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The general scheme of interaction between merchant and Internet Payment System Assist (IPS Assist) is shown on the picture:

1. The buyer customer creates the order on the pages of the merchant's web-shop. The new order number, the payment amount and the currency are assigned to order in the enterprise's system. The buyer The customer is being redirected to the payment pages of IPS Assist with necessary payment parameters after pressing the «Buy» button.
2. The Order with unique number (billnumber) and passed parameters is created in IPS Assist after receiving the authorization request. Personal data (the order parameters) can be provided within the request or prompted on the IPS Assist payment pages.
3. The buyer The customer choices the way of payment (bankcard, electronic wallet ...). This creates the operation in IPS Assist. The first operation is a payment operation. The buyer  The customer provides the payment details and presses «Charge» button. The payment amount and currency are defined depending of provided value of the original amount, the original currency of the order, and the merchant and the processing settings.

4. The transaction is being created in the IPS Assist after receiving and defining all payment details. The created transaction is being sent to the processing center. Depending on the replay from the processing center (successfully or not the authorization has passed) the transaction, the operation and the order in the IPS Assist change their status. After successful payment operation the order status became «Approved». There can be only one successful payment operation in the order (except payment with bonus points). 

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   title Learn more about using bonus points.
   IPS Assist can create additional payment operation (by THANK YOU bonus points) in case when the card of SberBank (involved in the THANK YOU from Sberbank Bonus Program) was used in the order payment process.

5. The IPS Assist sends the financial transactions to the processing center by the all successful payment operations.

6. When it is necessary the merchant can cancel the order and return the money to the buyer the customer bankcard. For the order canceling the enterprise should initialize the cancel operation (it can be done from Account or by calling WEB-interface). The cancellation operation can be initialized either before or after financial the transaction (settlements) sending. The IPS Assist will automatically determine a type of transaction that should be created in each specific case. 

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   title If there was an accrual of bonus points
   If within the order there was an accrual of bonus points, then the necessary transactions for canceling the accrual of a bonus will be automatically created.

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