Diagrams

Create a Bancontact transaction

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

In the diagram above the following steps are performed:

1. A Merchant wants to enable Bancontact payments for the Consumer. In order to do this, the Merchant makes a request to create a Bancontact transaction.
2. Merchant receives a successful response. This response enables 3 possible alternatives to continue the payment flow:
   1. It provides a QR code that the Merchant can present to the Consumer, who will scan the QR code and continue with the payment flow.
   2. It provides an intent URL that the Merchant can share to the Consumer, who will open that URL and continue with the payment flow.
   3. The Merchant presents a page where the Consumer can enter card details for the payment. The page should encrypt the provided card details before submitting them. Find more details here. Once submitted, the Merchant uses the encrypted card details to make a request to start the Bancontact transaction using the API. When a successful response is received the Merchant redirects the Consumer to the provided URL.
3. Consumer pays, and eventually is redirected to the CM.com Online Payments API returnURL.
4. When the status of the Bancontact 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 Bancontact transaction.
5. 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.
6. 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 Transaction
• Start Transaction
• Get Transaction

Create a refund for the payment made with a Bancontact transaction

The CM.com Online Payments API enables you to create a refund for the payment made with a Bancontact 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 Bancontact transaction:

The API endpoints involved on this flow are:

• Create a Refund