Ecommerce VCN Flow

Using the VCN settlement product as part of your ecommerce integration can streamline your order management process. It can be run using one of our ecommerce plugins, or in conjunction with the Checkout API if on a custom platform.

Plugin Flow

If you integrate with one of our plugins, you will require our Virtual Card API for order management. The flow using one of our ecommerce plugins will look like this:

1. The customer completes the CA Flow and their contract is created, as they would with the standard ecomm flow. The contract appears in their platform's order list.

2. PB requests Marqeta to create a Virtual Visa Card specifically for this contract. Nothing is needed to be done by the merchant in this step.

3. Merchant requests the virtual card details from PB in order to start processing this transaction.
   - Merchant may store this card information in their system or
   - Call on the GET Virtual Card API whenever actions are needed to be done on the contract

4. Merchant gets paid by processing a capture on the Virtual Card through their existing credit card payment processor at time of shipment. Merchant can also process a refund on the card and return funds to PB.

5. Marqeta notifies PB of any transaction event on the Virtual Card, and PB captures/adjusts the contract as needed

Custom Flow

If your ecommerce site is custom, or PayBright does not currently have a plugin available for your site's platform, you can still utilize the VCN product by calling the Checkout API to create the contracts, then the Virtual Card API to manage them. The custom ecommerce flow will look like this:

1. The customer selects PayBright at checkout. The merchant's system creates a POST call to PayBright's Auth/Autocapture API. See Auth or AutoCapture (Auth + Capture) depending on the merchant's configurations

2. PB requests Marqeta to create a Virtual Visa Card specifically for this contract. Nothing is needed to be done by the merchant in this step.

3. Merchant requests the virtual card details from PB in order to start processing this transaction.
   - Merchant may store this card information in their system or
   - Call on the GET Virtual Card API whenever actions are needed to be done on the contract

4. Merchant gets paid by processing a capture on the Virtual Card through their existing payment processor at time of shipment. Merchant can also process a refund on the card and return funds to PB.

5. Marqeta notifies PB of any transaction event on the Virtual Card, and PB captures/adjusts the contract as needed