PayEase China Processing Overview of Payment Processing Credit Cards, China Bank Transfers, and China eWallet Credit card, China bank transfer, and China eWallet processing occurs as follows: 1 You host a payment selection page on your web site. 2 The customer selects a payment method and enters the payment information. 3 You forward the payment information to CyberSource as a China payment request. 4 CyberSource sends you a reply message that includes PayEase verification values and a fully formatted PayEase payment request. 5 You redirect the customer’s browser to PayEase and send the fully formatted payment request to PayEase. 6 PayEase redirects the customer’s browser to the customer’s financial institution where the customer logs in and approves the payment. 7 The financial institution sends the customer’s payment information to PayEase. 8 PayEase redirects the customer’s browser to you along with a response indicator. 9 You verify the response message from PayEase by using verification values from CyberSource and PayEase. 10 During the business day, PayEase periodically sends CyberSource payment status. 11 At the end of the business day, CyberSource queries PayEase for transaction information for incomplete orders. 12 You monitor the progress of the transaction in CyberSource reports and in the Business Center. For detailed information about this sequence, see: ■ Simple Order API—Processing Payments in China. ■ SCMP API—Processing Payments in China. Cash on Order As shown in Figure 1, cash on order transactions occur as follows: 1 You host a payment selection page on your web site. 2 The customer selects the cash on order payment method and enters the payment information. 3 You forward the payment information to CyberSource as a China payment request. 4 CyberSource sends you a reply message that includes PayEase verification values and a fully formatted PayEase payment request. 5 You redirect the customer’s browser to PayEase and send the fully formatted payment request to PayEase. 6 PayEase launches a GUI that enables the customer to verify that the address entered on your payment page is the location from which the cash will be retrieved. 7 If the address is not correct, PayEase redirects the customer’s browser to you. Otherwise, this process continues. 8 PayEase evaluates the customer’s postal code by comparing it to a list of postal codes for which cash on order is supported. If the customer’s postal code does not qualify for cash on order, PayEase displays an apology to the customer and redirects the customer’s browser back to you so that they can choose a different payment method. Otherwise, this process continues. 1 In the PayEase GUI, the customer chooses either cash or Chinese Debit Card as the payment method and indicates an appointment date and time. 2 PayEase redirects the customer’s browser to you along with a response indicator. The transaction status is Pending. 3 You verify the response message from PayEase by using verification values from CyberSource and PayEase. 4 You suspend the order while you wait for notification of payment. 5 A courier picks up the cash at the appointed time. 6 The courier transfers the money to PayEase. 7 PayEase sends a transaction status of Paid to CyberSource. 8 CyberSource indicates the transaction status as Settled. 9 You query CyberSource daily for changes in status for all pending cash on order transactions. When the transaction status is Settled, you proceed with the order. 10 PayEase transfers the funds to your account. 11 During the business day, PayEase periodically sends CyberSource payment status; and CyberSource updates the transaction status in the Business Center. 12 At the end of the business day, CyberSource queries PayEase for transaction information for incomplete orders. 13 You monitor the progress of the transaction in CyberSource reports and in the Business Center. For detailed information about this sequence, see: ■ Simple Order API—Processing Payments in China ■ SCMP API—Processing Payments in China Figure 1 Information Flow for Cash on Order—Method 2
