Introduction

Azupay's Pay by Bank UX solution has been designed to optimise repeat payers' experiences using PayTo as the main payment method and also offering customers a payment option using PayID.

While PayTo based payments offer great benefits, an optimum UX is important to help your payers complete their journeys successfully. Based on our user research and understanding of payment behaviours, we have designed and tested the App to maximise conversion rate of payments and reduce the integration effort required by you.

The Pay by Bank UX solution involves you sending Azupay a PaymentRequest API call, you specifying you would like to use the Pay by Bank UX solution and your system listening for updates from our webhooks. Our Pay by Bank UX solution has the following features:

• Is fully screen responsive 
• Allows users to provide their PayID so payment can be completed using PayTo, or fallback to PayID where users can make a push payment from their banking app or online banking
• Surfaces minimal content to users to reduce cognitive overload that leads to dropouts during the payment experience
• Guides the user to setup a PayTo agreement for future payments with your business
• Automatically detects users who subsequently return for a faster checkout experience, using the existing authorised PayTo agreement.

How do I use it?

1. Call the PaymentRequest API
2. You can configure your client configuration to always use the Pay by Bank UX solution (please raise a help desk ticket) or specify in each API call via the POST variant field which App you would like your payer to use.
3. In the response body of the POST /v2/paymentRequest call, there will be a field called PaymentRequestStatus.checkoutUrl
4. Present this URL to your customer using a redirect. The PayTo and PayID page is not currently optimised for iframe delivery but it is on our roadmap.
5. Return to the same page (refresh) and checkout again. The checkout process will now utilise the existing Payment Agreement to expedite the checkout process.