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Automatic validation

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 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.

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 Cancelled status.

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