🧾 Version: 2.2
📅 Date de mise à jour: 14/10/2025
This document describes the technical specifications required to integrate with the ChariPay platform.
The integration is performed via the Chari API, which provides a secure hosted page for processing transactions.
Merchants never handle sensitive cardholder data, as all payment details are securely collected and processed on the ChariPay-hosted interface.
🔐 This approach ensures full compliance with security standards and minimizes PCI DSS scope.
The payment workflow is detailed below.
Fig.1 . Payment Workflow
The diagram below represents the payment flow and system interactions through Chari Pay .
Below is the description of each step, as shown in the diagram above.
| Step | Description |
|---|---|
| 1 | Customer initiates the payment on the merchant's website or mobile app. |
| 2 | Merchant sends the payment request to Chari Pay |
| 3 | Chari Pay triggers the 3D Secure verification . |
| 4 | After authentication, Chari Pay forwards the request to the acquirer |
| 5 | The acquirer sends the transaction to the issuer for authorization. |
| 6 | Issuer processes the request and returns an approval or decline response to the acquirer. |
| 7 | The Acquirer displays the payment result to Chari Pay . |
| 8 | Chari Pay sends the result to the merchant |
| 9 | Merchant displays the payment result to the customer. |
The table below lists the parameters required for the Chari to communicate with the payment platform. These parameters must be stored in the website’s database and used when calling the two main functions: