One-time purchase processing

This section covers information on processing of one-time purchases. General information, which extends the section about payment models and statuses (Payment models and statuses), 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 Payments by using alternative methods.

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 implement repayment of loans issued by microlenders through so-called AFT channels (Analog Facility Terminal). For more information about AFT, refer to your account manager. The purchase workflow and format of requests and callbacks are covered in greater details in the following topic: 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. The purchase workflow and format of requests and callbacks are covered in greater details in the following topic: Two-step purchase.