Online card payment

    Document purpose

    This document is intended to provide a non-technical audience with an understanding of the Online Card Payment end-user journey. Note: For illustrative purposes the Canvas app has been used to demonstrate the end-user functionality of the SDK.

    About the Online Card Payment end-user journey

    A customer using their card to shop online is required to perform SCA (exemptions may apply).

    The Online Card Payment workflow

    The Online Card Payment end-user journey

    Step 1 – Customer shopping on merchant’s website

    The customer is shopping with an online merchant and has chosen an item and added it to their ‘shopping basket’.

    Step 2 – Enter card details

    In the online checkout, the customer enters their card details:

    • Long card number
    • Card expiry date
    • CVV Number (Card Verification Value)

    Step 3 – Transaction outcome

    • Success – continue to Step 4 – Success screen.
    • SCA required – continue to Step 5 – Authentication choice screen displayed.
    • Fail – return to the merchant’s online checkout to re-enter the card details.

    Step 4 – Success screen

    The Success screen is displayed to notify the customer that the transaction has been successful, and no further action is required.

    Step 5 – Authentication choice screen displayed

    The customer is presented with the SCA options available:

    • Authenticate via app
    • Authenticate with OTP via SMS (no change to existing journey)
    • Authenticate with OTP via Email (no change to existing journey)

     Step 6 – Customer chooses authentication type

    The customer chooses how they would like to authenticate the transaction:

    • Via App – continue to Step 7 – Authenticate via app screen displayed.

      Step 7 – Authenticate via app screen displayed

      The Authenticate via app screen is displayed instructing the customer to open the Canvas app. The customer may receive a push notification (if enabled). Continue to Step 8 – Authenticate via App.

      Step 8 – Authenticate via app

      Now in the journey, the customer is presented with the Authorise card payment screen.

      Step 9 – Other Authentication

      The customer is able to select ‘other authentication’ to be presented with alternative SCA actions to complete transaction.

      Step 10 – Confirmation screen

      Returning to the Visa screen, the customer selects Confirm to complete the journey.

      Step 11 – Error/Transaction cancelled

      If the verification fails, there are two outcomes:

      • Error screen – continue to Step 12 – Error screen.
      • Transaction cancelled – continue to Step 13 – Transaction cancelled.

      Step 12 – Error screen

      The Error screen is displayed, and the transaction is terminated.

      Step 13 – Transaction cancelled

      The transaction is cancelled, and the customer is taken back to the merchant’s screen.