The Payguru Mobile Web Payments and Subscription flows are managed by the Payguru Platform through the "end-user interface integrations" between Payguru and the merchant.
Before describing it in details, it is necessary first to define 2 important concepts that are frequently used in the Payguru integration documents.
OTP: It is the abbreviation for "One Time Password". It is used in the traditional flow where the customer needs to enter his/her MSISDN into the landing, clicks the submit button, receives the One Time Pin Code via SMS which is expected to be entered in the corresponding field in the payment page as the confirmation i.e. traditional Pin Code Flow for WI-FI users.
Upon the request of the customer, the merchant directs the customer to the Payguru Hosted Subscription and Payment Page. This page is a mobile web page created by the merchant for its service within a framework in the Payguru Content Management System and approved by the Payguru Team. Merchant may add all the parameters - that could be needed for its own process - as a Query String in to the end of the call URL. From that point on, Payguru takes over the control of the billing and subscription process.
Payguru takes control of the entire payment process upon the customer's direction to the subscription and payment page hosted on Payguru Platforms.
The customer is expected to enter his/her MSISDN into the correspondind field and to click on "continue" button on the page.
All the customers (independent from their connection type being WI-FI or 3.5G) are expected to enter their MSISDN and click on the “continue” button. Once the customer clicks the button;
If the customer is Turkcell or Turktelekom subscriber;
If the customer is Vodafone subscriber
Customer enters the PINCODE he/she has received via SMS into the corresponding field on the Payguru Subscription and Payment Page within 5 minutes after step 2 in order to confirm the payment and subscription process.
Upon the confirmation, Payguru and the Operator commit the payment transaction and subscription.
Payguru transmits the result of the payment and subscription to the merchant through the notification URLs.
Payguru refreshes the Subscription and Payment Page showing the customer the result of the transaction.
Payguru and Operator send another SMS to the customer. The message contains the billing, subscription and cancellation information as well as credential information for the service, if necessary.
The screenshots of the OTP flow for Turkcell and Türk Telekom are presented below.