Cards

Source Parameter

The possible values for the source parameter for cards are listed below:

• customer
• business
• internal
• gateway
• issuer_bank

Step Parameter

The possible values for the step parameter, along with the description, are listed below:

1. payment_initiation
   Your system initiates and sends the payment request to our server. Our server validates your request, creates the payment flow and forwards the request to the Gateway.

2. card_enrollment_check
   Upon receiving a request from Curlec, Gateway sends the enrollment check request to the bank for the enrollment of the card check.

3. payment_authentication
   The bank verifies the enrollment of the card, and then requests the authentication of the customer by sending 3DS URL and OTP to the customer.

   • 3DS URL
     Bank sends the Authentication (3DS URL), which is routed through Gateway > Curlec > Customer.

   • OTP
     The bank sends the OTP to the customer’s mobile directly. The customer enters the valid OTP within the time on the bank's OTP page.

4. payment_authorization
   Once the customer has completed the authentication, the bank authorises the release of the funds. The authorisation status is communicated to the Gateway which in turn communicates the same to Curlec.

5. payment_capture
   Once the payment is successfully authorised, Curlec sends the capture request to the Gateway which in turn sends the same to the bank to capture the authorised payment.

FPX

Source Parameter

The possible values for the source parameter for FPX are listed below:

• customer
• business
• internal
• issuer_bank

Step Parameter

The possible values for the step parameter, along with the description, are listed below:

1. payment_initiation
   Your system initiates and sends the payment request to our server. Curlec sends the bank URL back to you.

2. payment_authentication
   The customer logs into his bank account and completes the transaction.

3. payment_authorization
   Upon successful authentication, bank authorises the release of funds and notifies Curlec. Curlec in turn, notifies the business.

Wallet

Source Parameter

The possible values for the source parameter for wallet are listed below:

• customer
• business
• internal
• issuer

Step Parameter

The possible values for the step parameter, along with the description, are listed below:

1. payment_initiation
   Your system initiates and sends the payment request to our server. Our server sends the same request to the Bank/Gateway.

2. payment_eligibility_check
   Curlec sends the eligibility check request to the issuer to determine if the entered customer information is correct.

3. payment_authentication
   Customer authenticates the payment using OTP provided by the issuer.

4. payment_authorization
   Issuer authorises the release of funds and sends confirmation to Curlec.