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Process flows

Note: In order to integrate cards, please refer to our API Reference.


  1. The consumer selects a card payment product and makes a transaction with you.
  2. Your server sends the authorization request to us containing the card payment details of the consumer and your reference ID.
  3. We redirect the authorization request to the relevant acquiring channel.
  4. The acquirer redirects the authorization request to the card issuing bank.
  5. The card issuing bank processes the transaction in real-time, returning an authorization or decline response.
  6. The acquirer sends the authorization result to us.
  7. We return the request response result to you - If the request is authorized, you can choose to release the product or service to the consumer.
  8. We will also, automatically or after a request for capture, send the settlement file to the acquirer to facilitate collection of a successfully authorized transaction.
  9. The acquirer sends the settlement request, via the card scheme, to the card issuing bank and the consumer‘s account will be debited accordingly.
  10. The card issuing bank transfers, via the card scheme, the funds to the acquirer.
  11. The acquirer transfers the funds to our bank account where the confirmation of funds is registered.
  12. You will then receive the funds and a payment report which will include your payment reference – This enables you to update the relevant orders based on the information contained in the report.

During the transaction process the payment status is updated each time a request or response is received and the changes are reported to your system.

State transition diagrams

The diagram below represents general transaction behavior broken into a number of defined states following the logic payments flow when processed with our platform. This is a definition of general expected behavior only – live processing may vary under some circumstances.

Note: Thicker lines mark common state transitions accros all our merchants. The state transitions that you will see depend on the setup of your account.More information on the APIs mentioned in the diagram can be found in our API Reference.

cards-state-diagram

Account validation

In case you perform an account validation on card, by using a zero amount in your transaction the flow diagram is much simpler than the one above. The only complexity here is that you could also include an authentication using 3D Secure.  

cards-state-diagram-account-validation

3D Secure - 2 step

In case your account has been configured for 2-step 3D Secure there is an additional completion step that needs to be performed. The diference to the generic cards state transition diagram can be seen below.

cards-state-diagram-2-step-3dsecure