Payment flows

Mobile Money

Our mobile money payment integration allows your customers to select Mobile Money as their preferred payment method. The system will then present them with an array of available payment options, allowing them to choose their preferred Mobile Money provider.

Once the customer selects their choice of payment and confirms, a payment request is initiated. The process involves a series of data exchange between your platform, Ubiqpay, and the selected Mobile Money provider.

Here's an overview of the payment process flow:

Mobile Money payment flow

1. The customer selects Mobile Money.
2. The merchant retrieves payment options.
3. Ubiqpay returns available payment options.
4. The merchant displays the available payment options.
5. The customer selects a payment option and confirms their choice.
6. The merchant sends a payment request.
7. Ubiqpay initiates the payment.
8. The provider returns a payment response.
9. Ubiqpay returns payment details along with the current status.
10. The provider sends a USSD Push or an SMS to the customer for payment confirmation.
11. The customer confirms the payment by entering their PIN code.
12. The provider sends a callback status.
13. Ubiqpay sends a callback status.
14. The merchant notifies the customer of the payment status.

Mobile Money w/ voucher or OTP code

Some Mobile Money payment methods include the use of a voucher or One-Time Password (OTP) code. These extra steps ensure the transaction is carried out securely, providing an additional layer of protection against fraudulent activities.

Here is the detailed flow for payment methods that require an OTP:

Mobile Money payment flow w/ voucher or OTP

1. The customer selects Mobile Money.
2. The merchant retrieves payment options.
3. Ubiqpay returns available payment options.
4. The merchant displays the available payment options.
5. The customer selects a payment option with a required voucher / OTP code
6. The customer requests a new voucher / OTP code by dialling a USSD shortcode or accessing a mobile app
7. The provider sends an SMS containing the voucher / OTP code
8. The customer enters the code into an input field
9. The customer confirms the payment
10. The merchant sends a payment request.
11. Ubiqpay initiates the payment.
12. The provider returns a payment response.
13. Ubiqpay returns payment details along with the current status.
14. The provider sends a USSD Push or an SMS to the customer for payment confirmation.
15. The customer confirms the payment by entering their PIN code.
16. The provider sends a callback status.
17. Ubiqpay sends a callback status.
18. The merchant notifies the customer of the payment status.

Supported Mobile Money operators

• Orange Money (Ivory Coast)

Example: Orange Money (Ivory Coast)

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Voucher code

The voucher / OTP must be included in the payment request in a field called voucher with the other details.

Card

Here is the detailed flow for card payment with direct flow:

1. The customer enters card details and confirms the payment
2. The merchant sends a payment request containing: payment, billing and browser details
3. Ubiqpay initiates the payment
4. The provider returns a payment response
5. Ubiqpay returns payment details along with the current status and payment URL
6. The merchant redirects the customer to the payment URL
7. The customer validates the payment via a 3D Secure authentication method
8. The provider redirects the customer to the merchant's website
9. The provider sends a callback status
10. Ubiqpay sends a callback status
11. The merchant notifies the customer of the payment status

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Iframe

You can embed the payment URL into an iframe, but we strongly advise redirecting the customer instead. Most providers do not support iframes for security reasons. Moreover, even if iframes function properly now, we cannot guarantee their continued compatibility in the future.

Redirected Payment Flow: From Merchant to Provider

This approach involves redirecting a customer from the merchant's website or app to a trusted payment provider's platform. Whether it's a credit card transaction, a bank transfer, or another payment method, the essence of this process is to offer a reliable and secure environment for completing the transaction.

Here is the detailed flow for card payment with redirect flow:

Redirected Payment Flow

Redirected Payment Flow Process:

1. The customer chooses their desired payment option on the merchant's platform.
2. The merchant sends a payment request to Ubiqpay.
3. Ubiqpay initiate the payment
4. The payment provider responds with either a direct link or instructions that include a link or an iframe for payment.
5. Ubiqpay sends back a response to the merchant containing payment link or instructions
6. Merchant Action:
   1. If the provider sends a direct link, the merchant redirects the customer to this link.
   2. If the response contains instructions, the merchant displays these to the customer, which may include a link or an iframe for them to follow or view.
7. Once redirected to the payment provider's page, the customer inputs the necessary details to finalize the payment.
8. After successful payment, the payment provider redirects the customer back to the merchant's platform.
9. The provider sends a callback status
10. Ubiqpay sends a callback status
11. The merchant notifies the customer of the payment status