Deferred payment

A payment is considered as deferred payment if:

  • the amount is debited once,
  • the capture delay is strictly more than 0 days,

    the capture date cannot be programmed later than 12 months after the date of payment recording date.

There are two types of deferred payments:

  • Capture delay before the authorization expiration date (see the Authorization validity period section below).

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 after the authorization expiration date (see the Authorization validity period section below).

An authorization request for 1 euro is made at the moment of payment registration to make sure that the card is valid.

If this authorization for 1 euro is accepted, the payment is registered.

An authorization request for the total amount is made one day before the requested capture.

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