Overview
Optty Direct Overview
Optty Direct is an Optty-hosted payment page that facilitates a complete checkout flow without the need for your own hosted checkout page. It manages the entire payment process, from collecting customer payment details and selecting payment methods to processing payments with providers and displaying final payment status to the customer and merchant. Optty Direct is aligned with Optty's principles of white-labelling and API-first design, it can be fully white-labelled to remove all Optty references and all APIs implemented by Optty to surface Optty Direct on the Universal Payment Platform (UPP) are available to partners to use in your integrations, including webhook integration.
The primary use cases for Optty Direct are in-store payments and online invoices. For in-store payments, a QR code to the checkout is automatically generated and provided to the merchant to share with the customer. These links can also be added to invoices shared online to collect payments.
All payment methods supported within Optty are also supported within Optty Direct.
In Store Use Case Example
In this example the integration exists with a terminal, however this could be completed by a mobile device or a laptop to generate link and see the final status as well.
1. Customer Experience
These are the steps taken by a customer during the checkout process for an instore payment. This is a hypothetical simple use case and there is the ability to add additional functionality to this flow about POS display.
1.1 QR Code and Customer Information
Once the cashier has entered the amount of the purchase, the terminal can initiate an Optty Direct session and display the returned QR Code for the customer to complete their checkout.
Initially once the customer has landed on the page, they fill in their billing details, this example is showing the worst case example of all fields required, this form can be dynamic to display only fields required by the merchants enabled payment providers. For example Paypal does not require much information from customers, if only this was enabled the customer would not have to enter details, but just review the order details before proceeding.
1.2 Payment Method selection
The customer will then be displayed the payment methods enabled by that merchant on their UPP and choose one to make their payment.
1.3 Payment
Payment is then completed with the customers preferred payment provider.
1.4 Status Displayed
The final payment status is then displayed to the customer and cashier.
2.Technical Flow
Below is an example of the technical API flow for Optty Direct payments with the In-Store use case, this can be converted to a invoice technical flow if cashier and terminal are replaced with employee and invoicing system respectively.
