The interaction flow between the merchant and Yandex.Checkout when the order is paid using credit (paymentType=KV) differs from the basic scenario.
Steps 1 and 2 are the same as in the main scenario.
3-4. After getting the payment form parameters and determining the payment method, the user is additionally asked to enter the telephone and email address.
5-6. Yandex.Checkout executes the Order verification (checkOrder) request. At this step, the store puts a 7-day hold on the item that the user is planning to purchase with credit.
8-9. Yandex.Checkout sends the payment amount and optional product information to the bank that is providing the credit. To submit a credit application, the user goes to the bank's interface. The bank processes the application and informs the user and Yandex.Checkout of their decision.
10. If the credit application is approved, the user signs an agreement with the bank.
11-14. After it gets the money from the bank, Yandex.Checkout executes the Payment notification (paymentAviso) request. The merchant responds to the paymentAviso request, and then the user gets a payment result notification from Yandex.Checkout. The message is sent to the email address that the user entered during the payment process.