Overview
Credit Card payments can be enabled through the supported SIBS Payment Gateway plugins for e-commerce platforms.
Once configured, Credit Card is displayed as an available payment method during checkout, allowing customers to securely complete payments using supported payment cards.
The plugin handles the communication with the Payment Gateway, simplifying the integration process while maintaining the standard Credit Card payment flow.
Supported plugin platforms may include:
- WooCommerce
- Magento
- PrestaShop
- Shopify
For plugin installation, merchant credential configuration, environment setup, webhook configuration, and general plugin configuration, refer to the corresponding Plugin Integration chapters in B.3 – Integration Models – Plugin Integrations.
Payment Method Configuration
After completing the base plugin configuration, Credit Card must be enabled within the payment methods configuration section.
The available settings may vary slightly between platforms, but typically include the following options:
| Parameter | Description |
|---|---|
| Enable Credit Card | Enables Credit Card as an available payment method during checkout. |
| Environment | Defines whether the plugin operates in Sandbox or Production mode. |
| Transaction Mode | Defines whether transactions are processed as Debit or Pre-Authorisation (Two-Step) operations. |
| Display Configuration | Controls how Credit Card is presented during checkout. |
| Order Status Mapping | Defines how payment results are mapped to order statuses within the platform. |
The exact configuration options available may vary depending on the plugin platform and version.
Configuration examples are shown below for the available plugin platforms.
WooCommerce
PrestaShop
Magento
Transaction Mode
Credit Card Plugin Integration supports both Debit and Pre-Authorisation transaction models.
Debit
The payment is authorised and captured immediately after successful customer authentication and payment processing.
The order can be automatically updated to a successful payment status once the transaction is completed.
Pre-Authorisation
The payment amount is authorised and reserved.
A subsequent Capture operation is required to complete the transaction and collect the funds.
The selected transaction mode should be aligned with the merchant’s business process and contractual configuration.
For additional information about Authorisation and Capture flows, refer to D.3 – Two-Step Payments.
Payment Flow
The following diagram illustrates the high-level Credit Card payment flow when using a Plugin Integration.
Credit Card payments are typically processed synchronously. However, merchants should always rely on the final transaction result returned by the Payment Gateway and implement Merchant Notifications where available.
Customer authentication, including Strong Customer Authentication (SCA) and 3-D Secure processing when required, is handled automatically by the SIBS Payment Gateway.
Customer Checkout Experience
When Credit Card is enabled, customers can select it during checkout and complete the payment using a supported payment card.
The typical payment flow is as follows:
- The customer selects Credit Card during checkout.
- The customer enters the card details.
- The plugin creates the payment request.
- Customer authentication is performed when required.
- The transaction is authorised.
- The transaction result is returned to the e-commerce platform.
- The order status is updated accordingly.
Order Management
After payment completion, the plugin updates the order information within the e-commerce platform.
Depending on the platform and configuration, merchants can view payment information directly from the order details page.
Typical information includes:
- Payment Status
- Transaction Identifier
- Payment Method
- Transaction Date and Time
- Payment Amount
- Merchant Transaction Identifier
Transaction Status
Credit Card payments are typically processed in real time.
Merchants should rely on one or both of the following mechanisms to obtain the final transaction status:
- Merchant Notifications (Webhooks)
- Transaction Status Inquiry
The e-commerce platform order status should remain consistent with the final transaction status returned by the Payment Gateway.
For detailed information about transaction status handling, refer to:
- E. Notifications and Transaction Status
- D.1.2.2 – One-Off Payments – Credit Card [Server-to-Server Integration]
Testing Payments
The SIBS Sandbox Payment Simulator can be used to validate Credit Card payment flows during testing and integration activities.
Example sandbox simulator entry point
Related Documentation
- B.3 – Integration Models – Plugin Integrations
- D.1.2.1 – One-Off Payments – Credit Card [Form Integration]
- D.1.2.2 – One-Off Payments – Credit Card [Server-to-Server Integration]
- E. Notifications and Transaction Status
- E.1 – Webhooks (Notifications)
- E.2 – Status Inquiry / Get Status
- D.3 – Two-Step Payments