Payment process - Checkout documentation

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:

New: new, unprocessed transaction

Pending: awaiting status

Authorized: transaction authorized

Accepted: transaction accepted

Rejected: transaction rejected

Canceled: transaction canceled

Authorization request

ZEN.COM Payments begin with an authorization request. ZEN.COM then directs Customers (or their payment data) to the selected Payment operator.

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

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.

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.

The ZEN.COM Checkout was built to provide Customers with the best shopping experience while minimizing the development work required from the Merchant. ZEN.COM checkout integration is using the ZEN.COM hosted Payment site, that allows your Shop to securely accept Payments online.

How does it work?

Payment option

The Merchant provides the Customer with the option to make a Payment using the ZEN.COM Payment system in the Shop.

Payment initiation

Customer clicks on the Payment link and the Payment Transaction initiates. New checkout session is created by providing an unique URL that redirects Customer to the ZEN.COM checkout. On this page the Customer can find the summary of the registered Transaction and a list of available Payment methods that the Customer can use to complete the Payment for the Transaction.

CAUTION

Each Transaction has a defined validity period. If the Customer clicks the Payment link after this period has expired, the Payment process will not be possible.

Payment channel selection

The Customer selects the Payment channel by clicking on it's corresponding link or enter the payment details on the checkout page.

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.

Payment authorization

If the Customer successfully authorizes the Transaction, it is confirmed by the ZEN.COM Payment system.

Payment notification

ZEN.COM sends Merchant the success status notification and the Customer is redirected to the Merchant's success page.

Payment flow chart