Charge Types

In the Charge Lifecycle section, a charge, a card transaction and its lifecycle are explained. However, there could be differences in the type of charges a merchant wants to submit, and we capture these cases in the type structure.

A single charge type is composed of four distinct fields: intent, cardEntry, order, and conditionally sequence. Below the possible payment scenarios are described including which fields and values are should be be set are described for each.

Authorize a purchase via online check-out. Example: Goods and downloads, virtual services, event tickets, one time donation, gift card purchase.

Reserve an amount on cardholder account. Example: Booking travel or accommodation (pre-auth).

Check if the cardholder's account is in good standing.

One-off e-com transaction initiated by customer, with payment details on file.

Authorize a purchasing via mail order or phone order. Example: Ordering a pizza using the phone with card details.

Unreferenced refund, where refund is not based on any previous authorization. Example: Cardholder returns a pair of shoes purchase, merchant agrees with refund, and cardholder provides (different) account infomation where the refund goes to.

Monthly or yearly subscriptions. Example: Subscriptions for streaming services.

Regular billing based on usage. Example: Electricity, water services or cell phone usage.

Financial arrangement that allows for the division of a larger sum into smaller, more manageable payments over a set period of time. Example: TV is purchased and it will take 5 installments for paying the full amount off.

Payments processed using stored card information for transactions that occur on an irregular or unscheduled basis. Example: Shared riding services or services charged ad-hoc.

Saving a cardholder's credit or debit card details for future transactions. Example: Store card for ride services.

Merchant shipping out a portion of an order while the remainder of the order is held back due to various reasons, such as stock availability issues, production delays, or logistical challenges. Each shipment is a separate transaction. Example: Consumer orders goods on marketplace from various merchants.

A delayed charge transaction is performed to process a supplemental account charge after original services have been rendered and respective payment has been processed. Example: Hotel mini bar charge after the cardholder has checked out of hotel.

A guaranteed reservation ensures that the reservation will be honored and allows a merchant to perform a no-show transaction to charge the cardholder a penalty according to the transaction to charge the cardholder a penalty according to the... Example: Cardholder’s cancellation of a reservation without providing proper advance notice to the merchant.

A merchant performs a resubmission in cases where it requested an authorization but was declined due to insufficient funds after it had already delivered the goods or services to the cardholder. Previous attempt to obtain authorization for a transaction has been declined but the issuer’s response does not prohibit the merchant from trying again later. Example: Insufficient funds, over credit limit response or transit debt recovery.