Deferred Payments

Sometimes money should not be transferred from a customer straight away, however a card needs to be ‘swiped’ to ensure that funds can be taken at a future point. A typical example of this is for a hotel booking. A hotel may swipe a card and then take any funds after the stay for any additional charges (room service, dining, spa, etc).

SmarterPay’s integration to Opayo allows us to offer two types of deferred payments, each with their own rules.

1. Pre-Authorisation – Allows users to place a ‘shadow’ or a customer’s bank account for a specific amount. This amount will be taken off the customer’s available balance. The shadow can be applied for up to 7 days, at which point the money is released back to the customer.
2. Authenticate & Authorise – Allows users to validate a card and request money for up to 90 days. The requested value is not ‘shadowed’ on the customer’s account; therefore, the funds may not be available when the request is placed to take the money.

For both types of deferred payments, cards may be ‘swiped’ via MOTO or ecommerce environments.

When a deferred payment is initiated, a card payment is created in Salesforce with a status of Pre-Auth or Authenticate. Once funds have been requested a card payment is created which details the result of the transaction.

The ‘release’ or execution of the final transaction to actually take funds can be initiated manually on a press of a button or automatically based on an event within Salesforce such as a field change.