# Accepting payments

# Methods of accepting payments

When developing your business model, you need to determine how to receive payments:

Single-stage payment (immediate debit from the card).
Two-stage payment (authorization of funds on the card, followed by debiting).

One-step payment is usually used when purchasing online goods (for example, concert tickets). Funds are written off immediately at the time of request for payment, with many options available (use of card for repeated debits, presence/absence of 3-D Secure code, managing a set of fields filled in by the user, etc.). If necessary to make payment cancellation (with a full or partial refund), then it is carried out with a separate request.

Two-step payment may be used when, at the time of purchase, the exact amount is still unknown (for example, when providing long-term parking services, transactions with guarantor or purchase of clothes after trying on). After a request for authorization, the payer’s card is blocked for the specified amount of money (operation free, but can be automatically canceled by the payment system after 7 or more than days). After determining the exact amount to be paid, you send a second request to complete settlements (payment with an authorization link), which includes the exact payment amount (the commission is charged on the specified amount). This amount cannot exceed the authorization amount. If it is less authorization amount - the remaining amount is automatically returned to the card payer (the terms of crediting depend on the bank). If the purchase does not take place, then you can revoke authorization with a separate request, and all means will be instantly returned to the payer’s card (the operation is free). Two-stage payment is not available for AFT terminal.

# Accepting payments via SBP

For a standard payment page, connecting the SBP to accept payments is done through technical support; the methods used are completely identical to the standard payment acceptance. More details at link.
When paying, the client will see the SBP Payment button; when clicked, a QR code for payment will open.

SBP SBP

# Cancel a successful payment

Cancellation of payment (refund) is possible both for the entire payment amount and for part of the amount (partial cancellation). An unlimited number of partial cancellations of one payment transactions within the payment amount.

# Payment options

# Saving the card on the payment page

The payer can save the card data on the payment page and the next time he makes a payment, he will be shown a list of saved cards; just select the card and enter the CVV/CVC. Detailed request parameters and behavior can be found in the Accepting payments (API) section.

# Payment using a card token or another payment ID

For the convenience of the payer, you can make payment requests using the data which were previously provided by the payer. These could be:

Full card data token of a bank card.
Identifier of payment made by entering CVV/CVC (three-digit code on back side of the card) and passing the 3-D Secure check (entering the code from SMS). This option is not available by default and is enabled on the Mandarin side after considering the client's request.

In this case, the payer will not have to fill in the fields with the card number again, expiration date and name on the card, wasting time and risking making a mistake.

In general, to pay you will only need to enter the CVV/CVC code and/or go through 3-D Secure check. It is possible to refuse to enter even this data, and make payments completely without the participation of the payer (this requires special settings on the Mandarin side).

# Payment without entering a CVV code

A request to create a payment using a card token may contain parameter responsible for selecting the appropriate scenario:

The payer enters the code when selecting a saved card - the so-called interactive mode (interactive). If only the number was tokenized card, or the full card data token is in the payout-only state, then the payment with It is only possible in interactive mode. Interactive mode can only be implemented using the built-in payment form Mandarin Custom Pay.
The payer does not enter the code when selecting a saved card, payment occurs without CVV/CVC input.
Try to pay without CVV/CVC, if impossible, do it in interactive mode (allowinteractive). Interactive mode can only be implemented using the built-in payment form Mandarin Custom Pay.

# 3-D Secure

3-D Secure adds another authentication step for online payments (entering a code from SMS), allowing you to verify that the payment is made by the card holder.

Setting whether or not to enter the 3D-Secure code is mandatory time of opening the terminal at the bank. Mandarin managers can get you two terminal (with 3D-Secure enabled and disabled).

Eliminating the need to enter a code from SMS increases conversion. But the data payments are more vulnerable to chargebacks.

# Payment without the participation of the payer

Payment without the participation of the payer can be made in the following ways:

Recurrent payment (auto-debit) using a token of full card data (except for cases when it was tokenized only the card number or token is in the statuspayout-only).
Payment, which contains a link to another payment and will be processed without entering CVV/CVC and passing 3-D Secure.

Funds will be debited upon your request, but refusal is possible issuing bank, related to both the lack of funds on the card and other reasons (for example, a ban by the issuing bank on such write-offs for this card).

If previous recurring payments were unsuccessful, then if the limit is exceeded unsuccessful write-offs in a row, in accordance with the requirements of payment systems, further attempts may be blocked:

Visa – up to 4 unsuccessful attempts in a row are allowed, if exceeded – blocking for 16 days.
MasterCard – up to 3 unsuccessful attempts in a row are allowed, if exceeded – blocking for 30 days.
WORLD – up to 2 unsuccessful attempts in a row are allowed, if exceeded – blocking for 14 days.

One successful card transaction immediately resets the counter to zero. unsuccessful write-offs.

Please note that some payment systems (for example, Maestro) do not support recurring payments.

# Commission from the payer

The default commission amount is within the payment amount and is paid by the client. For example, with a commission rate of 3%, 1000 rubles will be debited from the payer’s card, and 970 rubles will be credited to your account.

Settings are possible on the Mandarin side, in which the commission is transferred to the payer in the following ways:

Virtually (by increasing the payment amount by the amount of the commission, while in fact you continue to be the payer of the commission). For example, if 1000 rubles should be credited to your account, then the payer will be shown the amount to be paid as 1030 rubles (without details).
In fact (the commission from the payer is debited directly in favor of Mandarin, which will need to be specified in the terms of payment on your side). In this case, two options for calculating the Mandarin commission are used:

Mandarin automatically increases the write-off amount by the amount of the commission. In this case, you need to transfer an amount of 1000 rubles to Mandarin.
You independently increase the total amount by the amount of the commission and transfer the total amount of 1030 rubles to Mandarin.

In both cases, the payer will be shown the total amount of 1030 rubles, and its details, where where 30 rubles explicitly written in a separate line. At the end of the reporting period, 1000 rubles will be credited to your company’s account.

# Instant crediting from accepting payments 24/7/365

Instant crediting can be useful if you use payments to card together with accepting payments.

In this case, the funds received from accepting payments are instantly credited to your account for payments to the card. You do not need to wait for funds to be credited first, received from receiving payments, and then transfer them to an account for mass payments, which takes time and creates the risk of downtime on weekends and holidays.

With instant deposit, you increase the turnover of your capital for free.

# Ready-made module for accepting payments

If you need to accept payments on your website, but API integration is not yet ready or you do not plan to implement it, you can use ready-made module.

You can customize the module design yourself in the Modules (opens new window) section of your personal account. In this case, you customize the logo, background color (or background image), title text and color, button text and color, and payment currency.

# User Interface

After integration, you can provide the following custom options interface for accepting payments:

Mandarin payment page with your logo, to which you need redirect the payer for payment.
Built-in payment form using Mandarin Custom Pay technology, which allows implement full integration into your interface (without the need for you to undergo PCI DSS certification). Custom Pay provides the opportunity use fields for entering card data, which are separate pages on Mandarin servers, and are displayed as iframes on your site. This allows you to create your own payment page using completely own design. Within the embedded form it is possible to disable entering the cardholder's name and code CVV/CVC (as agreed upon and after making settings on the Mandarin side).