merchant displays the callbackUrl results to the Customer.
- NICEPAY sends payment notifications to the Merchant.
- The Merchant receives notifications.
- The Merchant submits an inquiry to NICEPAY.
- NICEPAY accepts applications.
- NICEPAY automatically sends a response inquiry to the Merchant.
- The Merchant receives the final status.
- The Merchant sends the transaction result page to the Customer.
Direct Non 3Ds
In the Non-3Ds Direct process, the Customer will continue the Credit Card registration process on the Merchant's page display after carrying out the FDS (Fraud Detection System) calculation process without using an OTP. The difference within the redirect process is on the page used. The Redirect process uses NICEPAY's page view after proceeding the FDS (Fraud Detection System) calculation process.
A step-by-step description of the Direct Credit Card payment flow with Non-3Ds:
- The Customer checks out.
- The Customer submits a checkout to the Merchant.
- The Merchant submits checkout to NICEPAY.
- NICEPAY register checkout data.
- NICEPAY sends a response containing a card data form to the Customer.
- The Customer enters card data.
- The Customer will send card data information to the Merchant.
- The Merchant will send an application using the Register API to NICEPAY.
- NICEPAY stores orders.
- NICEPAY sends a response to the Merchant.
- The Merchant submits payments using API Payment to NICEPAY.
- NICEPAY processes FDS calculations.
- NICEPAY requests a charge to the Bank.
- The Bank verifies the application.
- The Bank submits payment confirmation.
- The Customer submits payment.
- The Bank performs the payment process.
- The Bank sends payment to NICEPAY.
- NICEPAY sends callBackUrl and dbProcessUrl payment notifications to Merchants.
- The Merchant receives a notification.
- The Merchant submits the status to NICEPAY.
- NICEPAY sends status check results.
- The Merchant receives the final status.
- The Merchantchant sends the results of the order to the Customer.
Redirect Non-3Ds
This payment flow is only found in Checkout products.
In the non 3Ds redirect process, the Customer will continue the Credit Card registration process on the page view provided by NICEPAY after carrying out the FDS (Fraud Detection System) calculation process without using an OTP. Redirects will be very useful when Merchants don't need to develop their own website appearance, because NICEPAY has provided special payment facilities to make it easier for Merchants.
Description of Redirect Credit Card payment flow steps with Non 3Ds:
- The Customer checks out.
- The Customer submits a checkout to the Merchant.
- The Merchant registers checkout data.
- The Merchant sends a response in the form of a card data form.
- The Customer submits a checkout to the Merchant.
- The Merchant registers orders using the Registration API with NICEPAY.
- NICEPAY saves order registration.
- NICEPAY} redirects Merchant to the NICEPAY page.
- The Merchant sends the NICEPAY page to the Customer.
- The Customer selects a payment method.
- The Customer enters card details.
- The Customer submits payments using API Payment to NICEPAY.
- NICEPAY does the FDS calculation.
- NICEPAY submits payment to the Bank.
- The Bank verifies the application.
- The Bank sends a payment confirmation application to the Customer.
- The Customer submits a payment/charge to the Bank.
- The Bank performs the payment process.
- The Bank sends a payment response to NICEPAY.
- NICEPAY sends payment notifications using callBackUrl and dbProcessUrl to Merchants.
- The Merchant receives notifications.
- The Merchant submits a status check to NICEPAY.
- NICEPAY sends a status check response.
- The Merchant receives the final status.
- The Merchant sends the results of the order to the Customer.
See also
Visit the Credit Card Feature page to find out the transaction feature on the Credit Card.
Visit the Credit Card Integration & Testing page to find out how to perform integration and testing of the NICEPAY Credit Card system.
Visit the Credit Card Glossary page to find out the particular term used on Credit Card.
Visit the Credit Card FAQ page if you want to find out frequently asked questions related to Credit Card.