Scheduled COF purchase
Overview
Scheduled COF purchase is a payment type which uses an initial request to initiate a series of fund transfers from customer to merchant by using previously stored payment credentials without validation of the payment instrument (such as card validation code, or CVC).
Scheduled COF purchases are used for purchases in which the same payment instrument for repeatable miscellaneous purchases with fixed amount and schedule, for instance to pay monthly fee for a subscription. Scheduled COF purchases are convenient for the customer and the merchant because they can be sure that payments will be performed automatically, with no additional actions on their part.
Payment Page supports registering COF purchases, including scheduled COF purchases. In terms of scheduled COF purchases each withdrawal of funds is initiated by the payment platform.
The payment workflow
A scheduled COF purchase by using Payment Page becomes available only after initial purchase in which the merchant specifies the required 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).
If all required parameters were specified during COF purchase registration, the merchant or the customer does not need to initiate the scheduled COF purchase, as in this case withdrawal of funds is initiated automatically by the payment platform. A separate recurring operation is used for each withdrawal. Since this type of purchase is initiated automatically, providing additional payment information is not used.
If needed, the merchant can change payment schedule and/or amount or even cancel COF purchase processing using Gate. Depending on the payment method, the recurring_update and recurring_cancel operations respectively may be performed or not performed.
If the payment method supports refunds, after completing at least one scheduled COF purchase the merchant can perform refund and return the customers their money, if needed. Refund processing is initiated using Gate or Dashboard to perform a refund operation.
Figure: State diagram for scheduled COF purchase
The rest of this section describes any possible statuses of an scheduled COF purchase and operations related with the purchase. For more information about how to perform COF purchases with payment cards, see Credential-on-file (COF) purchases.
Payment statuses
The following table describes the statuses of any scheduled 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 in progress. A current charge is being processed on a prearranged schedule. | Intermediate status |
awaiting clarification |
Clarification is not used during scheduled COF purchase processing by using Payment Page | Intermediate status |
scheduled recurring processing |
Payment is in progress. A recurring charge is pending on a prearranged schedule. | Intermediate status |
decline |
Payment could not be completed. | Final status |
success |
Payment has completed successfully—all recurring charges happened. | Final status. Additionally the payment refund is supported. |
partially refunded |
The partial amount of payment has returned to a customer. The status is set to partially refunded when all recurring charges happened. |
Final status. Additionally a partial refund can be canceled. |
refunded |
The the total amount of payment was returned to a customer. The status is set to partially refunded when all recurring charges happened. |
Final status. Additionally a refund can be canceled. |
The recurring operation statuses
The following table describes the statuses of the recurring operation.
processing |
Operation is being processed. | Intermediate status |
awaiting clarification |
Clarification is not used during scheduled COF purchase processing by using Payment Page | Intermediate status |
decline |
Operation could not be completed. | Final status |
success |
Operation has completed successfully. | Final status |
The recurring_update and recurring_cancel operations statuses
The following table describes the statuses of the recurring_update and recurring_cancel operations.
processing |
Operation is being processed. | Intermediate status |
decline |
Operation denied. | Final status |
success |
Operation completed successfully. | Final status |
The refund operation statuses
The refund operation statuses coincide with the recurring operation ones.
Related links
- Methods—the section with the information about the supported payment methods.
- Purchase refunds—the section with the information about processing refund by using Gate.
- Dashboard—the section with the information about using Dashboard.
- Callbacks—the section with the information about callbacks.
- Information of operations performing—the section with the information about error codes used in the payment platform.