Pay Later

The snappi Pay Later method allows you to repay the cost of your purchase over time instead of all at once. This payment flexibility typically leads to better conversion rates as well as higher cart values.

This API allows you to interact with Baskets and Merchants related to the Buy Now Pay Later functionality.

The following diagram illustrates the process by which a customer can finalize a purchase and choose to pay later in installments.

snappi

Here is a step-by-step explanation of each component and action within the flow:

1. Finalize Basket

The customer completes their shopping and finalizes their basket, preparing to check out.

2. Basket Checkout

The customer proceeds to the checkout phase, where they review their basket contents and proceed to payment options.

3. Select Pay Later Payment Option

At this stage, the customer selects the "Pay Later" payment option from the available payment methods.

4. Agree with Terms

A decision point where the customer must agree to the terms and conditions associated with the Pay Later option.

  • If the customer agrees:
    • Proceed to the next step.
  • If the customer disagrees:
    • The process terminates, and the customer is redirected back to the basket checkout or another suitable screen.

5. Check Basket Eligibility The system checks if the basket qualifies for the Pay Later option. This involves evaluating the basket contents against predefined criteria such as total amount, product types, and customer’s creditworthiness.

6. Show Monthly Installments If the basket is eligible, the system displays the monthly installment options to the customer.

7. Agree to Proceed

Another decision point where the customer must confirm their agreement to proceed with the displayed installment plan.

  • If the customer agrees:
    • Proceed to create the basket.
  • If the customer disagrees:
    • The process terminates, and the customer is redirected back to the basket checkout or another suitable screen.

8. Create Basket

The system creates a basket that includes all the items the customer intends to purchase under the Pay Later plan.

9. Start Pay Later Journey

The customer’s journey to complete the Pay Later process begins. This phase involves multiple steps to finalize the Pay Later agreement.

10. Redirect to Pay Later Progress Screens

The customer is redirected to a series of progress screens that provide real-time updates on the Pay Later process. This phase is crucial for maintaining customer engagement and providing transparency throughout the transaction.

Detailed Screens in the Redirect to Pay Later Progress:

  • Display QR Code, Expiration, and Installments: The system displays a QR code for the transaction, along with details about the installment plan and the expiration date of the offer. The QR code can be used for verifying or completing the payment process.
  • Basket Expired Screen: If the customer takes too long to complete the process, the basket expires, and this screen informs the customer of the expiration and provides options to restart or return to the basket.
  • Basket Success/Failure Screen: Upon completion of the transaction process, this screen provides feedback on whether the Pay Later transaction was successful or failed.

11. Pay Later Succeeded?

A final decision point where the system checks if the Pay Later transaction was successful.

  • If the transaction succeeded:
    • Redirect to the Merchant’s Success Screen.
  • If the transaction failed:
    • Redirect to the Merchant’s Failure Screen.

12. Merchant’s Success Screen

If the transaction is successful, the customer is redirected to a success screen provided by the merchant. This screen typically includes a confirmation message and details of the purchase.

13. Merchant’s Failure Screen

If the transaction fails, the customer is redirected to a failure screen provided by the merchant. This screen typically includes an error message and options for the customer to try again or select a different payment method.

This detailed flow ensures that the customer is guided through each step of the Pay Later process, maintaining clarity and user engagement while ensuring compliance and security.