Screenpay Repayment E-com Flow

In the context of Screenpay Repayment, the "E-com Flow" refers to how the platform handles transactions when integrated with an e-commerce website or when used by a retailer to facilitate online payments.

Since Screenpay is primarily a B2B Recharge Bill Payment and Travel Ticket Booking portal, the "Flow" typically follows a Merchant-Led or API-Based model.

1. The Standard E-com Transaction Flow

This is the step-by-step process of how a payment moves through the Screenpay system:

1. Checkout: The customer selects products on an e-commerce site and chooses a payment method (UPI, Debit Card, or Net Banking) powered by Screenpay.

2. Request: The e-commerce platform sends a digital request to the Screenpay Payment Gateway API.

3. Authentication: The customer is redirected to a secure Screenpay page or a UPI Intent screen (like PhonePe/Google Pay) to authorize the payment.

4. Processing: Screenpay communicates with the Issuing Bank to verify funds and the Acquiring Bank to secure the transaction.

5. Response: Once successful, Screenpay sends a "Success" callback to the e-commerce site.

6. Confirmation: The e-commerce site displays the order confirmation to the user, and the funds are credited to the Merchant's Screenpay Wallet.

2. Retailer E-com Flow (Assisted Commerce)

Many Screenpay users are local shop owners who use the app to help customers who don't have digital access. This "flow" looks like this:

• Step 1: Customer visits a local shop to buy a digital product (e.g., a Google Play Gift Code or an Amazon Voucher).

• Step 2: The Retailer opens the Screenpay Repayment App.

• Step 3: Retailer enters the customer's details and the amount.

• Step 4: Money is deducted from the Retailer's Wallet Balance.

• Step 5: The digital voucher/service is instantly delivered to the customer via SMS or Email.