Citi PayLite

Cards

Citi PayLite

Enhance customers' shopping experiences with Citi PayLite by providing them with new ways to pay for merchandise and services. Customers can choose to pay using Citi reward points or miles, pay in installments or a combination of both.

Hong Kong

Customers can shop at ease with flexible payment options

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.


 

Secure identification

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. 

 

Refer to the API callout for information about generating a card access token.

API(s) Callout

View Api Callout 1 >

Customers can validate the one-time password sent to their registered mobile number

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.

 

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

API(s) Callout

View Api Callout 1 >

Registration completed

Customers are informed when their registration has been completed. 

 

Once they click on 'Shop now', 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 and API Callout 2 for information about determining Easy Payment Plan eligibility.

 

 

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Refresh Token

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. 

API(s) Callout

View Api Callout 1 >

Customers select the product to purchase

Customers select the product they want and then click on 'Check out' to proceed with their purchase.

Customers decide how to use redemption points and select an Easy Payment Plan

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.


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

API(s) Callout

View Api Callout 1 >

Point redemption and easy payment plan booking - scenario 1

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, point redemption occurs in the background by calling the API Callout 1. Plan booking is done in parallel by redirecting the customers to the Association Gateway. 

 

After approval, partner calls Citi to submit the request for the Installment Plan Booking by calling API Callout 2.

 

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Point redemption and easy payment plan booking - scenario 2

In this scenario, customers enter their credit card details on the partner's app or website to initiate the authorization.

 

After the customers select the redemption points and payment plan, point redemption occurs in the background by calling the API Callout 1. Plan booking is done in parallel by redirecting the customers to the Association Gateway. 

 

After approval, partner calls Citi to submit the request for the Installment Plan Booking by calling API Callout 2.

API(s) Callout

View Api Callout 1 > View Api Callout 2 >

Transaction is processed

Customers wait until their transaction is processed.

Order confirmation

After a successful order placement, customers receive a confirmation message that shows the payment amount redeemed through points and paid through an Easy Payment Plan, along with the order number, date and time. They also receive a notification from their bank shortly after.