The life cycle of an immediate payment transaction

Once the payment request has been made, several verification processes start 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 on the day of payment, independently of the requested capture date at the 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 transaction takes the Waiting for capture status.

    The buyer is informed about the acceptance of the payment request and receives a confirmation e-mail. The transaction will be automatically sent for capture on the day requested by the buyer.

    Before the capture date, the buyer can modify it together with the amount (only smaller amounts can be entered in case of partial delivery by the merchant).

    If necessary, the buyer can also cancel the transaction: the transaction will then appear with the Canceled status.