Hosted Checkout

Overview

CrissCross offers a Hosted Checkout, a fully managed front-end payment interface designed to handle the entire payment flow on behalf of merchants. It renders all available payment methods dynamically, manages necessary redirects and MFA challenges, and ensures PCI-compliant handling of sensitive data.

Key Features

1. Dynamic Payment Method Rendering:

   • Payment methods are rendered based on dynamic rules configured by the merchant. This process considers a broad set of variables, including those established during merchant configuration and those provided in the payment initiation call.

2. 3D Secure and MFA Support:

   • Automatically handles multi-factor authentication (MFA) flows like 3D Secure, providing a secure checkout experience with minimal friction.

3. PCI Compliance:

   • Merchants avoid direct exposure to sensitive payment data, reducing the burden of PCI-DSS compliance.

4. Customizable Checkout Experience:

   • Merchants can customize the checkout to reflect their brand identity and align with their user experience (UX) preferences by adjusting colors and uploading their logo.

How It Works

1. Initiate Checkout Session:

   • Start by creating a checkout session using the CrissCross API. This session provides a unique token that initializes the checkout flow.

2. Redirect to Hosted Checkout:

   • Direct your customer to the Hosted Checkout URL returned by CrissCross, where they complete their payment.

3. Receive Payment Status Updates:

   • CrissCross notifies the merchant via webhooks about the status of the payment (e.g., successful, failed, pending).

Example Checkout Session Request:

$
curl --request POST 'https://api.crisscross.money/v1/checkout/session' \
>
  --header 'Authorization: Bearer YOUR_ACCESS_TOKEN' \
>
  --header 'Content-Type: application/json' \
>
  --data-raw '{
$
    "merchantId": "YOUR_MERCHANT_ID",
$
    "merchantReference": "ORDER_12345",
$
    "amount": 5000,
$
    "currency": "ZAR",
$
    "integrationType": "hosted",
$
    "redirectUrl": "https://merchant-site.com/redirect",
$
    "payerDetails": {
$
      "emailAddress": "[email protected]",
$
      "location": "ZAF",
$
      "fullName": "John Doe"
$
    },
$
    "paymentAttributes": {
$
      "orderId": "ORDER_12345"
$
    }
$
  }'

Example Response:

1
{
2
  "sessionId": "0d3f1d6c-1c49-4b89-9db6-1fdc06f24c8a",
3
  "paymentLink": "https://crisscross.money/checkout/0d3f1d6c-1c49-4b89-9db6-1fdc06f24c8a",
4
  "payerId": "2a1c4f1a-0d44-4f16-8c8e-9a3b4c5d6e7f",
5
  "signature": "hmac-signature"
6
}

Handling Webhooks

CrissCross sends webhooks for key events, such as payment success or failure, so merchants can update order statuses in real time.

• Payment Success: Update order status to ‘Paid’ and proceed with fulfillment.
• Payment Failed: Notify the customer and allow them to retry.

Example Webhook Payload:

1
{
2
  "event": "payment.success",
3
  "data": {
4
    "transaction_id": "txn_12345",
5
    "amount": 5000,
6
    "currency": "USD",
7
    "status": "successful"
8
  }
9
}

Customizing the Checkout Experience

Merchants can configure the following elements:

• Logo: Upload your logo to personalize the checkout page.
• Theme: Adjust colors to match your brand identity.
• Payment Method Order: Control the order in which payment methods appear.

Benefits of Using Hosted Checkout

• Faster Go-to-Market: Launch in days, not months, with a pre-built, compliant checkout that works across all local payment methods.
• Fully Customizable: Match your brand with your logo, colors, and design to increase trust, while we handle the infrastructure and compliance.
• Higher Conversion: Optimized user flows and localized payment options help boost completion rates by over 10% on average across markets.
• Reduced Compliance Burden: CrissCross handles sensitive data securely, reducing PCI compliance requirements for merchants.
• Seamless Customer Experience: A smooth payment journey with automatic handling of redirects and authentication.
• Rapid Integration: The Hosted Checkout can be integrated with minimal development effort.

Example Integration Flow

Conclusion

The CrissCross Hosted Checkout offers a comprehensive solution for managing payments with minimal effort. It provides dynamic payment method support, automatic handling of MFA flows, and reduces compliance burden. Merchants can focus on their core business while CrissCross ensures a smooth and secure payment process.