Integration Overview

milliPay: a prepaid eWallet

milliPay is conceptually designed as a prepaid eWallet, usable at the milliPay paywall. A sign-up flow lasting 45 sec eases user onboarding. Merchants are advised to offer start credit (instead of free access) with value of one or more items offered, as sign-up incentive, and as a simple means to make a user’s first / few transactions a pleasant experience. This way, a user can develop the payment habit in a simple way. Whether with start credit or with real-money topped up, once signed in users can pay with one click for subsequent purchases. Paid items can be re-accessed seamlessly for a defined validity period (if any).

milliPay is your one stop payment service and paywall provider. We handle for you customer sign-up, top-up and entitlement management, we safe keep user credits in a regulation compliant way. You define the price, and place the payment on your page.

Furthermore, we offer to host platform-linked wallets for partners, and to integrate to their legacy user management.

Sign-up, sign-in, top-up

Users have to enter credit card or bank details for topping up their milliPay eWallets. For PCI DSS compliance reasons, these sensitive data have to be input on the HTTPS-secured milliPay website. The same applies to data requested in sign-up and sign-in process.

Workflows are opened in a separate browser client window, which allows to keep the state of your page, where the payment process originated. These milliPay hosted pages finish by autoclosing the window where supported by the browser.

Payment process

The JavaScript API lets you define several entry points to the payment process. The convenient variant for most pages is to attach an onclick-handler to start the payment process on an HTML DOM element of your page via a helper function. Another useful entry point is to automatically re-access the product on page load, if and only if the customer still has access to the product. Finally, you can always start a payment process directly without any helper functions.

As a reaction to a successful payment (or in general: to a successful access authorization) you can register several actions to be taken, e.g. hide a payment button, unhide paid content, load paid content from you server, or call a function. The first options are sufficient to cover most needs, while the last option allows you full flexibility to define your own page behavior in reaction to content access authorization. The payment process can be styled and managed completely by you. You can process one or more payments on the same page. Starting the payment process on one page, and navigate to another page is possible as well.

Entitlement Management

milliPay also stores some metadata of a product with the transaction. This metadata includes the product identifier and a validity time in seconds. The validity time specifies how long a consumer can re-access the product without having to pay again.

This allows the consumer to buy an item on the mobile device, e.g. while commuting, and later access the same item on a tablet.

milliPay handles the complexity of this logic for you.