Integration

Easy process

The process is as follows:

1. Sign up as a merchant

2. When your application has been approved you will receive a username and password to the administration website

3. Your account is now in test mode

4. When you have successfully finished testing please contact inpay and we will verify that everything is ok and upgrade your account to production mode

5. You are now ready to accept payments via inpay

You can use inpay in 3 different ways:

1) Manually – requires no programming

You can use inpay without any programming at all. Log in to inpay and create the invoice (i.e. the payment request) manually by entering product description, amount and the customer's email address. inpay will send the invoice to the customer by email. When the invoice has been paid you will be notified by email. Recommended for small merchants or merchants who wants to get started with inpay as quickly as possible.

2) Webshop module – requires no programming

You can use inpay without any programming at all. Download one of our pre-developed webshop modules at the right, follow the instructions in the file and you will be using inpay within minutes.
Recommended for merchants who already have a working webshop, which we have a module for. At the moment this is: osCommerce, Magento, X-Cart and Zencart.

3) Automatically - for the professional e-commerce shop

In order to use inpay automatically you must integrate with inpay the same way you integrate with a typical credit card payment gateway.

As inpay accepts orders from all over the world and payment is guaranteed, we suggest that you always have inpay as the fall back option when a credit card transaction is rejected in addition to offering inpay as an alternative to credit cards.

Technical overview of the automatic integration

The process is as follows:

1. A customer on your website goes to your check out page to pay for the order. On this page the customer must now be presented with an option to pay using online banking.

2. The customer now clicks on a the relevant button for paying with online banking.

3. A script on your server registers that the customer clicked on the online banking button. This program now send (using HTTPS POST) the following information to the inpay server: amount, order description, order reference and your inpay-merchant ID. This information is encrypted with a secret key to ensure that the request cannot be tampered with.

4. As part of this HTTPS POST action the customer is automatically redirected to inpay's website

5. The customer is now at inpay's website and is presented with a list of banks from his country. The customer now selects his bank (or uses inpays main bank should his own bank not be on the list)

6. The customer is now provided with detailed instructions on how to transfer money to inpay's account using his online bank.

7. If the customers local currency is different from the merchants currency then the amount is automatically converted to the local currency

8. The customer now transfers the amount from his own bank account to inpay's bank account and then clicks the " I have now made the transfer " button.

9. inpay verifies that the correct amount has been transferred and then returns the customer to the merchants website using the HTTP POST method and includes amount and order reference. This information is encrypted with a secret key to ensure that the request cannot be tampered with.

10. If the transfer has not been received inpay will return the customer to the merchants website using the HTTP POST method, and inform the merchant that the transfer was not received

11. If at a later stage (i.e. a day later) the customer decides to make the transfer, inpay will automatically inform the merchant that the payment was received.

Please remember that before you can accept payments through inpay, you must successfully complete the testing phase. This consists of sending transactions to inpay with various amounts as described in the technical documentation to verify that everything is working correctly.

As a merchant you have full access to online reporting including details on individual payments, payout reports, transaction search etc.

The customer can at any time log on to inpay to see a copy of the transfer and download a receipt that can be used in case of disputes.

inpay is very happy to assist in any way possible with the technical integration if you have any problems or questions.