On-demand COF purchase

Tip: This article provides a general description of processing on-demand COF purchases in the ecommpay payment platform and covers information about operations utilised to execute a payment of this type and statuses that are assigned to the payment and the operations performed within it.

In addition, use the following materials to gain a fuller understanding of processing COF purchases:

  • COF purchase registration—an article that covers registering COF purchases via Payment Page and describes requests and callbacks that are used in case of card payments.
  • articles of the Payment methods section containing a description of COF purchase registration via Payment Page with the focus on the specific features of the payment method used and information about relevant requests and callbacks.

Overview

On-demand COF purchase is a payment type which uses only one request to make one (recurring) transfer of funds from customer to merchant by using previously stored payment credentials but without validation of the payment instrument (such as card validation code, or CVC).

The on-demand COF purchase are used for purchases that use the same payment instrument for repeatable miscellaneous purchases with variable amount and no specific schedule, for instance to pay for taxi services. On-demand COF purchases are convenient because they do not require customer to enter payment credentials and to validate payment instrument for each purchase.

Payment Page supports registering COF purchases and performing express purchases (OneClick) for some payment methods. OneClick purchases are on-demand COF purchases with each withdrawal of funds initiated by the customer.

Payment model

An on-demand COF purchase by using Payment Page becomes available only after initial purchase in which the merchant specifies the COF purchase type and instruct the payment platform to save customer's purchase credentials. The set of the parameters that are required for the subsequent COF purchases processing may vary depending on the payment method (more: Methods).

The merchant initiates the registered on-demand COF purchase by specifying in the request for opening the payment form the purchase operation mode and additional parameters required for performing COF purchases using a particular payment method (for more information about initiating COF purchases, see Methods). Once the payment form opens, the customer should select the payment instrument for which the COF purchases are registered and confirm payment processing. Authentication is not required. As soon as the customer confirms payment processing, request is sent to the payment platform. Once the payment platform receives the request, it creates the sale operation.

In rare instances, a COF purchase processing may involve clarification of the information, for example, clarification of cardholder address which is missing from the initial request. This procedure does not require the merchant to perform any steps, but it requires customer's actions.

If the payment method used for making the payment supports refunds, after completing this type of purchase the merchant can perform refund and return the customers their money, if needed. Refund processing is initiated using Gate or Dashboard, and one of the following operations is performed:

  • reversal—this operation is used when refund is performed on the same business day as the initial purchase.
  • refund—this operation is used when refund is performed after the business day of the initial purchase is closed.

Figure: State diagram for on-demand COF purchase

The rest of this section describes any possible statuses of an on-demand COF purchase and operations related with the purchase. For more information about how to perform COF purchases with payment cards, see COF purchase registration. For more information about how to perform COF purchases depending on the payment method, see Methods.

Payment statuses

The following table describes the statuses of any on-demand COF purchase.

error Payment processing is not initiated, error occurred when processing the request received by the payment platform. Final status. Payment processing can be reinitiated.
processing Payment is being processed. Intermediate status
awaiting clarification Payment processing is suspended until the payment platform receives the additional information from the customer. If the payment platform does not receive the required information within 30 minutes, the status is set to decline. Intermediate status
decline Payment could not be completed. Final status
success Payment has completed successfully. Final status. Additionally the payment refund is supported.
reversed The total amount of payment was returned to a customer on the same business day the initial payment had been completed. Final status. Additionally a refund can be cancelled.
partially refunded The partial amount of payment has returned to a customer. Final status. Additionally a partial refund can be cancelled.
refunded

The the total amount of payment was returned to a customer after the business day the initial purchase had been 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 a refund can be cancelled.

The sale operation statuses

The following table describes the statuses of the sale operation.

processing Operation is being processed. Intermediate status
awaiting clarification Operation processing is suspended until the payment platform receives the additional information from the customer. If the payment platform does not receive the required information within 30 minutes, the status is set to decline. Intermediate status
decline Operation could not be completed. Final status
success Operation has completed successfully. Final status

Statuses of the reversal and refund operations

The reversal and refund

The following table describes the statuses of the reversal and refund operations.
processing Operation is being processed. Intermediate status
awaiting clarification Operation processing is suspended until the payment platform receives the additional information from the customer. If the payment platform does not receive the required information within 30 minutes, the status is set to decline. Intermediate status
decline Operation could not be completed. Final status
success Operation has completed successfully. Final status

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