One-time one-step purchase

Overview

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. This is the most basic purchase type in which the customer card or account is immediately debited for the amount of the purchase, for example to pay for an item of goods.

Payment model

To initiate one-step purchase, a request of the sale category should be sent to the platform or the payment form should be opened in the Purchase mode with the sale payment type specified. Once the payment platform receives the request, it creates the sale operation which eventually results in debiting the customer card or account.

A one-step purchase may require the merchant to send the following additional requests:

Customer authentication by using the 3‑D Secure technology. In case of working via Gate, for such authentication, the web service is required to accept the corresponding callback and perform the needed actions, while in case of working via Payment Page, all actions needed for authentication are carried out without the web service involved.
Customer authentication performed by the payment system on merchant's request. In case of working via Gate, for such authentication, the web service is required to accept the corresponding callback and perform the needed actions, while in case of working via Payment Page, all actions needed for authentication are carried out without the web service involved.
Submission of additional payment information for any party involved in the payment processing. In case of working via Gate, for submitting additional information, the web service is required to accept the corresponding callback and send a request with the needed data, while in case of working via Payment Page, all actions needed for that are carried out without the web service involved.

If the payment method supports the capability of confirming that the funds were transferred to the payment recipient, then, after the sale operation has been completed, the payment confirmation operation is initiated in the payment platform. It results in receiving such a confirmation from the provider.

If the payment method supports refunds, after completing a one-time one-step purchase you can return your customers their money if needed. This can be done as a result of a request sent via Gate or as a result of the corresponding action in the tab of the needed purchase in the Dashboard interface. For a refund within a card payment, depending on the refund time and amount and the payment instrument used for the payment, one of the following operations is initiated:

reversal if the refund is initiated within the operation day regardless of the purchase amount for a Mastercard card and provided that the total purchase amount is refunded for a card of any other card network;
refund if the refund is initiated for a card of any card network after operation day and regardless of the amount and within the operation day provided that a partial purchase amount is refunded for a card of all card networks except Mastercard.

In case of a refund for a purchase processed with the use of an alternative payment method, normally the refund operation is initiated. The reversal operation can be initiated when the purchase is assigned the success status following the confirmation from the payment system or the provider, but the funds cannot be transferred to the payment recipient.

Figure 1. State diagram for one-time one-step purchase

The rest of this section describes any possible statuses of a one-time one-step purchase and operations related with the purchase. More information about processing one-time one-step purchases using payment cards is provided in the Payment Page and Gate sections, while the information about processing purchases with the use of other payment instruments is provided in the Payment methods section.

Payment statuses

The following table describes the statuses of a one-time one-step purchase.


`error`	Error occurred when request processing. Payment is not performed.	Final status. The request can be resent with the same payment identifier and the same payment can be retried.
`processing`	Payment is being processed.	Intermediate status
`awaiting 3ds result`	Payment processing is suspended until the information about the 3‑D Secure authentication result is received. If this information is not received within the required timeout time, then the payment status is set to `decline`. Normally, the timeout is 30 minutes, but it may differ depending on a provider. For more information about specific timeouts, contact technical support at support@ecommpay.com.	Intermediate status
`awaiting merchant auth`	Payment processing is suspended until the customer authentication initiated in a payment system on the merchant's request is completed.	Intermediate status
`awaiting redirect result`	Payment processing is suspended until the payment system submits a callback with the result to the payment platform. Depending on the result that the payment system submitted the status is set to `success` or `decline`. When processing of the payment only one of the following statuses can be used: either `awaiting redirect result` or `awaiting customer action`.	Intermediate status
`awaiting customer action`	Payment processing is suspended until a customer interacts with a payment system that submits the results of this interaction. Depending on the result that the payment system submitted the status is set to `success` or `decline`. When processing of the payment only one of the following statuses can be used: either `awaiting redirect result` or `awaiting customer action`.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`awaiting customer`	Payment processing is suspended until one of additional attempts to perform this payment is completed (in this case, the status is set to `success` or all additional attempts are used up (in this case, the status is set to `decline`). For more information about the Try again payments, see Payment retries.	Intermediate status
`decline`	Payment could not be completed.	Final status
`success`	Payment has been completed.	Final status. Additionally the payment refund is supported.
`partially reversed`	Payment amount is partially refunded within the operation day on which the payment was completed.	Final status
`reversed`	Total payment amount is refunded within the operation day on which the payment was completed.	Final status. Additionally, the refund can be cancelled.
`partially refunded`	Partial amount of the payment is returned to the customer.	Final status. Additionally, the refund can be cancelled.
`refunded`	Payment amount is fully refunded after the operation day on which the payment was completed. This status is used if the total amount of payment is returned in one refund or if the total amount of the partial refunds is equal to the total amount of payment.	Final status. Additionally, the refund can be cancelled.

Statuses of the sale operation

The following table describes the statuses of the sale operation.


`processing`	Operation is being processed.	Intermediate status
`awaiting 3ds result`	Payment processing is suspended until the information about the 3‑D Secure authentication result is received. If this information is not received within the required timeout time, then the payment status is set to `decline`. Normally, the timeout is 30 minutes, but it may differ depending on a provider. For more information about specific timeouts, contact technical support at support@ecommpay.com.	Intermediate status
`awaiting merchant auth`	Payment processing is suspended until the customer authentication initiated in a payment system on the merchant's request is completed.	Intermediate status
`awaiting redirect result`	Operation processing is suspended until the payment system submits a callback with the result to the payment platform. Depending on the result that the payment system submitted the status is set to `success` or `decline`.	Intermediate status
`awaiting customer action`	Operation processing is suspended until a customer interacts with a payment system that submits the results of this interaction. Depending on the result that the payment system submitted the status is set to `success` or `decline`.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`decline`	Operation could not be completed.	Final status
`success`	Operation has been completed.	Final status

Statuses of the payment confirmation operation

The following table describes the statuses of the payment confirmation operation.


`processing`	Operation is being processed.	Intermediate status
`decline`	Operation could not be completed.	Final status
`success`	Operation has been completed.	Final status

Statuses of the reversal and refund operations

The following table describes the statuses of the reversal or the refund operation.


`processing`	Operation is being processed.	Intermediate status
`awaiting clarification`	Payment processing is suspended until the required additional information is received. If the information is not received within 30 minutes, the payment is assigned the `decline` status	Intermediate status
`decline`	Operation could not be completed.	Final status
`success`	Operation has been completed.	Final status