- 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