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E-commerce payment flow
  1. Customer selects items to purchase from an online shop (e-commerce website).
  2. When customer is done shopping, he/she confirms cart content and selects ‘CHECKOUT’. Depending on the e-commerce website requirements, additional consumer information might be requested during the checkout process (e.g., contact details, shipping details, etc.).
  3. The customer initiates the payment process by selecting ‘continue with payment’ or ‘PAY NOW’ option
  4. The e-commerce webserver sends payment request details to the instaPay® WebPay gateway webserver in a HTML form (containing the relevant variables) and redirects the customer to the instaPay® WebPay gateway.
  5. The instaPay® WebPay gateway validates the data and displays payment information and allowed payment options on payment request page.
  6. The customer selects his preferred payment method from the list of allowed payment methods
  7. The instaPay® WebPay gateway checks if the the status of the payment request is Pending.
  8. If the payment request has been paid or expired or was cancelled, instaPay® WebPay gateway will display a “Payment not allowed” screen with the appropriate reason.
  9. If the payment request has not been paid, i.e., status is pending, the customer is redirected to the selected payment option processing page.
  10. The customer completes the online payment process based on the requirements of the selected payment method.
  11. The involved payment service provider informs the instaPay® WebPay gateway of the outcome of the transaction where appropriate action is taken.
  12. If the payment was unsuccessful, instaPay® WebPay gateway displays a “Payment unsuccessful” screen with the appropriate reason – the customer can retry or navigate back to the e-commerce website.
  13. If the payment was successful, the instaPay® WebPay gateway sends a notification to the e-commerce website.
  14. The e-commerce webserver confirms receipt of the notification, conducts data validation and integrity checks, and processes the result.
  15. instaPay® WebPay gateway displays a “Payment successful” and redirects the customer back to the e-commerce return page.
  16. The e-commerce website displays the return page, and the process ends.
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