The life cycle of an immediate payment transaction
Following a payment request, the verification process starts automatically:
- 3D Secure authentication.
- Various local control processes performed directly by the payment gateway (they potentially include verifications linked to the optional risk management service subscription).
- 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 Expert Back Office, the transaction appears with the Refused status.
In the opposite case, the payment is accepted and the transaction appears in the Expert 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 a transaction is validated, its status changes to Waiting for capture.
The transaction can also be canceled, if necessary. In this case, the transaction takes the Canceled status.