Sale Workflow

This workflow describes the sequence of events that comprises a successful Pay by Bank sale.

Figure:

Processing Sale Workflow
  1. The customer chooses the Pay by Bank payment option and their bank while checking out on the merchant's website.
  2. The merchant sends
    Cybersource
     a sale API request. For more information, see Sale.
  3. Cybersource
     responds to the merchant with a
    PENDING
     status and a redirect URL.
  4. The merchant redirects the customer to the URL.
  5. The customer completes checkout using their account credentials and is then redirected to the merchant website.
  6. Cybersource
     sends a
    SETTLED
     sale status webhook notification to the merchant.
  7. The merchant displays a payment completion confirmation to the customer.
  8. To check the status of a sale, the merchant sends a check status API request if they did not receive a webhook notification. For more information, see Check Status.
  9. Cybersource
     sends the merchant one of these statuses:
    • ABANDONED
      : The customer did not complete checkout within the allotted time, and the redirect URL has expired.
    • PENDING
      : The customer did not complete checkout.
    • SETTLED
      : The sale request is settled for the requested amount.
  10. The merchant confirms the completed checkout to the customer when the sale status updates to
    SETTLED
    .