Opayo Direct Overview

This guide provides the technical detail you need to integrate your platform with Opayo Direct.

On this page:


We have made Direct Payment requests as simple and secure as possible for you and your customers. You don’t need to store any card details. We hold them all securely for you so you can interact with your customer how you know best.

The following pages detail how we take and process a payment with Opayo Direct:

  1. The customer orders from your site
  2. Your server registers the payment with Opayo
  3. Opayo replies to your registration POST
  4. Opayo submits 3D Secure Authentication
  5. You redirect your customer to their Issuing Bank
  6. 3D-Authentication and your site called back
  7. Your site POSTs the 3D Secure results to Opayo
  8. Opayo servers request card authorisation
  9. Opayo replies to your POST
  10. Opayo sends Settlement Batch Files

Payments Overview

Your customer's payment experience starts on your website. When they are ready for checkout you:

  1. Collect your customer’s:
    1. Name
    2. Billing address
    3. Delivery address
    4. Contact details (phone number and, or email address, etc.)
  2. Optionally, you can offer a pathway to sign up for quicker purchases in future.
  3. Total the basket value including taxes and shipping, etc.
  4. Present a summary of the transaction to your customer. Ask them to agree and continue with their payment.
  5. Store the transaction and customer data in your database for reuse later.
  6. Use your payments page secured with your SSL certificate to collect your customer’s:
    1. Cardholder Name as printed on the card
    2. Card Type (Visa, MasterCard, American Express, etc.)
    3. Card Number (removing spaces or other separators entered to save your customer the work)
    4. Expiry Date
    5. Card Verification Value (CVV or CV2). This is either the 3 digits on the signature strip, or for American Express (AMEX) cards, the 4 numbers printed on the front.
    6. Cardholder’s Billing Address, including their Postcode (if not already stored in your database).
  7. When ready, ask your customer to confirm the transaction and to submit their payment.
  8. Send the form data to your server to validate. Example rules are:
    1. All required fields are competed.
    2. Expiry dates are not in the past.
    3. The card number is the correct number of figures.
  9.  Have your server prepare and send an HTTPS POST to the Opayo gateway containing:
    1. VendorTxCode, which should be stored alongside the order details in your database.
    2. The correctly formatted and validated data from your form.
  10. Receive notice that the payment is processed and confirm the transaction’s success with your customer.

The payment should reach your account the next day.

    Manage Your Transactions

    Using Opayo Direct, you can manage:

    Related Pages