Understanding the difference between Integrated Payments and Hosted Payments, and knowing which your site uses, is fundamental to integrating your site with Bidco. Below, we explain the difference between these two payment methods, and then show how a Bidco System integration works in each situation.

Integrated Payments

Integrated payment without Bidco

In an integrated payment, the checkout page is generated and hosted by the ecommerce platform. A typical purchase goes as follows:

  1. Customer adds an item to the shopping cart.
  2. Customer goes to checkout, and fills in shipping and billing info
  3. The ecommerce platform contacts the PSP, and sends the payment info for processing.
  4. The PSP processes the payment, transferring funds to the Merchant and alerting the ecommerce platform of success.

Hosted Payments

Hosted payment without Bidco

In an integrated payment, the checkout page is generated and hosted by the Payment Service Provider (PSP). A typical purchase goes as follows:

  1. Customer adds an item to the shopping cart.
  2. Customer clicks "checkout", and is taken to a page on the PSP's website. Customer fills in shipping and billing info.
  3. The PSP processes payment information, and returns either success or failure to the customer.
  4. An optional callback may notify the ecommerce platform of the transaction result.

Overview: How the Bidco System Works With Integrated and Hosted Payments

Bidco acts at the direction of the customer, echoing purchase actions performed on the customer's phone and turning them into real orders on the merchant ecommerce platform.

Integrated Payments with the Bidco System

Integrated payment with Bidco

In an integrated payment scenario, code added to the ecommerce platform allows Bidco to insert customer-generated orders and payment information directly into the system for processing. Checkout works as though if a human had placed the order:

  1. Bidco adds the item the customer wants to the shopping cart.
  2. Bidco initiates checkout, and fills in customer-supplied shipping and billing info
  3. The ecommerce platform contacts the PSP, and sends the payment info for processing.
  4. The PSP processes the payment, transferring funds to the Merchant and alerting the ecommerce platform of success. The ecommerce platform lets Bidco know the order succeeded or failed.

Hosted Payments with the Bidco System

Hosted payment with Bidco

In a hosted payment scenario, Bidco interacts directly with the PSP's API to handle payment processing:

  1. Bidco adds the item the customer wants to the shopping cart.
  2. Bidco contacts the PSP with the order details, and passes the customer billing info.
  3. The PSP processes payment information, and returns either success or failure to Bidco.
  4. Bidco notifies the ecommerce platform of the transaction result, and inserts the order accordingly.