Advanced Options

Here you can find some examples of advanced workflow customization for our ready-to-use UI.

PAYMENT METHODS

Brand management
Display total amount
Custom logos
Remove back button

CREDIT CARDS

Skipping CVV
Skipping card holder
Override card holder validation
Display installment options
Display billing address
Card brand detection

SECURITY

Protect payments with device authentication

CALLBACKS

Before submit callback
Summary page

COPYandPAY in mSDK

PAYMENT METHODS

Brand management

There are 2 possible ways to set brands for your checkout:

In your app (see Configuring Checkout Settings)
In the merchant and administration portal - allowing to update the brands offered to shoppers without requiring an update of the mobile app.

Located under "Administration > COPYandPAY > Categories > Brands", you optionally can define which brands are displayed in the checkout by configuring the "Allowed Brands" on a channel, or any of its parents/ancestors.

To activate the brand configuration through the merchant and administration portal, first set the "Activate Brand Management" to TRUE.

The last setting "Override shop brands" is used to decide on the policy to propagate new Brands you enter to the checkout:

Either override whatever was defined in the shop. (Value TRUE)
Or offer only brands for payment, that are both specified in the BIP and in the checkout settings in the app (Value FALSE, default)

Display total amount

By default total amount is not shown in ready-to-use UI. Since version 2.23.0 you can enable this option by setting boolean property displayTotalAmount of OPPCheckoutSettings class.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.displayTotalAmount = YES;

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.displayTotalAmount = true

By default total amount is not shown in ready-to-use UI. Since version 2.23.0 you can enable this option by setting boolean property isTotalAmountRequired of CheckoutSettings class.

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
checkoutSettings.setTotalAmountRequired(true);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
checkoutSettings.isTotalAmountRequired = true

Total amount will be shown on the payment method selection screen and on the payment forms right in the button like on the screenshots below.

Custom logos

Since version 2.48.0 ready-to-use UI allows to set your custom logos for the payment brands.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
UIImage *privateLabelLogo = [UIImage imageNamed:@"logo.png"];
checkoutSettings.customLogos = @{@"PRIVATE_LABEL" : privateLabelLogo};

let checkoutSettings = OPPCheckoutSettings()
let privateLabelLogo = UIImage.init(named: "logo.png")
checkoutSettings.customLogos = ["PRIVATE_LABEL" : privateLabelLogo!]

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
checkoutSettings.setCustomLogo("PRIVATE_LABEL", R.drawable.logo);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
checkoutSettings.setCustomLogo("PRIVATE_LABEL", R.drawable.logo)

Remove back button

By default back button is shown in ready-to-use UI. Since version 4.10.0, you can enable or disable this option by setting boolean property backButtonAvailable of OPPCheckoutSettings class.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.backButtonAvailable = NO;

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.backButtonAvailable = false

By default back button is shown in ready-to-use UI. Since version 4.10.0, you can enable or disable this option by setting boolean property isBackButtonAvailable of CheckoutSettings class.

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
checkoutSettings.setBackButtonAvailable(false);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
checkoutSettings.isBackButtonAvailable = false

Back button will not be shown on payment form and screenshot looks like below.

CREDIT CARD

Skipping CVV

Checkout project provides an opportunity to skip CVV request for all cards or only for stored ones.

You can manage this by updating option skipCVV of OPPCheckoutSettings class:

OPPCheckoutSkipCVVModeNever - Always request CVV for card payments. This is set by default.
OPPCheckoutSkipCVVModeForStoredCards - Skip CVV check only for payments by stored cards.
OPPCheckoutSkipCVVModeAlways - Always skip CVV check. CVV field won't be displayed in card payment forms.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.skipCVV = OPPCheckoutSkipCVVModeForStoredCards;

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.skipCVV = .forStoredCards

You can manage this by updating CheckoutSkipCVVMode of CheckoutSettings class:

CheckoutSkipCVVMode.NEVER - Always request CVV for card payments. This is set by default.
CheckoutSkipCVVMode.FOR_STORED_CARDS - Skip CVV check only for payments by stored cards.
CheckoutSkipCVVMode.ALWAYS - Always skip CVV check. CVV field won't be displayed in card payment forms.

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
checkoutSettings.setSkipCVVMode(CheckoutSkipCVVMode.FOR_STORED_CARDS);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
checkoutSettings.skipCVVMode = CheckoutSkipCVVMode.FOR_STORED_CARDS

Skipping card holder

If you are not going to collect holder name for the card payments, you can just hide this field using appropriate configuration of the OPPCheckoutSettingsCheckoutSettings:

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.cardHolderVisible = NO;

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.isCardHolderVisible = false

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
checkoutSettings.setCardHolderVisible(false);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
checkoutSettings.isCardHolderVisible = false

Override card holder validation

Since version 2.29.0 ready-to-use UI allows you to override holder validation for the card payments.

The OPPCheckoutProviderDelegate protocol provides you a validateCardHolder callback to override holder validation.

