Transaction workflows

Transaction workflows

Please note that not all transaction types are supported for each payment method/acquirer. Make sure that the transactions and workflows you are planning to use are supported by the payment method and acquirer of your choice.

This guide serves only as a reference for all supported transactions and workflows. For details on each transaction type and/or operation, please refer to the respective detailed tutorials.

We can divide the transactions into three groups:

Initial transactions

These transactions can be the first in the workflow. They can be sent without referencing a previous transaction, but they all can be followed up by another transaction.

RG

Registration

PA

Authorization

DB

Debit

CD

Credit

Registration/Tokenization (RG)

With tokenization the card data will be stored and can be re-used in later transactions.

How to use it:

Depending on your integration, there are multiple ways to create tokens. Follow the tokenization guide for more information.

Transactions that can follow a tokenization (RG) transaction:

Authorization (PA)

Authorize a transaction using the stored card details.

Debit (DB)

Debit the shopper using the stored card details.

Credit (CD)

Send funds to the shopper's stored card.

Schedule (SD)

Schedules a future payment using the stored card details.

Authorization (PA)

Authorize a transaction and reserve the amount on the cardholder's account. Additionally risk checks and 3D Secure can be performed during the authorization.

How to use it:

Include the parameter paymentType=PA in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow an authorization:

Authorization (PA)

Extends the validity of an already existing authorization, or increase the authorized amount.

Capture (CP)

Clears an authorized transaction by transferring the funds from the Shopper’s account to the Merchant’s account. Can be full or partial.

Reversal (RV)

Voids the authorized amount. Can be full or partial.

Receipt (RC)

Confirms the received funds after a pre-payment, invoice or bank transfer transaction.

Debit (DB)

Debits the account of the end consumer and credits the merchant account. By sending a debit transaction, the funds are not only reserved, but immediately captured.

How to use it:

Include the parameter paymentType=DB in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a debit:

Refund (RF)

Credits the account of the shopper with a reference to a prior debit. Can be full or partial.

Chargeback (CB)

Initiates a chargeback request referencing a prior debit.

Rebill (RB)

Debits the account of the shopper with a reference to a prior debit.

Credit (CD)

Credits the account of the end consumer and debits the merchant account. Credit request transfers funds from Merchant's account to Shopper's account without referencing any previous purchase or transaction.

How to use it:

Include the parameter paymentType=CD in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a credit:

Refund (RF)

Refunds an existing credit transaction. Can be full or partial.

Referencing transactions

These transactions cannot be the first one in the workflow. They will always reference a previous transaction either from the previous group, or another referencing transaction.

CP

Capture

RF

Refund

CB

Chargeback

CR

CB-reversal

RC

Receipt

RB

Rebill

SD

Schedule

Capture (CP)

Captures a previously authorized (PA) amount. A successfully captured authorization will be sent to clearing and will move the funds from the shopper's account to the merchant's account. Can be full or partial.

How to use it:

Include the parameter paymentType=CP and the reference to the PA transaction in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a capture:

Refund (RF)

Credits the account of the shopper with a reference to a prior capture. Can be full or partial.

Chargeback (CB)

Initiates a chargeback request referencing a prior debit.

Rebill (RB)

Debits the account of the shopper with a reference to a prior capture

Refund (RF)

Credits the account of the shopper with a reference to a prior debit (DB) or capture (CP) transaction. The shopper will see two transactions on their account statement: one for the purchase (DB or CP) and one for the refund. Can be full or partial.

How to use it:

Include the parameter paymentType=RF and the reference to the previous transaction in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a refund:

Chargeback (CB)

Initiates a chargeback request referencing a prior refund.

Chargeback (CB)

A negative booking on the merchant account which is generally triggered by the bank. It is a transaction forcibly initiated by issuer (on behalf of shopper) to return the funds to shopper’s bank account or credit card due to fraud, undelivered goods, etc.

How to use it:

Include the parameter paymentType=CB and the reference to a previous transaction in the request. For more information on how to send a chargeback request, please follow our tutorials.

Transactions that can follow a chargeback:

Chargeback Reversal(CR)

Voids an already initiated chargeback request.

Chargeback Reversal (CR)

Reverses an already processed Chargeback (CB).

How to use it:

Include the parameter paymentType=CR and the reference to a previous chargeback in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a chargeback reversal:

Chargeback (CB)

Re-initiates the chargeback request against a voided chargeback. Useful during the dispute process.

Receipt (RC)

A receipt can be sent against a previous pre-authorization (PA) payment. Confirmation of the received funds after a pre-payment, invoice or bank transfer transaction.

How to use it:

Include the parameter paymentType=RC and the reference to the authorization in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a receipt:

Refund (RF)

Credits the account of the shopper with a reference to a prior receipt. Can be full or partial.

Rebill (RB)

Debits the account of the shopper with a reference to a prior Debit (DB) transaction. This is normally used to rebill an already processed Debit (DB) transaction in case of a chargeback or to add additional products to an already processed order.

How to use it:

Include the parameter paymentType=RB and the reference to a previous debit transaction in the request. For more information on how to send a request, please follow our tutorials.

Transactions that can follow a rebill:

Refund (RF)

Credits the account of the shopper with a reference to a prior rebill. Can be full or partial.

Chargeback (CB)

Initiates a chargeback request referencing a prior debit.

Schedule (SD)

With Scheduling API, you can schedule DB, PA or CD transaction in the future with already stored payment data.

How to use it:

Please follow our scheduling guide.

Transactions that can follow a scheduled transaction:

De-schedule (DS)

Cancels the scheduled payment

Final transactions

These transactions will always terminate the workflow as no other transaction can follow them in a series of transactions.

RV

Reversal

DR

De-Register

TE

Token extension

DS

De-Schedule

RE

Fraud check

3D

3D Secure

EX

Exemption

Reversal (RV)

Voids payment authorization (PA). Since the amount is not cleared yet, there is no movement of funds and the shopper will simply won't see any booking on their account statement. For captured transactions (CP) or transactions where there is movement of funds (DB, CD) a reversal is not possible, instead a refund (RF) needs to be sent. Can be full or partial.

How to use it:

Include the parameter paymentType=RV and the reference to the authorization in the request. For more information on how to send a request, please follow our tutorials.

De-registration (DR)

Deletes a stored token.

How to use it:

Follow the tokenization guide

Token extension (TE)

Each registered token has a retention period after which the token will be deleted. You can extend the retention period by up to 24 months for registration tokens.

How to use it:

Please follow our tokenization guide.

De-schedule (DS)

Cancels the schedule of future transactions.

How to use it:

Please follow our scheduling guide.

Standalone Risk (RE)

Sends a standalone fraud check request independently of any payment. When sending a standalone risk transaction, it will always be the first and the last transaction in the flow.

How to use it:

Please follow our fraud management guide.

Standalone 3D Secure (3D)

Sends a standalone 3D Secure request independently of any payment. When sending a standalone 3D Secure transaction, it will always be the first and the last transaction in the flow.

How to use it:

Please follow our 3DS guide.

Standalone exemption check (EX)

Evaluates if the transaction is eligible for any exemptions during 3D Secure processing. When sending a standalone exemption request transaction, it will always be the first and the last transaction in the flow.

How to use it:

Please follow our exemption guide.