1.6. Recurring Sale

Introduction

Recurring (Rebill) Sale is a type of transaction in which funds are debited from the Payer’s side to the Connecting Party’s bank account with previously saved cardholder data. Recurring sale transaction can be initiated manually on Payer’s behalf (this simplifies the payment process for the Payer) or automatically at certain intervals by Connecting Party (i.e. as a subscription model). Payer does not have to re-enter card information, Connecting Party uses Card reference ID to authorize payment. The necessity of Payer’s 3DS check and submit of card security code (CVC, CVV, etc) for recurring sale transactions is determined by bank account settings and related to Connecting Party business type.

See terms definitions (Connecting Party, 3DS Method, etc) in Glossary.

Recurring payments are made in three steps:
1. Initial payment – make initial payment to verify and authorize the Payer’s card. Any transaction type with present cardholder data will work as initial payment - sale, preauth, transfer, etc.
2. Card registration – get Card reference ID and register Payer’s card in Payer’s profile. Card registration requires initial payment to be in final status.
3. Recurring sale – process recurring sale transaction using Card reference ID.

Recurring Sale Flow

skinparam roundcorner 20
skinparam sequenceArrowThickness 1
skinparam maxmessagesize 1200
skinparam sequenceParticipant underline
actor Payer
participant "Connecting Party" as A
participant "Payment Gateway" as B
autonumber
hnote over Payer,B : Initial payment
== Card registration ==
A -> B: api/v2/create-card-ref/
activate B
activate A
B --> A: Return Card ref ID
deactivate B
A -> A: Save Card ref ID to Payer's profile
deactivate A
== Get Card Info ==
group Optional
A -> B: api/v2/get-card-info/
activate A
activate B
B --> A: Return Card info
deactivate A
deactivate B
end
== Recurring Sale ==
group Optional
Payer -> A: Initiate Recurring Sale
activate A
activate Payer
end
A -> A: Get Card ref ID from Payer's profile
group Optional
A -> Payer: Request CVV from Payer
Payer --> A: Submit CVV
end
A -> B: api/v2/make-rebill-sale/
activate B
B --> A: Response with Order ID
hnote over Payer,B : See 3DS Decision Making Schema
group Get Final Status
== Receive Callback ==
A <- B: Callback with Final Status
A --> B: HTTP 200
deactivate B
== Order Status Request ==
A -> B: Get Status by Order ID
activate B
B --> A: Final Status
deactivate B
end
group Optional
A --> Payer: Show result
deactivate Payer
deactivate A
end

Note

Initial payment transaction type and implementation depends on Connecting Party business model. Please contact GoldenApple support team to get relevant integration Use-Case for initial payment.

(1) To implement Card registration and get Card reference ID see /api/v2/create-card-ref/.
(4) To implement Card information request by Card reference ID see /api/v2/get-card-info/. The contents of response to this request can be used to show information about previously used card to Payer or to update Connecting Party database. This request can be made anytime if Connecting Party has Card reference ID.
(6) Recurring payment can be initiated by Connecting Party based on internal business model or Payer’s request.
(8, 9) Connecting Party sends request to the Payer to submit the CVV/CVC (Card Verification Value/Code), if it is required for selected processing channel.
(10) To initiate recurring sale transaction see /api/v2/make-rebill-sale/. See 3DS Decision Making Schema and 3DS Implementation Scenarios to correctly implement possible 3DS scenarios.
(12) To implement callback with final status handling see Connecting Party Callbacks.
(14) To implement order status see /api/v2/status/. Status should be requested multiple times with 3-5 seconds interval until final status will be received in response.
(16) Results of operation can be sent by Connecting Party based on internal business model or Payer’s request.

