The document describes the online payment process for a merchant website. When a customer places an order, they are redirected from the merchant site to a payment gateway. The gateway then redirects the customer either to a credit/debit card payment page or to select a net banking option to provide payment details. The bank's payment module processes the transaction and sends a response back to the merchant site with a transaction reference and status code.

1. MPPMCL
(Merchant's Web site)
Payment Module of Bank
The Customer Places the
order from Merchant's web
site
The site gathers information
and redirects to Payment
Gateway Provider.
Secured
redirect
Info is sent using
pre-defined format
Redirects to a payment
gateway of a
Credit/Debit Managing
Company
(e.g. citibank)
Payment Gateway sends response back to
Merchant's site with the transaction
reference and status code
NetBanking
or Credit /
Debit Card
NetBanking
Shows a form asking for
payment details like Card type
(Visa/Master) Card Number,
Expiry date, CVV
Redirects to Bank’s
specific payment
module
Credit / Debit Card
Payment Gateway
Shows the list of
NetBanking Banks and
ask to choose one
Bank’s Payment Module sends
response back to Merchant's site
with the transaction reference
and status code
Cancel
Payment
Generates response based upon
status code received
Checks if the
information
provided is
complete
It displays a form with option
of NetBanking or Credit /
Debit card. This form can be
customized by Merchant
No
Payment Gateway Provider
Yes