# Payments types

## 1. **Direct Payments**

API Endpoint: *<https://api.maibmerchants.md/v1/pay>*

In some cases, it can also be found under the name of SMS (Single Message System).

Direct payment takes place in one step. If the transaction is successful, the amount is debited from the Customer's bank account.

This type of payment is simpler to implement and most often corresponds to the Merchant's needs, therefore it is also the most common in ecommerce integrations.

### **2. Two-step payments**

In some cases, it can also be found under the name of DMS (Dual Message System).

The payment is formed in 2 steps:

<details>

<summary>1.Payment authorization - the transaction amount is held on the Customer's bank account.</summary>

&#x20;API Endpoint: *<https://api.maibmerchants.md/v1/hold>*

</details>

<details>

<summary>2.Payment capture - the amount of the transaction is debited from the Customer's bank account.</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/complete>*

</details>

### **3. Recurring payments**

Recurring payments are payments that are made periodically and do not require the Customer to re-enter their card details each time.

For example, it could be with a service with a monthly subscription. The Customer must be registered in their personal account on the website/app.

3 endpoints are provided for recurring payments:

<details>

<summary>1.Card registration in the maib ecomm</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/savecard-recurring>*

The Customer who is authenticated on the website/app makes the first transaction by entering the card data on the **maib ecommerce checkout** page.        &#x20;

If the transaction is successful, the card data is assigned an identifier (*billerId*) in the **maib ecomm** system.

The Merchant receives the card identifier in the final response (on the Callback Url) and assigns it to the Customer who performed the transaction.

</details>

<details>

<summary>2.Execute recurring payment</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/execute-recurring>*

The following payments are periodically initiated by the Merchant using the card identifier (*billerId*).

</details>

<details>

<summary>3.Delete the card from the maib ecomm</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/delete-card>*

</details>

### **4. One-click payments**

One-click payments allow the Customer, after registering the card in the **maib ecomm** system, to make subsequent payments in a single click, without re-entering the card data.

The Customer must be registered in their personal account on the website/app.

The one-click payment button can be placed right on the product page.

3 endpoints are provided for one-click payments:

<details>

<summary>1. Card registration in the maib ecomm</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/savecard-oneclick>*

The Customer who is authenticated on the website/app makes the first transaction by entering the card data on the **maib ecommerce checkout** page.        &#x20;

If the transaction is successful, the card data is assigned an identifier (*billerId*) in the **maib ecomm** system.

The Merchant receives the card identifier in the final response (on the Callback Url) and assigns it to the Customer who performed the transaction.

</details>

<details>

<summary>2.Execute one-click payment</summary>

&#x20;API Endpoint: *<https://api.maibmerchants.md/v1/execute-oneclick>*

The Customer is redirected to the **maib ecomm checkout** page where he will only enter CVV2/CVC2 (can be excluded) and pass 3D Secure authentication.

</details>

<details>

<summary>3.Delete the card from the maib ecomm</summary>

API Endpoint: *<https://api.maibmerchants.md/v1/delete-card>*

</details>