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Payments

Credit Card

16min

Introduction

Overview

This section explains how to start accepting Mada, Visa, Mastercard, and American Express payments on your website using Moyasar's payment form.

Before Starting

Before you start accepting credit/debit card Payments, make sure you complete these steps first:

  1. Sign up for a Moyasar account here.
  2. Get your Publishable API Key. To authenticate your form payment requests.


Setting up Moyasar Form

Moyasar Form is a lightweight Javascript library, that can get you up and running pretty quickly.

Step 1: Include Moyasar's Scripts.

The current up-to-date version of the library is 1.12.0 which can be used through the official Moyasar CDN server:

  • https://cdn.moyasar.com/mpf/1.12.0/moyasar.js
  • https://cdn.moyasar.com/mpf/1.12.0/moyasar.css

You can start the integration by including the previous URLs in the head section of your website as follows:

HTML
<head>
  <!-- Other Tags -->

  <!-- Moyasar Styles -->
  <link rel="stylesheet" href="https://cdn.moyasar.com/mpf/1.12.0/moyasar.css" />

  <!-- Moyasar Scripts -->
  <script src="https://cdn.moyasar.com/mpf/1.12.0/moyasar.js"></script>

  <!-- Download CSS and JS files in case you want to test it locally, but use CDN in production -->
</head>


Step 2: Instantiating the Payment Form.

Once you decide on a good place for the form, add an empty <div> tag and then invoke the init method on our global Moyasar class.

HTML
<div class="mysr-form"></div>
<script>
  Moyasar.init({
    element: '.mysr-form',
    // Amount in the smallest currency unit.
    // For example:
    // 10 SAR = 10 * 100 Halalas
    // 10 KWD = 10 * 1000 Fils
    // 10 JPY = 10 JPY (Japanese Yen does not have fractions)
    amount: 1000,
    currency: 'SAR',
    description: 'Coffee Order #1',
    publishable_api_key: 'pk_test_AQpxBV31a29qhkhUYFYUFjhwllaDVrxSq5ydVNui',
    callback_url: 'https://moyasar.com/thanks',
    supported_networks: [ 'mada'],
    methods: ['creditcard']
  })
</script>


Configuration Keys

Field

description

amount

Amount intended to be collected by this payment. A positive integer represents how much to charge in the smallest currency unit (e.g., 100 Halala to charge 1.00 SAR or 100 to charge ¥100, a zero-decimal currency). The minimum amount is 1 SAR or equivalent in charge currency.

currency

3-letter ISO code for currency. E.g., SAR, CAD,

description

An arbitrary string that you can attach to a payment object. Payment description is only for your reference and it is NOT displayed to users.

publishable_api_key

Your publishable API key, learn more on how to get the key here.

callback_url

URL of your website page to be redirected to after the customer completes a transaction. (e.g., https://example.com/orders).

supported_networks

This optional configuration option is used to set accepted card networks, in the form. The default value is all networks except amex.

methods

This is used to enable and disable payment methods on the form. By default, all the methods are enabled(creditcard, applepay, stcpay).

Learn more about available configuration keys here Form Configuration

Resulting Form



The form uses our Payment APIs to perform required actions, you can learn more about it on Moyasar API Docs



Payment Lifecycle

  1. The user clicks on the pay button.
  2. Payment details are sent securely to Moyasar servers and then processed.
  3. The user is then redirected to the 3-D Secure page for validation.
  4. The user is redirected back to the URL specified in callback_url when the payment succeeds or fails.


Saving Payment ID

This step is optional but highly recommended to save the payment ID before redirecting the user to 3-D Secure, which grants you the ability to verify payment details in case your user's connection drops.

To save the payment ID you can provide the on_completed configuration option with a URL, or a callback function.

Option 1: URL

When providing a URL the library will make a POST request containing the payment object, here is an example:

JS
Moyasar.init({
  element: '.mysr-form',
  amount: 1000,
  currency: 'SAR',
  description: 'Coffee Order #1',
  publishable_api_key: 'pk_test_AQpxBV31a29qhkhUYFYUFjhwllaDVrxSq5ydVNui',
  callback_url: 'https://moyasar.com/thanks',
  methods: ['creditcard'],
  on_completed: 'https://mystore.com/checkout/savepayment',
})


The URL can be anything you choose, but keep in mind your endpoint must return a 201 Created HTTP status code for the form to proceed.

If any other status code is returned, a Network connection error will appear, and redirection to 3D Secure will be aborted.

Option 2: Callback Function

The other option is to provide a callback function, and due to the asynchronous nature of JavaScript, you need to return a Promise object which lets the form wait until your task is completed.

JS
Moyasar.init({
  element: '.mysr-form',
  amount: 1000,
  currency: 'SAR',
  description: 'Coffee Order #1',
  publishable_api_key: 'pk_test_AQpxBV31a29qhkhUYFYUFjhwllaDVrxSq5ydVNui',
  callback_url: 'https://moyasar.com/thanks',
  methods: ['creditcard'],
  on_completed: function (payment) {
    return new Promise(function (resolve, reject) {
        // savePayment is just an example, your usage may vary.
        if (savePayment(payment)) {
            resolve({});
        } else {
            reject();
        }
    });
  },
})


Verify Payment

Once the user has completed the payment and got redirected to your website or app using the callback_url you provided earlier, the following HTTP query parameters will be appended:

  • id
  • status
  • message

Here is an example:

Return URL
https://www.my-store.com/payments_redirect?id=79cced57-9deb-4c4b-8f48-59c124f79688&status=paid&message=Succeeded


Now fetch the payment using its id through our Fetch API, and verify its status, amount, and currency before accepting your user's order or completing any business action.

Next, just show success or failure according to the previous validation.

Payment flow

sequenceDiagram
 participant C as Cardholder
 participant S as Store
 participant M as Moyasar
 participant I as Issuing Bank 
 participant A as Accuring Bank
 
 C ->> M: POST v1/payments {"amount": "100", "source[type]"="creditcard", "source[number]"="4111...",...}
 
 M ->> I: Request bank 3D secure challenge
 
 I -->> M: Returns 3D secure challenge URL
 
 M -->> C: Redirect cardholder to 3D secure challenge URL
 
 C ->> I: Accept's challenge
 
 I -->> M: Returns Authorization response
 
 M ->> A: Requests to capture the amount
 
 A -->> M: Returns capture result
 
 M -->> C: Redirect to URL in callback_url store.com/thanks?id=d2i1...
 
 C ->> S: Requests to view the page
 
 S ->> M: GET v1/payments/d2i1... to verify payment
 
 M -->> S: {"id":"d2i1...", "amount":"100", ....} 
 
 S -->>C: Show page to cardholder 
 

 
 




Updated 23 Nov 2023
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TABLE OF CONTENTS
Introduction
Overview
Before Starting
Setting up Moyasar Form
Step 1: Include Moyasar's Scripts.
Step 2: Instantiating the Payment Form.
Configuration Keys
Resulting Form
Payment Lifecycle
Saving Payment ID
Option 1: URL
Option 2: Callback Function
Verify Payment
Payment flow
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