Payment Flow - End-to-End Transaction Lifecycle

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How a payment flows through OwnPay

Customer         OwnPay           Gateway          Customer
                                                   Bank
   │                │                │               │
   │─ Click "Pay" ─>│                │               │
   │                │                │               │
   │                │─ Create Payment│               │
   │                │    Intent      │               │
   │                │<─ Return URL ──│               │
   │                │                │               │
   │<─ Redirect to ─│                │               │
   │   Checkout     │                │               │
   │                │                │               │
   │─ Enter Card ──>│                │               │
   │                │─ Validate ────>│               │
   │                │                │─ Check ──────>│
   │                │                │<─ Approve ────│
   │                │<─ Success ─────│               │
   │<─ Success Page │                │               │
   │                │─ Record Payment│               │
   │                │   in Database  │               │
   │                │                │               │
   │                │─ Send Webhook ─>
   │                │   (if registered)
   │                │                │               │
   │<─ Confirmation │                │               │
   │   Email        │                │               │

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Payment States

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1. Pending

• Payment created
• Awaiting customer action
• Link sent or form displayed
• No funds charged yet

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2. Processing

• Customer submitting payment
• Gateway validating
• No result yet from gateway
• Customer sees loading spinner

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3. Success

• Gateway approved payment
• Funds authorized
• Transaction recorded
• Webhook sent (if configured)
• Customer sees success page

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4. Failed

• Gateway declined payment
• Could be:
  • Insufficient funds
  • Invalid card
  • Fraud detection
  • Temporary network error
• Webhook sent (if configured)
• Customer can retry

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5. Refunded

• Payment was successful
• Funds returned to customer
• Initiated by merchant
• Recorded in transaction history

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6. Disputed/Chargeback

• Customer disputed payment
• Gateway initiated reversal
• Funds returned
• Recorded as chargeback

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Payment Methods

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Card Payments

• Credit Cards (Visa, Mastercard, AmEx)
• Debit Cards
• Processed by payment gateway (Stripe, PayPal, etc.)

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Digital Wallets

• Apple Pay
• Google Pay
• PayPal

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Local Payment Methods

• Bank Transfer
• Mobile Money (bKash, Nagad, GCash, etc.)
• Cash on Delivery
• Manual Invoice

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Bank-Level Integration

• ACH Transfers (US)
• SEPA Transfers (EU)
• Direct Debit

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Payment Creation

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Via Payment Link

1. Admin creates payment link
2. System generates unique URL
3. Customer visits URL
4. Checkout form displayed
5. Customer enters payment details
6. Payment processed

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Via Invoice

1. Admin creates invoice
2. System sends invoice via email
3. Customer clicks payment link
4. Checkout form displayed
5. Customer enters payment details
6. Payment processed

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Via API

1. Application creates payment intent
2. OwnPay returns checkout URL or token
3. Application displays payment form
4. Customer enters payment details
5. Payment processed
6. Webhook notifies application

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Via Hosted Checkout

1. Application redirects to OwnPay
2. Customer completes payment on OwnPay-hosted page
3. OwnPay redirects customer back to application
4. Webhook notifies application of result

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Payment Processing Times

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Security

• All payment data is encrypted in transit (TLS 1.2+)
• PCI DSS compliant gateway integration
• No sensitive card data stored on OwnPay servers
• Webhook signatures for verification
• Idempotency keys prevent duplicate charges

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Further reading

• Transactions - View and filter transaction history in the admin dashboard
• Webhooks - Receive real-time payment notifications on your server
• Gateways - Configure payment gateway adapters and routing rules

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Related Pages

• Gateways - Configure payment gateways
• Transactions - View transaction history
• Webhooks - Receive payment notifications