A payment is considered a deferred payment if:
- the amount is debited once,
- the capture delay is strictly more than 0 days,
the capture date cannot be programmed later than 12 months after the date of payment recording date.
There are two types of deferred payments:
- Capture delay before the authorization expiration date (see the Authorization validity period section below).
An authorization request for the total amount is sent. If the merchant has not made any modifications, the payment is captured by the bank on the requested capture day.
- Capture delay after the authorization expiration date (see the Authorization validity period section below).
An information request will be made if the capture delay is greater than the validity period of an authorization request.
The information request is made in order to check the card validity. For acquirers who do not support information request, an authorization request for 1 EUR will be made.
If this authorization for 1 EUR is accepted, the payment is registered.
An authorization request for the total amount is made one day before the requested capture.
The payment might be accepted or declined. Therefore, the merchant must be extremely attentive with this payment type and make sure to deliver the items/services to the buyer.