Customer checkout flow

The following steps show the standard checkout flow when a customer shops online and selects HeidiPay as payment method.

Merchant checkout

Customers selecting "Pay in instalments" at checkout are redirected to the HeidiPay checkout page. The checkout is completed in one minute in a few simple steps:

1. Select payment plan

The customer selects the number of monthly payments and needs to agree to HeidiPay's terms & conditions and privacy policy to continue.

2. Enter verification code

To authenticate themselves, the customer is asked to enter the verification code received by text message.

3. Confirm address

The address of the customer entered during the merchant checkout is displayed and needs to be confirmed.

4. Enter card details

The customer enters their card details and confirms the payment.

5. All done, order complete!

The order is now complete and the customer is redirected back to the merchant's site, where they see their order confirmation. The customer also receives an email confirmation from HeidiPay.

 

 

3-D Secure verification

3-D Secure is a security protocol – launched by Visa and backed by MasterCard & American Express that helps to prevent fraud in online card transactions. To guarantee the security of card payments, 3-D Secure requires customers to complete an additional verification step with the card issuer when paying online.

When customers enter their payment details in the HeidiPay checkout, they get redirected to their card provider’s 3D secure web page to authenticate themselves by either:

• SMS: Entering a one-time authentication code that is sent to their mobile phone
• App: Authorizing the transaction on their credit card issuer’s (bank) app
• Password: Entering the password that they have previously set up with their bank

 
What to do if a customers doesn't have 3-D Secure enabled?
Customers can register their credit card for the 3-D Secure process. They can find instructions on how to do so on their bank's website. See below a list on where to find 3-D Secure instructions.