How to use Smart Checkout

First of all, kindly note that the integration of Smart Checkout to accept e-commerce payments from your customers involves minimal technical effort, and offers multiple features out-of-the-box such as full 3DS support and card tokenization (your customers can save and re-use their cards).

Smart Checkout supports a wide variety of use cases, which are explained in more detail below.

On this page:

When should I use recurring payments rather than one-off payments?

If the payment is initiated by you (the merchant), without the involvement of the customer, you should use recurring payments rather than one-off payments.

Use case (merchant): charge automatically a subscription or a bill, on a regular or non-regular schedule.

Find out about recurring payments: Create a recurring payment.

Recurring payments are not available with pre-authorizations or instalments.

When should I use a pre-authorization rather than a direct charge?

If the transfer of funds is to be initiated later, but you now want to ensure the customer has the required funds and in fact reserve these funds, you should use a pre-authorization rather than a direct charge.

Use cases (customer): make a reservation (e.g. hotel), place a pre-order, and so on.

Use cases (merchant): place a hold on the funds until the order is shipped, and so on.

Find out about pre-authorizations: Handle pre-authorizations.

Pre-authorizations are not available with recurring payments or instalments.

Can I offer payments with instalments to my customers?

You can offer your customers the option of paying with instalments (automatically splitting the total purchase amount into smaller equal payments) as long as the following criteria are met:

Find out about instalments: Pay by instalments option.

Instalments are not available with recurring payments or pre-authorizations.

Can the amount I charge my customer include a tip?

You have the possibility within every payment order to charge a tip to customers which is then included in the total amount. To set the tip amount, you simply pass the required value via the tipAmount parameter.

Find out about tipAmount and other parameters: Create payment order.

What should I do if I sell to international shoppers?

Make sure you present Smart Checkout in the language of the customer. For each payment, just pass through to Smart Checkout the language that you want it to presented in; use the requestLang parameter.

Find out about requestLang and other parameters: Create payment order.

Also, make sure you offer local payment methods that are familiar to your customers (see relevant question below).

What local payment methods can I offer to my customers?

The local payment methods that you can offer to your customers depend on the country in which you registered your Viva Wallet account and on your MCC (Merchant Category Code). Some of these payment methods will have been automatically enabled for you by us (e.g. Apple Pay), other payment methods can be enabled by yourself (e.g. PayPal), for others you need to get in touch with us to enable them for you.

Find out about payment methods: Payment methods.

How do I ensure a high conversion rate?

A high conversion rate depends on a happy user journey by doing the following:

Find out about the payment order parameters: Create payment order.

Find out about adding a logo: See Step 7 (Company Logo** field) of Payment source for checkouts.**

How much effort does it take to do the integration?

The integration is very simple and minimal effort is required from your side.

Keep in mind to perform a proper redirect and not use an iframe or a pop-up. Using an iframe or a pop-up will disable certain features, it will also result in a poor user experience, and thus overall reduce significantly your conversion rates. Customers are accustomed to being redirected to a payment page to conclude their purchase online.

Also, no effort is required for Smart Checkout updates, as Viva Wallet handles any enhancements to offer new features and additional payment methods on an ongoing basis.

Find out about Smart Checkout integration: Smart Checkout.