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If you do not find a payment system in the list of available ones, you can set up any other payment system using the OpenTrade Commerce services interaction protocol.

2.Overview

OpenTradeCommerce provides a protocol that enables the contractor to integrate payments methods unavailable to OpenTradeCommerce customers into the order and funds flow management system.

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Terminology

• “OpenTrade Commerce” means an order and funds flow management system. Billing.

• “Contractor” means an OpenTradeCommerce customer.

• “Payer” means a contractor’s Web-resource user that makes a payment.

• “PS” means a payment system.

Setup

In order to set up a payment system using a protocol provided you will need to:

• Be an OpenTradeCommerce customer

• Submit a service request for custom PS integration to OpenTrade Commerce technical support

• Receive a payment secret (3.3.1). Subsequently the contractor is responsible for protecting information from disclosure.

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3. General protocol description

 Image Added

A flowchart of interaction of all parties involved in payment process

The interaction process is a generalized example. There is a certain amount of flexibility in how these phases are implemented and when they occur in real-life situations of interaction.

Below is the step-by-step description of interaction process.

3.1. An example of interaction between Payer, Payment System, Contractor and OpenTrade Commerce when making payment.

Step 1. The payer initiates the payment process.

Step 2-4. The contractor’s website will ask OpenTrade Commerce for payment methods using the GetPaymentModes method and show them to the payer. 

Step 5. The payer will then select a payment method and enter payment data such as amount of payment, etc.

Step 6. The contractor’s website will request OpenTrade Commerce accounting information to initiate a payment through PS using the GetPaymentParameters method.

Step 7. OpenTrade Commerce will send back the payment data in response to the GetPaymentParameters method invocation.

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<?xml version="1.0" encoding="utf-8"?>
<PaymentFormAnswer>
  <ErrorCode>Ok</ErrorCode>
  <Result>
    <RequestMethod>POST</RequestMethod>
    <RequestUrl>http://example.com/test.php</RequestUrl>
    <Parameters>
      <Parameter>
        <Name>paymentId</Name>
        <Value>222</Value>
      </Parameter>
      <Parameter>
        <Name>userId</Name>
        <Value>0000000001</Value>
      </Parameter>
      <Parameter>
        <Name>amount</Name>
        <Value>500.15</Value>
      </Parameter>
      <Parameter>
        <Name>currency</Name>
        <Value>643</Value>
      </Parameter>
      <Parameter>
        <Name>description</Name>
        <Value>Top up the account USR-0000000001 (user 0000000001, payment 222)</Value>
      </Parameter>
    </Parameters>
  </Result>
</PaymentFormAnswer>

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Step 8. The contractor will generate a payment form in accordance with the payment system requirements on the basis of the data provided in Step 7.

Step 9. After you have provided all the required data by filling out the form the payment system will form a contract, send it to the payer and ask to confirm the payment.

Step 10. The payer will confirm the payment.

Step 11. The payment system will accept and verify the payment.

Step 12. The payment system will return a response to the payer’s browser with the result of the payment (successful/failed).

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