Card Transaction Flow

The card transaction flow enables customers to make secure payments using their credit or debit cards, providing a convenient and widely accepted method for transactions. The two different types of card transaction flow are:

1. New Card Transaction Flow: This flow allows customers to enter their card details during checkout for processing a payment. It is suitable for first-time users or customers who prefer to provide card information manually.

2. Saved Card Transaction Flow: With this flow, customers can conveniently complete transactions using their previously saved card details. It offers a streamlined checkout experience for returning customers, eliminating the need to re-enter card information.

Both flows prioritize security and aim to provide a seamless payment experience for customers using card-based payments.

Integration Architecture

New Card Transaction Flow

1. Call “Card Info” API - Get Card details using card bin. You can also use this API to check if a card is eligible for ATM PIN, Mandate or direct OTP payments.

2. Call “Credit / Debit Card transaction” API - Call this API using Card details and cvv provided by the customer to initiate a card transaction

Saved Card Transaction Flow

1. Call “List Card” API - List all the cards stored for a customer. This API gives back only card tokens and other metadata relevant to the cards stored against the customer.

2. Call “Credit / Debit Card transaction” API - Call this API using card token and cvv provided by the customer to initiate a card transaction