Server-to-server mode

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PCI DSS required

Only PCI DSS certified companies are allowed to use this solution! If your company is not certified, please use tokenization feature.

Payment steps:

• First, you need to request authorisation. we then reserve the corresponding amount with the user's payment method.
• The authorized amount can then be charged and/or cancelled within a defined validity period (the length of which depends on the payment method used).
• All amounts charged may subsequently be refunded.
• Charging operations, cancellations and refunds may be partial. You can cancel part of a payment and charge the remainder, or charge/refund in several instalments, etc.
• The operations you see with Thunes are not necessarily the same as those handled by Thunes with the user's payment methods. The exact rules depend on the payment method concerned, and are handled entirely by us.

Payment Flow description:

Step 1: Checkout:

• On your payment method selection page, the user selects a payment method managed by our solution, and fill out the form, hosted by merchant website (e.g., CreditCard in the above diagram).

Step 2: Payment Processing:

• You call the PaymentOrder/Pay web service to create a payment order. In this call you will pass as parameters the payment method details ; in this example one must pass the credit card details: card number, expiry date and CVV.

• Thunes Collections then creates the payment order and calls the payment method server. From this point, there are 3 possibilities:

  • If an error occurs, Thunes Collections provides you with an "Error" status. In this instance, you can display an appropriate message, cancel the order and inform the customer.

  • If the payment method refuses payment (inadequate balance, risk of fraud, etc.), Thunes Collections provides you with a "Refused" status.

  • If the payment method accepts payment, Thunes Collections provides you with an "Authorized" status. PLEASE NOTE: For security reasons, you must check the payment order status by calling the PaymentOrder/Detail web service because the amount authorized may be less than requested. If the transaction amount is the same as requested, you can:

    1. confirm the order,
    2. display a successful payment message, and
    3. send out a confirmation email.

• Once the payment is confirmed, you can then charge, cancel or refund the payment, as described in Step 3 below.

Step 2': Payment Processing With 3DS:

• If the status is Authorizing, a 3DS process is mandatory to validate the payment (e.g., fraud scoring for facility of payment). You have to redirect the user to the payment page using the URL provided. The user enters the identification numbers required for payment and:

  • If the user closes the web browser without clicking on the cancel button, the payment order will be cancelled automatically (no later than 120 minutes after the payment), and you will be notified of this operation.

  • If the user confirms the payment, Thunes Collections "orchestrate" payment with the various authorization servers in order to reserve the ordered amount. You should, however, wait until the order is given the Authorized status before confirming it. NOTE: If you do not use our notification system, Thunes Collections advises you to consult the payment order status once a day, using the PaymentOrder/Detail web service. In case of an interruption in the user clickstream, you will still be able to follow through on the order. Thunes Collections advises you to initiate your order confirmation processing operations on the first feedback you receive (ReturnUrl via the user, or ServerNotificationUrl).

Step 3: Post-Payment Operations:

• Once the status of the payment order is Authorized, several options are available to you for managing payment in your order processing cycle:

  • Total or partial cancellation (PaymentOrder/Cancel): Calling this web service is essential to service quality since it enables us to release the reserved funds to the user. If you omit this call, the amount will only be released at the end of the reservation period, which may be prolonged.

  • Total or partial charging operation (PaymentOrder/Charge): we make every effort to ensure that all payment methods involved in a transaction always issue a positive response to a charging request within 6 days, as for credit or debit card operations. However, we advise you to check the response to your charge request before following through on the order, whether or not the response is given within six days.

  • Total or partial refund (PaymentOrder/Refund), for amounts that have already been charged.
    Please refer to the Status descriptions table below for a list of the possible actions associated with each payment order status.

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Once your project starts, Thunes Collections guides you through the integration process and explains the connection to the different payment methods.