ZEN API documentation
Go to zen.comGo to myZEN.com
Documentation
  • Sandbox
  • Plugin integration
  • Checkout integration
  • API reference
  • API transfers
  • Merchant panel
  • Brandbook
Go to zen.comGo to myZEN.com
Documentation
  • Sandbox
  • Plugin integration
  • Checkout integration
  • API reference
  • API transfers
  • Merchant panel
  • Brandbook
  1. Introduction
  • About ZEN
    • First steps with ZEN
    • Who we are
    • What we provide
    • How we provide
  • Introduction
    • Definitions
    • About API integration
    • Revenue strams
    • Environments
    • Authorization & Authentication
    • Payment methods
    • Payment process
    • Currencies
    • Languages
  • Account registration & configuration
    • Before you begin
    • Registration
    • Configuration
    • Merchant's panel
    • Payments setup
    • Locating Transactions in my.zen.com
    • Finding settlements
  • Features
    • Available features
    • 3-Domain Secure (3DS)
    • Account Funding Transactions (AFT)
    • Address Verification Service
    • Authorization fee
    • Card widget
    • Cashback
    • Currency Conversion Service
    • Fraud collector (fingerPrintId)
    • Instant Payment Notification (IPN)
    • Payment Link
    • Shop logo on ZEN.COM checkout
    • Reports
  • Integration
    • Response codes
    • Error codes
    • Prepare the communication
    • Available Payment methods
    • Purchase Transaction
    • Refund Transaction
    • Payout Transaction
    • Transaction status check
    • Saving and tokenizing cards
    • Customers and cards management
    • One-click Payments
      • One-click Blik Payments
      • One-click card Payments
      • One-click Apple Pay Payments
      • One-click Google Pay Payments
    • Recurring Payments
      • Blik recurring Payments
  1. Introduction

Payment process

payment process.jpg
Before you begin integrating with ZEN.COM, it is important that you familiarize yourself with the Transaction flow within our Payment system. Understanding how a Payment Transaction is processed and how you will be notified of changes in its status is essential for a successful integration.
ZEN.COM supports many Payment methods and Payment channels that are different in the exact mode of operation. This section describes what a standard workflow looks like.
Main transaction statuses:
1.
New: new, unprocessed transaction
2.
Pending: awaiting status
3.
Authorized: transaction authorized
4.
Accepted: transaction accepted
5.
Rejected: transaction rejected
6.
Canceled: transaction canceled
image-03-1024x764.png
1
Authorization request
ZEN.COM Payments begin with an authorization request. ZEN.COM then directs Customers (or their payment data) to the selected Payment operator.
2
Payment statuses
The Payment is now PENDING. Once it is verified, you receive an IPN (Instant Payment Notification) that informs you of the Payment’s status: AUTHORIZED, CANCELED, REJECTED, or ACCEPTED
3
Payment accepted
If instant authorization is not available, the IPN may come with the PENDING status. If this happens, you should wait for the IPN with the final authorization status.
4
Settle
Accepted Transactions are settled to your ZEN.COM IBAN account. Rejected Transactions also contain a rejection reason code, which you can use to verify why the Payment was not successfully processed.
At ZEN.COM, we offer a much more simplified transfer flow compared to traditional ones. You can skip the settlement payout part of payment processing and receive your money directly to your ZEN.COM IBAN bank account.
image-01-887x1024.png
The ZEN.COM API integration features were built to provide Customers with the best shopping experience, minimizing the effort to pay for the Transaction. ZEN.COM API integration is using embedded Payment methods as well as the ZEN.COM hosted Payment site / external Payment site, that allows your Shop to securely accept Payments online. The final flow depends on selected Payment method and type of integration.
How does it work?
Embedded Payment
Embedded Payment flow using full API integration is fully configurable. Presented flow may vary.
Blik user-case
Saved card user-case
1
Payment option
The Merchant provides the Customer with the option to make a Payment using the ZEN.COM Payment system in the Shop.
blik1.jpg
2
Payment channel selection
The Customer selects the Payment channel by clicking on it's corresponding link / icon.
blik2.jpg
3
T-6 code entering
The Customer enters the T-6 Blik code for Payment authorization and proceed Payment.
blik3.jpg
4
Data validation
The ZEN.COM Payment system validates the provided Transaction parameters, and if they are correct, it allows the Customer to authorize the Transaction in Bank app.
5
Payment authorization
If the Customer successfully authorizes the Transaction, it is confirmed by the ZEN.COM Payment system.
6
Payment notification
ZEN.COM sends Merchant the success status notification. Merchant displays success page for Customer.
Payment flow chart
Redirected Payment
Modified at 2024-12-10 10:28:27
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