Process of Payment

How to Make a Payment

When requiring an online payment from a customer, the merchant creates a request to create a payment in his/her e-shop and sends it to the GP webpay payment gateway interface (API) (see technical specification for developers).

After the GP webpay payment gateway receives a request to create a payment, it creates an object named ORDER and redirects the customer’s browser to the payment page for payment method selection.

Payment page has responsive design and adjusts automatically to screen of a used device and to browser’s language (see Picture No. 1). Customer can change the language of the payment page in the dropdown menu in the upper right corner.

Logo in the upper corner and colour of selected graphical elements (the “Pay” button, the “Summary of your order” and arrows for card validity selection) is displayed according to the acquirer of an e-commerce merchant.

Customer can select a payment method by clicking the relevant button in the left part of the payment page.

If customer decides not to accomplish the payment, he/she can click on the link “Back to e-shop” in the upper left corner.

After payment accomplishment, the GP webpay payment gateway sends a payment result to the merchant (see technical specification for developers).

The GP webpay payment gateway enables recurring entry of the card – the customer has up to 3 attempts at making the payment successfully (authorization). Where the payment is not made, the customer is informed about the most frequent reasons:

• Non-authentication by the 3D Secure system
• Rejection by the issuer bank

The customer is also informed about further steps to make the payment successfully:

• Check the card authorization for payments on the Internet
• Check the card setting for authentication in the 3D Secure system
• Check the sufficient balance on the card account
• Use another card

The payment page contains a field for entering an e-mail address to which the confirmation of blocking of cardholder’s funds is to be sent (hereinafter referred to as the “confirmation”). Entering the e-mail address is optional for the customer. Where the customer sends an e-mail address in the EMAIL parameter (API HTTP interface), that e-mail address is displayed – it may be changed or deleted by the customer.