// Adopt a OPPCheckoutProviderDelegate protocol
@interface CheckoutViewController () <OPPCheckoutProviderDelegate>
@end

@implementation CheckoutViewController
...
- (IBAction)checkoutButtonAction:(id)sender {
    // Set a delegate property for the OPPCheckoutProvider instance
    self.checkoutProvider.delegate = self;
    ...
}

// Implement a callback, it will be called after holder text field loses focus or Pay button is pressed
- (BOOL)checkoutProvider:(OPPCheckoutProvider *)checkoutProvider validateCardHolder:(nullable NSString *)cardHolder {
    // Implement your internal validation
    // return `YES` if the card holder is valid, otherwise `NO`
}

@end

// Adopt a OPPCheckoutProviderDelegate protocol
class CheckoutViewController: UIViewController, OPPCheckoutProviderDelegate {
    ...
    @IBAction func checkoutButtonAction(_ sender: UIButton) {
        // Set a delegate property for the OPPCheckoutProvider instance
        self.checkoutProvider.delegate = self
        ...
    }

    // Implement a callback, it will be called after holder text field loses focus or Pay button is pressed
    func checkoutProvider(_ checkoutProvider: OPPCheckoutProvider, validateCardHolder cardHolder: String?) -> Bool {
        // Implement your internal validation
	// return `true` if the card holder is valid, otherwise `false`
    }
}

Implement IPaymentFormListener listener to catch payment form events and pass it to the CheckoutSettings.
Listener also should implement Parcelable interface as it will be passed through intent.

// Create your listener to override holder validation
public class CustomFormListener implements IPaymentFormListener {
    public CustomFormListener() {}
    
    @Override
    public CheckoutValidationResult onCardHolderValidate(String holder) {
        // Your internal validation here
        if (isHolderValid(holder)) {
            return CheckoutValidationResult.VALID;
        } else {
            return CheckoutValidationResult.NOT_VALID;
        }
    }

    @Override
    public int describeContents() {
        return 0;
    }

    @Override
    public void writeToParcel(Parcel parcel, int i) {}
    
    private CustomFormListener(Parcel in) {}

    public static final Creator<CustomFormListener> CREATOR = new Creator<CustomFormListener>() {
        @Override
        public CustomFormListener createFromParcel(Parcel in) {
            return new CustomFormListener(in);
        }

        @Override
        public CustomFormListener[] newArray(int size) {
            return new CustomFormListener[size];
        }
    };
}

// Create your listener to override holder validation 
class CustomFormListener() : IPaymentFormListener { 
    constructor(parcel: Parcel) : this() { 
    } 

    override fun writeToParcel(parcel: Parcel, flags: Int) { 
    } 

    override fun onCardHolderValidate(holder: String?): CheckoutValidationResult { 
        // Your internal validation here 
        return if (isCardHolderValid(holder)) { 
            CheckoutValidationResult.VALID 
        } else { 
            CheckoutValidationResult.NOT_VALID 
        } 
    } 

    override fun describeContents(): Int { 
        return 0 
    } 

    companion object CREATOR : Parcelable.Creator<CustomFormListener> { 
        override fun createFromParcel(parcel: Parcel): CustomFormListener { 
            return CustomFormListener(parcel) 
        } 

        override fun newArray(size: Int): Array<CustomFormListener?> { 
            return arrayOfNulls(size) 
        }
    }
}

Pass created listener to the CheckoutSettings.

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);

checkoutSettings.setPaymentFormListener(new CustomFormListener());

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
checkoutSettings.paymentFormListener = CustomFormListener()

Display installment options

By default the installment option is disabled. Since version 2.30.0 you can enable this option by configuring OPPCheckoutSettings in the following way:

Enable installment payments
Set your list of options if needed. Default is 1, 3, 5.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.installmentEnabled = YES;
checkoutSettings.installmentOptions = @[@1, @2, @3];

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.isInstallmentEnabled = true
checkoutSettings.installmentOptions = [1, 2, 3]

To display installment options configure CheckoutSettings in the following way:

Enable installment payments
Set your list of options if needed. Default is 1, 3, 5.

CheckoutSettings checkoutSettings = new CheckoutSettings(
        checkoutId, paymentBrands, providerMode);

checkoutSettings.setInstallmentEnabled(true);
checkoutSettings.setInstallmentOptions(new Integer[] { 1, 2, 3 });

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
checkoutSettings.isInstallmentEnabled = true 
checkoutSettings.installmentOptions = arrayOf(1, 2, 3)

Display billing address

It's possible to have the billing address fields available and have them pre-filled.

OPPCheckoutSettings *settings = [[OPPCheckoutSettings alloc] init];
OPPBillingAddress *address = [[[[[[[[[[[[[[OPPBillingAddressBuilder new]
                                                  withCountry:@"US"]
                                          withCountryRequired:YES]
                                                    withState:@"NY"]
                                            withStateRequired:YES]
                                                     withCity:@"New York"]
                                             withCityRequired:YES]
                                                 withPostCode:@"12345"]
                                         withPostCodeRequired:YES]
                                                  withStreet1:@"Suite 1234"]
                                          withStreet1Required:YES]
                                                  withStreet2:@"Some Road"]
                                          withStreet2Required:NO] build];
checkoutSettings.billingAddress = address;

let checkoutSettings = OPPCheckoutSettings()
let address = OPPBillingAddressBuilder()
                        .withCity("US")
                        .withCityRequired(true)
                        .withState("NY")
                        .withStateRequired(true)
                        .withCity("New York")
                        .withCityRequired(true)
                        .withPostCode("12345")
                        .withPostCodeRequired(true)
                        .withStreet1("Suite 1234")
                        .withStreet1Required(true)
                        .withStreet2("Some Road")
                        .withStreet2Required(false)
                        .build()
checkoutSettings.billingAddress = address

CheckoutSettings checkoutSettings = new CheckoutSettings(
        checkoutId, 
        paymentBrands, 
        providerMode
);

