Defining the steps of the payment process - as seen by the buyer

The diagram below presents the payment process from the point of view of the buyer.

Figure 1. Payment process - as seen by the buyer
  1. The buyer validates the shopping cart.
  2. The merchant website redirects the buyer to the payment gateway. The redirection is done via a POST form from HTML to HTTPS. The parameters of the form are described in the chapter Generating a payment form.
  3. When the parameters and their signature have been verified, the payment method selection page appears.
    Figure 2. Selecting a payment method

    If the payment method has been specified in the form, the buyer moves on directly to step 6.

  4. The buyer selects a payment method.
  5. The buyer clicks on Validate.
  6. The buyer enters the card number and expiration date. If the card has a CVV code, it must be specified.
    Figure 3. Entering payment method details
  7. The buyer confirms the selection of the payment method by clicking on Confirm.
  8. if the merchant and the buyer's card are subscribed to the 3D Secure authentication option, the payment will be authenticated with 3D Secure.
  9. An authorization request is sent to the buyer's bank, the issuer, in addition to internal fraud verification on the payment gateway.
  10. If the payment has been successfully completed, a page with the payment summary will appear.

    A link allowing to return to the shop will appear.

Figure 4. Transaction summary

In case the transaction fails, a message appears. The buyer is informed if the payment request has been rejected. A button allowing to cancel the transaction and return to the shop will appear.

Figure 5. Summary page in case of a failed transaction