What is SCI and why does an Internet business need it?

[CarderPlanet]

Shop Cart Interface (SCI) is a functional software interface, the basic purpose of which is to accept payment means via the Internet. It allows each merchant (account holder) to automatically receive online payments for goods / services purchased from their online store. SCI has its own interaction protocol and extensive functionality, providing the ability to quite flexibly implement various options for interaction between the seller and the buyer. Introducing the gateway for accepting payment means, SCI is a kind of intermediary, connecting the client's entry point for payment and his return to the web resource after the payment is made. This ensures accurate payment processing and a consistent customer experience regardless of which payment instrument the payment processor uses.

Connection algorithm​

Connecting the SCI interface is quite simple. In order to accept payments online, you need to follow a few simple steps:

1. register with the Interkas service;
2. create a commercial account, or use an existing one;
3. create and set up a new cashier;
4. redirect the payer to the payment algorithm using the HTML form of the payment request.

The web page, which is essentially SCI, accepts an HTTP request with certain parameters (GET or POST) and returns the result.

Payment process via SCI interface​

The standard procedure for payment using SCI in the Interkassa service is as follows:

• The buyer chooses the product he likes and makes an order of a certain value, which is supplied with an identification number.
• Going to the merchant's payment page, the client clicks a button that redirects him to the SCI payment gateway and is linked to an HTML form containing protocol parameters and payment data.
• The SCI web interface presents payment instruments available to the buyer, from which he will have to choose the most convenient payment method.
• After choosing a suitable payment service on its page, the client can see the amount and description of the payment, and information on the terms of payment through the selected system is also provided here.
• After clicking "Pay", the service generates an invoice associated with a specific cashier, and the payer is redirected to the payment gateway, where he makes the payment. When SCI receives a notification of the result of the transaction after the money has been transferred, the information is sent to the merchant's web resource, and the client is redirected to the return page. After analyzing the status of the payment, SCI redirects the buyer further - to the Success Page, Fail Page or Pending Page.

What tasks can SCI solve?​

Highly flexible in terms of integration, the SCI interface can be useful for any type of business and solve a wide range of various tasks of varying degrees of complexity, including:

• If the seller does not have his own website, or sells a small amount of products via the Internet and processes orders manually, SCI will allow you to redirect the buyer for payment via a special HTML form (it can be in an email or on a web resource), after the settlement operation, the transaction will go to The merchant's "personal account", and the receipt of money to the account will be reported by sms or e-mail.
• For a merchant who has billing and who wants to automatically process payment transactions, SCI offers an algorithm for processing notifications of payments made - the service client automatically receives a message about the transaction and the transfer of money, regardless of the payment instrument used (bank card, electronic wallet, self-service terminal).
• When the owner of a virtual trading platform wants to implement the choice of a payment instrument and redirect the buyer to the payment module directly, without using the SCI interface, this is available due to the fact that the service protocol supports the JSON interface, which allows the web resource to receive the data required for the calculation HTML form in hidden (for the client) form.