In the SEMOPS approach customers are in control of the whole payment process.
Transaction flow -animation
Having selected the required goods customers receive certain transaction related data from the merchant, like an electronic invoice. Having received the necessary transaction details, the customer prepares and signs a payment request and forwards it to its own payment processor. If the necessary funds are available the merchant receives a payment confirmation, a kind of guarantee from its own payment processor.
The customer is also notified about the fulfillment of its payment request.
