Transaction Process Flow

Flow of Transactions for Payloft Aggregators

Transaction Flow Diagram

Step-by-Step Transaction Flow

1. Customer Checkout

   • The customer selects items on the WebShop and proceeds to checkout.

   • Payment details are entered and submitted for processing.

2. Aggregator Captures and Forwards Data

   • The aggregator collects the payment details and securely forwards them to UP MPI.

   • If card data is involved, it must be encrypted before transmission.

3. UP MPI Initiates Authentication

   • UP MPI sends an authentication request to the 3D Secure Provider to verify the cardholder’s identity.

4. 3D Secure Provider Contacts Issuer

   • The 3D Secure Provider communicates with the card issuer to initiate authentication.

5. Issuer or Cardholder Completes Authentication

   • The issuer may prompt the cardholder for verification (e.g., OTP, biometrics, or password).

   • The authentication result is returned to the 3D Secure Provider.

6. Authentication Response Sent to UP MPI

   • The 3D Secure Provider relays the authentication outcome back to UP MPI.

7. UP MPI Sends Authorization Request to UP Switch

   • Upon successful authentication, UP MPI initiates an authorization request to the UP Switch.

8. UP Switch Forwards Request to Payment Scheme

   • The UP Switch sends the request to the appropriate payment scheme (Visa, Mastercard, Amex, Verve, or PayAttitude).

9. Payment Scheme Contacts Card Issuer

   • The scheme forwards the authorization request to the card issuer for final approval.

10. Card Issuer Approves or Declines Transaction

    • The issuer evaluates the request and either approves or declines the transaction.

    • The decision is routed back through the payment scheme.

11. Scheme Returns Authorization Response

    • The scheme sends the response to the UP Switch.

12. UP Switch Sends Response to UP MPI

    • The UP Switch returns the authorization result to UP MPI.

13. UP MPI Sends Confirmation to Aggregator

    • UP MPI notifies the aggregator of the transaction outcome.

14. Aggregator Notifies WebShop

    • The aggregator sends a payment confirmation (or failure notice) to the WebShop.

15. WebShop Displays Payment Status to Customer

    • The WebShop updates the customer with the transaction status: approved, declined, or failed.

    • All transaction details are logged for record-keeping and reconciliation.

This process ensures that all transactions are securely authenticated, properly authorized, and seamlessly completed, providing a smooth and reliable payment experience for customers.