PAYONE | Authorisation and direct sale

The core of your integration solution is sending payment requests to our platform. When doing so, you can process them in two different authorisation modes: authorisation or direct sale mode.

Authorisation mode

The appropriate mode depends on your business model and/or personal preference:

Mode	Effect
Authorisation	The card scheme/payment provider only blocks the amount you want to charge for the order on your customer’s card/bank account. Successful transactions will have status="PENDING_CAPTURE" / statusOutput.statusCategory="PENDING_MERCHANT" / statusOutput.statusCode=5. To actually receive the payment, you need to eventually capture this authorisation within a certain period. The validity period of an authorisation depends on various factors: The card scheme/payment provider. The authorisation type (authorisation vs pre-authorisation). Your acquiring contract.
Direct sale	The card scheme/payment provider blocks and captures the amount you want to charge for the order on your customer’s card/bank account in one go. Thus, your customer’s bank is instructed to pay out the amount to you via your acquirer immediately. Successful transactions will have status="PENDING_CAPTURE" / statusOutput.statusCategory="PENDING_MERCHANT" / statusOutput.statusCode=9. Mind that processing transactions in direct sale mode does not mean you receive the funds instantaneously. The interval between a transaction reaching status 9 and receiving the funds depends on various factors: The timing of exchanging transactional data between your and your customer's bank (the settlement). Your acquiring contract.

Mode

Effect

Authorisation

The card scheme/payment provider only blocks the amount you want to charge for the order on your customer’s card/bank account. Successful transactions will have status="PENDING_CAPTURE" / statusOutput.statusCategory="PENDING_MERCHANT" / statusOutput.statusCode=5.

To actually receive the payment, you need to eventually capture this authorisation within a certain period.

The validity period of an authorisation depends on various factors:

The card scheme/payment provider.
The authorisation type (authorisation vs pre-authorisation).
Your acquiring contract.

Direct sale

The card scheme/payment provider blocks and captures the amount you want to charge for the order on your customer’s card/bank account in one go. Thus, your customer’s bank is instructed to pay out the amount to you via your acquirer immediately. Successful transactions will have status="PENDING_CAPTURE" / statusOutput.statusCategory="PENDING_MERCHANT" / statusOutput.statusCode=9.

Mind that processing transactions in direct sale mode does not mean you receive the funds instantaneously. The interval between a transaction reaching status 9 and receiving the funds depends on various factors:

The timing of exchanging transactional data between your and your customer's bank (the settlement).
Your acquiring contract.

Process requests

Our API implements specific properties for processing transactions in authorisation/direct sale mode. Add one of the properties to your CreatePayment (for Server-to-server integration method)/CreateHostedCheckout (for Hosted Checkout Page integration method) requests:

Property	Remarks/Possible values
cardPaymentMethodSpecificInput. authorizationMode mobilePaymentMethodSpecificInput. authorizationMode	cardPaymentMethodSpecificInput.authorizationMode: Applicable to card payments (i.e. Visa). mobilePaymentMethodSpecificInput.authorizationMode: Applicable to mobile payments (i.e. Google Pay). "FINAL_AUTHORIZATION": Only blocks the order.amountOfMoney.amount for 7 days. You can cancel the authorisation any time, but only fully. Supports only full captures. "PRE_AUTHORIZATION": Only blocks the order.amountOfMoney.amount up to 30 days. You can cancel the authorisation any time, both fully and partially. Supports both full and partial captures. "SALE": Blocks and captures the order.amountOfMoney.amount in one go.
redirectPaymentMethodSpecificInput. requiresApproval	If you send "FINAL_AUTHORIZATION"/ "PRE_AUTHORIZATION", make sure to eventually capture the amount to actually receive the payment. Applicable to non-card payments (i.e. Paypal). "true": Only blocks the order.amountOfMoney.amount. "false": Blocks and captures the order.amountOfMoney.amount in one go. If you send "true", make sure to eventually capture the amount to actually receive the payment.

Property

Remarks/Possible values

cardPaymentMethodSpecificInput.
authorizationMode

mobilePaymentMethodSpecificInput.
authorizationMode

cardPaymentMethodSpecificInput.authorizationMode: Applicable to card payments (i.e. Visa).

mobilePaymentMethodSpecificInput.authorizationMode: Applicable to mobile payments (i.e. Google Pay).

"FINAL_AUTHORIZATION": Only blocks the order.amountOfMoney.amount for 7 days. You can cancel the authorisation any time, but only fully. Supports only full captures.
"PRE_AUTHORIZATION": Only blocks the order.amountOfMoney.amount up to 30 days. You can cancel the authorisation any time, both fully and partially. Supports both full and partial captures.
"SALE": Blocks and captures the order.amountOfMoney.amount in one go.

redirectPaymentMethodSpecificInput.
requiresApproval

If you send "FINAL_AUTHORIZATION"/ "PRE_AUTHORIZATION", make sure to eventually capture the amount to actually receive the payment.

Applicable to non-card payments (i.e. Paypal).

"true": Only blocks the order.amountOfMoney.amount.
"false": Blocks and captures the order.amountOfMoney.amount in one go.

If you send "true", make sure to eventually capture the amount to actually receive the payment.

Mind that the availability of a specific authorisation mode/type, the validity period and the possibility for partial/multiple captures depends on various factors, such as
- The payment method/card scheme.
- Your customer's issuer.
- The location and type of your business.
- Your acquiring contract.
The applicable property for your request depends on the payment method. Refer to JSON sample in the "Integration" chapters of the respective payment method documentation.

Authorisation and direct sale

Authorisation mode

Process requests

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