DEVELOPER DAY

BEFORE WE START, PLEASE VISIT WWW.PAYNOW.CO.ZW AND SIGN UP

ABOUT PAYNOW Paynow is an aggregator of Visa / MasterCard / ZimSwitch Vpayments / EcoCash /

Telecash.

No need to sign up for each payment channel, with a single integration into Paynow you get access to all these payment options with more to come.

Receive your funds during daily settlement into ANY Zimbabwean Bank account, no need to visit your bank or sign up for a merchant account.

Multiple ways to use Paynow including email payment requests, buttons on your site, shopping carts or back end systems integration.

No sign up or monthly charges only a per transaction fee. Money is settled daily with no minimum settlement amount. Fees can be absorbed or passed onto the customer.

Paynow is run by Webdev and has the full backing of our partner bank, money in transit is held in trust accounts so it is legally protected and will make its way to the merchant or back to the customer.

BUYSAFE Paynow operates an escrow facility across all it’s payment channels called BuySafe.

Transactions less than $50.00 are not covered by BuySafe.

When a customer makes payment the money is held in suspense until the merchant confirms delivery.

The customer is notified by email and sms that they have 24 hours to dispute delivery.

If there is no dispute after 24 hours the money is released to the merchant.

If there is a dispute the merchant and customer are notified and if they cannot resolve the dispute the case is sent to 3rd party arbitration.

While the funds are held in suspense the merchant can refund the customer free of charge. Once the funds are released to the merchant they need to manually refund the customer.

BuySafe builds customer confidence in online shopping and the merchant.

VERIFIED MERCHANT

• To become a verified merchant you need to supply Paynow with information such as BP Number, Bank Statement and copy of the Owner’s ID.

• Once verified Paynow will add your logo to all payments building trust with the customer.

• Verified merchants are listed on a special page for customer’s to browse.

• Verified merchants also get access to international Visa and MasterCard which do not have Verified by Visa and MasterCard Secure Code.

• Large corporates can also apply to be premium merchants and give a business case to justify increased limits on international payments and possibly a different fee structure or price.

LOGIN

• Guest Users only have to enter their email address to receive transaction update information, there is no need to register to make payment on Paynow.

• Registered users can receive money but also can browse their transaction history.

SIGN UP ON PAYNOW

• Sign Up is open to everyone, all you need is an email address.

• Any paynow account can receive payment.

• Even if you are only making payment it is worth signing up as a Consumer to keep better track of your transactions

SETUP PAYMENT BANK ACCOUNTS

SETUP PAYMENT BANK ACCOUNTS

SETUP PAYMENT BANK ACCOUNTS

RECEIVE PAYMENTS

MAKE PAYMENTS

EMAIL PAYMENT REQUEST

EMAIL PAYMENT REQUEST

SIMPLE EMAIL PAYMENT REQUEST

MAKE PAYMENT

MAKE PAYMENT

TEMPLATE EMAIL PAYMENT REQUEST

TEMPLATE EMAIL PAYMENT REQUEST

ADD NEW TEMPLATE LINE

• Type can be Text, Select or Autocomplete.

• Value is dependant on Type:• Text: Default Value.• Select: comma separated list eg Yes,No.• Autocomplete: Url to call to retrieve a

JSON list of strings, this is not key/value but a list of string items.

• Validation can either be selected from the list or set to custom and then you can enter a REGEX which the input string must conform to.

• Comment will appear below the field on the form

ADVANCED EDIT TEMPLATE OPTIONS

Can optionally set a default amount and lock it so the customer cannot change the amount even if the other form fields are left unlocked in a payment request.

If you select Use Quantity you must enter an amount and then the system will ask the user to enter a quantity when completing the payment form.

ADVANCED EMAIL GENERATOR

ADVANCED PAYMENT FORM

BUTTON (HTML CODE SNIPPET)

BUTTON (HTML CODE SNIPPET)

SIMPLE SHOPPING CARTS

SIMPLE SHOPPING CARTS

PAYNOW BUTTONS, PAYNOW CART

PAYNOW BUTTONS, PAYNOW CART

ADVANCED OPTIONS FOR CART

PAYNOW HOSTED CART

PAYNOW HOSTED CART

ADVANCED INTEGRATION

ADVANCED INTEGRATION

Transaction updates will be sent to the Notification Email.

In the majority of cases Notification URL is not required, each transaction will have its own URLs generated when the transaction is created.

INTEGRATION ID AND KEY

• For security reason the integration key is emailed to the registered address.

• It is recommended you generate a new key when moving from a development server to live.

• When you are happy with your integration click Request to be Set Live, Paynow support will check that at least one successful test transaction is performed before taking you out of test mode.

TESTING: FAKED SUCCESS

Only the merchant can perform a test transaction, any other users will be blocked.

Select TESTING: Faked Success to complete the transaction and return to the merchant site.

No money is moved so the merchant can test easily.

LETS GET TO THE CODE…

HYPERCUBE HUB SERVER

http://192.168.100.187Can be accessed from the HyperCube Hub Wifi and will work with internal IP Addresses so no need to be on a public IP Address to test your integration.

We will leave the server here so anyone can come back any time to integrate and test.

DEVELOPER RESOURCES

https://www.paynow.co.zw/Home/developersFor documentation.

http://developers.paynow.co.zw/For examples and prebuilt modules.

API PROCESS FLOW

MERCHANT SITE

1 – Call Initiate Transaction

7 – Poll Paynow for statusPAYNOW

2 – Reply with urls

4 – Client makes payment5 – Announce result to merchant serverCLIENT’S BROWSER

3 – Redirect clients browser

6 – Redirect client back to merchant site

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