1. User selects cards as a payment option and enters the card details. 
  2. Once the user enters the first 9 digits of the card, AI Router's Fetch Bin Details API will be called. This API validates the BIN entered by the user. 
  3. Once the user clicks on Pay, Pay API will be called. In the case of a card transaction, this API will return a bank form in response, where the user will be asked to enter the OTP. 
  4. Once the user submits the OTP, AI Router will route the transaction to the selected Payment Gateway / Aggregator for processing.
  5. The PA / PG will process the transaction and return the status back to AI Router. 
  6. Merchant will call the Transaction Status API to verify the final payment status with AI Router.
  7. AI Router returns the transaction status back to the merchant's server and the final status is displayed to the user.