Primary Payment Processing Scheme: 1-Step (SMS) Payment

By default, the merchant’s virtual terminal is set up in the epay system with the configuration for conducting a 1-step payment.

Payment Process: 1. The client places an order in the merchant’s system and proceeds to the payment stage. 2. The merchant’s system sends a payment request to the epay system. 3. The epay system processes the debit of the order amount from the client’s card. 4. The epay system sends the payment processing result to the merchant’s system. 5. Upon successful payment, the merchant provides the service or delivers the goods to the client.

Refund Process:

Refunds can be processed in two ways: • Manually via the merchant’s personal account on https://epay.homebank.kz/. • Through integration of the merchant’s system with the epay system via API: 1. The merchant’s system sends a refund request to the epay system for the debited amount. 2. The epay system processes the refund of the order amount to the client’s card. 3. The epay system sends the refund processing result to the merchant’s system.

The responsibility for monitoring the success of the refund lies with the merchant: • When processing a refund through the epay personal account, the employee performing the refund must ensure that the epay system provides a successful result and the payment status changes to “Refunded.” • When processing a refund via API, the merchant’s system must track the refund result, and in case of errors, the information must be relayed to the responsible person within the company for review, correction of the request if necessary, reprocessing of the refund, or contacting epay support.

Additional Payment Processing Scheme: 2-Step (DMS) Payment

If the business has non-standard requirements and a critical need to pre-authorize (hold) the amount before debiting funds from the client’s card, the merchant may disable the 1-step payment scheme on the terminal (via the “Settings” section in the epay personal account).

Key Concepts: • Funds Hold: Funds are reserved on the client’s card; they remain on the card but become unavailable for use by the client. • Funds Debit: Funds are withdrawn from the client’s card and transferred to the acquiring bank (Halyk) for crediting to the merchant’s settlement account.

Payment Process: 1. The client places an order in the merchant’s system and proceeds to the payment stage. 2. The merchant’s system sends a payment request to the epay system. 3. The epay system processes the hold of the order amount on the client’s card. 4. The epay system sends the payment processing result to the merchant’s system. 5. Upon successful payment, the merchant: • Provides the service or delivers the goods to the client and sends a confirmation request to the epay system to debit the payment from the client’s card; or • If the service or goods cannot be provided, sends a cancellation request to the epay system. 6. The epay system processes the merchant’s request—either debiting the funds from the client’s card or releasing the held amount. 7. The epay system sends the result of the debit or cancellation operation to the merchant’s system. Cancellation or debit can be processed in two ways: • Manually via the merchant’s personal account on https://epay.homebank.kz/. • Through integration of the merchant’s system with the epay system via API.

The responsibility for monitoring the success of the cancellation or debit operation lies with the merchant: • When processing the operation through the epay personal account, the employee performing the cancellation/debit must ensure that the epay system provides a successful result and the payment status changes to the corresponding action (“Cancelled” or “Confirmed”). • When processing the operation via API, the merchant’s system must track the result of the cancellation/debit, and in case of errors, the information must be relayed to the responsible person within the company for review, correction of the request if necessary, reprocessing of the operation, or contacting epay support.

Refund Process (for Previously Debited Amounts):

Refunds can be processed in two ways: • Manually via the merchant’s personal account on https://epay.homebank.kz/. • Through integration of the merchant’s system with the epay system via API: 1. The merchant’s system sends a refund request to the epay system for the debited amount. 2. The epay system processes the refund of the order amount to the client’s card. 3. The epay system sends the refund processing result to the merchant’s system.

The responsibility for monitoring the success of the refund lies with the merchant: • When processing a refund through the epay personal account, the employee performing the refund must ensure that the epay system provides a successful result and the payment status changes to “Refunded.” • When processing a refund via API, the merchant’s system must track the refund result, and in case of errors, the information must be relayed to the responsible person within the company for review, correction of the request if necessary, reprocessing of the refund, or contacting epay support.