Everifin Paygate also enables and facilitates payments 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 is an existing Everifin user, or
when the have already used Paygate service before and agreed to remember the associated account.
Redirect flow + Everifin user
In case of existing Everifin user, Paygate displays a button that allows to log the user in to his Everifin account. After entering his credentials, Paygate offers him a list of accounts eligible for initiating the payment by the integrating service. Once the debit 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 the payment has been completed, the customer is returned to the seller's site. The creditor does not know if the customer used his Everifin account or a one-time payment.
If the integrator sends the user's email, we can remind the user that logging in will make it easier to complete the payment. Email is an optional parameter.
Redirect flow + saving an account without an Everifin
If the customer does not have an Everifin account, they can still save the account for future use in the Everifin payment gateway. In this case, after being redirected to PayGate, 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 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 the second factor, reducing the time the customer has to interact with the bank to fill in the confirmation details.