🏪E-commerce

The main scenario involves a customer making a payment for goods and services purchased online (E-commerce) via the DCM platform.

The payment process for an online store order is initiated by the Merchant, who generates a QR code and a deep link containing information about the order and payment details.

The customer can scan the QR code using their banking app or phone camera, or use the deep link to convert the data from the Merchant into a payment based on the provided details.

After verifying the payment parameters and debiting (or blocking) funds from the customer’s account, the Initiating Bank triggers a payment notification. Based on this payment notification, the DCM platform generates callbacks to the Merchant and the Recipient Bank regarding the payment.

Upon receiving the payment callback, the Merchant updates the online order to the next status. Based on the credit callback, the Recipient Bank can decide whether to instantly transfer the funds to the Merchant’s account.

Merchant page with payment options

Payment page of Transparent Network"

The Transparent Network page with details of participating banks (subject to scanning the QR code with the phone camera)

Go to the mobile application of a participating bank and confirm the payment

Online payment scenario in a mobile browser (without QR code)

As mentioned earlier, the DCM platform enables the exchange of payment information. The actual movement of funds between banks is carried out through the existing internal banking tool. Merchants, like banks, are registered participants in the DCM platform and receive relevant payment notifications in real-time.

The main integration points for the bank are shown below:

The bank can gradually integrate into the DCM platform, determining which roles to prioritize for integration depending on its functional strategy:

• Initiator Bank

Processes payment requests from its customers to other participating banks. In this role, the bank cannot connect its Merchants to the DCM platform.

• Recipient Bank

Processes requests for crediting funds to the accounts of Merchants serviced by this bank. However, customers of the bank cannot use the DCM platform as a payment method.

List of methods for implementation depending on the role:

Initiator Bank

• GET/merchants/order/nbu/json

• POST/Payment-message

• Callback "Pay-out"

• Callback "Gross_Settlement" (optional)

• GET/Gross_settlement_list

• GET/Gross_settlement_by_id

• POST/Gross_settlement_pay

• POST/Gross_settlement_confirm

Recipient Bank

• Callback "Pay-in"

• Сallback "Credit callback"

• Callback "Gross_Settlement"(optional)

• GET/Gross_settlement_list

• GET/Gross_settlement_by_id

When integrating the two roles, it is additionally necessary to integrate the method:

• POST/Gross_settlement_confirm_internal