Mobile

Card Payments In Mobile Apps

The implementation sequence for Card Payments in mobile apps is identical to the standard Redirect scenario, but also includes explanations of how to include this redirect in mobile apps or in mobile web pages.

How It Looks

You will redirect the payer to Swedbank Pay hosted pages to collect the card information.

Transactions in SEK will have an option for selecting debit or credit card:

API Requests For Payments

The API requests are displayed in the purchase flow. You can create a card payment with following operation options:

• Purchase
• Recur
• Verify

Our payment example below uses the Purchase value.

Sequence Diagram For Mobile

The sequence diagram below shows a high level description of a complete purchase, and the two requests you have to send to Swedbank Pay. The links will take you directly to the corresponding API description.

When dealing with card payments, 3-D Secure authentication of the cardholder is an essential topic. There are two alternative outcomes of a credit card payment:

• 3-D Secure enabled - by default, 3-D Secure should be enabled, and Swedbank Pay will check if the card is enrolled with 3-D Secure. This depends on the issuer of the card. If the card is not enrolled with 3-D Secure, no authentication of the cardholder is done.
• Card supports 3-D Secure - if the card is enrolled with 3-D Secure, Swedbank Pay will redirect the cardholder to the autentication mechanism that is decided by the issuing bank. Normally this will be done using BankID or Mobile BankID.

sequenceDiagram
    participant Payer
    participant Merchant
    participant SwedbankPay as Swedbank Pay

    activate Payer
    Payer->>-Merchant: start purchase
    activate Merchant
    Merchant->>-SwedbankPay: POST /psp/creditcard/payments
    activate SwedbankPay
    note left of Merchant: First API Request
    SwedbankPay-->>-Merchant: payment resource
    activate Merchant
    Merchant-->>-Payer: authorization page
    activate Payer
    note left of Payer: redirect to SwedbankPay
    Payer->>-Merchant: access merchant page
    activate Merchant
    Merchant->>-SwedbankPay: GET <payment.id>
    activate SwedbankPay
    note left of Merchant: Second API request
    SwedbankPay-->>-Merchant: rel: redirect-authorization
    activate Merchant
    Merchant-->>-Payer: display purchase result

sequenceDiagram
    participant Payer
    participant Merchant
    participant SwedbankPay as Swedbank Pay

    activate Payer
    Payer->>-Merchant: start purchase
    activate Payer
    Merchant->>-SwedbankPay: POST /psp/creditcard/payments
    activate Merchant
    note left of Payer: First API request
    SwedbankPay-->-Merchant: payment resource
    activate SwedbankPay
    Merchant-->>-Payer: authorization page
    activate Merchant
    Payer->>-SwedbankPay: access authorization page
    activate Payer
    note left of Payer: redirect to SwedbankPay
    SwedbankPay-->>-Payer: display purchase information
    activate SwedbankPay
    Payer->>Payer: input creditcard information
    Payer->>-SwedbankPay: submit creditcard information
    activate Payer

        opt Card supports 3-D Secure
        SwedbankPay-->>-Payer: redirect to IssuingBank
        activate SwedbankPay
        Payer->>IssuingBank: 3-D Secure authentication process
        Payer->>-SwedbankPay: access authentication page
        activate Payer
        end

    SwedbankPay-->>-Payer: redirect to merchant
    activate SwedbankPay
    note left of Payer: redirect back to merchant
    Payer->>-Merchant: access merchant page
    activate Payer
    Merchant->>-SwedbankPay: GET <payment.id>
    activate Merchant
    note left of Merchant: Second API request
    SwedbankPay-->>-Merchant: rel: redirect-authorization
    activate SwedbankPay
    Merchant-->>Payer: display purchase result
    activate Merchant

        opt Callback is set
        activate SwedbankPay
        SwedbankPay->>SwedbankPay: Payment is updated
        SwedbankPay->>Merchant: POST Payment Callback
        activate SwedbankPay
        end