GE Payment Integrated on WebSphere Commerce Online Store

1. Process Flow for GE Payment Integrated on WebSphere Commerce Online Store

2. GE Payment Integrated on WebSphere Commerce Online StoreOverview

3. GE as a Payment Option • Interest Free is configured as a new payment method and the option is displayed in the Order Summary page • Supported Interest Free offers are pre-configured for the site along with eligible amounts of purchase • Depending on the cart value, respective Interest Free offers are displayed in drop-down for the user to choose • If the cart value is not eligible for any Interest Free offer, GE as a payment option is not shown

4. ScreenGrab for Payment Option

5. Payment Redirection to GE • According to GE integration guide, the payment information has to be posted to configured HOP Url with required parameters populated • Digital signature is used for data integrity and AES encryption for security • An intermediate page collates the data and posts the request to GE HOP

6. ScreenGrab for Payment Redirection

7. GE Payment • If the digital signature verification and decryption is successful, GE payment data input page is open. Otherwise the request is immediately POST-redirected back to the customer’s website with appropriate message • Users can make payment through their existing credit card information • If the credit card information is not available, they can make purchase using their account information • If the user does not have a credit card, they can apply for one on the go, get it authorized and make payment using in the same session. This process is called Downstream apply

8. ScreenGrab for Successful Payment

9. Successful Redirection back to Store • Upon entering valid payment information, GE posts the response back to customer’s website • ‘Return to Cart’, ‘Success’, ‘Failure’ and ‘Post Back’ URLs are pre-configured for each store (merchant) • GE again digitally signs and encrypts relevant data and POST to customer’s website pre-configured ‘Success’ URL

10. ScreenGrab for Successful Redirection

11. Order Confirmation • Customer’s website verifies digital signature and decrypts relevant data • The parameter ‘decision’ defines whether the payment is accepted, rejected or ended in an error • The payment details and status are updated in commerce and so is the PO data for backend system (POS) • Customer is shown the Order Confirmation page along with the Interest Free option originally chosen

12. ScreenGrab for Order Confirmation

13. Order Payment Failed • If the valid payment details are not entered, payment is declined for any other reason such as Insufficient Funds, GE displays the error message in the HOP page itself and allows the user to re-enter the payment information • If the entered payment information does not result in success for 3 consecutive times, the request is POST-redirected to pre-configured merchant specific Failure URL • Customer’s websiteunderstands the payment status from the parameter ‘decision’ and the reason for failure through a combination of parameters ‘ccAuthReply_reasonCode’ and ‘ccAuthReply_geReasonCode’. The appropriate response that is to be displayed to the customer for this combination is configured in website based on GE’s recommended text • Payment status is marked as failed and customer is directed to the payment method selection page where another payment attempt can be initiated for the same Order

14. ScreenGrab for Order Payment Failed