The following options for token payments as ECOM transactions are possible:

  1. Payment by the button built into the online -store mobile app (InApp scheme).
  2. Payment in the browser (Web scheme), while receiving of encrypted package with payment data and a token is performed on the side of the Assist payment pages.
  3. Payment in the browser (Web scheme), while receiving of encrypted package with payment data and token is performed on the page of the online store.

If the customer chooses to pay using Apple Pay or Google Pay in a browser on a device that does not support such payment type, then IPS Assist (if configured appropriately) can display a special QR code on the payment page. The customer will be asked to use another suitable device to read this QR code and successfully complete the payment.


Payment by a token on the IPS Assist payment page

When you pay by the Samsung Pay token on the IPS Assist payment page, the following actions are performed:

  1. The buyer selects the product or service on the online store site and presses the pay button, after which the store redirects the buyer to the IPS Assist payment page.
  2. The buyer can press the button of token payment on the IPS Assist payment page.
  3. Special plug-in Samsung Pay requests SamsungID of the user.
  4. The plug-in sends a payment request to the Samsung Pay server.
  5. Samsung Pay server sends a PUSH notification to the mobile device of the buyer.
  6. The buyer selects one of the attached cards.
  7. The buyer confirms the payment (PIN or fingerprint).
  8. The mobile device transmits data to the Samsung Pay server.
  9. The IPS Assist receives an encrypted packet with a token and payment data from the Samsung Pay server.
  10. The IPS Assist decrypts the packet with the token and payment data.
  11. The IPS Assist performs payment by a token through the processing of a settlement bank.
  12. The IPS Assist returns the results of payment to the online store site.

When you pay by the Google Pay token on the IPS Assist payment page, the following actions are performed:

1.The buyer selects the product or service on the online store site and presses the pay button, after which the store redirects the buyer to the IPS Assist payment page.*

2.If the user opens the IPS Assist payment page on a mobile device in a browser and the Google Pay application is installed on this mobile device, he will see and can to click the Google Pay payment button.

3.After clicking the Google Pay payment button, a special dialog opens, where the buyer can select one of the cards added to the Google Pay mobile app.

4,After selecting the card, the buyer has to pass verification to confirm the payment.

5.Google Pay app creates an encrypted package with a token and payment data and returns it to the IPS Assist.

6.The IPS Assist decrypts the packet with the token and payment data.

7.The IPS Assist makes payment through the processing of the settlement bank in one of the following ways:

8.The IPS Assist returns the results of payment to the online store site.

*Attention! When using an iframe to display the payment page of the IPS Assist and the payment via Google Pay, you have to add the allowpaymentrequest permission.

Example: <iframe allowpaymentrequest  src="...">.

When you pay by the Apple Pay token on the IPS Assist payment page, the following actions are performed:

The buyer selects the product or service on the online store site and presses the pay button, after which the store redirects the buyer to the IPS Assist payment page.*

If the user opened the IPS Assist payment page on a mobile device in a browser with Apple Pay SDK support, and the Apple Pay application is installed on this mobile device, he will see and be able to click the Apple Pay button.