The following processes are involved when using e-nkap for processing online payment:
Payment Process Flow Detailed Description

Process Step

Description

Step 0:

The Customer has finished the shopping and is ready to process the payment.

Step 1:

Your Shop server invokes the payment order placement API of e-nkap by providing the customer's shopping cart information. Note that the shopping cart information is needed to display the shopping items for which the customer will pay on the e-nkap portal.

Step 2:

e-nkap will authenticate your request and return as part of the response to the request, the redirection URL to where your shop server shall redirect the customer's browser.The response of the order placement also contains an unique transaction Identifier which shall be used for any subsequent call to e-nkap for this order if needed (for example when querying the payment status).

Step 3:

Your shop server redirects the customer's browser to the e-nkap payment processing portal using the provided redirect URL.The e-nkap portal will present to the user the available payment options.

Step 4:

The customer selects a payment option (s)he wants to use and confirms the payment. Depending on the payment provider, the payment order can be synchronous or asynchronous. Once the payment provider has accepted the payment order, e-nkap will redirect the customer to your Shop server to finalise the shopping. Please note that this redirection is optional.

Step 5:

As mentioned in Step 4, step 5 is optional. e-nkap may redirect the customer's browser to your shop server including the current payment status in the redirect URL as query parameter. The payment status could be: In progress, Finished, or Canceled.

Step 6a:

In case the Instant Transaction Notification(ITN) is not activated in your merchant account, the query payment status API can be used to query the current payment status by providing the unique e-nkap transaction Identifier which was provided to you in the initial payment order placement.

Step 6b:

In case the ITN is activated in your account, e-nkap will call back the configured notification URL with the payment status once the payment has changed the status to confirmed or failed.

3.3 Payment Process Flow with Smobilpay
When Smobilpay is selected as a method of payment, the following processes take place;

  1. The customer enters a name, an email then submits
  2. The status of the transaction changes to IN_PROGRESS
  3. The customer receives an order number for the order by email.
  4. The customer is redirected to the callback URL set in the merchant's API configuration settings.
  5. Customer goes to a nearby Smobilpay agent with the order number and pays for the order
  6. When payment is successful, the status changes to CONFIRMED otherwise it changes to FAILED.


3.4 Payment Process Flow with MTN Mobile Money
When MTN Mobile Money is selected as a method of payment, the following processes take place;

  1. The customer enters a name, phone number then submits;
  2. The status of the transaction changes to IN_PROGRESS.
  3. The customer receives a USSD approval request from MTN to approve the payment of the order.
  4. The customer approves the payment request by entering his secret code.
  5. The customer's account is debited by the order amount.
  6. If the transaction is successful, the status of the transaction changes to CONFIRMED otherwise it changes to FAILED

3.5 Payment Process Flow with Express Union Mobile Money
When Express Union Mobile Money is selected as a method of payment, the following processes take place;

  1. THe customer enters a name, phone number then submits;
  2. The status of the transaction changes to IN_PROGRESS.
  3. The customer receives an SMS message from Express Union.
  4. The customer opens the Express Union app and confirms the payment
  5. The customer's account is debited by the order amount.
  6. If the transaction is successful, the status of the transaction changes to CONFIRMED otherwise it changes to FAILED


3.6 Payment Process Flow with Orange Money
When Orange Money is selected as a method of payment, the following processes take place;

  1. The customer enters a name,phone number then submits;
  2. The status of the transaction changes to IN_PROGRESS.
  3. The customer receives a USSD approval request from Orange to approve the payment of the order.
  4. The customer approves the payment request by entering his/her secret code.
  5. The customer's account is debited by the order amount.
  6. If the transaction is successful, the status of the transaction changes to CONFIRMED otherwise it changes to FAILED