Overview
The Direct Model gives you complete control over your application workflow and UI design while supporting a wide range of payment features. PCI DSS compliance is required for credit card payments because sensitive payment data passes through your system.
Features
Supported payment methods
- Payment Card: Visa, Mastercard
- Digital Wallet: Apple Pay, Google Pay, Alipay, AlipayHK, WeChat Pay
Supported currency
| Payment Method/Currency | HKD | USD |
|---|---|---|
| Visa/Mastercard | ✓ | ✓ |
| Apple Pay | ✓ | ✓ |
| Google Pay | ✓ | ✓ |
| Alipay | ✓ | |
| AlipayHK | ✓ | |
| WeChat Pay | ✓ |
Security
- Payment Card: The Direct Model supports 3-D Secure (3DS) verification to protect each payment. You implement the 3DS verification steps by requesting the 3DS challenge page and presenting it to the customer.
- Digital Wallet: Authentication is conducted by the wallet's service provider through biometric authentication or username and password.
Payment flow
The Direct Model requires you to manage each payment step in your own application workflow. The steps vary by payment method:
- Credit card: four steps including 3DS session initialization, PayAPI Auth, optional 3DS challenge, and PayAPI Complete Authentication — see Credit Card Payment with 3DS.
- Alipay / WeChat Pay: choose from three terminal modes (SDK, WAP, PCWEB) to match your deployment target — see WeChat Pay/Alipay.
- Apple Pay / Google Pay: token-based flows using the wallet SDK — see Apple Pay/Google Pay.
Error handling
Handle failure results at every stage of the payment process. If a network error occurs, query the order result rather than assuming the payment succeeded. See Result Notification for details.