Processing Step

Step 1 – Online buyer login to merchant website.

Step 2 – Online buyer select product and add product to shopping cart.

Step 3 – Online buyer proceed checkout after confirming all product in shopping cart.

Step 4 – Merchant sends HTTP POST Request containing payment details to CardBizPay Server using Payment Gateway posting URL (Refer to 2.1 URL). The required post data as described in 3.1.1 Payment Page Request.  

Step 5 – CardBizPay Server validates the required parameters, web access authentication by Signature. 

Step 6a – CardBizPay Payment Page display error message when required parameters missing, invalid format or value.

Step 6b – CardBizPay Payment Page display payment details and online buyer’s saved credit card.

Step 7a – Online buyer may update / remove saved credit card. Before proceed payment, online buyer required to select one saved credit card and enter card security number.

Step 7b – Online buyer fill up new credit card information and may choose to save the new credit card details for next purchase.

Step 8a – When payment is cancelled, CardBizPay Server sends HTTP POST Request containing payment response details to Merchant Callback Page. The required post data as described in 3.1.2 Payment Page Response.

Step 8b – CardBizPay Server sends request containing payment details to Bank Host.

Step 9 – Bank Host validate the online buyer credit card information and proceed for payment instruction.

Step 10 – CardBizPay Server received payment response from Bank Host and verify the response before updating the payment response into CardBizPay Server.

Step 11 – CardBizPay Server send HTTP POST request to Merchant Callback Page containing payment response details. The post data as described in 3.1.2 Payment Page Response.