A transaction within HatchPay is a multi-step process that involves both the agent and the customer. The three steps involved in this process are:

1. Agent initiates the transaction: The agent starts the transaction by sending a link to the customer via SMS or email, depending on their preference. This link directs the customer to an I2P page where they can view the transaction details and complete the payment.

2. Customer completes the transaction: Once the customer clicks on the link, they are taken to an I2P page with the transaction’s item list. Here, they fill out their payment details, such as their credit card information, and submit the form. This sends their payment details back to the agent.

3. Payment is processed: After the customer submits their payment details, the payment is either pre-authorized or authorized and captured. If the payment is pre-authorized, it means that the funds are set aside for the transaction, but they have not yet been transferred to the merchant. If the payment is authorized and captured, then the funds are transferred to the merchant, completing the transfer of funds from the customer to the merchant.

If a payment fails at either the pre-authorization or capture step, both the agent and the customer will be informed. This allows them to troubleshoot any issues that may have occurred during the transaction process. For example, if the customer’s credit card information is incorrect, the payment may fail, and the agent and customer can work together to resolve the issue.

Creating a Transaction

If an agent wants to send an I2P invitation to a customer to initiate a transaction, then multiple pieces of information are required for the form. You must input the details of the transaction, including the email or phone number of the customer, the payment orchestrator, and the items and/or services that are being sold. The email or phone number used to send the link is given by the customer. The payment orchestrator facilitates the payment transfer during the transaction and each business unit has one pre-set. Finally, each line-item should have the name of the product being sold, its price, and its quantity.

For more information on creating transactions within HatchPay, please see the Create Transaction documentation. This article provides detailed instructions on how to create a transaction, including how to enter customer details, select a payment orchestrator, and add transaction items.

Customer View

After navigating to the link provided by the agent, the customer must enter their payment details. If the business unit uses I2P and branding has been configured, then the screen that the customer sees will contain both the name and logo of your business unit.

When they are finished putting in their details, a confirmation will be sent to both the agent and customer’s screen if the funds are captured and the payment is successful. In the case where the payment isn’t successful, then it’s likely that the customer’s card wasn’t authorized, and thus, isn’t able to make the payment.