Payments
Redefine how you manage and process payments.
Introduction to Payments
A payment flow represents the complete journey of a payment from the moment it is initiated to its final completion. This process involves multiple steps and interactions between the Merchant, the Customers and us as Providers at various states of the payment process.
For example, when a Customer pays with a credit card, the transaction goes through several stages before the funds are successfully processed and allocated.
Cardholder
The individual or entity → initiates the payment by purchasing a service or product.
Merchant
The business representative or a service provider → receives the funds once the payment is processed.
Payment Service Provider (PSP)
Our company → cooperates with acquiring banks and card networks to allow merchants to accept payments.
Acquirer
The financial institution or payment processor → evaluates payments on behalf of the Merchant and transmits them via the Card Network to the Issuing bank.
Card Network
The organisation → facilitates communication between the Issuer and Acquirer to process card transactions and ensures compliance with payment standards.
Issuer bank
The bank → issues the credit card to the consumer on behalf of Card Networks. The Issuer bank is responsible for authorising and ensuring the funds are available for the transaction.
Payment Request & Commit
Payment Request
A Payment Request is the highest-level entity within the payment gateway. It is created to represent a payment in the Merchant’s system and can only be generated by the Merchant.
This is the initial step of the payment process and contains all the essential details required for processing, including:
Payment amount
Customer context fields (e.g., shipping and billing details)
To explore available Payment Request statuses, refer to the Payment Statuses & Resolutions guide.
Payment Commit
A Payment Commit reflects the Customer’s payment action. It includes the selected Payment method and the associated Method fields provided by the Customer.
The Commit stage represents the finalisation and confirmation of the transaction. At this point, the payment becomes irreversible, and the funds are officially allocated to the Merchant.
Payment types
Payments
Payments initiated via API: Payments initiated programmatically through API integration.
Manual Payments: Payments created manually by a Merchant through the Dashboard by generating a Payment Request.
Refunds
The process of returning funds to a Customer after a completed purchase. Refunds typically occur when a product is returned, a service is cancelled, or a transaction error is identified. A Refund requires a prior Payment Commit. For more details, refer to the Refunds guide.
Disputes
The management and resolution of charge disputes initiated by a Customer. Disputes usually arise when a Customer claims that a transaction was unauthorised, incorrect, or unsatisfactory.
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