I dont understand how Westpac Payway API and NET works

Posted by spirytus on Stack Overflow See other posts from Stack Overflow or by spirytus
Published on 2010-05-07T00:01:28Z Indexed on 2010/05/07 0:08 UTC
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api

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payment

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credit

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card

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bank

Been googling all day, reading numerous pdf's and still getting confused with the concepts of sending data to Payway system from Westpac (bank in Australia, link text). They offer access via API but also give access via what they call NET.

The way I understand is that when client want to pay on my website, in case of NET, client gets to the page (hosted by a bank or hosted by me) where is provided with form to enter credit card info details. Then this form is submitted via normal POST call to Payway's specific https address. It is processed then and browser returns to url I specified as one of the parameters I sent in hidden field.

In case of API story is similar, so user receives form, fills in the data and then data is send to my backend (not Payway's). My backend then calls payway API with data provided and once answer received returns confirmation page to the client.

Is my understanding right? Please explain as I have a feeling I am missing something basic here.

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