BillingAddress billingAddress = new BillingAddress.Builder()
        .setCountry("US")
        .setCountryRequired(true)
        .setState("NY")
        .setStateRequired(true)
        .setCity("New York")
        .setCityRequired(true)
        .setPostCode("12345")
        .setPostCodeRequired(true)
        .setStreet1("Suite 1234")
        .setStreet1Required(true)
        .setStreet2("Some Road")
        .setStreet2Required(false)
        .build();
        
checkoutSettings.setBillingAddress(billingAddress);

val checkoutSettings = CheckoutSettings(
        checkoutId,
        paymentBrands,
        providerMode
)

val billingAddress = BillingAddress.Builder()
        .setCountry("US")
        .setCountryRequired(true)
        .setState("NY")
        .setStateRequired(true)
        .setCity("New York")
        .setCityRequired(true)
        .setPostCode("12345")
        .setPostCodeRequired(true)
        .setStreet1("Suite 1234")
        .setStreet1Required(true)
        .setStreet2("Some Road")
        .setStreet2Required(false)
        .build()

checkoutSettings.billingAddress = billingAddress

Card brand detection

Card brand is detected automatically while shopper is typing the card number. However there are some configurations you might want to apply regarding your needs.

Firstly you can choose between different ways of brand detection:

using base of regular expressions
using library of bins, which is more precise.

Then you should choose how to proceed if multiple card brands are detected.

Set the order for detected brands
Decide whether you want either present multiple brands or hide them by default

Below you can see more detailed description for each configuration with user cases and video snippets.

Brand detection type

Brands priority

Brand detection appearance style

REGEX

Regular expression is set of rules to detect card brand. It works fast and quite reliable.

This type of brand detection is used by default, but you can explicitly specify the type in the code:

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

// Set configured payment brands
checkoutSettings.paymentBrands = @[@"VISA", @"MASTER", @"MAESTRO", @"AMEX"];

// Regex as a card brand detection type					
checkoutSettings.brandDetectionType = OPPCheckoutBrandDetectionTypeRegex;

let checkoutSettings = OPPCheckoutSettings()

// Set configured payment brands
checkoutSettings.paymentBrands = ["VISA", "MASTER", "MAESTRO", "AMEX"];

// Regex as a card brand detection type	
checkoutSettings.brandDetectionType = OPPCheckoutBrandDetectionType.regex;

Set<String> paymentBrands = new LinkedHashSet<>();
paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("MAESTRO");
paymentBrands.add("AMEX");

CheckoutSettings checkoutSettings = new CheckoutSettings(
	checkoutId, paymentBrands, providerMode);

// Regex as a card brand detection type	        
checkoutSettings.setBrandDetectionType(CheckoutBrandDetectionType.REGEX);

val paymentBrands = hashSetOf("VISA", "MASTER", "MAESTRO", "AMEX") 
 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
// Regex as a card brand detection type             
checkoutSettings.brandDetectionType = CheckoutBrandDetectionType.REGEX

Use case:

Configured brands: VISA, MASTER, MAESTRO, AMEX
Shopper types 5710 1000 0000 0008
MASTER, MAESTRO are detected
MASTER is choosen by default

BIN LIST

The library of bins is more precise way to detect card brand, but it works a bit slower. The library is regularly updated, so it's the most reliable source.

To enable brand detection by bin list, change the following option in CheckoutSettings

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

// Set configured payment brands
checkoutSettings.paymentBrands = @[@"VISA", @"MASTER", @"MAESTRO", @"AMEX"];

// Set bin list as a card brand detection type				
checkoutSettings.brandDetectionType = OPPCheckoutBrandDetectionTypeBinList;

let checkoutSettings = OPPCheckoutSettings()

// Set configured payment brands
checkoutSettings.paymentBrands = ["VISA", "MASTER", "MAESTRO", "AMEX"];

// Set bin list as a card brand detection type
checkoutSettings.brandDetectionType = OPPCheckoutBrandDetectionType.binList;

Set<String> paymentBrands = new LinkedHashSet<>();
paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("MAESTRO");
paymentBrands.add("AMEX");

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);

// Set bin list as a card brand detection type       
checkoutSettings.setBrandDetectionType(CheckoutBrandDetectionType.BINLIST);

val paymentBrands = hashSetOf("VISA", "MASTER", "MAESTRO", "AMEX") 
 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
// Set bin list as a card brand detection type        
checkoutSettings.brandDetectionType = CheckoutBrandDetectionType.BINLIST

Use case:

Configured brands: VISA, MASTER, MAESTRO, AMEX
Bin list brand detection type is enabled
Shopper types 5710 1000 0000 0008
MASTER, MAESTRO are detected first (still use regular expression as fallback)
After 6 digits typed, card bin is searched in bin list which says it's a MAESTRO card, not MASTER

BRANDS PRIORITY

When multiple brands are detected you might want to show some preffered brand first in the list. CheckoutSettings provides a special option for it:

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

// Set configured payment brands
checkoutSettings.paymentBrands = @[@"VISA", @"MASTER", @"MAESTRO", @"AMEX"];

// Set the preferred order of the detected card brands
checkoutSettings.paymentBrands = @[@"MAESTRO", @"MASTER"];

let checkoutSettings = OPPCheckoutSettings()

// Set configured payment brands
checkoutSettings.paymentBrands = ["VISA", "MASTER", "MAESTRO", "AMEX"];

// Set the preferred order of the detected card brands
checkoutSettings.paymentBrands = ["MAESTRO", "MASTER"];

Set<String> paymentBrands = new LinkedHashSet<>();
paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("MAESTRO");
paymentBrands.add("AMEX");

CheckoutSettings checkoutSettings = new CheckoutSettings(
	checkoutId, paymentBrands, providerMode);

List<String> brandsPriority = new ArrayList<>();
brandsPriority.add("MAESTRO");
brandsPriority.add("MASTER");

// Set the preferred order of the detected card brands
checkoutSettings.setBrandDetectionPriority(brandsPriority);

val paymentBrands = hashSetOf("VISA", "MASTER", "MAESTRO", "AMEX") 
 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
val brandsPriority = arrayListOf("MAESTRO", "MASTER") 
 
// Set the preferred order of the detected card brands 
checkoutSettings.brandDetectionPriority = brandsPriority

Use case:

Configured brands: VISA, MASTER, MAESTRO, AMEX
Priority for detected brands is set to "MAESTRO, MASTER"
Shopper types 5710 1000 0000 0008
MAESTRO, MASTER are detected
MAESTRO is choosen by default

ACTIVE

The detected card brands interface appears automatically. This is default behavior.

