As developers building payment solutions, we often encounter the term "charge," which can sometimes be confusing. In some cases, you might also come across the term Direct Charge. A charge refers to the specific action of processing a payment, which typically involves the authorization and capture of funds from the customer's payment method. Essentially, it’s the step where the transaction is finalized and the money is transferred from the customer to the merchant.
Importance of Charge API in modern payment systems
Customization and Branding
Unlike traditional checkout systems, which typically redirect customers to a third-party page, the Charge API allows you to fully customize the payment experience. You can tailor the design and user flow to match your brand's identity.
Enhanced Security Features
Charge APIs often include built-in security measures like 3D Secure authentication and OTP verification to further protect against fraudulent transactions. This helps provide legitimate information about the card owner's identity.
Charge API offers enhanced flexibility, better control, and a more personalized, secure payment experience than traditional checkout methods. This makes it an ideal choice for developers looking to take full control of their payment experience.
Introducing Nomba Charge API and the Process Flow
The Nomba Charge API is a user-friendly payment solution that helps businesses securely process payments. Whether you’re accepting card payments, handling OTP-based authorizations, or offering transfer payments, Nomba Charge makes it simple. It lets you save customer card details for future purchases, authenticate transactions through OTPs, and track transaction statuses with ease. The process flow is straightforward, guiding you from getting order details to saving cards and even canceling incomplete transactions.
Process Diagram
This flowchart provides developers with a comprehensive understanding of how the Nomba Charge API works. To begin, you'll create an order and submit the customer’s card details. An OTP will then be sent to the customer’s phone number. The customer can either enter the code to complete the verification or request a new code if the OTP expires. They also have the option to use a Flash account number. Once the process is complete, you can prompt the customer to decide if they’d like to save their card information for future payments.
Key Features of Nomba Charge API
Flash Payment Integration
The Charge API supports Flash payments, allowing users to complete transactions quickly and securely using their Flash account number. This feature simplifies payment by offering a convenient alternative to traditional card payments.
Card Saving for Future Payments
With the Nomba Charge API, you can offer customers the option to save their card details securely for future transactions. This will make future payments faster and more convenient, improving the overall user experience.
Secure OTP Verification
Security is important! The API uses OTP to verify user transactions. This two-factor authentication ensures that payments are processed securely and that only authorized users can complete a transaction.
Charge API vs Traditional Payment Gateways
Unlike traditional checkout systems, where customers are redirected to an external page to complete their payment and then returned to a callback URL set during transaction initialization, the Charge API allows you to create a fully customized payment gateway that aligns with your brand's look and feel.
This gives you greater control over the entire payment process. With the Charge API, you can easily implement features such as saving customer cards for recurring payments, authorizing transactions via OTP (One-Time Password), and enabling 3D Secure authentication for enhanced security.
Conclusion
Really glad you made it this far, haha! There are so many possibilities with building your product around the Nomba API. The charge API is just one of them. looking to explore our payment product? check here.
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