Process Payments

You can use The Payments REST API to process online and mobile payments from your customers in a simple and secure manner. Use the Orders REST API to create a transaction and then process a payment.

With the Payments v2 API, you can:

• Capture payment instantly
• Authorize and capture payment later
• Void a payment authorization
• Reauthorize a payment authorization
• Process refunds
• Search for authorization, payment & refund details

Instant Capture

The Payments v2 API offers you the flexibility to instantly capture a payment or get authorization from your customer and capture payment later. You can use Instant capture in situations such as in-store purchase where the goods or services are immediately made available to the customer.

Authorize & Capture

Alternatively, with Payments v2, you can get authorization from your customer and capture the payment later. Some example use cases include:

• Orders that require some processing, like shipping an order, before the customer receives the goods or services purchased.
• Transactions that require a hold charge before the merchant can procure and ship the product. You can fully capture the authorized amount or do multiple partial captures.
• Situations where you need to charge a customer an additional amount, such as charging for room damages after a customer checks out of a room. Check with your account manager if this setting is allowed in your country. See PSD2 overcapture requirements for more details.

Void Authorization

In the authorize and capture flow, if the transaction is no longer valid, Payments v2 can void the authorization provided by the customer. Voiding authorization ends the flow to avoid accidental capture. You can:

• Void authorization before making any captures at all. This will render the entire payment voided, preventing you from making any captures.
• Void authorization after a partial capture. This will void the possibility of any future captures for this authorization.

Reauthorize Authorization

You may need to reauthorize payment if it has been more than the 3 days honor period since the order was authorized by the customer and less than 29 days from when the authorization was created.

Refund Payments

Payments v2 can refund a captured payment to the customer. You can:

• Perform a full refund of captured payment.
• Perform multiple partial refunds up to the total captured payment.
• Include a note to the customer for reference.