Payment Flow

Below is a high-level representation of the PayG transaction flow.

1. Customers place an order on your website or app 🔗

A customer visits your website or app, selects items they want to purchase and places an order.

2. Create Order 🔗

For each order placed by your customer,use the PayG create order API

Read more: Order API.

3. Merchant will get the Payment Process URL 🔗

Merchant will get the Payment Process URL

4. Pass Payment Process 🔗

Pass payment process url and order id to the checkout

Pass the order key and payment process url to the checkout on payment section.The payment process url redirects user to the PayG payment form with parameters that are used to create order

5. Authentication of a payment 🔗

Internally, PayG sends an authentication request to the customer's bank. After appropriate authentication, PayG is authorized to deduct the amount from the customer's bank account.

6. Capture the payment 🔗

After the sucessfull payment, PayG redirects to the website based on redirect URL.

7. Settlement 🔗

After the funds are captured by PayG, they are settled in the Merchant's bank account as per the predetermined settlement (payout) cycle (T + N, where T is the Transaction Date). The funds are defined as settled when they are credited to the Merchant's Bank Account.