One-time purchases

This section covers information on processing of one-time purchases. General information, which extends the section about payment models and statuses (Payment processing), is applicable to payments with payment cards and payments by using alternative instruments, while the detailed information is only applicable to payments with payment cards. For more information about payments by alternative instruments, see Methods.

Warning: In order to enhance the quality of payment processing and ensure compliance with industry standards, starting from January 15, 2026, merchants in certain business categories must specify the booking_info object containing information about the start and end dates of the booked service (details), for each initiated card purchase. This requirement applies to merchants with Merchant Category Codes (MCC) 3000–3999, 4411, 4511, 4722, 5962, 6513, 7011, 7012, 7512, 7519, and 7922.

One-time purchase is a payment type which makes a one-time transfer of funds from customer to merchant. The ecommpay payment platform supports the following types of one-time purchases:

  • One-step purchase, or one-time one-step purchase, is a payment type which uses only one request to make a one-time transfer of funds from customer to merchant. You can use this purchase type to process payments by using payment cards and alternative payment instruments and to implement repayment of loans issued by microlenders. The purchase workflow and format of requests and callbacks are covered in greater detail in the following section: One-step purchase.

  • Two-step purchase, or 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 transferred to the merchant account based on the merchant request or after specific time lag.Two-step purchases are supported for payment processing by using payment cards and alternative payment instruments. The purchase workflow and format of requests and callbacks are covered in greater detail in the following section: Two-step purchase.

Information about possible statuses of this payment type can be found in the corresponding article.