3DS Decision Making Schema

  <style>
    activityDiagram {
    BackgroundColor #Turquoise
      diamond {
        BackgroundColor #Turquoise
      }
    }
    document {
       BackgroundColor #fcfcfc
    }
    </style>
  title 3DS Decision Making Schema
    start
    : (1) Send **/api/v2/status** request\nwith orderid=**paynet-order-id**\nProcess **/api/v2/status** response;
    while ((2) Check If **status** response field equals\nto finished status values\n**status** == approved\nOR **status** == declined\nOR **status** == error\nOR **status** == unknown\nOR **status** == filtered) is (NO);
    switch ((3) **html** and **redirect-to** field is present)
    case (YES)
   #Plum :(4) Create Wait HTML Page\nwhich redirects to result page\n(3DS 2.x or 1.0.2 to be applied)\n\nSee Simplified authentication flow;
    case (NO)
  endswitch
    backward:(5) Send new\n**/api/v2/status** request\nProcess\n**/api/v2/status** response;
    endwhile (YES)
    :(6) Show result page to the Payer;
    stop
    legend left
    =Legend
    | Color | Implementation responsibility |
    |<#Turquoise>| Connecting party |
    |<#Plum>| Connecting and other party |
    | | Other Party |
    endlegend

Connecting party has to implement all steps marked in green and purple. Below are the description for steps which reference specific API commands according to the step ID:

(1) To implement order status request see /api/v2/status/. Status should be requested multiple times with 3-5 seconds interval until final status will be received in response.
(4) If html and redirect-to fields are present, see Simplified authentication flow with html page.
(5) The same as point (1).

Note

The 3DS decision making schema is showcasing 3DS being initiated and performed by Payment Gateway. 3DS is initiated by Payment Gateway and performed on Connecting Party side., see 3DS Overview

Non3D Flow

Sale transaction should be considered as non3D (no 3DS authentication) if all conditions are met:

1. Steps 1-2-(5)-6 of 3DS decision making schema were followed.
2. tds_status, html and redirect-to parameters were not present.
3. Transaction received final status (approved, declined, error, filtered).

Note

Please note that transaction status “unknown” might appear for both 3DS and non3D transactions. See details in Statuses.

Simplified Authentication Flow

<style>
document {
   BackgroundColor #fcfcfc
}
activitydiagram {
diamond {
  BackgroundColor #Turquoise
  }
}
</style>
title Simplified Authentication Flow
start
#Turquoise:(1) Send **/api/v2/status/** API request;
#Turquoise:(2) Process **/api/v2/status/** response.
Gather:
**html** parameter;
fork
#Turquoise:(3)Gather **html** parameter;
#Turquoise:(4) Return content from **html** parameter to the Payer's browser as is;
forkagain
#Turquoise:(5)Gather **redirect-to** parameter;
#Turquoise:(6)Redirect Payer to redirect URL;
endfork
:(7) Payer's browser gets redirected to ACS and Payer passes either 3DS 1.0.2 or 3DS 2.X flow.;
:(8) Payer's browser gets redirected back to **redirect_url** provided in the initial **api/v2/sale/** request.;
#Turquoise:(9) Process Payer's Browser final redirect to **redirect_url**.;
#Turquoise:(10) Return Wait HTML Page to the Payer's browser;
fork
note left
        **Wait HTML Page** lifecycle
end note
repeat
#Turquoise: (11) Request Connecting Party Server on the status of the transaction;
#Turquoise: (12) Process transaction status;
repeat while ((13) Received finished status\n(approved, declined, error, filtered or uknown)?) is (no)
-> (yes);
#Turquoise:(14) Redirect Payer's browser to the result page;
fork again
note left
        **Connecting Party Server** lifecycle
end note
#Turquoise:(15) Send **/api/v2/status/** API request;
#Turquoise:(16) Process **/api/v2/status/** response \nand follow **3DS Decision Making Schema** to analyze status response;
end fork
stop
legend left
=Legend
| Color | Implementation responsibility |
|<#Turquoise>| Connecting party |
| | Other Party |
endlegend

(1) and (2) To implement order status request see /api/v2/status/.
(9) To implement final redirect see Final redirect.
(10) The HTML wait page on Connecting Party side can have custom design and should communicate with Connecting Party server as described on the diagram.
(15) and (16) The same as point (1) and (2).