2. Integration Model

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Which integration model should you use?

MC Payment (MCP) offers both Gateway-Hosted and Merchant-Hosted payment models. In the gateway-hosted model, merchant will send a request to MCP server with the data format (see gateway hosted docs) to the specified server and upon successful validation, the merchant’s customer will be redirected to an MCP payment page to enter credit card details. After the transaction is completed, the user will be redirected to the merchant’s website.

In the case of merchant-hosted model, merchant will send a request to MCP server with the data format (see gateway hosted docs) to the specified server and validation and the transaction will be processed without redirecting the user away from the merchant’s website. To process credit card transactions via merchant-hosted integration model, a merchant must be PCI DSS certified. See here for more info on PCI DSS.

 

Gateway-hosted model

MCP provides two different interface for gateway hosted models.

MAP Payment UI

  1. Credit cards (Visa, MasterCard, American Express, Discover, Diners, China Union Pay, JCB)
  2. Singapore eNets
  3. Malaysia iBanking

PayX Payment UI

  1. Credit cards (Visa, MasterCard, American Express, Discover, Diners, China Union Pay, JCB)
  2. Alipay
  3. WeChat Pay
  4. Grabpay

 

Merchant-hosted model

As explained in merchant-hosted integration, users will not be redirected to MCP Payment Page. All credit card details will be entered on the merchant’s website. This is why merchant must be PCI certified to ensure that sensitive information entered on the merchant’s website is properly encrypted and stored without compromise. This however does not apply to Alipay and WeChat Pay

  1. Credit cards only (Visa, MasterCard, American Express, Discover, Diners, China Union Pay, JCB)
  2. Alipay
  3. WeChat Pay
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