INACTIVE

The detected card brands interface is hidden. The user can make it visible by clicking on card icon in the card number text field.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

// Set configured payment brands
checkoutSettings.paymentBrands = @[@"VISA", @"MASTER", @"MAESTRO", @"AMEX"];

// Hide the detected brands
checkoutSettings.brandDetectionAppearanceStyle = OPPCheckoutBrandDetectionAppearanceStyleInactive;

let checkoutSettings = OPPCheckoutSettings()

// Set configured payment brands
checkoutSettings.paymentBrands = ["VISA", "MASTER", "MAESTRO", "AMEX"]

// Hide the detected brands
checkoutSettings.brandDetectionAppearanceStyle = OPPCheckoutBrandDetectionAppearanceStyle.inactive

Set<String> paymentBrands = new LinkedHashSet<>();
paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("MAESTRO");
paymentBrands.add("AMEX");

CheckoutSettings checkoutSettings = new CheckoutSettings(
	    checkoutId, paymentBrands, providerMode);

// Hide the detected brands        
checkoutSettings.setBrandDetectionAppearanceStyle(CheckoutBrandDetectionAppearanceStyle.INACTIVE);

val paymentBrands = hashSetOf("VISA", "MASTER", "MAESTRO", "AMEX") 

 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
// Hide the detected brands   
checkoutSettings.setBrandDetectionAppearanceStyle(CheckoutBrandDetectionAppearanceStyle.INACTIVE)

Use case:

Configured brands: VISA, MASTER, MAESTRO, AMEX
Brand detection appearance style is set to INACTIVE
Shopper types 5710 1000 0000 0008
MASTER, MAESTRO are detected, but options are not shown under the card number field
MASTER is choosen by default

Shopper is still able to choose another brand manually if they want.

NONE

The detected card brands interface is disabled. The brand will be set based on the brands priority.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

// Set configured payment brands
checkoutSettings.paymentBrands = @[@"VISA", @"MASTER", @"MAESTRO", @"AMEX"];

// Set the preferred order of the detected card brands
checkoutSettings.brandDetectionPriority = @[@"MAESTRO", @"MASTER"];

// Disable the detected brands showing
checkoutSettings.brandDetectionAppearanceStyle = OPPCheckoutBrandDetectionAppearanceStyleNone;

let checkoutSettings = OPPCheckoutSettings()

// Set configured payment brands
checkoutSettings.paymentBrands = ["VISA", "MASTER", "MAESTRO", "AMEX"]

// Set the preferred order of the detected card brands
checkoutSettings.brandDetectionPriority = ["MAESTRO", "MASTER"]

// Hide the detected brands
checkoutSettings.brandDetectionAppearanceStyle = OPPCheckoutBrandDetectionAppearanceStyle.none

Set<String> paymentBrands = new LinkedHashSet<>();
paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("MAESTRO");
paymentBrands.add("AMEX");

CheckoutSettings checkoutSettings = new CheckoutSettings(
	    checkoutId, paymentBrands, providerMode);

List<String> brandsPriority = new ArrayList<>();
brandsPriority.add("MAESTRO");
brandsPriority.add("MASTER");

// Set the preferred order of the detected card brands
checkoutSettings.setBrandDetectionPriority(brandsPriority);

// Disable the detected brands showing	        
checkoutSettings.setBrandDetectionAppearanceStyle(CheckoutBrandDetectionAppearanceStyle.NONE);

val paymentBrands = hashSetOf("VISA", "MASTER", "MAESTRO", "AMEX") 

 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 

val brandsPriority = arrayListOf("MAESTRO", "MASTER") 
 
// Set the preferred order of the detected card brands 
checkoutSettings.brandDetectionPriority = brandsPriority
 
// Disable the detected brands showing          
checkoutSettings.setBrandDetectionAppearanceStyle(CheckoutBrandDetectionAppearanceStyle.NONE)

Use case:

Configured brands: VISA, MASTER, MAESTRO, AMEX
Priority for detected brands is set to "MAESTRO, MASTER"
Brand detection appearance style is set to NONE
Shopper types 5710 1000 0000 0008
MASTER, MAESTRO are detected
MAESTRO is chosen by default

NOTE: If the brands priority is not set then the brand will be chosen based on the payment brands order.

SECURITY

Protect payments with Touch ID / Face ID

You can provide additional security for your shoppers by enabling biometric authentication for payment confirmation.
To complete payment shopper will have to authenticate with Touch ID of Face ID, if they are set on device, otherwise device passcode will be requested.

It's recommended to enable this protection for tokens (stored cards and back account information).
Biometrics authentication can be configured for any payment brands as well.

There are three modes of requesting device authentication:

Never OPPSecurityPolicyModeDeviceAuthNotRequired
If available OPPSecurityPolicyModeDeviceAuthRequiredIfAvailable
Always OPPSecurityPolicyModeDeviceAuthRequired

To configure device authentication create an appropriate OPPSecurityPolicy and add it to the securityPolicies option of the OPPCheckoutSettings.
OPPSecurityPolicy applies specified mode for tokens or list of payment brands.

