# Product / Retail

Retail platforms and marketplaces can seamlessly present relevant warranty and insurance policies in the purchase path.\
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Commonly, partners will integrate XCover using two key purchase process API calls: [create offer](/offers/guides/purchase-workflow-overview/create-offer.md) and [confirm offer](/offers/guides/purchase-workflow-overview/confirm-offer.md). Depending where the offer of insurance is provided (at product page, cart page, or between as a product is added to cart), a single product offer or bundled offer can be used.\
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:bulb: See a collection of common requests for this integration type, by contacting your CSE.\
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Most integrations follow the below high-level flow of events:

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1\. User browses product options and;\
2\. Selects a product to cart (or arrives at a product page etc.)\
3\. Partner platform sends an [offer payload](/offers/guides/purchase-workflow-overview/create-offer.md) to the create offer endpoint\
4\. User selects offer products\
5\. User pays for product/s and offer at checkout\
6\. [Payment collection](/offers/guides/payment-process.md)\
7\. Partner sends a [confirmation request](/offers/guides/purchase-workflow-overview/confirm-offer.md) to the confirm offer endpoint\
8\. XCover sends confirmation email including policy details, Partner sends purchase confirmation and tax invoice.

**In-Store CG Portal Process**

For in-store purchases, sales associates can utilize the Cover Genius Portal on an iPad or similar device. The online form requires a few details about the product and some customer and payment information to protect a customer's purchase(s).

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#### Post sale processes

[Cancellation](/offers/guides/purchase-workflow-overview/cancel-booking.md)\
Should a partner need to facilitate policy cancellation (for example, a product return, or order cancellation), the below workflow should be referenced.

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#### Opt-out process

In circumstances where a customer chooses to purchase products, but not the insurance offer. An opt-out request is used to notify XCover of a non-opted insurance offer. This assists with pricing and product offer data analysis and ultimately improved offers and sales results.


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