Processing transactions from digital and in-person channels through the Alignet platform.
Prerequisites
Review the technical, operational, and card-brand requirements before starting the integration.
Ecommerce
View the authorization flow for ecommerce payments.
POS
View the authorization flow for in-person payments.
Transaction processing
Alignet’s processing platform enables acquiring institutions and payment facilitators to submit, manage, and query transactions from different payment channels. Through a centralized integration, institutions can connect their digital and in-person channels to the authorization and processing services available on the platform. Supported channels may include:- Websites and checkout pages.
- Mobile applications.
- POS terminals and PinPads.
- Proprietary ecommerce platforms.
- Acquiring and payment facilitation systems.
Service models
Alignet can participate under different models according to the scope defined for each institution.Alignet as a processor
The institution maintains its role as an acquirer or payment facilitator, while Alignet provides the technology infrastructure required to process transactions. The service may include:- Transaction reception.
- Technical and business validations.
- Routing to the corresponding networks or institutions.
- Transaction authorization and response.
- Reversals, voids, and queries.
- Operation monitoring and traceability.
Acquiring processing
When an institution needs to operate as an acquirer for a card brand, the corresponding project with that brand must be completed beforehand. This process may include certifications, identifier enablement, connection setup, and operational validations before production begins.Brands and networks
Depending on the contracted model, country, service availability, and applicable enablements, Alignet may act as a processor for different payment brands and networks, including:- Visa.
- Mastercard.
- American Express.
- Diners Club.
- UnionPay.
- Other networks enabled for the project.
The availability of each brand must be confirmed during the evaluation and scope definition stage.
API integration
Communication with the platform takes place through API services, allowing the institution to manage the transaction lifecycle from its own systems. The general flow is as follows:1
Transaction initiation
The transaction originates from the institution’s, merchant’s, or payment facilitator’s channel.
2
Submission to Alignet
The institution submits the request through the processing API.
3
Validation and routing
Alignet validates the information and determines the applicable processing route.
4
Processing
The operation is sent to the corresponding network, brand, or institution.
5
Response
Alignet returns the transaction result to the source system.
Available operations
Depending on the contracted scope, the integration may include the following operations:Authorization
Process a new payment transaction.
Query
Query the status and result of an operation.
Reversal
Reverse a previously processed transaction.
Void or refund
Manage voids or refunds according to the enabled model.
Next steps
Before starting the integration, the institution should review the technical, operational, and brand requirements that apply to the project.Review the prerequisites
View the requirements for starting the integration project.