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];

OPPSecurityPolicy *securityPolicyForTokens = [OPPSecurityPolicy securityPolicyForTokensWithMode:OPPSecurityPolicyModeDeviceAuthRequired];
NSArray *paymentBrands = @[@"VISA", @"MASTER"];
OPPSecurityPolicy *securityPolicyForPaymentMethods = [OPPSecurityPolicy securityPolicyWithPaymentBrands:paymentBrands mode:OPPSecurityPolicyModeDeviceAuthRequiredIfAvailable];
        
checkoutSettings.securityPolicies = @[securityPolicyForPaymentMethods, securityPolicyForTokens];

let checkoutSettings = OPPCheckoutSettings()

let securityPolicyForTokens = OPPSecurityPolicy(forTokensWith: .deviceAuthRequired)
let paymentBrands = ["VISA", "MASTER"]
let securityPolicyForPaymentBrands = OPPSecurityPolicy(paymentBrands: paymentBrands, mode: .deviceAuthRequiredIfAvailable)

checkoutSettings.securityPolicies = [securityPolicyForPaymentBrands, securityPolicyForTokens]

Protect payments with device authentication

NOTE: This functionality available only for Android 5.0 (API level 21) and higher.

You can provide additional security for your shoppers by enabling payment confirmation with device authentication.
To complete payment shopper will have to provide their credentials (Pattern, PIN, Password or Fingerprint if available).

It's recommended to enable this protection for tokens (stored cards and back account information).
Protection with device authentication can be configured for any payment brands as well.

There are three modes of requesting device authentication

Never CheckoutSecurityPolicyMode.DEVICE_AUTH_NOT_REQUIRED
If available CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED_IF_AVAILABLE
Always CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED

You can configure device authentication per payment brand. For example:

Set<String> paymentBrands = new LinkedHashSet<String>();

paymentBrands.add("VISA");
paymentBrands.add("MASTER");
paymentBrands.add("DIRECTDEBIT_SEPA");

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);

checkoutSettings.setSecurityPolicyModeForBrand("VISA", CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED);
checkoutSettings.setSecurityPolicyModeForBrand("MASTER", CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED_IF_AVAILABLE);

val paymentBrands = hashSetOf("VISA", "MASTER", "DIRECTDEBIT_SEPA") 
 
val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
 
checkoutSettings.setSecurityPolicyModeForBrand("VISA", CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED) 
checkoutSettings.setSecurityPolicyModeForBrand("MASTER", CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED_IF_AVAILABLE)

Set device authentication for tokens:

checkoutSettings.setSecurityPolicyModeForTokens(CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED);

checkoutSettings.securityPolicyModeForTokens = CheckoutSecurityPolicyMode.DEVICE_AUTH_REQUIRED

CALLBACKS

Receiving callbacks during checkout process

The CheckoutActivity sends the callback before the payment is submitted. It can be used to review the payment details, request a new checkout id with additional parameters for specific payment brand or cancel the payment. This callback can be handled with BroadcastReceiver or OnBeforeSubmitCallback.

Using BroadcastReceiver (since version 2.13.0)

Create your broadcast receiver to listen the intents from CheckoutActivity.

public class CheckoutBroadcastReceiver extends BroadcastReceiver {

    @Override
    public void onReceive(Context context, Intent intent) {
        String action = intent.getAction();

        if (CheckoutActivity.ACTION_ON_BEFORE_SUBMIT.equals(action)) {
            String paymentBrand = intent.getStringExtra(CheckoutActivity.EXTRA_PAYMENT_BRAND);
            String checkoutId = intent.getStringExtra(CheckoutActivity.EXTRA_CHECKOUT_ID);
            ComponentName senderComponentName = intent.getParcelableExtra(
                    CheckoutActivity.EXTRA_SENDER_COMPONENT_NAME);

            
            // this callback can be used to request a new checkout id if selected payment brand requires  
            // some specific parameters or just send back the same checkout id to continue checkout process
            intent = new Intent(CheckoutActivity.ACTION_ON_BEFORE_SUBMIT);
            intent.setComponent(senderComponentName);
            intent.setPackage(senderComponentName.getPackageName());
            intent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK);
            intent.putExtra(CheckoutActivity.EXTRA_CHECKOUT_ID, checkoutId);

            // the transaction can be aborted by sending the CheckoutActivity.EXTRA_TRANSACTION_ABORTED
            intent.putExtra(CheckoutActivity.EXTRA_TRANSACTION_ABORTED, true);

            context.startActivity(intent);
        }
    }
}

class CheckoutBroadcastReceiver : BroadcastReceiver() { 
 
    override fun onReceive(context: Context, intent: Intent?) { 
        val action = intent?.action 
         
        if (CheckoutActivity.ACTION_ON_BEFORE_SUBMIT == action) { 
            val paymentBrand = intent.getStringExtra(CheckoutActivity.EXTRA_PAYMENT_BRAND) 
            val checkoutId = intent.getStringExtra(CheckoutActivity.EXTRA_CHECKOUT_ID) 
            val senderComponentName: ComponentName? = intent.getParcelableExtra( 
                    CheckoutActivity.EXTRA_SENDER_COMPONENT_NAME) 
 
            // this callback can be used to request a new checkout id if selected payment brand requires  
            // some specific parameters or just send back the same checkout id to continue checkout process
            val newIntent = Intent(CheckoutActivity.ACTION_ON_BEFORE_SUBMIT) 
            newIntent.component = senderComponentName 
            newIntent.setPackage(senderComponentName!!.packageName) 
            newIntent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK | Intent.FLAG_ACTIVITY_SINGLE_TOP) 
            newIntent.putExtra(CheckoutActivity.EXTRA_CHECKOUT_ID, checkoutId) 
 
            // the transaction can be aborted by sending the CheckoutActivity.EXTRA_TRANSACTION_ABORTED
            newIntent.putExtra(CheckoutActivity.EXTRA_TRANSACTION_ABORTED, true) 
             
            context.startActivity(newIntent) 
        } 
    } 
}

Declare your broadcast receiver in AndroidManifest.xml.

