Customers can enjoy a great shopping experience when they check out on your app or website using Citi PayLite. They have the option to pay for their purchase either entirely or partially with points, and they can choose to pay all at once or in installments by using Easy Payment Plans.

The customers can enroll in Shop With Points and Citi PayLite by registering with their preferred Citi credit card. This allows them to verify their identity without compromising on their security. 

The customers provide 16-digit card number and the expiry date to verify their identity in order to enroll in Shop With Points and Citi PayLite with their preferred Citi credit card. The customers click on 'Send me one-time password' button to receive the OTP on their registered mobile number.

Refer to the API Callout 1 and 2 to be called during the screen load.

Refer to the API Callout 3 for information about generating a card access token upon clicking the button.

Customers complete their registration by validating the one-time password sent to their registered mobile number. They’ll receive a notification from their bank after a successful registration.

In case the customer opts to resend the OTP, the API Callout1 is invoked again. This API Callout generates a card access token upon clicking the Resend OTP link.

Refer to the API Callout 2 for information about activating card access token.

Customers are informed when their registration has been completed. 

Once they click on 'Shop now' button, they can retrieve their point balance and see if they are eligible for Easy Payment Plans.

Refer to the API Callout 1 for information about retrieving a point balance.

Refer to the API Callout 2 for information about determining Easy Payment Plan eligibility.

When checking the availability of the access token for a customer’s credit card: 

If the access token is not available, customers need to register themselves to get the access token, as illustrated in the above steps of this journey. 

If the token is already available, then the validity of the existing access token is determined. 

If the access token has expired, then you can refresh a customer’s access token by calling the Refresh Token API. Subsequent API calls in this journey are dependent on the availability of a valid access token. 

Customers can decide the number of points to redeem and may use them for full or partial payment of their purchases. Based on their inputs, a list of payment plans will be displayed. If they choose to pay partially with points, a part of the transaction amount will be settled through point redemption and the remaining will be billed as per the selected payment plan. Customers then click on 'Proceed' to submit the point redemption and plan booking request.

There can be different scenarios which the customer may select to make the payment at this step:

1. Full redemption of points

The customer can redeem all the available points and pay the remaining amount using Easy Payment Plan or Standard Card Purchase.

2. Partial redemption of points

The customer can do partial redemption of points and pay the remaining amount using Easy Payment Plan or Standard Card Purchase.

3. No redemption of points or no points available for redemption

If the customer doesn't have any points for redemption or doesn't opt to redeem any of his/her available points, then he/she can pay the complete purchase amount using Easy Payment Plan or Standard Card Purchase.

Refer to the below API callout to check the Easy Payment Plans eligibility for a card and the available Payment Plans details.

In this scenario, the partner's app or website already has the customer's credit card details to initiate the authorization.

After the customers select the redemption points and payment plan in the previous screen, the point redemption occurs in the background by calling the API Callout 1.

After that, the API Callout 2 is invoked to convert to easy payment plan.

Depending upon the customer's selection of payment in the previous screen, the API Callout1 and API Callout2 will be called accordingly and this screen will show the points redemption and installment details sections accordingly.

As per the Citi Fraud Rule, the customers need to validate the one-time password sent to their registered mobile number to proceed with loan booking.

 
Refer to:
•    API Callout 1 to retrieve the public key used for encryption.
•    API Callout 2 to validate the one time password.
•    API Callout 3 to re-generate and send the one time password.
•    API Callout 4 to confirm the authorization of a purchase done using card.

In an ideal scenario, APIs 1, 2, and 4 will be called.

Refer to : 
•    API Callout 5 for timeout reversal scenario in case API Callout 1 fails.