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Payment flows

Payments 101

If you're complete beginner to Digital Payments, take a look at this Payments 101 blog to get familiar with terminologies.

Payments flow

There are multiple stages in a Payment flow depending on the payment methods that are involved. Considering an one-time payment method where there was no redirection involved, the following stages form the Payment flow:

a) Creating a Payment: When your customer wants to checkout, create a payment by hitting the payments/create endpoint. Fetch and store the payment_id and client_secret

b) Loading the SDK: After your customer checks out, load the Hyperswitch SDK by initiating it with the client_secret and publishable_key

c) SDK being rendered: After you initiate the SDK, the SDK makes several API calls involving the /sessions and /payment_methods endpoints to load relevant payment methods and any saved cards associated with the customer

d) Customer enters the payment method data: After the SDK is fully rendered, your customer would choose a payment method and enter the relevant information and click pay

e) Confirming the payment: After the customer clicks pay, the SDK calls the payments/confirm endpoint with the customer's payment method details and post response, it displays the payment status

Here's a more detailed version of the payment flow:

How does Payment flow vary across Payment methods?

Customer Action
Direct/Redirect flows
Payment- finalized immediately
Payment- finalized later

Customer action required before payments/ confirm

Within Hyperswitch SDK

  • Non 3DS Cards

  • Bank Debits like ACH Debit, BACS Debit, SEPA Debit

Customer action required before payments/ confirm

3rd party Redirect/SDK

  • Wallets like Apple Pay, Google pay, Paypal, AliPay

  • BNPL like Klarna, Afterpay, Affirm

Customer action required after payments/ confirm

3rd party Redirect

  • 3DS cards

  • Bank Redirects like iDeal, Giropay, eps

  • Bank Transfers like ACH Transfer, SEPA Transfer, BACS Transfer, Multibanco

  • Crypto wallets like Cryptopay

Functionalities provided by Hyperswitch

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Accept online payments

Get started with accepting one time payments globally on your online store

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Setup mandates & recurring payments

Setup payments for a future date or charge your customers on a recurring basis

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Manage payouts

Facilitate payouts for global network of partners and service providers

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Save a card during payment

Learn how you can save your customers' cards in a secure PCI compliant manner

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Manage payments on your platform / marketplace

Accept payments from your customers and process payouts to the sellers on your marketplace

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Accept payments on your e-commerce platform

Give your Wordpress store a lightweight and embedded payment experience with the Hyperswitch WooCommerce plugin

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Create payment links

Accept payments for your products through reusable links without writing any code

What are PaymentIntent and PaymentAttempt objects and how do they work in Hyperswitch?

Hyperswitch uses the PaymentIntent object to track the status of a payment initiated by you. Since, Hyperswitch enables retrying a single payment multiple times across different processors until a successful transaction, we track each of these payment attempts through separate PaymentAttempt objects.

While PaymentIntent and PaymentAttempt have their own state machines, the various states in PaymentAttempt are also constrained by their respective mapping to the PaymentIntent statuses.

PaymentIntent state machine:

The following is an abridged version of the PaymentIntent state machine flow that covers majority of the above payment use-cases.

PaymentAttempt state machine:

The following is an abridged version of the PaymentAttempt state machine flow that covers majority of the above payment use-cases.

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