Customer selects payD as payment method for the transaction. (The payment selection process is provided by the merchant)
Customer enters their mobile number instead of their card details. (Card details are not present in the V_XML)
PanFormat is set to MSISDN and the MSISDN tag set to the customer's mobile number, this will identify the transaction as a payD transaction.
Transaction is sent to the gateway as a normal enterprise transaction.
The gateway identifies the transaction as a payD transaction and forwards the transaction to payD.
payD determines the registration status of the user (refer below to see how the process changes)
Non-Registered Users
payD determines the user has not been registered and the transaction fails.
The gateway returns Error Code 23 and Description “Card information not present” to the merchant.
The merchant must then, in addition to the MSISDN, prompt the user for their PAN (full card number), ExpiryDate and AccountType (savings, cheque, credit)
PanFormat is set to MSISDN. (PanFormat must still be set to MSISDN, to identify transaction as a payD transaction)
Transaction is sent to the gateway as a normal enterprise transaction.
The gateway identifies the transaction as a payD transaction, and forwards the transaction to payD
payD performs the user registration
...continue as a registered user..
Registered Users
The customer is prompted to enter their PIN using their mobile phone.
payD then forwards the transaction (along with card data) to the gateway to be completed.
The gateway will respond to the merchant the transaction status and a new tag MobileMoneyID
