Pre-authorization (auth)
Two-step payment is a payment process involves the pre-authorization (holding) of the customer's funds in their own bank account to ensure further payment.
Completion of the payment process requires one of the following actions:
- Payment capture, when pre-authorized funds are debited from the customer's account to your account.
- Voiding pre-authorization, when the funds are released and become available to the customer again.
Features:
- Pre-authorization transactions have the "Auth" type and are displayed with this value in the merchant portal.
- Two-step payment is supported only when using card payment methods as well as Apple Pay and Google Pay digital wallets.
- Automated capture or voiding of two-step payments within a specific period of time can be predetermined. For example, if a payment is not captured within 24 hours, it will be automatically voided. To implement this payment flow, please contact Tranzzo Support.
Two-step payment use-case:
- When a customer fills out their cart in an online shop and completes a payment, the payment amount is authorized and temporarily held on their card.
- The merchant checks whether the ordered goods are available:
- When the ordered goods are in stock, the merchant captures the payment, resulting in the held funds being debited from the customer's account.
- If the ordered goods are unavailable, the merchant voids the payment, causing the held funds to become available to the customer. In such cases, there is no need for the merchant to issue a refund or incur any additional fees.
caution
Primary transactions (purchase, auth, credit, lookup, P2P) must have a unique order ID. In case the selected order ID is already set for another transaction, an error will be received when creating the order.