Express Checkout

What is Express Checkout?

Express Checkout enables your customers to save their payment information so that your customers don’t need to input their details every time they want to make a payment. This means:

  • Faster, more convenient checkout process for your customers
  • Higher conversion rate for your business

The biggest benefit is that your customer can enjoy this seamless checkout experience immediately when they have transacted before at any of Xendit merchants who are using Express Checkout. This means that shoppers that arrive on your website for the first time - but have shopped on any other Xendit Express Checkout merchant before - will be treated as returning customers, and can enjoy faster checkout!

Supported Channels

For now, Xendit Express Checkout only supports these payment channels:

  • Debit & Credit Cards
  • eWallet - OVO

We are working on adding other payment channels to Express Checkout. In the future, you will be able to use other eWallets (Dana and ShopeePay) and other channels such as BCA OneKlik, Kredivo, etc. Please stay tuned!

Payment Flows

Cards

Below is the example flow of a customer paying using Cards Express Checkout:

StepFirst-time customersReturning customers
1Customer fills in their personal information (name, mobile number) and card information (card number, expiry date, CVV)Customer fills in their phone number and Xendit automatically detects returning customer by checking their mobile number
2Xendit sends the customer an OTP to the mobile number they providedXendit sends the customer an OTP to the mobile number they provided
3Xendit redirects the customer to the Cards payment flow*Xendit redirects the customer to the Cards payment flow*
4Payment complete!Payment complete!

*For cards with 3DS enabled, the customer will need to input an OTP from their bank. For cards without 3DS enabled, the customer’s payment will succeed immediately.

OVO

Below is the example flow of a customer paying using OVO Express Checkout:

StepFirst-time customersReturning customers
1Customer inputs their name and phone number on the customer detailsCustomer fills in their phone number and Xendit automatically detects returning customer by checking their mobile number
2Xendit sends the customer an OTP to the mobile number they providedXendit sends the customer an OTP to the mobile number they provided
3Customer chooses OVO eWallet and reads through OVO’s terms and conditionsXendit redirects the customer to the OVO payment flow
4Xendit sends another verification number to the customer’s mobile numberCustomer clicks “Pay Now” and needs to input their OVO security code again to authorize the transaction
5Customer needs to input their OVO security codePayment Complete!
6Customer clicks “Pay Now” and needs to input their OVO security code again to authorize the transaction
7Payment Complete!

Activate Express Checkout

Let us know if you’re interested in this feature by reaching out to your Account Manager or contacting help@xendit.co, and we’ll switch it on for you.

Use Express Checkout via API

When you use Create Invoice API, make sure you populate the customer object in the body request with the following parameters:

  • given_names
  • mobile_number

Xendit will use this information to pre-fill the customer fields in the Checkout UI, so that your customers won’t need to type them up. Although this is not mandatory for Express Checkout to work, we strongly recommend it because this is a smoother customer experience that increases the likelihood of conversion. Below is the example of how Express Checkout displays on Checkout UI

Test Express Checkout in Test mode

You can create an invoice in test mode with Express Checkout enabled. Complete the customer payment information on the Checkout UI and when you click “Pay Now,” an OTP modal will appear.

You can simulate a positive scenario by inputting 111000 as the 6-digit OTP.

To simulate negative scenarios, input the corresponding 6-digit OTP:

InputExpected Result
111001OTP_EXPIRED_ERROR
111002OTP_MAXIMUM_ATTEMPT_ERROR
111003VERIFY_OTP_ERROR
111004MAX_OTP_CREATED_WITHN_FREQUENCY_INTERVAL_ERROR

FAQs

Some other questions you or your customers may have:

QuestionAnswer
This is the first time I’ve shopped at this business. How are my card details saved?This means you’ve shopped at a different shop/business that is also using Xendit Express Checkout! Xendit allows you to save your card details to pay with any business that uses Xendit Express Checkout, to maximize your convenience.
Is it secure?Yes. Xendit is PCI-DSS certified and authorized to securely save your payment information.
Is my data shared to anyone other than Xendit?No. Xendit will not share your personal data with any third party without your consent.
What if I want Xendit to delete all my personal information related to Express Checkout?Please send us an email to invoice@xendit.co and let us know that you want to delete all your data from Xendit Express Checkout.

Last Updated on 2023-10-09