NH Card

• Overview
• Countries & currencies
• Integration
• Process flows
• Testing
• Additional information
• Consumer experience
• Reporting
• FAQ

Process flows

Below, you'll find a detailed explanation of the statuses for payments across various flows. In order to integrate NH Card, please refer to our API Reference.

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• CREATED – initial state of a transaction. If a transaction remains in this state, it indicates a problem.
• REDIRECTED – we have provided the redirect details and are waiting for the consumer to complete the payment. If this state persists, it means we haven't retrieved the final status from the bank yet. Successful payments will resolve automatically.
• CAPTURED – the transaction was completed successfully, and we have received confirmation that the funds are on their way.
• PAID – we have collected the funds and will begin the remittance process to you.
• REJECTED – the transaction was rejected by either us or the bank. This is the final state.
• CANCELLED – the payment was canceled by either you or the consumer. This is the final state.

Process flow

In order to integrate NH Card, please refer to our API Reference.

1. The consumer selects a card payment product and makes a transaction with you.
2. Your server sends the authorization request to us containing the card payment details of the consumer and your reference ID.
3. We redirect the authorization request to the local acquiring channel.
4. The acquirer redirects the authorization request to the issuing bank.
5. The bank processes the transaction in real time, returning an authorization or decline response.
6. The acquirer sends the authorization result to us.
7. We return the request-response result to you. If the request is authorized, you can release the product or service to the consumer.
8. We'll also send the settlement file to the acquirer to facilitate the collection of a successfully authorized transaction. It can be done automatically or via a capture request.
9. The acquirer sends the settlement request to the card issuing bank, and the consumer's account gets debited accordingly.
   The issuing bank transfers the funds to the acquirer.
10. The acquirer transfers the funds to our bank account, where the confirmation of funds is registered.
11. You'll receive the funds and a payment report, including your payment reference. It helps you to update the relevant orders based on the information from the report.