BlissPago Checkout

• Email Select alternative pay, all in • If no info provided in

Information flows – User validation first time onboarding 1 • First name 2 14 days or installments 3 (1), add all fields
• Last name 3-36 mths • Date of birth
• Address • RFC (ID number)
• Apartment, suite • Mobile Phone
• City • Landline phone
1 • Country/Region
• Postal code
MERCHANT

Customer goes Use BP as No

to checkout and payment
fills out contact method?
details
Yes.
2

3
BLISS PAGO CO

Select payment options Enter personal details Success response

Incorrect Incorrect
Reg. Customer
Enter password (x2) Customer enters Accept credit check answers KB
code questions
Login or register? Success
Accept terms & conds. Correct Enters pin code response.
Correct On to credit
scoring Q’s
4-digit code
BLISS PAGO BE

User created in
BlissPago DB.
Generate 4 digit code
and update user. Phone number Code
Email with account
information to user
GATEWAY

Gateway receives 4-
SMS

digit code and phone

number
SCORING

Credit report receives Credit report / credit

CREDIT

customer phone number scoring retrieved based

and returns 4 digit code on customer RFC
LENDING
API’S
BlissPago Checkout
Information flows – Credit scoring and lending offers • Yearly income • Time in housing • Personal information (1) & (3)
4 • Employment status 5 • Type of housing 6 • Payment plan (2)
• Name of employer • Shared • Credit scoring questions (4) & (5)
• Employer address accommodation
• Employer phone • Number of kids
• Housing costs
MERCHANT

4 5
BLISS PAGO CO

Customer answers Customer reviews and Customer selects one Payment and
internal credit scoring submits application of the listed offers confirmation.
questions WORK IN PROGRESS
BLISS PAGO BE

Pre-fill if recurring user? Internal credit scoring

performed

Store and compare

responses. Include lowest
Overall credit score
calculated rate offers in response
GATEWAY
SMS

Payload? Response?
SCORING
CREDIT
LENDING

Lending institutes
API’S

generates offers based

on information from BP
BlissPago Checkout
Order of user events

Select payment options Comment: Credit check (highlighted

in red) is requested before KB
Enter personal details questions and internal credit scoring
questions. These two step should be
enough as a “buffer” while the
Register password request is being processed.

SMS validation As we talked about earlier;

depending on the answer from the
credit bureau, we might be able to
Accepts terms & cond
skip the ‘SMS validation’ and instead
validate the phone number when we
Accept credit check ask the customer to accept the credit
check.
Request credit score

Answer KB questions

Answer credit scoring Q’s

Choose lender offer

Enter payment details

Confirm purchase