<receiver
    android:name=".CheckoutBroadcastReceiver"
    android:exported="false" />

NOTE: It is important to set android:exported="false" to your broadcast receiver. In this case the only messages the broadcast receiver can receive are those sent by components of the same application or applications with the same user ID.

To provide the best security our SDK uses directed broadcasts. This way our broadcast is received only by the specified BroadcastReceiver. For this reason you should set ComponentName to the CheckoutSettings.

CheckoutSettings checkoutSettings = new CheckoutSettings(checkoutId, paymentBrands, providerMode);
ComponentName receiverComponentName = new ComponentName("yourPackageName", "yourReceiverClassName");

checkoutSettings.setComponentName(receiverComponentName);

val checkoutSettings = CheckoutSettings(checkoutId, paymentBrands, providerMode) 
val receiverComponentName = ComponentName("yourPackageName", "yourReceiverClassName") 

checkoutSettings.componentName = receiverComponentName

Using OnBeforeSubmitCallback (since version 6.8.0)

Create a class implements OnBeforeSubmitCallback.

public class CheckoutCallback
        implements OnBeforeSubmitCallback {

    public CheckoutCallback() {
        // do nothing
    }

    public CheckoutCallback(@NonNull Parcel in) {
        // do nothing
    }

    @Override
    public void onBeforeSubmit(@NonNull PaymentDetails paymentDetails,
                               @NonNull Listener listener) {
        // review and update the payment details if needed,
        // pass the payment details object back to Mobile SDK using listener
        listener.onComplete(paymentDetails);
    }

    @Override
    public int describeContents() {
        return 0;
    }

    @Override
    public void writeToParcel(@NonNull Parcel parcel,
                              int flags) {
        // do nothing
    }

    public static final Creator CREATOR =
            new Creator() {
        @Override
        public CheckoutCallback createFromParcel(Parcel in) {
            return new CheckoutCallback(in);
        }

        @Override
        public CheckoutCallback[] newArray(int size) {
            return new CheckoutCallback[size];
        }
    };
}

class CheckoutCallback() : OnBeforeSubmitCallback {

    constructor(parcel: Parcel) : this() {
        // do nothing
    }

    override fun onBeforeSubmit(
        paymentDetails: PaymentDetails,
        listener: OnBeforeSubmitCallback.Listener
    ) {
        // review and update the payment details if needed,
        // pass the payment details object back to Mobile SDK using listener
        listener.onComplete(paymentDetails)
    }

    override fun describeContents(): Int {
        return 0
    }

    override fun writeToParcel(
        parcel: Parcel, 
        flags: Int
    ) {
        // do nothing
    }

    companion object CREATOR : Creator {
        override fun createFromParcel(parcel: Parcel): CheckoutCallback {
            return CheckoutCallback(parcel)
        }

        override fun newArray(size: Int): Array {
            return arrayOfNulls(size)
        }
    }
}

Set OnBeforeSubmitCallback to the CheckoutSettings.

checkoutSettings.setOnBeforeSubmitCallback(new CheckoutCallback());

checkoutSettings.onBeforeSubmitCallback = CheckoutCallback()

NOTE: If the BroadcastReceiver and OnBeforeSubmitCallback are both set in the CheckoutSettings, then only OnBeforeSubmitCallback will be used.

In some cases you may want to review the transaction before it submitted to the Server. OPPCheckoutProviderDelegate protocol provides you a method to receive such an event with ability to affect the checkout process.

Here are the common scenarios to use the event:

Review the transaction and abort it in case of some internal errors.
Recreate checkout ID for specific payment brands, e.g. if they need some custom parameters to be sent at 1st step.

// Adopt a OPPCheckoutProviderDelegate protocol
@interface CheckoutViewController () <OPPCheckoutProviderDelegate>
@end

@implementation CheckoutViewController
...
- (IBAction)checkoutButtonAction:(id)sender {
    // Set a delegate property for the OPPCheckoutProvider instance
    self.checkoutProvider.delegate = self;
    ...
}

// Implement a callback, it will be called right before submitting a transaction to the Server
- (void)checkoutProvider:(OPPCheckoutProvider *)checkoutProvider continueSubmitting:(OPPTransaction *)transaction completion:(void (^)(NSString * _Nullable checkoutID, BOOL abort))completion {
    // To continue submitting you should call completion block which expects 2 parameters:
    // checkoutID - you can create new checkoutID here or pass current one
    // abort - you can abort transaction here by passing 'true'
    completion(transaction.paymentParams.checkoutID, false);
}

@end

// Adopt a OPPCheckoutProviderDelegate protocol
class CheckoutViewController: UIViewController, OPPCheckoutProviderDelegate {
    ...
    @IBAction func checkoutButtonAction(_ sender: UIButton) {
        // Set a delegate property for the OPPCheckoutProvider instance
        self.checkoutProvider.delegate = self
        ...
    }

