Process Workflow

Using the API integration you need to care about four process participants:

  • your customer

  • your website

  • our secuconnect API

  • our Smart Checkout

This is the process if the final confirmation can be handled by Smart Checkout (with auto_capture):


The customer details can be passed to the Smart Transaction in the beginning.

The payment authorisation can be more complex than you can see here. It can contain:

  • the selection of a payment method

  • to enter credit card details

  • to enter bank details and give a SEPA direct debit mandate

  • to make a 3-D Secure check for credit card payments, if required

  • to visit the PayPal payment page

Everything in this process is managed by our Smart Checkout, and you don't need to card for the details. The customer will only be prompted for the required decisions and details.

This is the process if the final confirmation must be handled back at the merchant's website (with explicit capture):


The only difference is in the final confirmation on your website. It requires another API call to start the Smart Transaction and capture the payment.