How the Yuno Payment Process Works

While Yuno provides diverse payment options, the basic payment process always follows the same sequence. This guide provides a step-by-step breakdown of the process and key elements involved, clarifying how payments flow when utilizing Yuno's SDKs or API.

The Yuno payment process

The payment process consists of four steps:

1. Create a customer
2. Create a checkout session
3. Create a one-time token
4. Create the payment

A successful payment leads to a completed transaction based on the customer's payment details and available funds.

The steps below explain each part of the process in detail.

Step 1: Create a customer

Every payment in Yuno links to a customer. The system stores customer details such as name, address, and phone number. Yuno uses this information to process payments across different payment methods and processors. Payment methods can be enrolled in customer profiles.

When you create a customer, Yuno generates a unique identifier for use in later steps. Although some details are optional, adding a phone number, billing address, and shipping address can improve the user's payment experience.

Step 2: Create a checkout session

To process a payment, create a checkout session. This session connects the customer to the payment and stores key transaction details.

When you create a checkout session, Yuno loads all available payment methods linked to your account. You can present these options to your customer at checkout. After they select a payment method, proceed to the next step.

Step 3: Create a one-time token

A one-time token (OTT) enhances payment security by protecting sensitive customer information. This temporary code ensures privacy during transactions.

To generate an OTT, provide:

• The customer's identification
• The associated checkout session
• The selected payment method

Info:
A one-time token (OTT) is a temporary, single-use code that prevents unauthorized reuse. It enhances security by ensuring each transaction is unique, blocking fraud and unauthorized access.

Yuno securely generates the OTT, preventing sensitive details from being stored on your servers. This method adds a layer of security and simplifies recurring payments by keeping payment information safe for future use.

Step 4: Create the payment

A payment represents a customer's transaction on Yuno's platform, consolidating all necessary order details.

To process a payment, use the data collected in the previous steps. The transaction must occur within a checkout session and include:

• A connected customer
• A valid OTT for security

The payment entity organizes transaction details, ensuring a clear and structured payment flow. This setup simplifies tracking and reconciliation.

After creating the payment, Yuno will keep you informed about updates through webhooks. Additionally, Yuno offers fraud prevention solutions that you can integrate into the payment process.