¶ Glossary
Charged payment - Payment that is deducted from the users gift card
Vendor - A company who accepts payment with gift cards from iGive
Pay API - APIs to integrate webshops with iGive Pay
Pay Web - The UI from which end-users will make payments using iGive gift cards01. Full payment
¶ Full payments
When users select the option to pay with gift card(s) in a webshop, they will be redirected to the iGive Pay interface. From this interface users will get two options:
1. Enter their mobile phone number to access their digital gift card(s)*.
- This will trigger a request to the Card Administration System (CAS) in order to fetch gift cards details, including the available balance.
- In order to fetch these details, the end-user will first have to authenticate their identity via the iGive mobile app. The user can verify their identity using biometric ID or by providing a pin code. Please note that this requires the user to have installed and activated the iGive mobile app.
- Once the user has been identified, iGive Pay will automatically present the available balance and enable the end-user to initiate the payment.
* Gift card payments using mobile phone number will be launched in next phase of iGivePay. ETA: Q2 2022.
2. Enter gift card number and CVC code of their gift card(s).
- The user can enter more than one gift card in this option. Once the gift card details of the first card have been entered, the user will be able to add another gift card if they own more than one gift card for the webshop they are making the purchase in.
- When the user adds their gift card(s), iGive Pay will automatically fetch card balance and present it for the user in the same interface so the user can initiate the payment process.
As long as the due amount is lower than, or the same as the total balance available in the gift card(s), the user can make the payment in full in a similar fashion to the default checkout of the webshop (where the user provides their Visa or MasterCard details).
iGive Pay will in this scenario inform the webshop via Pay API that the payment status is set to ‘charged payment’. When the webshop receives the payment status as a verification, the webshop will initiate the default order fulfillment process and offer their customer (end-user) order confirmation and receipt of their payment.
¶ Partial payments
In the given scenario where the end-user does not have enough balance in their gift card(s), the iGive checkout process will differ slightly from the full payment checkout process.
The end-user will still be offered the same two options:
- Enter their mobile phone numbers to access their digital gift card(s)
- Enter their gift card number and CVC code to add gift card(s)
The primary difference in the checkout process between full and partial payment occurs after the gift card balance has been calculated; from where the checkout process will involve both iGive Pay and default checkout process of the webshop.
If the available balance in the gift card(s) is lower than the due amount in the checkout, iGive Pay will trigger different actions to offer a secure and successful payment process for both the webshop and the customer:
For payments with digital and physical gift cards, the following steps will be added to the checkout process:
- Clearly present that the gift cards have lower balance than the due amount
- When the user initiates the payment, iGive Pay will charge (charged payment) the available amount in the gift card(s)
- When the gift card balance has been charged the customer will be redirected to the default checkout page of the webshop
- User will provide required payment information and submit the payment
- When the payment service provider (PSP) has processed the payment, the webshop will receive confirmation of successful payment of total amount in full and initiate the default order fulfillment process
The below figure demonstrates the checkout process for partial payments:
