Understanding

Understanding Excoinz Pay

Before using Excoinz Payments, you need to acquire a user AccessToken and complete the setup.

Excoinz Pay operates through a three-step payment process.

Step 1: Invoke the Excoinz Pay UI

Excoinz Pay offers a streamlined payment interface.

To display the UI as a popup, simply call the /payment/ready endpoint from the merchant server to the Excoinz server.

This will provide you with the Payment UI URL, which you can then open in a new window.

This stage is represented by steps 1 through 5 in the flowchart.

You'll need to get a client ID before proceeding with the process.

Step 2: User Payment Password Input

During this step, the merchant's intervention is not required.

Within the Excoinz Pay UI, users will input their payment password and await authorization. If the payment concludes successfully, the user will be redirected to the specified Redirect URL.

This is represented by steps 6 to 8 in the flowchart.

Step 3: Handle Merchant Payment Authorization

At this stage, merchants are responsible for responding to the Redirect URL, which communicates with the Excoinz Server /payment/validate to finalize the transaction authorization.

After verifying the transaction status and approving it, the user's funds are deducted, and the corresponding amount is transferred to the merchant.

Subsequently, all that remains is to notify the user of the successful payment.

This process is depicted by steps 9 through 11 in the flowchart.