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online:payment-methods [2021/08/16 18:33] – mindaugas-bertys | online:payment-methods [2022/05/19 11:01] – adding africell payment gateway gytis-krisiunas | ||
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- | ====== Online Payment Methods | + | ====== Online Payment Methods ====== |
===== Overview ===== | ===== Overview ===== | ||
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==== FAC ==== | ==== FAC ==== | ||
- | {{ : | + | {{ : |
- | FAC gateway only allows the ability to use it for deposits as the provided integration material does not allow us to perform withdrawal operations. Deposits work in a similar fashion | + | FAC gateway only allows the ability to use it for deposits as the provided integration material does not allow us to perform withdrawal operations. Deposits work similarly |
Current FAC implementation only supports deposits using the 3DSAuthorization. 3DSAuthorization operation is an operation where a user has to complete his transaction through his bank's website. | Current FAC implementation only supports deposits using the 3DSAuthorization. 3DSAuthorization operation is an operation where a user has to complete his transaction through his bank's website. | ||
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* User cancels a transaction | * User cancels a transaction | ||
* Transaction state threads reverse a transaction that is older than 3 days and hasn't been captured | * Transaction state threads reverse a transaction that is older than 3 days and hasn't been captured | ||
+ | |||
+ | ==== Haiti ==== | ||
+ | |||
+ | === MonCash === | ||
+ | |||
+ | MonCash is a money management service that allows registered customers to carry out financial transactions from their mobile phones. MonCash account is linked to the customer' | ||
+ | |||
+ | - Dial *202# | ||
+ | - Select option 3 - Payment | ||
+ | - Choose option 2 - Pay Bills | ||
+ | - Enter the Biller Account: 720 | ||
+ | - Select 1- Enter the reference: (your mobile number) | ||
+ | - Enter the Amount | ||
+ | - Enter the PIN | ||
+ | |||
+ | The entire payment process is conveniently summed up in a [[https:// | ||
===== South Africa ===== | ===== South Africa ===== | ||
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InstantEFT is a method that connects multiple banks to make payments online. It works in the following way: | InstantEFT is a method that connects multiple banks to make payments online. It works in the following way: | ||
- | * The customer is presented with a variety of South African banks to choose from - Absa, Standart Bank, First National Bank, Nedbank, Capitec, Investec, TymeBank, African Bank, Bidvest Bank, and Old Mutual Bank | + | * The customer is presented with a variety of South African banks to choose from - Absa, Standart Bank, First National Bank, Nedbank, Capitec, Investec, TymeBank, African Bank, Bidvest Bank, and Old Mutual Bank. |
- | * The customer selects their bank and logs in using their online banking credentials | + | * The customer selects their bank and logs in using their online banking credentials. |
* Next, they choose from which account they will be making the payment. | * Next, they choose from which account they will be making the payment. | ||
* Customers then verify the payment with their bank on their mobile device. | * Customers then verify the payment with their bank on their mobile device. | ||
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=== Credit Card === | === Credit Card === | ||
- | As straightforward as it sounds - the customer just has to add his credit/ | + | As straightforward as it sounds - the customer just has to add his credit/ |
=== OTT Voucher === | === OTT Voucher === | ||
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OTT Voucher is a payment token that allows you to pay, deposit, and top up with online service providers. Customers can purchase OTT vouchers from over 75 000 outlets across South Africa. The vouchers are then used as a means of transacting online. | OTT Voucher is a payment token that allows you to pay, deposit, and top up with online service providers. Customers can purchase OTT vouchers from over 75 000 outlets across South Africa. The vouchers are then used as a means of transacting online. | ||
- | To make a deposit, | + | * Choose OTT Voucher as the means of depositing money to the user account. |
+ | * Enter the OTT voucher | ||
+ | * Done! | ||
=== Snapscan === | === Snapscan === | ||
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=== Zapper === | === Zapper === | ||
+ | Zapper is an alternative mobile payment system to SnapScan. The process of paying with Zapper works in the same way as SnapScan: | ||
+ | * Select Zapper as the way to deposit money into your account and enter the desired sum of money. | ||
+ | * Scan the QR code with your Zapper app. | ||
+ | * Authenticate the payment with your phone (PIN code, fingerprint, | ||
=== BluVoucher === | === BluVoucher === | ||
+ | BluVoucher is the newest addition to the Callpay voucher integration family. Its flow of operation is very similar to the other vouchers, but there' | ||
+ | === 1ForYou Voucher === | ||
- | === 1Voucher === | + | 1ForYou is a digital payment solution for cash customers in South Africa that allows making payments online for South African citizens and foreign nationals living in South Africa who don’t have local bank accounts. The process of depositing money with 1ForYou vouchers is as simple as it gets: |