    // Implement a callback, it will be called right before submitting a transaction to the Server
    func checkoutProvider(_ checkoutProvider: OPPCheckoutProvider, continueSubmitting transaction: OPPTransaction, completion: @escaping (String?, Bool) -> Void) {
        // To continue submitting you should call completion block which expects 2 parameters:
        // checkoutID - you can create new checkoutID here or pass current one
        // abort - you can abort transaction here by passing 'true'
        completion(transaction.paymentParams.checkoutID, false)
    }
}

Summary page

It is possible to use Mobile SDK to temporarily store the payment information after submission, rather than executing it straight away. This can be useful if you want to display an order summary page before committing the payment. For this purpose, you should implement your broadcast receiver to listen the intents from CheckoutActivity and use CheckoutActivity.ACTION_ON_BEFORE_SUBMIT callback to display the summary page.

public class CheckoutBroadcastReceiver extends BroadcastReceiver {

    @Override
    public void onReceive(Context context, Intent intent) {
        String action = intent.getAction();

        if (CheckoutActivity.ACTION_ON_BEFORE_SUBMIT.equals(action)) {
            String checkoutId = intent.getStringExtra(CheckoutActivity.EXTRA_CHECKOUT_ID);
            ComponentName senderComponent = intent.getParcelableExtra(
                    CheckoutActivity.EXTRA_SENDER_COMPONENT_NAME);
            
            /* Display the summary page. */
            Intent summaryPageIntent = new Intent(context, SummaryPageActivity.class);
            summaryPageIntent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK);
            summaryPageIntent.putExtra(OrderReviewActivity.EXTRA_CHECKOUT_ID, checkoutId);
            summaryPageIntent.putExtra(OrderReviewActivity.EXTRA_SENDER, senderComponent);
            context.startActivity(summaryPageIntent);
        }
    }
}

class CheckoutBroadcastReceiver : BroadcastReceiver() { 
 
    override fun onReceive(context: Context, intent: Intent?) { 
        val action = intent?.action 
        if (CheckoutActivity.ACTION_ON_BEFORE_SUBMIT == action) { 
            val checkoutId = intent.getStringExtra(CheckoutActivity.EXTRA_CHECKOUT_ID) 
            val senderComponent = intent.getParcelableExtra<ComponentName>( 
                    CheckoutActivity.EXTRA_SENDER_COMPONENT_NAME) 
 
            /* Display the summary page. */ 
            val summaryPageIntent = Intent(context, SummaryPageActivity::class.java) 
            summaryPageIntent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK) 
            summaryPageIntent.putExtra(OrderReviewActivity.EXTRA_CHECKOUT_ID, checkoutId) 
            summaryPageIntent.putExtra(OrderReviewActivity.EXTRA_SENDER, senderComponent) 
            context.startActivity(summaryPageIntent) 
        } 
    } 
}

The summary page should consist of at least two actions:

1. Confirm payment. You should just return control back to the CheckoutActivity to submit the payment.

Intent intent = new Intent(CheckoutActivity.ACTION_ON_BEFORE_SUBMIT);
intent.setComponent(senderComponent);
intent.setPackage(senderComponent.getPackageName());
intent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK);
intent.putExtra(CheckoutActivity.EXTRA_CHECKOUT_ID, checkoutId);
startActivity(intent);

val intent = Intent(CheckoutActivity.ACTION_ON_BEFORE_SUBMIT) 
intent.component = senderComponent
intent.setPackage(senderComponent.packageName)
intent.addFlags(Intent.FLAG_ACTIVITY_NEW_TASK)
intent.putExtra(CheckoutActivity.EXTRA_CHECKOUT_ID, checkoutId)
startActivity(intent)

2. Cancel payment. In this case the CheckoutActivity should be started with CheckoutActivity.EXTRA_TRANSACTION_ABORTED flag. Then checkout will be closed with ErrorCode.ERROR_CODE_TRANSACTION_ABORTED code.

intent.putExtra(CheckoutActivity.EXTRA_TRANSACTION_ABORTED, true);
startActivity(intent);

intent.putExtra(CheckoutActivity.EXTRA_TRANSACTION_ABORTED, true)
startActivity(intent)

Receiving callbacks during checkout process using OnBeforeSubmitCallback

Since the update there is another way to handle before submit event using OnBeforeSubmitCallback.

Create new class which will implement OnBeforeSubmitCallback interface.

public class CheckoutOnBeforeSubmitListener extends OnBeforeSubmitCallback {
    @Override
    public void onBeforeSubmitUpdate(@NonNull PaymentDetails paymentDetails,
                                                             @NonNul Listener callback) {
        String currentCheckoutId = paymentDetails.getCheckoutId();
        String paymentBrand = paymentDetails.getPaymentBrand();
        /* You can use this callback to request a new checkout ID if selected payment brand requires 
               some specific parameters or just send back the same checkout id to continue checkout process */
        paymentDetails.setCheckoutId(newCheckoutId);
        
        /* You also can abort the transaction using this method */
        paymentDetails.setAborted(true);

        /* Once you are ready to continue the payment flow pass updated paymentDetails to the callback*/
        callback.onComplete(paymentDetails);
    }
}

class CheckoutOnBeforeSubmitListener() : OnBeforeSubmitCallback {
    override fun onBeforeSubmitUpdate(paymentDetails: PaymentDetails, callback: OnBeforeSubmitCallback.Listener) {
        val currentCheckoutId = paymentDetails.checkoutId
        val paymentBrand = paymentDetails.paymentBrand

        /* You can use this callback to request a new checkout ID if selected payment brand requires 
               some specific parameters or just send back the same checkout id to continue checkout process */
        paymentDetails.checkoutId = newCheckoutId

        /* Once you are ready to continue the payment flow pass updated paymentDetails to the callback*/
        callback.onComplete(paymentDetails)
    }
}

You can cancel a payment. In this case set false during paymentDetails.setCanceled() call. Then checkout will be closed with ErrorCode.ERROR_CODE_TRANSACTION_ABORTED code.

paymentDetails.setCanceled(true);
callback.onComplete(paymentDetails);

paymentDetails.isCanceled = true
 callback.onComplete(paymentDetails)

It is possible to use Mobile SDK to temporarily store the payment information after submission, rather than executing it straight away. This can be useful if you want to display an order summary page before committing the payment. For this purpose, you can implement your ViewController to display the payment summary. OPPCheckoutProviderDelegate protocol provides you a method to receive such an event with ability to affect the checkout process.

