Initiate Payment Transaction on LinkPay

This chapter describes how to initiate the payment transaction on LinkPay and how LinkPay processes transaction with EVO Cloud and PSP.

Go to LinkPay Payment Page

Along with detailed order information via API call or Payment Link, the user web page can be redirected to LinkPay Payment Page as shown below, and the user needs to choose a payment method, either card payment or wallet payment.

Notes: In the LinkPay interface, there are three elements that you can customize, corresponding to positions 1, 2, and 3 in the diagram above. Each position has its own method of customization

Position 1: This is the merchant's logo, which is provided by merchant, and the Acquirer can upload it for the merchant when activating the Checkout (LinkPay) feature in the EVO Cloud Portal.
Position 2: This is the merchant's name; the content here will be the same as the “Store Name” setup in EVO Cloud portal.
Position 3: This is the name of the Acquirer; the content here will be the same as the “Acquirer English Name” in EVO Cloud portal, can be defined by the Acquirer, and setup by CIL operation team. For details about element customization, please refer to the “EVO Cloud Portal User Manual”.

Card Payment Process

If the user wants to pay with a credit or debit card, card information is required on LinkPay Payment Page. The screenshot is shown as below: If you set the User Reference and Vault ID when you create a LinkPay order, the “Save card details for next time” checkbox will display on the screen.

If the user chooses “Save card details for next time” in the previous payment, then when the next payment, user will see the stored card(s) in LinkPay. They can use the card to make payments directly.

Based on the Card Schemes and acquirers set up in EVO Cloud, a 3DS authentication may be required, and the user will be redirected to a 3DS authentication page. An example for the 3DS authentication screenshot is shown as below:

After the authentication is completed, LinkPay will go back to the following payment page with payment result.

LinkPay Payment Page Backend Process

For bank card payment transactions, the LinkPay backend processes on both PC and Mobile are the same. Below is the process diagram for bank card payment transactions without 3DS process in LinkPay.

Below is the process diagram for bank card payment transactions with 3DS process in LinkPay.

This diagram illustrates the process of the LinkPay Payment Page; the interaction between the merchant and LinkPay is detailed in How to Integrate with LinkPay

Alipay Transaction Process

User Journey On PC Web

Open the LinkPay Payment Link with web browser, select 'Alipay', and then click on 'Continue'.

The browser will display a payment QR of Alipay, and customer needs to use Alipay wallet to scan the QR to complete the payment.

A success page will be displayed after the payment is completed.

User Journey On Mobile WAP

Open the LinkPay Payment Link on mobile phone and continue to select payment method.
Select 'Alipay' to pay.
The browser will evoke Alipay APP on the users' mobile phone.
Once the user completes the payment in Alipay APP, a success page will be displayed.

LinkPay Payment Page Backend Process

For Alipay, the LinkPay backend processes on both PC and Mobile are the same. Below is the process diagram for Alipay in LinkPay.

This diagram illustrates the process of the LinkPay Payment Page; the interaction between the merchant and LinkPay is detailed in How to Integrate with LinkPay

AlipayHK Transaction

User Journey On PC Web

Open the LinkPay Payment Link with web browser, select 'AlipayHK', and then click on 'Continue'.

An AlipayHK QR code will instantly pop up for the user to conduct the payment. The user needs to use AlipayHK APP to scan the QR code to conduct the payment.

A success page will be displayed after the payment is completed.

User Journey On Mobile WAP

Open the LinkPay Payment Link on mobile phone and continue to select payment method.
Select 'AlipayHK' to pay.
The browser will redirect the user to Alipay-hosted payment page to conduct the payment.
Once the user completes the payment in Alipay page, a success page will be displayed.

LinkPay Payment Page Backend Process

For AlipayHK, the LinkPay backend processes on both PC and mobile are different. Below is the process diagram for AlipayHK on PC.

Below is the process diagram for AlipayHK on Mobile.

This diagram illustrates the process of the LinkPay Payment Page; the interaction between the merchant and LinkPay is detailed in How to Integrate with LinkPay

WeChat Pay Transaction

User Journey On PC Web

Open the LinkPay Payment Link with web browser, select 'WeChat Pay', and then click on 'Continue'.

A WeChat QR code will instantly pop up for the user to conduct the payment.

A success page will be displayed after the payment is completed.

User Journey On Mobile WAP

The merchant must apply to sign up H5 payment with WeChat.

Open the LinkPay Payment Link on mobile phone, and touch 'Checkout' button to select payment method.
Select 'WeChat'.
The browser will evoke WeChat APP on the user’s mobile phone.
Once the user completes the payment in WeChat APP, a success page will be displayed.

LinkPay Payment Page Backend Process

For WeChat Pay, the LinkPay backend processes on both PC and mobile are different. Below is the process diagram for WeChat Pay on PC.

Below is the process diagram for WeChat Pay on Mobile include below 2 payment scenarios. a.Wechat H5 Payment: Wechat Pay user visits merchant H5 website and makes the payment in mobile browser. b.Wechat Official Account Payment: Wechat Pay user visits merchant mobile website and makes the payment in Wechat native browser or Wechat Official Account.

This diagram illustrates the process of the LinkPay Payment Page; the interaction between the merchant and LinkPay is detailed in How to Integrate with LinkPay

Octopus Transaction

User Journey On PC Web

Open the LinkPay Payment Link with web browser, select 'Octopus', and then click on 'Continue'.
The browser will redirect the user to Octopus-hosted payment page to conduct the payment.
The user needs to use Octopus APP to scan the QR code or enter payment code to conduct the payment.
A success page will be displayed after the payment is completed.

User Journey On Mobile WAP

Open the LinkPay Payment Link on mobile phone and continue to select payment method.
Select 'Octopus' to pay.
The browser will redirect the user to Octopus-hosted payment page to conduct the payment and then select 'Tap to Pay' to invoke Octopus APP.
Once the user completes the payment in Octopus page, a success page will be displayed.