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pay now integration overview

divit pay now is a secure, bank-to-bank instant FPS (Faster Payment System) payment gateway designed for modern digital commerce in Hong Kong. by integrating pay now, you can collect real-time HKD payments from your customers directly from their mobile banking apps, bypassing traditional credit card networks and reducing settlement fees.

how it works​

the following high-level sequence diagram illustrates the transaction journey:

detailed payment journey​

  1. initiate payment: the customer selects divit at checkout. your backend initiates the order via our secure REST API (POST /directpay/o/order).
  2. retrieve checkout URL: divit returns a unique transaction token and a secure checkout URL (redirectURI).
  3. redirect customer: your frontend redirects the customer's browser or webview to the redirectURI.
  4. authorize payment: the customer pays via their mobile banking app (either scanning the QR code or clicking the direct app launch button on mobile).
  5. instant settlement: divit automatically verifies the settlement in real time.
  6. asynchronous notification: divit dispatches a cryptographically-signed webhook event (2001 - Success) to your server.
  7. order fulfillment: upon receiving and verifying the webhook, your server updates the order state and completes fulfillment.
  8. completion: the customer is redirected back to your configured webhookSuccess landing page.

next steps​

to begin your integration:

  1. ensure your credentials and base settings are configured correctly in the environment setup section.
  2. review the authentication guidelines.
  3. walk through the complete backend API request and response details in the create payment order section.