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  1. Order initialization - redirect URL and payment ID are present in the response

  2. Order processing

    Redirect flow

    - Redirecting to URL obtained in step 1. Details

    of the redirect flow

    can be found here: Redirect Flow

  3. Embedded flow - Calling Process Order endpoint until the payment is processed (and react on specific responses like inputs requests etc.). Details of the embedded flow can be found here: /wiki/spaces/~5dd3fb319def2a0ee974c384/pages/2467561560

  4. Checking status

    1. Either by getting the order detail (Get Order endpoint) - it provides detail of the order together of details of all its payments

    2. Or by getting the detail of the specific payment in the order (Get Order Payment endpoint)

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Payment Failure reason codes

Reason code

Description

Flow

CANCELED_BY_PAYER_AT_EVERIFIN

Payer rejected the payment on Everifin Paygate page before authorization has been initiated.

REDIRECT

BANK_NOT_FOUND

Payer has not found the desired bank and wants to choose different payment method at the merchant's site.

REDIRECT

MANUAL_TRANSFER_REQUESTED

Payer has not found the desired bank and decided to receive payment details for the manual bank transfer via email (generating and sending the email to customer need to be handled by merchant).

This feature is turned off by default.

REDIRECT

CANCELED_BY_PAYER_AT_BANK

Payer canceled the payment on the bank’s page.

ALL

INSUFFICIENT_AMOUNT

Payer does not have enough funds on his account to make the payment.

ALL

AML_BLOCKED

Payer’s funds have been blocked at the bank as a result of bank’s AML checks. Payer needs to contact the bank to treat the situation further.

ALL

REJECTED_BY_BANK

The bank rejected the payment due to some failure. Issue needs to be further analyzed (sometimes the reason is the payer canceled the payment on the bank’s pages but we are not able to identify this situation because the bank does not inform about it).

ALL

OTHER

Other, unspecified failure reasons (e.g. payment authorization failed, bank API temporary outage etc.)

ALL

API v1 vs. v2

Main differences between API v1 and v2 are:

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