Processing a Sale Using a Bank ID Workflow

Figure:

Sale with Bank Options Workflow
  1. The merchant sends a bank options API request to
    Cybersource
     at the beginning of the business day.
  2. Cybersource
     responds to merchant with a
    SUCCESS
     status and a list of supported banks.
  3. The merchant caches the retrieved bank list.
  4. The customer begins to check out on the merchant's website and chooses the PPRO payment method.
  5. The merchant displays the list of supported banks to the customer.
  6. The customer selects a supported bank.
  7. The merchant sends a sale API request to
    Cybersource
    .
  8. Cybersource
     responds with one of these possible statuses:
    • COMPLETED
    • PENDING
    • SUCCEEDED_PENDING_FUNDS
    IMPORTANT
    There are transactions that do not use redirect URLs because the payment process does not require customer interaction. For these transactions, you will receive a status response after the initial sale request.
  9. If the sale status is
    PENDING
     or
    SUCCEEDED_PENDING_FUNDS
    , the merchant redirects the customer to the bank URL included in the sale response.
    If the sale status is
    COMPLETED
    , see step 13.
  10. The customer completes the payment on the bank's website and is then redirected to the merchant's website.
  11. The merchant sends a retrieve a transaction API request to
    Cybersource
    .

    ADDITIONAL INFORMATION

    You can send the retrieve a transaction request any time after a pending sale or refund request.
    Cybersource
     recommends sending a retrieve a transaction API request every 60-minutes for e-commerce transactions and every 3-minutes for in-store transactions until the payment is complete.
  12. Cybersource
     responds with a
    COMPLETED
     status.
  13. The merchant displays a confirmation of payment to the customer.