Transaction Processing Flow

Transaction Module

The Transaction API Module enables processing of available payment methods for a merchant in the CURO system.

📘
Live Transaction Requirements
Processing of live transactions is only possible when:

The Merchant account is pending or approved

The website is pending or approved

The payment module is enabled for the website

Transaction Statuses

Transactions in the CURO system can have the following general status:

registered — This is the state after a transaction was registered via the API. If there is no update within 15 minutes the transaction will automatically be expired.
pending — Status indicating the transaction is still pending.
success — Transaction was completed successfully.
failure — The transaction failed.
cancel — The transaction was cancelled by the payment method or the consumer.

Processing Flow

Below is a simplified schematic overview of the recommended processing flow of transactions using this API.

Step	Description
1	Consumer selected a payment method and clicks Pay button in the webshop.
2	Webshop payment script calls this API to register the transaction.
3	If required CURO will prepare or register information with our partner for the chosen Payment Method.`Response` is sent back to the Webshop containing: `action=redirect` and the `url` value. If not all required parameters are supplied, the `url` can also be a url to the CURO payment pages. These pages can be styled with the shop logo and colors.
4	Webshop redirects the consumer to the received URL; consumer ends up on the selected Payment Method's page.
5	Consumer authenticates the transaction which is processed by the Payment Method.
6	After processing the Payment Method forwards the user back to CURO where the transaction status is determined.
	🚧 Warning: Depending on the Payment Method and transaction status CURO will start a process to check the transaction status until a final status is reached. 6a Retrieve transaction status from Payment Method. 6b Check if final status is reached or transaction has expired. 6c Call `url_callback` with final status.
	✅ Success: Although it is possible to retrieve the transaction status via this API, the recommended way is using the `url_callback` to automatically receive status updates! The API will always call the `url_callback` (and wait for a response) before the consumer is redirected to the landing page so, if there are no issues somewhere in the chain, the payment status in the webshop will always be updated when the consumer returns.
7	Consumer is redirected back to the Webshop (`url_success`, `url_failure` or `url_pending` depending on the current transaction status). 🚧️ Warning: Additional `GET` arguments will automatically be appended to this URL: `status`, `code` and `reference`.