ONLINE PAYMENT

Standard SolutionOverview
 INTRODUCTION

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WHAT MAKE US THE BEST?

Simple Safe Seamless

Giving users and merchants Utilizes world-class risk and Open platform that makes
an easy way to conduct and safety technology, DANA connecting users to
access cashlesspayments. guarantees 100% safety in merchants a seamless
your transactions. experience

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ONLINE PAYMENTECOSYSTEM
Business Entities within Online Payment

As Issuer
Issue the several type of
Payment Instruments:
eMoney
MERCHANT APPS /
Website AS ACQUIRER
The one who sell goods or Process the payment on
services to the Consumer behalf of merchant using
different methods:
Credit Card Bank VA
Debit Online Direct Debit

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MERCHANT MODEL - ACQUIRING (FUND FLOW)
Fund Flow for Merchant Business Model

USER DANA MERCHANT Legends

Real Time T+1 Settlement File

User do online
payment through External FundAccount

DANA payment Payment

Payment Amount Payment Amount
channel Amount -MDR
DANA FundAccount

T+2

DANA settlethe Virtual Fund Flow

amount to the
Aggregated Aggregated
merchant Amount -MDR Amount -MDR Real FundFlow

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USER FLOW – BINDING (SEAMLESS)

Merchant NativePage DANA H5 Page Merchant NativePage

Key Notes :
• This oAuth
processresult is
User Access
Token

• User Access
Token is used as
identifier in all
DANAAPI

If user isn’t a DANA user, user

will be asked to create PIN
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 USER FLOW – BINDING (NORMAL)

Merchant NativePage DANA H5 Page Merchant NativePage

Key Notes :
• This oAuth
processresult is
User Access
Token

• User Access
Token is used as
identifier in all
DANAAPI

• If merchant
didn’t have user
phone number,
user need to
If user isn’t a DANA user, user input phone
will be asked to create PIN number inDANA
H5

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USER FLOW - PAYMENT

Merchant NativePage DANA H5 Page

Risk challenge is optional,

triggered by risk engine
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USER FLOW - API FLOW
USER MERCHANT CLIENT MERCHANT BACKEND DANA SYSTEM
1.Go to merchant’s order detail page
2. Request order detail info

3. Create merchant internal order

4. Create acquiring order

/alipayplus/acquiring/order/CreateOrder.htm

5. DANA_CHECKOUT_URL +AcquirementId

6. Save DANA_CHECKOUT/_URL + AcquirementId

then making to respective order
7.Order detail info + DANA_CHECKOUT_URL

8. Put the DANA_CHECKOUT_URL into

“Continue PaymentButton”
9. Click “Continue Payment Button”
10. Call DANA_CHECKOUT_URL + OTT

11. Showcashier page

12.Notify paymentcomplete

ack

13.Query order

ack

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DANA WIDGET
Extra Feature for DANA User on Merchant Apps /Web

1 TRANSACTION FEATURE 2 CARDS FEATURE 3 KYC FEATURE

Showing on going transaction or Showing User’s Saved Debit or Facilitate user to do KYC on
transaction history for the specific Credit card on User’s DANA User’s DANA account.
merchants. account.

4 POCKET FEATURE 5 POCKET FEATURE 6 DANA SURPRIZEFEATURE

Showing User’spromotion Facilitate User to top up their Facilitate user to play and get
voucher for the specific merchants. DANA Balance via Merchant’s voucher.
Apps /Web.

7 ACCOUNT MANAGEMENT 8 SEND MONEYFEATURE 9 CASHOUT FEATURE

FEATURE Facilitate user to send money to Facilitate user to cash out their
Facilitate User to manage their other users via QR code, link, bank balance via bank account or agent.
DANAAccount inside Merchant’s account or phone number.
Apps /Web.

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USER FLOW - TOP UP
Merchant NativePage DANA H5 Page

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DANA Open API

Disbursement API Voucher API DANA provide Disbursement API and

• Can disburse DANA balance to user
• Merchant need pre-funding
• Disbursement will follow KYC rule for
balance limitation, 2 mio for non-KYC
and 10 mio for KYC
• Can disburse DANA voucher
directly to user
• Merchant need pre-funding
• Need to create campaign first,
created by DANA
Voucher API to enable merchant to
disburse DANA balance or voucher to
user

Cancel API Refund API

DANA provide Cancel API and Refund • Only valid for 24 hours after trx
• MDR is given back to merchant
API to ensure best user experience • Voucher is send back to user
delivered, both for merchant and user • Can not partial cancel
• Always valid as long as still have
trx amount
• MDR is taken by DANA
• Voucher is void
• Can do partial refund

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 THANK YOU

2020