§ 1
In brief
Payer
Chooses how to pay
from what the channel allows
Card or wallet
Pay by bank
QR or instant transfer
Bank transfer
Instalments
Bonus points
One path from here
Funds secured
then capture, refunds, settlement
- Allowed by policy
- Each channel offers the instruments its policy allows; a channel can only narrow the list of the unit above it.
- Different first steps
- A card is authorised, a transfer is awaited, points are reserved.
- Different options later
- Instruments differ in partial capture, partial refunds and disputes.
- Points as a tender
- The company’s bonus system keeps its own rules; points pay part of an order like any other instrument.
§ 2
In detail
2.1
What each channel offers
Instruments are allowed by policy down the company’s structure, and a channel can only narrow the list of the unit above it. Payment on delivery works after picking: the courier brings the exact amount as a QR code, and the payer pays by transfer or by card. Corporate customers receive an invoice with payment terms.
Demo scene 1
What each channel offers
The instruments allowed by policy in each channel of the demo group; bonus points can be added to any of them.
| Channel | Instruments |
|---|---|
| The website | Card, Apple Pay, Google Pay, QR transfer (NBU), Pay by bank, Bank transfer, Pay in parts |
| The app | Card, Apple Pay, Google Pay, QR transfer (NBU), Pay by bank, Bank transfer, Pay in parts |
| Payment on delivery | QR transfer (NBU), Card |
| Corporate customers | Bank transfer, QR transfer (NBU), Card |
2.2
Different first steps
Every attempt starts the same way: an instrument is chosen, and the attempt is screened and routed. Then each instrument takes its own steps until the money is secured — a 3-D Secure check, a bank’s consent, a scan, a lender’s approval. From the capture on, all of them follow one path again.
Demo scene 2
The steps of each instrument
The three stages where instruments differ, with the facts each instrument records in them. Before and after these stages, the steps are the same for all.
| Instrument | Consent | Secured | Capture |
|---|---|---|---|
| Card | Challenge sentAuthenticated | Authorised | Captured |
| Apple Pay | Wallet token verified | Authorised | Captured |
| Google Pay | Wallet token verified | Authorised | Captured |
| Pay by bank | Consent granted | Funds received | Captured |
| Bank transfer | Transfer instructed | Funds received | Captured |
| QR transfer (NBU) | QR code issuedQR code scanned | Funds received | Captured |
| Pay in parts | Consent granted | Credit approvedFunds received | Captured |
| Bonus points | Consent granted | Funds received | Captured |
2.3
What each can do later
Instruments differ in what can happen later: whether money can be held and captured after picking, refunded in part, charged again or disputed through a card scheme. The pay page and the cabinets read these capabilities from one catalogue, so an operator is never offered a partial refund an instrument cannot do.
Demo scene 3
What each instrument can do
From the platform’s catalogue of instruments: who sends the money, what is possible afterwards, and when it is settled.
| Instrument | Who sends the money | Refunds | Partial refunds | Recurring | Capture later | Disputes | Split | Settles |
|---|---|---|---|---|---|---|---|---|
| Card | taken with consent | T+1 | ||||||
| Apple Pay | taken with consent | T+1 | ||||||
| Google Pay | taken with consent | T+1 | ||||||
| Pay by bank | the payer sends | — | — | — | T+0 | |||
| Bank transfer | the payer sends | — | — | — | T+0 | |||
| QR transfer (NBU) | the payer sends | — | — | — | T+0 | |||
| Pay in parts | taken with consent | — | — | — | — | T+2 | ||
| Bonus points | taken with consent | — | — | — | — | T+0 |
2.4
Bonus points as a tender
The company’s bonus system stays where it is and keeps its rules. The pay page shows the payer’s balance; the points chosen are reserved, then redeemed as part of the order, and a refund returns them. Points and a card are two payments of one order; if the card part fails, the points are given back. The bonus system reports them in a daily batch, which is reconciled like a bank’s.
2.5
Who carries them
Each instrument rides a rail — card, account-to-account, transfer, QR, credit or loyalty — and each rail has the providers the company has agreements with. In the demo all of them are stand-ins.
- Acquiring 1 — Card, Apple Pay, Google Pay
- Acquiring 2 — Card, Apple Pay, Google Pay
- Acquiring 3 — Card, Apple Pay, Google Pay
- UA Open Banking Hub — Pay by bank, QR transfer (NBU)
- UA Interbank Transfers — Bank transfer
- Chastyny Credit — Pay in parts
- Merchant bonus system (connector) — Bonus points
Demo scene 4
Payments by instrument, last 30 days
Payments captured with each instrument, the share of its attempts that secured the funds, and the amount captured.
- Card50490 % · ₴940.07K
- Apple Pay15788 % · ₴304.36K
- Google Pay15593 % · ₴293.08K
- Bonus points141100 % · ₴56,368.00
- QR transfer (NBU)12696 % · ₴270.31K
- Pay by bank4393 % · ₴103.65K
- Pay in parts1365 % · ₴48,748.80
- Bank transfer475 % · ₴133.22K
payments · share of attempts that secured funds · captured
§ 3