> ## Documentation Index
> Fetch the complete documentation index at: https://docs.talview.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Talview + Cleverbridge Integration

## **Overview**

Talview integrates with **Cleverbridge**, a Merchant of Record (MoR) platform, to simplify global exam payment collection and ensure tax compliance for exams, assessments, and certification bookings.

With this integration:

* Candidates can complete payments securely using Cleverbridge’s hosted checkout.
* Talview automatically tracks and updates candidate booking and payment status.
* Global tax handling (VAT, GST, Sales Tax) is managed by Cleverbridge in compliance with local laws.

***

## **1.  How the Integration Works**

### **a. Booking & Payment Flow**

1. **Candidate Books an Exam**

   → Candidate selects a slot on Talview.

> *The sequence is configurable within Talview. Customers can choose whether candidates book their e slot before payment or after completing payment, based on their preferred workflow.*

1. **Redirect to Cleverbridge Checkout**

   → Candidate is redirected to Cleverbridge’s hosted checkout page.

   → Pricing, taxes, and localization (currency, language) are automatically handled.
2. **Payment Processing**

   → Cleverbridge processes the payment using the candidate’s selected payment method.

   → Taxes are calculated and applied automatically.
3. **Transaction Completion**
   * **If Payment Successful** → Talview marks the payment status as *Confirmed* and automatically sends an invoice to the candidate.
   * **If Payment Failed** → Cleverbridge redirects the candidate back to Talview. The candidate’s slot remains reserved for a limited period, during which they can retry the payment.
   * **If Payment Pending** → Payments may remain in a *Pending* state for up to 24 hours. Transactions that require additional authorization or review are held until Cleverbridge completes verification and shares the final status with Talview.
4. **Status Sync to Talview**

   → Cleverbridge sends real-time webhooks to Talview’s backend for:

   * Payment success
   * Payment failure
   * Partial refund/complete refund or chargeback events

### **b. Taxes & Compliance**

* Cleverbridge determines the buyer’s tax location automatically via billing address and IP.
* The correct **VAT/GST/Sales Tax** is applied per jurisdiction.
* Talview receives payment confirmation data but not tax filing data (handled by Cleverbridge as MoR).

***

## **2. Supported Countries & Payment Methods**

### **a. Supported Countries**

Cleverbridge supports transactions in most countries globally, excluding regions restricted under international sanctions or export control laws.

### **b. Supported Payment Methods**

Cleverbridge supports multiple payment options globally, with localized availability:

* **Credit/Debit Cards** – Visa, Mastercard, American Express, Discover, JCB, Diners Club
* **PayPal** – Available globally

***

## **3. Refunds and Disputes**

* Refunds are initiated through Cleverbridge’s dashboard or API.
* Talview can trigger a full or partial refund event via API if a candidate cancels an exam within allowed policy timelines.
* Cleverbridge processes the refund to the original payment method and updates Talview via webhook.
* Chargebacks or disputes raised by customers are handled directly by Cleverbridge.

***

## **4. Data Flow and Integration Points**

| **Event**             | **Source System** | **Destination System** | **Data Passed**                                          | **Purpose**               |
| :-------------------- | :---------------- | :--------------------- | :------------------------------------------------------- | :------------------------ |
| Exam Booking          | Talview           | Cleverbridge           | Talview Transaction ID, Product/Exam ID, Price, Currency | Initiate checkout         |
| Payment Completion    | Cleverbridge      | Talview                | Transaction ID, Status, Amount, Tax details              | Confirm booking           |
| Refund Initiation     | Talview           | Cleverbridge           | Transaction ID, refund amount                            | Trigger refund            |
| Refund/Dispute Update | Cleverbridge      | Talview                | Status, Amount, Reason                                   | Update transaction record |

<Check>
  ## **In Talview Roadmap**

  * **Digital Wallets** - Apple Pay, Google Pay, etc.
  * Enhanced reporting in Talview Dashboard for **Revenue & Tax breakdown**
</Check>