About integrated flows

Pre-authorisation

Step 1: Session initialisation

A Session ID is generated and device data is collected.

Step 2: Transaction initiation

The customer enters their payment details and initiates the transaction.

Step 3: Risk screening request

You call PXP's Transactions API passing the Session ID (from the device data collection process) and other transaction data.

Step 4: Evaluation process

PXP performs the following checks before proceeding:

• Confirms the merchant's subscription to the transaction risk screening service.
• Validates that the assessment mode is set to pre-authorisation.

If the transaction qualifies, it's sent to the third-party provider for risk assessment.

Step 5: Decisioning

The provider returns a risk decision:

• If the outcome is Accept, PXP proceeds with the authorisation request to the issuer and then relays the final authorisation status (Approved or Refused) back to you.
• If the outcome is Reject, PXP returns a Refused status to you, preventing further processing.

Step 6: Feedback loop

A feedback call is made to the provider to update transaction outcome data.

Post-authorisation

Step 1: Session initialisation

A Session ID is generated and device data is collected.

Step 2: Transaction initiation

The customer enters their payment details and initiates the transaction.

Step 3: Authorisation request

You send an authorisation request to PXP using the standard Transactions API.

Step 4: Authorisation outcome

If the transaction is declined by the issuer, the flow ends and PXP returns a Refused status to you. No further action is taken.

If the transaction is authorised, PXP proceeds with risk evaluation.

Step 5: Evaluation process

PXP performs the following checks before proceeding:

• Confirms your subscription to the transaction risk screening service.
• Validates that the assessment mode is set to post-authorisation.

If the transaction qualifies, it's sent to the third-party provider for risk assessment.

Step 6: Decisioning

The provider returns a risk decision:

• If the outcome is Accept, PXP returns the authorisation status Approved to you and captures the transaction.
• If the outcome is Reject, PXP returns a Refused status to you and cancels the transaction.

Step 7: Feedback loop

A feedback call is made to the provider to update transaction outcome data.