Deferred payment

A payment is considered a deferred payment if:

The amount is debited once,
The capture delay is strictly more than 0 days.
The capture date cannot be more than 12 months after the payment request registration date.

There are two types of deferred payments:

Capture delay shorter than the authorization validity period (see: Authorization request validity period)
An authorization request for the total amount is sent. If the merchant has not made any modifications, the payment is captured by the bank on the requested capture day.
Capture delay longer than the authorization validity period (see: Authorization request validity period)
An information request is made if the capture delay is greater than the validity period of an authorization request.

The information request is made in order to check the card validity. For acquirers who do not support information requests, an authorization request for 100 XPF will be made.

If the authorization for 100 XPF is accepted, the payment request is registered.

One day before the capture at the bank, a new authorization request for the total amount is made.

The payment might be accepted or refused. Therefore, the merchant must be extremely attentive with this payment type and make sure to deliver the items or services to the buyer.