The life cycle of deferred payment transaction

Capture delay shorter than the authorization validity period

(see diagram "The life cycle of an immediate payment transaction").

Capture delay longer than the authorization validity period

All the transactions for deferred payments made in automatic validation mode with a successfully completed authorization request for 1 EUR (or information request about the CB network if the acquirer supports it) can be viewed in the Expert Back Office with the Waiting for authorization status.

The authorization request is automatically sent:

  • default option: on the desired capture date,
  • option with anticipated authorization: depending on the selected payment method, on the specified day (see table that illustrates the authorization validity) before the expected capture date in the bank.

    Contact the Middle Office if you wish to enable the anticipated authorization feature.

    In case the authorization is declined for reasons unrelated to fraud (see table), it will be rerun daily until two days before the capture. In the meantime, the buyer may cancel the transaction or change its amount (only smaller amounts can be entered) and/or the capture date.

A deferred payment goes through the steps in the diagram below: