Diagrams

Create a Credit Card transaction

The CM.com Online Payments API enables you to create a Credit Card transaction. The diagram below presents the interaction that takes place between Consumer, Merchant (You), CM.com Online Payments API and the Bank when creating a Credit Card transaction:

In the diagrams above the following steps are performed:

A Merchant wants to offer the consumer the possibility to pay with a Credit Card. In order to enable this, the Merchant presents a page to the Consumer so that Credit Card details can be filled in.
Consumer fills in the Credit Card details on the page.
The page should encrypt the provided Credit Card details. Find more details here.
The encrypted Credit Card details are submitted.
Merchant uses the encrypted details and makes a request to create a Credit Card transaction.
Merchant receives a successful response and redirects the Consumer to the provided URL.
Consumer continues with the payment and eventually is redirected to the CM.com Online Payments API returnURL.
When the status of the Credit Card transaction is updated on the CM.com Online Payments API, the Consumer is redirected to the return URL that the Merchant specified in the original request to create the Credit Card transaction.
If the Merchant also specified webhooks in the original request then CM.com Online Payments API will trigger the proper webhooks and make the requests to the webhook URLs specified by the Merchant. When using webhooks, be aware that they are only a "best effort" mechanism.
Merchant gets the latest details of the transaction. This usually happens once the Merchant received a webhook request.

The API endpoints involved on this flow are:

Create a refund for the payment made with a Credit Card transaction

The CM.com Online Payments API enables you to create a refund for the payment made with a Credit Card transaction. The diagram below presents the interaction that takes place between Merchant (You) and CM.com Online Payments API when requesting a refund for the payment made with a Credit Card transaction:

The API endpoints involved on this flow are:

Create a Refund