+ | * Choose 1ForYou Voucher as the means of depositing money to the user account | ||
+ | * Enter the 1ForYou PIN number. | ||
+ | * Done! | ||
==== OZOW ==== | ==== OZOW ==== | ||
+ | OZOW is a payment system that helps to make payments directly from the customer' | ||
+ | * Select OZOW as the payment method for depositing money. | ||
+ | * Log in using your custom OZOW PIN. | ||
+ | * Confirm your payment with the bank. | ||
+ | * Done! | ||
==== Peach ==== | ==== Peach ==== | ||
+ | === Credit Card === | ||
+ | |||
+ | As straightforward as it sounds - the customer just has to add his credit/ | ||
+ | |||
+ | === EFTsecure === | ||
+ | |||
+ | EFT Secure is a method that connects multiple banks to make payments online. It works in the following way: | ||
+ | |||
+ | * The customer is presented with a variety of South African banks to choose from - Absa, Standart Bank, First National Bank, Nedbank, Capitec, Investec, TymeBank, African Bank, Bidvest Bank, and Old Mutual Bank. | ||
+ | * The customer selects their bank and logs in using their online banking credentials. | ||
+ | * Next, they choose from which account they will be making the payment. | ||
+ | * Customers then verify the payment with their bank on their mobile device. | ||
+ | * The payment is processed and instantly reflects in the customer' | ||
+ | |||
+ | === Masterpass™ QR === | ||
+ | |||
+ | Mastercard® QR is a mobile payment solution that enables consumers to make fast, secure payments to merchants for goods and services by scanning QR codes. Customers have to download their banks' respective Masterpass apps to use this feature. The process is fairly simple afterward: | ||
+ | |||
+ | * Choose Masterpass as the payment method to deposit money. | ||
+ | * Enter the amount you want to deposit and then scan the QR code with the Masterpass app. | ||
+ | * Authorize the payment with the custom PIN. Done! | ||
+ | |||
+ | ===== Tanzania ===== | ||
+ | |||
+ | ==== M-Lipa ==== | ||
+ | |||
+ | M-Lipa is a payments platform through which clients can process payments either via mobile money, credit/ | ||
+ | |||
+ | ==== M-Pesa ==== | ||
+ | |||
+ | M-Pesa Tanzania is a service offered by Vodacom Tanzania that allows the transfer of electronic mobile money from person to person and business via a mobile phone. It’s available to any Vodacom Tanzania customer, registered with M-Pesa and above 18 years of age. With an M-Pesa account, users can transfer cash and shop for products and services. | ||
+ | |||
+ | ==== Tigo ==== | ||
+ | |||
+ | Tigo Pesa allows users to send and receive money between financial service providers in Tanzania. Tigo Pesa connects MPesa, Airtel Money, TPesa, Halopesa, and EzyPesa into one service that helps users perform mobile money transactions. The process of depositing money with Tigo is as follows: | ||
+ | |||
+ | - Dial *150*01# | ||
+ | - Select option 5 - Pay Merchant | ||
+ | - Select either option 1 - Pay Tigo Pesa Merchant, or option 2 - Pay Mastercard® QR Merchant | ||
+ | - Enter the amount | ||
+ | - Confirm the payment with PIN | ||
+ | |||
+ | ==== Airtel ==== | ||
+ | |||
+ | Airtel money is a mobile Commerce service (money transfer via the phone) that allows Airtel network users to send and receive money across networks, perform bank transactions, | ||
+ | |||
+ | - Dial *150*60# | ||
+ | - Select option 5 - Make Payments | ||
+ | - Select Merchant | ||
+ | - Enter the amount | ||
+ | - Confirm the payment with PIN | ||
+ | |||
+ | ===== Ghana ===== | ||
+ | |||
+ | ==== MONIcliq ==== | ||
+ | |||
+ | MONIcliq is a payment processing platform that integrates with Mobile Network Operator (MNOs) on one hand, businesses on the other hand, and then Mobile Money subscribers, | ||
+ | |||
+ | - Dial *714*783# | ||
+ | - Select option 1 - Buy Voucher | ||
+ | - Select option 1 - SUPABETS | ||
+ | - Enter the number of vouchers you want to buy | ||
+ | - Select whether you want to receive results via SMS | ||
+ | - Enter your phone number | ||
+ | - Confirm your phone number | ||
+ | - Proceed to buy the voucher by selection option 1 - Yes | ||
+ | - Enter PIN to authorize the payment | ||
+ | |||
+ | ===== Nigeria ===== | ||
+ | ==== Interswitch ==== | ||
+ | Interswitch offers the largest system integration in e-payment services in Nigeria. It offers seamless and convenient payments through a credit/ | ||
+ | * Choose Interswitch as the means of depositing money to the user account. | ||
+ | * Either enter your credit/ | ||
+ | * Click //Pay//. Done! | ||
+ | ===== Gambia ===== | ||
+ | |||
+ | ==== Africell ==== | ||
+ | |||
+ | | ||
+ | To use this method: | ||
+ | |||
+ | * Choose Africell gateway to deposit or withdraw money from the account. | ||
+ | * Enter the amount of the transaction and enter the pin number of your africell system. | ||
+ | * If the amount does not go over the admin approval limits, transaction should be started | ||
+ | * If the amount does go over the admin approval limit, admin needs to approve the transaction. After that user needs to open up web-ui transactions and to finish the transaction by entering the pin again (as we can't store it) | ||
+ | * In case of withdrawal user should receive an answer instantly thus completing the transaction. | ||
+ | * In case of deposit user will need to finish up the transaction in his africell system by approving the transaction there. After his approval we will receive a callback and transaction will be done. | ||
+ | * Thats it! |