Express Checkout Transactions

An express checkout transaction allows a merchant to capture their customer's payment method and details inside their application and complete payment without redirecting the customer to Paynow.

Express checkout transactions currently support the following payment methods:

• Visa/Mastercard (via tokenized card details)
• Zimswitch (via tokenized card details)
• EcoCash
• OneMoney
• InnBucks
• PayGo (e.g. Omari)

Initiate an Express Checkout Transaction

To initiate an express checkout transaction, an HTTP POST request should be made to the URL:

https://www.paynow.co.zw/interface/remotetransaction

The fields below are required in addition to those specified in the Initiate a Transaction section

Field	Required For	Data Type	Description
method	All	String	The payment method to be used. One of the following: zimswitch vmc (Visa Mastercard) ecocash onemoney innbucks paygo
phone	Mobile Money	String	The subscriber number of the mobile money wallet to be debited
token	Visa/Mastercard/Zimswitch	String	A token returned by a previous tokenized transaction. Used to carry out recurring payments without requiring further input from the card holder
merchanttrace	Visa/Mastercard/Zimswitch	String	A unique merchanttrace is required for each request to ensure that no duplicate debits are processed in the event of a request timeout or network interruption

Important Notes

Integration

The integration ID you use must be configured in Paynow to include the selected payment method e.g. if you use method=ecocash then the integration ID must be configured to include an EcoCash payment method

InnBucks

An express checkout request for InnBucks will return the following additional values:

• authorizationcode - the authorization code for the InnBucks transaction (display to customer)
• authorizationexpires - the date and time at which the given authorization code will expire, in the format d-MMM-yyyy HH:mm (display to customer)

The authorization code can also be displayed as a QR code to be scanned by the InnBucks mobile app. See https://developers.google.com/chart/infographics/docs/qr_codes for more details on generating a QR code

You should also present the customer with a deep link schinn.wbpycode://innbucks.co.zw?pymInnCode=xxxxxx where xxxxxx is replaced with the authorization code, which can be used to initiate a transaction in the InnBucks mobile app

PayGo

An express checkout request for PayGo will return the following additional values:

• otpreference - the reference for the OTP which was sent to the customer's mobile number (display to customer)

Visa/Mastercard & Zimswitch

For Visa/Mastercard & Zimswitch token transactions, the merchanttrace field is required. These transactions will be automatically re-tokenized during the payment and the new token returned in the status update callback message

In order to initially get a token for a customer's payment instrument (card) which can be used repeatedly here, the merchant must redirect the customer to Paynow to complete a transaction where tokenize=true is specified in the initiate transaction request (see Initiate Transaction for more information)

The token is returned following a successful card payment (in the Status Update from Paynow) and can be stored by the merchant for future payments for the customer