Introducing
PPRO’s six authentication flows
All you need to build once and scale continuously
Adding local payment methods shouldn’t mean endless, complex integrations.
So, we’ve grouped the world’s leading local payment methods into six standardised authentication flows.
Integrate a flow once and every payment method using it is unlocked, freeing up your developers and accelerating time to revenue.
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Desktop experience
This browser-based flow sends consumers to a secure page to authenticate their payment before returning them to your site.
- Drive conversions with a simple, familiar user journey.
- Accept payments across desktop and mobile devices.
- Quickly activate the many payment methods using this flow.
App intent
A native app-to-app experience that connects to the consumer’s banking or payment app directly from the merchant’s mobile app.
- Provide a smooth payment experience that doesn’t require someone to switch between devices or browser tabs.
- Give mobile users a quick, simple way to authenticate.
- A smart choice for merchants with dedicated mobile applications.
3DS
Specifically designed for card payments, this flow allows merchants to share a cryptogram from an external 3DS authentication server with PPRO.
- Enable a secure, PCI–compliant authentication method for card payments.
- Offer cardholders a fast and secure checkout.
- Designed to meet industry regulations like PSD2.
Scan code: in-store
Consumers use their mobile device to scan a QR code or barcode at the point of sale.
- Keep lines moving with no need for customers to swipe cards or count out cash.
- Earn customers’ trust by enabling them to authorise payment on their own device.
- No need for high-tech terminals – a printed code, a screen display, or an app integration is often enough.
Scan code: desktop
Consumers use their mobile device to scan a QR code or barcode on their laptop.
- Grow customer loyalty with a fast and modern way to pay.
- Strengthen security by using payment methods that are often authenticated via PIN or biometrics.
- Unlock multiple payment methods that require customers to scan a code.
App notification
Also known as a “push notification”, this flow prompts the customer to authenticate the payment within their banking or payment app via a mobile alert.
- Gain customers’ trust by enabling them to authenticate on their own device.
- Provide a seamless cross-device payment experience.
- Reduce friction with an automated process that minimises the need for customers to manually enter their information.
Multi factor
This method sends the consumer a one-time password (OTP) via email or SMS, which they enter to verify the transaction.
- Enhance security with an extra authentication step linked to the customer’s email or phone number.
- Drive conversions with a familiar and convenient process that takes only seconds to complete.
- Trusted by thousands of merchants for its simplicity and reliability.
The power of payment standardisation
Through these six core flows, we empower you to easily offer the right payment method for every transaction, tailored to your customer’s location, device, and personal preferences.
For your business, this modular approach removes the complexity of payment-specific coding. Integrate a single flow and instantly unlock multiple payment methods without the need to re-code each time.
For your customers, standardisation creates a checkout experience that feels familiar, intuitive, and friction-free. This creates a ripple effect: satisfaction climbs, and one-time buyers become lifelong customers.
Let’s grow your business
PPRO is your partner in navigating the complexities of local payments and expanding into new markets.
Tell us about your business and we’ll be in touch.
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