- Customer: The Buyer and payer of items at the web shop
- Merchant: Provides the web shop and items to be sold
- Valitor: Processes payment information and verifies payment information provided by the customer with help from an acquirer.
The idea of the payment gateway is to allow your customers to perform secure payments without the feeling that they are leaving your web shop. This is possible because Valitor proxy the payment page from your website – keeping layout and visual identity. The Valitor Payment Gateway will inject a payment form which reflects the payment method (Credit Card, Bank Payment, etc.). When doing the integration, you will typically be working against the test environment/gateway, and once the integration is ready it must be enabled for production.
The check-out and payment flow are shown in the below diagram and are briefly described here.
The customer visits the merchant’s web shop and add items to the basket. Once the customer has completed the shopping of goods/services and is ready to pay, he or she proceeds to check-out. During the check-out flow details like name, e-mail, shipping- and billing address, voucher-codes is collected, and the customer is ready to pay for the goods/services. The customer selects a preferred payment method and clicks on the place order button to pay. All information about the payment is send to Valitor which will return a redirect URL to the payment
Depending on the type of payment (credit card, invoice, paypal, etc.) the customer supplies the final payment information. Valitor will then reach out to the underlying service of the payment-method to validate this information.
Depending on the outcome of the payment, Valitor returns the results to the web shop via a callback (Success/Failure/Open). Most acquires return the result of the payment immediately so typically “Success” and “Failure” is used. But for some, the acquirer can return the payment in an open state, meaning that the payment is neither success nor failed yet. The result is known later. If a payment is in an open state, Valitor will use the notification callback to notify when the result of the payment is known. The content returned by these callbacks are displayed to the customer, allowing you to display a message about his or her purchase. If the payment is successful or open the customer is redirected to the confirmation page, and if the payment failed the user is redirected back to check-out flow.