Overview

The chapter focuses on the description of each of the components involved in the xPay payout process and what each component is responsible for. All mentioned components and their responsibilities are made and managed by Verestro.

Terminology

Application components

This chapter is describing all components involved in the processes included in the Payout to xPay product. Each of the sections below describes each of the components. Internal services are the key elements of the solution implemented on the Verestro side. Each of them has a separate responsibility in the entire payout to xPay process. Below table describes every internal components in our Payout to xPay application. xPay Payout which is our internal service integrated with Google Pay and Apple Pay, thus enabling getting the card tokens from these wallets, generating pay me link allowing to order payouts and connecting with acquirer to perform ordered transfer and handling 3D Secure process.

@startuml
skinparam ParticipantPadding 30
skinparam BoxPadding 30
skinparam noteFontColor #FFFFFF
skinparam noteBackgroundColor #1C1E3F
skinparam noteBorderColor #1C1E3F
skinparam noteBorderThickness 1
skinparam sequence {
ArrowColor #1C1E3F
ArrowFontColor #1C1E3F
ActorBorderColor #1C1E3F
ActorBackgroundColor #FFFFFF
ActorFontStyle bold
ParticipantBorderColor #1C1E3F
ParticipantBackgroundColor #1C1E3F
ParticipantFontColor #FFFFFF
ParticipantFontStyle bold
LifeLineBackgroundColor #1C1E3F
LifeLineBorderColor #1C1E3F
}
actor "Sender" as sender
participant "Customer App" as customer
participant "Verestro Backend" as verestrobackend
participant "Verestro Frontend" as verestrofront
participant "Google/Apple Pay" as xpay
actor "Money Recipient" as user
== Customer's part of the process ==
sender->customer: Order payment link (trx data)
customer->verestrobackend: Create payment link(trxData, balanceId)
customer<-verestrobackend: Return payment link
sender<-customer: Return payment link
====
sender-->user: Send payment link
note left of user: Clicks on link
== Verestro's part of the process ==
user->verestrofront: Redirect recipient to payment link webview
note right of verestrofront: Recipient sees that he can claim money from sender
note right of verestrofront: Recipient choosed xPay
verestrofront->xpay: Open recipient xPay wallet
note left of xpay: Recipient chooses card
verestrofront<-xpay: Return card
verestrobackend<-verestrofront: Provide recipient's card
verestrobackend<-verestrobackend: Make payout to recipient card
customer<-verestrobackend: Notify customer about payout status
user<--verestrobackend: Top up card if status success
====
@enduml

Note: Block "Verestro" contains all Verestro's internal services: Antaca, xPay connector and Acquirer connector.

Antaca

This is the initial component in the payout process. Antaca is responsible for creating balances for you company and it's users, or allowing to credit/debit your balance depending on the direction of the funds. Antaca also monitors the balance of each entity, ensuring that the requested action on the balance is performed after meeting specific conditions, for example, it is not possible to debit the balance for more funds than are currently in the balance (you cannot send 100 EUR if you have only 99 EUR on your balance). It is also not possible to top up a balance that has been deactivated. The table below shows Antaca's methods for creating, crediting and debiting a balance.

Tip: In the Payout to xPay product, Verestro is responsible for appropriately calling the Antaca methods that credit or debit the balance. You, as a Customer, only need to send us information on which balance and of what amount we should call a given operation.

xPay Payout

A component that supports all key payout to xpay processes. Each of the processes will be described below, maintaining the sequence of steps that take place from the initiation of the payout by the sender to the recipient of the payment using the xPay card token. The xPay payout component is responsible for the following actions:

1. Initiation of payment shipment, i.e. the moment when the option to order a transfer to a given recipient was selected and completion of transfer information such as amount or currency was provided by money sender.
2. Initiation  of the payment link creation and thus opening a payment session in our system (storing information about the planned transaction, such as amount, currency and recipient data). The generated payment link is returned to the sender so that the sender can send it to the potential recipient as a SMS message or via other communicators.
3. The above payment link performs redirect to the Verestro Payout to xPay frontend app where the recipient of the link is able to select the card from the Apple Pay or Google Pay wallet to which he wants the funds transferred.
4. After selecting one of the two xPay wallets, our mechanism communicates through the appropriate lib with the Apple Pay / Google Pay server, which returns a list of the recipient's cards in response. The selected card is returned in the form of an encrypted token to which the amount declared by the sender will be transferred.
5. Payout to xPay API will perform the order to top up the recipient's card by contacting the acquiring institution and debit the sender's balance by communicating with Antaca.