1) Checking Out as a Guest

1a) In the SmoovPay payment page, customer fills in credit card details and click 'Pay Now!'. 

1b) The customer will be redirected to the bank website to fill in the One-Time Password sent to their mobile number through SMS.

1c) Once OTP is verified, and if the payment is successful, the bank will redirect the customer back to Smoovpay server.

1d) Before the customer can see the 'Payment is Successful' page, Smoovpay server will post the STR with payment status to merchant server to inform about the successful payment. (Smoovpay Transaction Response [STR] postback URL specified in the Setting page)

1e) Merchant can validate the Smoovpay Transaction Response (STR) by posting it back to Smoovpay server.

1f) Smoovpay server will return the result as 'Valid' if the STR is valid, and 'Invalid' otherwise.

1g) Once the step 1e and 1f are done, then the user will see the 'Payment is Successful' page.

1h) There is a button in the 'Payment is Successful' page named 'Go back to Merchant page'.

1i) Once the customer click on the 'Go back to Merchant page', the customer will be redirected back to the merchant page (Post payment redirect URL specified in the Setting page);

1j) When the customer is back to the merchant page, merchant can decide what to display to the customer. (At this time, merchant already has the payment status)



2) Checking by creating a SmoovPay Wallet Account

2a) In the SmoovPay payment page, customer fills in credit card details and click 'Pay Now!'. 

2b) The customer will be redirected to the Check-out page of SmoovPay, which they have option to 

  1. Checkout by creating a "Wallet Account" or
  2. Check out as a Guest

2b i) Checkout by creating Wallet Account is to allow Cardholder on their next visit to the Merchant or other Merchant using SmoovPay Payment Gateway Service, they can check out by signing in to their Wallet Account, and authorize the payment without the hassle of re-entering the Credit Card information again. This will also skip the process of the system asking for OTP as well for 3D secure card.

2b ii) Checkout as a Guest require for every payment made through SmoovPay Payment Gateway to the Merchant, the cardholder are require to enter the Credit Card information again, as well as entering the "OTP" to checkout even on the next visit to the Merchant Online Website and checkout.

2c) If the payment is successful, the bank will redirect the customer back to Smoovpay server.

2d) Before the customer can see the 'Payment is Successful' page, Smoovpay server will post the STR with payment status to merchant server to inform about the successful payment. (Smoovpay Transaction Response [STR] postback URL specified in the Setting page)

2e) Merchant can validate the Smoovpay Transaction Response (STR) by posting it back to Smoovpay server.

2f) Smoovpay server will return the result as 'Valid' if the STR is valid, and 'Invalid' otherwise.

2g) Once the step 1e and 1f are done, then the user will see the 'Payment is Successful' page.

2h) There is a button in the 'Payment is Successful' page named 'Go back to Merchant page'.

2i) Once the customer click on the 'Go back to Merchant page', the customer will be redirected back to the merchant page (Post payment redirect URL specified in the Setting page);

2j) When the customer is back to the merchant page, merchant can decide what to display to the customer. (At this time, merchant already has the payment status)