// Adopt a OPPCheckoutProviderDelegate protocol
@interface CheckoutViewController () <OPPCheckoutProviderDelegate>
@end

@implementation CheckoutViewController
...
- (IBAction)checkoutButtonAction:(id)sender {
    // Set a delegate property for the OPPCheckoutProvider instance
    self.checkoutProvider.delegate = self;
    ...
}

// Implement a callback, it will be called right before submitting a transaction to the Server
- (void)checkoutProvider:(OPPCheckoutProvider *)checkoutProvider continueSubmitting:(OPPTransaction *)transaction completion:(void (^)(NSString * _Nullable checkoutID, BOOL abort))completion {
    // You could display new ViewController with the option to Continue or Abort in this callback.
    // And than call completion block with params
    // To continue submitting you should call completion block which expects 2 parameters:
    // checkoutID - you can create new checkoutID here or pass current one
    // abort - you can abort transaction here by passing 'true'
    completion(transaction.paymentParams.checkoutID, false);
}

@end

// Adopt a OPPCheckoutProviderDelegate protocol
class CheckoutViewController: UIViewController, OPPCheckoutProviderDelegate {
    ...
    @IBAction func checkoutButtonAction(_ sender: UIButton) {
        // Set a delegate property for the OPPCheckoutProvider instance
        self.checkoutProvider.delegate = self
        ...
    }

    // Implement a callback, it will be called right before submitting a transaction to the Server
    func checkoutProvider(_ checkoutProvider: OPPCheckoutProvider, continueSubmitting transaction: OPPTransaction, completion: @escaping (String?, Bool) -> Void) {
    	// You could display new ViewController with the option to Continue or Abort in this callback.
    	// And than call completion block with params
        // To continue submitting you should call completion block which expects 2 parameters:
        // checkoutID - you can create new checkoutID here or pass current one
        // abort - you can abort transaction here by passing 'true'
        completion(transaction.paymentParams.checkoutID, false)
    }
}

The summary page should consist of at least two actions and return control back to the OPPCheckoutProvider.

1. Confirm payment.

2. Cancel payment.

COPYandPAY in mobile SDK

Important: In some rare cases, a payment method cannot be integrated natively in the mobile SDK, but we still want to offer that payment method. For this case, the alternative solution is COPYandPAY integration inside mobile SDK. Please consider this option as an alternative only and not a default integration. As it stands, COPYandPAY integration inside Mobile SDK can be used for brand "ONEY".

To configure brand-specific options, you need to create an object of type OPPWpwlOptions. Please refer to COPYandPAY API for more details.

Initialize OPPWpwlOptions with two dictionaries: one for JSON-like options, the other one for Javascript functions. The following snippet gives an example which sets the locale and the onReady callback.

NSDictionary *config = @{@"locale": @"fr-BE"};
NSDictionary *jsConfig = @{@"onReady": @"function() {/* function here */}"};
OPPWpwlOptions *wpwlOptions = [OPPWpwlOptions initWithConfiguration:config jsFunctions:jsConfig];

var config = [ "locale" : "fr-BE" ]
var jsConfig = [ "onReady" : "function() {/* function here */}" ] as [String : Any]
let wpwlOptions = OPPWpwlOptions.initWithConfiguration( config , jsFunctions: jsConfig)

Create a dictionary to map the brand to the OPPWpwlOptions object, and set it the OPPCheckoutSettings.wpwlOptions property

OPPCheckoutSettings *checkoutSettings = [[OPPCheckoutSettings alloc] init];
checkoutSettings.wpwlOptions = @{@"ONEY": wpwlOptions};

let checkoutSettings = OPPCheckoutSettings()
checkoutSettings.wpwlOptions["ONEY"] = wpwlOptions;

To configure brand-specific options, you need to create an object of type WpwlOptions. Please refer to COPYandPAY API for more details.

With WpwlOptions, use addValue to add an option, and use addJSFunction to add a Javascript function. The following snippet gives an example which sets the locale and the onReady callback.

WpwlOptions wpwlOption = new WpwlOptions().addValue("locale", "fr-BE");
wpwlOptions.addJSFunction("onReady","function() {/* function here */}");

val wpwlOption = WpwlOptions().addValue("inlineFlow", "fr-BE")
wpwlOptions.addJSFunction("onReady","function() {/* function here */}")

Use Map to add payment brand and WpwlOptions. Add the map to CheckoutSettings.

Map<String, WpwlOptions> wpwlOptionsMap = new HashMap<>();
wpwlOptionsMap.put("ONEY", wpwlOptions);

checkoutSettings.setWpwlOptions(wpwlOptionsMap);

val wpwlOptionsMap = mutableMapOf<String, WpwlOptions>()
wpwlOptionsMap["ONEY"] = wpwlOptions

checkoutSettings.setWpwlOptions(wpwlOptionsMap);