Subscriptions

Subscriptions allow the merchant to take repeated payments from an end-customer.

Overview

Subscriptions are applicable to our Smart Checkout solution. The payment method should support recurring payments.

✔️ Subscriptions do support our ISV schema
❌ Subscriptions do not support pre-authorizations
❌ Subscriptions do not support card installments

A subscription payment is a payment made automatically by the merchant, initiated by the merchant without the involvement or presence of the customer (no 3DS authentication is required), done on a regular or non-regular schedule, for a fixed or variable amount (the payments may be for different amounts over time). This requires an initial payment to be done with the involvement of the customer (3DS authentication may be required), during which the customer provides consent to the merchant to make future automatic payments (recurring payments).

For further technical information and a step-by-step guide, please see our Create a recurring payment tutorial page

How it works

A customer opts in to have certain payment details retained in order to repeatedly charge them for an ongoing product or service. At the agreed-upon frequency, a payment is taken from the customer account without their active input/involvement.
This continues for the duration of the agreed – between merchant and end client - subscription period or potentially until the cardholder cancels their subscription.

Process

The below sequence diagram summarises the recurring payment procedure.

Viva APIMerchant backendMerchant appViva APIMerchant backendMerchant apploop[Recurring payments]Create payment order for recurring paymentPayment order createdPayment orderRedirect customer to payment page to pay the payment orderConfirm payment & initial transaction createdRetrieve payment detailsPayment detailsVerify paymentCreate new transaction using ID of initial transactionConfirm payment & subsequent transaction created

Initial Payment

Sub Payments

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