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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.

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The Yuno payment process

The payment process consists of the following steps:
1

Create a customer

Payments in Yuno usually link 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. When you create a customer, Yuno generates a unique identifier for use in later steps.
A payment can be created without a customer. If you create the checkout session with a customer_id, send the same customer in customer_payer.id when you create the payment.
2

Create a checkout session

To process a payment with Yuno SDK or Checkout, create a checkout session. This session connects the customer to the payment and stores key transaction details. Yuno loads all available payment methods linked to your account.
Direct/Server-to-server integrations skip this step and provide the transaction details directly during payment creation. Set workflow to DIRECT (or REDIRECT) on the payment request. Without it, the API asks for the checkout object.
3

Collect payment details

To process a payment, you need to collect the customer’s payment information.
  • SDK Integration: Yuno’s SDKs securely capture sensitive data and generate a one-time token (OTT).
  • Direct Integration: You collect the payment details directly on your servers (requiring PCI compliance) and send them to the payment endpoint.
An OTT is a temporary, single-use code used by Yuno SDKs to enhance security for merchants.
4

Create the payment

A payment represents the final transaction. Use the data collected in the previous steps (customer ID and payment information) to process the final transaction.
Certain fields are optional but can enhance user experience. Consider mandatory fields if you decide to include this information.
The create payment request requires the X-Idempotency-Key header. Send a unique value (for example, a UUID) so you can safely retry the request. See Idempotency.
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.