There are two three basic types of payments:
One-time payments - for every payment the user must select a bank, log-in, select a bank account and authorize the payment. These payments are initiated by using Everifin Paygate service.Payments from connected bank accounts - the user must be onboarded (he registers and performs a bank login to one or more banks) and then for every payment he chooses which of the connected bank accounts should be used and authorizes the payment. These payments are initiated by using /wiki/spaces/PCBA/pages/2467659777 service or Everifin Paygate+ service
Payments from returning customers who connect their bank accounts with limited permissions only to perform payments at merchants vetted and trusted by Everifin
Payments from Everifin accounts - the user is already using another Everifin service (Multibanking or Wallet) and has already at least one bank account connected there. These bank accounts are not limited for a specific payment use-case and therefore can be re-used with user’s consent.
Integration scenarios
In both all cases above the integration can be done using Everifin UI (recommended) , Everifin API or in a hybrid way - some steps with Eveirfin UI and others with Everifin API. The following table shows which combinations are allowed for which service:
Everifin Paygate (oneOne-time )Everifin Paygate+ (connect payment | Returning customers with connected bank accounts to Paygate within the payment process)limited to payments | Everifin Payments customers (existing Everifin users with already connected bank accounts) | |
|---|---|---|---|
User registration/login | not applicable | not applicable, the merchant is logged-in via API | Everifin UI (Multibanking or Wallet) |
Connecting bank accounts | not applicable | Everifin UI (Paygate Redirect flow) | Everifin UI (Multibanking or Wallet) |
Payment initiation | Everifin UI (Paygate Redirect flow) / Everifin API (Paygate Embedded flow) | Everifin UI (Paygate Redirect flow) | Everifin API (Paygate Embedded flow) |
Everifin UI
Everifin UI is the simplest method of integration. It takes the user to a trusted and licensed payment services provider Everifin (e.g. using a redirect or a modal window). The user can safely authorize the payment and return back without sharing any sensitive data with the original client application (an accounting system, an ERP, an e-shop, etc). The UI can be customized to match the look & feel of the client application.
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