Everifin Paygate also UI enables and facilitates payments also for returning customers. This enhancement is available out of the box for all integrations that implement redirect flow. Re-use of bank account re-use in Paygate redirect flow is possible when:
the customer user is an existing (registered) Everifin user, or
when the have user has already used the Paygate service before and agreed to remember the associated account.bank account for payment purposes at trusted merchants
Redirect flow + existing Everifin user
In case of existing Everifin user, Paygate displays a button that allows to log the user in to his existing Everifin user account. After entering his credentials, Paygate offers him a list of bank accounts eligible for initiating the payment by the integrating service. Once the debit bank account is selected, the user is asked to authorize the payment - usually SCA only. For some banks, the authorization takes place on the bank's website, for others, this redirection is not necessary and the customer authorizes the payment e.g. via a push notification on his mobile phone. If When the payment has been completed, the customer is returned to the seller's merchant’s site. The creditor merchant does not know if the customer used his Everifin account or a one-time payment.
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If the |
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merchant sends the user's email, |
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Everifin can remind the user that logging in will make it easier to |
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authorize the payment. Email is an optional parameter. |
Redirect flow + saving an account without
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user registration to Everifin
If the customer user does not have an Everifin user account, they can still save the bank account for future use in the Everifin payment gatewayPaygate. In this case, after being redirected to PayGatePaygate, the customer must check the checkbox to save the selected account for future use in this browser. At the same time, the customer authorises the payment gateway gives consent to the Paygate to store this data for 90 or 180 days. During this period, the customer does not need to select the bank or insert the bank login details again. Confirmation of the payment will only take place via Payment authorization is simplified (most banks require only the second factor), reducing the time the customer has to interact with the bank to fill in the confirmation details.
Payment initiation
The Payment should be is initiated in exactly the same way as a default one-time anonymous payment. Please follow the documentation on Paygate Redirect Flow or https://documenter.getpostman.com/view/19017018/2s93kxbRWa#49488198-9737-4ad4-a863-44fb2356554b
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