• Introduction
    • Transaction Flow: PayIn
    • Transaction Flow: PayOut
    • Merchant Endpoint Setup
    • Cashier APIs
      • PayIn Transaction
        POST
      • PayOut Transaction
        POST
      • User Verification Endpoint (X-User-Authorization)
        POST
      • Webhook Endpoint
        POST
    • PSP Configuration
      • ForumPay Configuration (Crypto)
    • Schemas
      • Sample Schemas
        • Pet
        • Category
        • Tag

    Transaction Flow: PayIn

    🔁 PayIn Flow (Step by Step)#

    1.
    Cashier sends a transaction request to Mozarto.
    2.
    Mozarto forwards the request to the Merchant Platform for user verification.
    3.
    Merchant Platform verifies the user (user verification Endpoint) and responds to Mozarto.
    4.
    Mozarto processes the transaction with the Payment Provider.
    5.
    Payment Provider confirms the transaction to Mozarto.
    6.
    Mozarto updates the Merchant Platform, which then confirms the transaction has been successful or unsuccessful.

    🔁 Detailed Transaction Flow: PayIn#

    🧩 Key Roles#

    Cashier: Front-end merchant component initiating transactions (e.g., via website or app).
    Merchant Platform (MP): Merchant’s backend handling user verification, and balance updates.
    Mozarto: Payment orchestration platform managing routing, logic, and payment provider communication.
    Payment Service Provider (PSP): External service executing the actual payment.

    1️⃣ Transaction Initialisation & User Verification#

    Step 1
    The Cashier calls the Mozarto Cashier API to initiate a transaction, including user ID, amount, currency, and payment type.
    Step 2
    Mozarto sends a direct API request to the MP to verify the user (e.g., session check, account validation, and provides user information).
    Step 3
    The MP responds with the user verification result.

    3️⃣ Payment Routing & Processing#

    Step 4
    If verified, Mozarto routes the transaction to the appropriate Payment Provider.
    Step 5
    The PSP processes the transaction and returns a success/failure response to Mozarto.

    4️⃣ Finalisation & Balance Update#

    Step 6
    Mozarto sends the payment result to the MP, including the transaction status and PSP reference.
    Modified at 2025-08-01 10:27:31
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    Transaction Flow: PayOut
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