Dibs
The Thorny Path
Artem Miroshnyk
Novasol A/S
What is Dibs
Why is it hard?
Pitfalls
Solutions
Why to peek Dibs?
- Payments made easy
- Safe and reliable
- Experience and flexibility
- Competent partners
(by Dibs)
Payments made easy
http://tech.dibspayment.com/D2/Hosted/Styling
One of 40 payment methods
Credit cards: From Visa &MasterCard up to DinnersClub and Maestro
Bank Transfer: "Redirect" like integration with banks from Scandinavian countries, German, Poland, Netherlands, etc
MobilePay, Invoices, Call Payments, etc
Paypal
Credit cards
Each of them has own configs, manual setup of currencies and credit card fee, etc
BankTransfer
Dibs supports lots of bank and related systems, but in non Scandinavian countries this support is pretty low.
Vouchers
No Campaign Code, Voucher code is generated on Dibs side.
Safe and reliable
PCI DSS
Even Pro version is very limited
- Each modification to payment window will be reviewed and has to be approved
- You are not allowed to use external pictures
Production server failover with super-dooper uptime, but...
Automatic and Manual payments
Transaction Initialization
Credit Card validation
Money capturing
Simplest version
Transaction Initialization
3D-secure
Money capturing
Request from shop to Dibs
Payment
Window
Credit Card validation
Request back to shop
What is wrong with this process?
- What we want actual capturing to be delayed? (Booking site capture money after you stay)
- What if you want free cancelation during next 2 weeks? (Cancelation != refunding)
- What if you want to split your payment? (simple loan)
- What if you charge customer in future? (extra offered features you can use)
Simple checkout flow does not work...
Complex (manual) flow
Ticket, PreAuth, Dibs Scripts
PreAuth
Ticket Auth
Credit card validation
3D secure
Request back to shop
Capture the money
Manual requests http://tech.dibspayment.com/D2/API/paymentfunctions
Ticket
Ticket is ID of validated and authorized credit card for specific payments. Think about it like about FB Auth token you get after login. It is string, that represents valid user and authenticated for this specific application. The same for Dibs ticket - but instead of user you have credit card.
PreAuth
Authentication of credit card to do "nothing" for now but something in future. Actually technically Dibs is trying to capture 1 or 0 DKK from you account. (it brings tons of problems)
Drupal 8
Dibs and Payment Dibs modules
Dibs!
By Artyom Miroshnik
Dibs!
- 720