The life cycle of an immediate payment transaction

Following a payment request, the verification process starts automatically:

  • The 3D Secure authentication.
  • Different verification processes performed by the payment gateway (these potentially include local checks, risk rules configured by the merchant) or by an external risk analyzer.
  • An authorization request is also made by the buyer’s bank.

If one of the verification processes fails, the payment request will not be accepted. The buyer is informed of the rejection on the screen. In the Merchant Back Office, the transaction appears with the Refused status.

Otherwise, the payment is accepted and the transaction appears in the Merchant Back Office with the To be validated status.

In this case, the merchant must validate the transaction before the expiry date of the authorization request. If the validation is made after this date, the transaction appears as Expired and cannot be captured in the bank.

As soon as the transaction is validated, its status changes to Waiting for capture.

The transaction will be automatically submitted for capture on the day requested by the merchant and will take the Captured status. The Captured status is final.

Once the capture is made, the arrival of the transaction to the merchant account depends on the interbank processing time.

The merchant can also cancel the transaction, if necessary. In this case, the transaction takes the Canceled status.