Summary of SDK Workflow

Summery Table

S.No.	Stage	Handled By	Description
1	Initiate Payment Request	Merchant Backend	Send encrypted payment data to CellPay.
2	User Login Prompt	CellPay UI	Redirect user to login securely.
3	User Authentication	CellPay Backend	Validate credentials and initiate session.
4	Payment Method Selection	CellPay UI	User selects wallet or linked bank.
5	Payment Method Validation	CellPay Backend	Validate chosen account and balance.
6	Payment Confirmation	User + Backend	Confirm details and re-enter password.
7	OTP Verification	CellPay Backend	Required for transactions above NPR 5000.
8	Final Validation & Redirect	CellPay Backend	Complete transaction and redirect user.
9	Access Token Retrieval	Merchant Backend	Obtain token for post-payment queries.
10	Status Inquiry	Merchant Backend	Verify final transaction result.