One-time two-step purchase

Overview

One-time two-step purchase is a payment type which uses two steps to make a one-time transfer of funds from customer to merchant. On the first step, merchant initiates an authorization hold—in other words, the purchase amount is deducted from the credit limit of customer's card account. On the second step, the purchase amount is captured, or, in other words, it is debited to the customer account based on the merchant request or after specific time lag.

This payment type allows merchant to “hold” the purchase amount and, thus, to ensure that specific amount will be charged, or captured, to customer account or, alternatively, to “release” the funds if the situation changes, for instance when the customer cancels hotel booking.

Payment model

You initiate the first step of a purchase by sending an auth request to the payment platform or by opening the payment form in the purchase mode with the auth operation type specified. Once the payment platform receives the request, it creates an auth operation which eventually results in holding funds on customer account.

The first step may require merchant to issue additional requests:

If the payment requires customer to be authenticated by using the 3‑D Secure technology, the payment platform sends to the web service a callback that contains the data required to generate a request to the issuer and suspends the purchase processing until the authentication result information is received. For submitting the information, in case of working via Gate, it is required to send a request with the authentication result—3ds_result—, while in case of working via Payment Page, all actions are carried out without the merchant's web service involved.
If any payment stakeholder requests additional information (For example, the payment system may request cardholder address which was missing from the initial request.), the payment platform sends to the web service a callback that lists the requested parameters and suspends the purchase processing until the required information is received. In case of working via Gate, a request should be sent with the needed information included—clarification, while in case of working via Payment Page, all actions are carried out without the merchant's web service involved.

The second step may be initiated by a request from merchant's web service, through an action in the Dashboard or the payment platform may automatically perform the step after specific time elapses.

The merchant initiates the second step by sending one of the following requests to the payment platform:

capture—this request processing results in a capture operation and the customer account is debited for the held amount.
cancel—this request processing results in a cancel operation and release of the funds held on the customer account.

For more information on how to initiate the second step, refer to your account manager.

After completing the second step of a one-time two-step purchase, you can refund the purchase. This can be done by sending a refund request to the payment platform or as a result of the corresponding action on the payment information tab in the Dashboard interface. For a refund, depending on the refund time and amount and the payment instrument used for the payment, one of the following operations is initiated:

reversal if the refund is initiated within the operation day regardless of the purchase amount for a Mastercard card and provided that the total purchase amount is refunded for a card of any other card network;
refund if the refund is initiated for a card of any card network after operation day and regardless of the amount and within the operation day provided that a partial purchase amount is refunded for a card of all card networks except Mastercard.

Figure 1. State diagram for one-time two-step purchase

Payment statuses

The following table describes the statuses of a one-time two-step purchase.


`error`	Error occurred when request processing. Payment is not performed.	Final status. The request can be resent with the same payment identifier and the same payment can be retried.
`processing`	Payment is being processed.	Intermediate status
`awaiting 3ds result`	Payment processing is suspended until the information about the 3‑D Secure authentication result is received. If this information is not received within the required timeout time, then the payment status is set to `decline`. Normally, the timeout is 30 minutes. For more information about specific timeouts, contact technical support at support@orchid.works.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`awaiting capture`	Payment processing is suspended until the web service submits a `capture` request or a `cancel` request.	Intermediate status
`canceled`	A hold placed on funds was cancelled.	Final status
`decline`	Payment could not be completed.	Final status
`success`	Payment has been completed.	Final status. Additionally, the payment refund is supported.
`partially reversed`	Payment amount is partially refunded within the operation day on which the payment was completed.	Final status
`reversed`	Total payment amount is refunded within the operation day on which the payment was completed.	Final status. Additionally, the refund can be cancelled.
`partially refunded`	Partial amount of the payment is returned to the customer.	Final status. Additionally a partial refund can be cancelled.
`refunded`	Payment amount is fully refunded after the operation day on which the payment was completed. This status is used if the total amount of payment is returned in one refund or if the total amount of the partial refunds is equal to the total amount of payment.	Final status. Additionally, a refund can be cancelled.

The auth operation statuses

The following table describes the statuses of the auth operation.


`processing`	Operation is being processed.	Intermediate status
`awaiting 3ds result`	Payment processing is suspended until the information about the 3‑D Secure authentication result is received. If this information is not received within the required timeout time, then the payment status is set to `decline`. Normally, the timeout is 30 minutes. For more information about specific timeouts, contact technical support at support@orchid.works.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`decline`	Operation could not be completed.	Final status
`success`	Operation has been completed.	Final status

Statuses of the incremental operation

The following table describes the statuses of the incremental operation.


`decline`	Operation is declined.	Final status
`success`	Operation is completed.	Final status

Statuses of the capture and cancel operations

The following table describes the statuses of any capture or cancel operation.


`processing`	Operation is being processed.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`decline`	Operation could not be completed.	Final status
`success`	Operation has been completed.	Final status

Statuses of the reversal and refund operations

The reversal and refund operation statuses coincide with the statuses of the capture and cancel operations.