Pay by Card - Direct Payment (PCI-DSS compliant only)

Initiate a Direct Payment (PCI-DSS compliant only)

Endpoint: POST /v2/moneyins/card/direct/3dinit

Direct Payment

Used when Partners choose to process payments using their own payment page. This mode is usually preferred when Partners want to avoid their users being redirected to another URL outside their network.

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Note

Partners using this mode are obliged to maintain a high level of network security and be PCI-DSS certified.

sequenceDiagram
  participant Customer
  participant Partner
  participant Lemonway
  participant Acceptor
  participant Bank

  Customer->>Partner: Wants to pay by card
  Partner->>Lemonway: Payment request
  Lemonway->>Lemonway: Format and business verifications
  Lemonway->>Lemonway: Transaction and token generation

  Lemonway->>Acceptor: Create payment
  Acceptor-->>Lemonway: Send 3DS v2 authentication URL
  Lemonway-->>Partner: Id, actionUrl
  Partner-->>Customer: Redirect to actionUrl
  Customer-->>Lemonway: Browser redirection

  Lemonway->>Lemonway: Retrieve transaction with token (in actionUrl)
  Lemonway-->>Customer: Redirect to 3DS v2 authentication URL
  Customer->>Bank: Strong Customer Authentication
  Bank-->>Customer: Authentication status
  Customer-->>Lemonway: Redirect URL + authentication status

  Lemonway-->>Customer: Redirect to Partner returnUrl
  Customer-->>Partner: Redirected to returnUrl

  Partner->>Lemonway: Check authentication status (optional)
  Lemonway-->>Partner: Authentication status

  Partner->>Lemonway: Payment validation with Id
  Lemonway->>Acceptor: Validate payment
  Acceptor-->>Lemonway: Redirect URL + payment status

  Lemonway->>Lemonway: Update transaction
  Acceptor->>Lemonway: POST notification
  Lemonway-->>Partner: Send payment status
  Lemonway->>Partner: POST notification
  Partner-->>Customer: Redirect to success/error URL