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Autorizaciones incrementales para pagos con tarjeta

Un comerciante puede usar una autorización incremental para un pago con tarjeta iniciado por el cliente.

Utilice Crear pago para la transacción. Bajo el payment_method_options objeto en el cuerpo de la solicitud, defina es_ajustable campo a verdadero. Esto iniciará una autorización previa para el pago con tarjeta

El comerciante debe estar configurado para poder crear pagos ajustables.

Si la cantidad final es mayor, entonces un Actualizar pago será necesario realizar la solicitud. Esto solo es posible si es_ajustable está establecido en verdadero y capturar está configurado en falso. Luego captura la cantidad final.

Flujo de trabajo de pagos con

Crea un pago con tarjeta y, a continuación, utiliza una autorización incremental actualizando el pago con un importe mayor.

Paso 1: Crear un pago con tarjeta
incremental-authorization-flow-1.png

  1. El cliente completa el pago con tarjeta al finalizar la compra en tu sitio web.

  2. El proveedor de token externo solicita un token de red.

  3. Solicitas a Rapyd que procese el pago con tarjeta mediante un token de red.

  4. Rapyd procesa el pago y te envía la respuesta y el webhook.

  5. Muestras tu página de éxito de compra al cliente.

Paso 2: Aumentar el monto del pago
incremental-authorization-flow-2.png

  1. Usas Actualizar pago para el pago original.

  2. Solicitas a Rapyd que actualice el pago con tarjeta con un importe mayor.

  3. Rapyd procesa el pago y te envía la respuesta y el webhook.

Certificación PCI

Solo clientes con PCI-DSS La certificación puede gestionar la información de identificación personal de las tarjetas. Este método está disponible para los comerciantes que hayan firmado un acuerdo especial con Rapyd

Cómo funcionan las autorizaciones incrementales
Crear un pago con tarjeta

Utilice Crear pago para crear un pago con tarjeta.

Crear solicitud de pago

    • Solicitud

      • // Request URL: POST https://sandboxapi.rapyd.net/v1/payments

// Message body: 

{
    "amount": 100,
    "currency": "GBP",
    "description": "testing preauth for another merchant",
    "enhanced_data": {},
    "payment_method": {
        "type": "gb_visa_card",
        "fields": {
            "name": "Card Test",
            "number": "4176660000000100",
            "expiration_month": "01",
            "expiration_year": "29",
            "cvv": "123"
        }
    },
    "payment_method_options": {
        "is_adjustable": true
    },
    "capture": false,
    "save_payment_method": true,
    "complete_payment_url": "https://www.yahoo.com",
    "error_payment_url": "https://www.lego.com"
}
Crear respuesta de pago

    • Respuesta

      • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "fbb3f728-05cd-4ec1-9e5e-7ce6b2cdd2b4"
    },
    "data": {
        "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22",
        "amount": 0,
        "original_amount": 100,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "ACT",
        "description": "testing preauth for another merchant",
        "merchant_reference_id": "",
        "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b",
        "payment_method": "card_2926398a8aa1df155399e837db4cc124",
        "payment_method_data": {
            "id": "card_2926398a8aa1df155399e837db4cc124",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "Card Test",
            "last4": "0100",
            "acs_check": "pass",
            "cvv_check": "pass",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "VISA EUROPE LIMITED",
                "country": "GB",
                "bin_number": "417666"
            },
            "expiration_year": "29",
            "expiration_month": "01",
            "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d",
            "network_reference_id": "000000258200813",
            "payment_account_reference": "V0010019169397631953494893013"
        },
        "auth_code": "645605",
        "expiration": 1771632000,
        "captured": false,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://www.yahoo.com",
        "error_payment_url": "https://www.lego.com",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "from db",
        "transaction_id": "",
        "created_at": 1769060571,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
        "ewalleters": null,
        "ewallets": [
            {
                "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true,
            "is_adjustable": true
        },
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "mid_26302_00000001_valitor",
        "next_action": "pending_capture",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": "05",
            "result": "A",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}
Actualizar el pago con tarjeta

Utilice Actualizar pago para aumentar el importe del pago.

Prerrequisito

Para actualizar un pago con tarjeta e iniciar una autorización incremental, el pago original que se está actualizando debe tener es_ajustable campo establecido en verdadero.

Actualizar solicitud de pago

    • Solicitud

      • // Request URL: POST https://sandboxapi.rapyd.net/v1/payments/payment_fb3f486eaf16c1d3e0c7c1b1bba85b22

// Message body: 

{
    "amount": 500,
    "description": "Increasing amount"
}
Actualizar la respuesta de pago

    • Respuesta

      • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "a336f29f-4b4d-4e9b-8a82-ca6cff275688"
    },
    "data": {
        "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22",
        "amount": 0,
        "original_amount": 500,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "ACT",
        "description": "Increasing amount",
        "merchant_reference_id": "",
        "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b",
        "payment_method": "card_2926398a8aa1df155399e837db4cc124",
        "payment_method_data": {
            "id": "card_2926398a8aa1df155399e837db4cc124",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "Card Test",
            "last4": "0100",
            "acs_check": "pass",
            "cvv_check": "pass",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "VISA EUROPE LIMITED",
                "country": "GB",
                "bin_number": "417666"
            },
            "expiration_year": "29",
            "expiration_month": "01",
            "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d",
            "network_reference_id": "000000258200813",
            "payment_account_reference": "V0010019169397631953494893013"
        },
        "auth_code": "404383",
        "expiration": 1771632000,
        "captured": false,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://www.yahoo.com",
        "error_payment_url": "https://www.lego.com",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "from db",
        "transaction_id": "",
        "created_at": 1769060571,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": false,
        "paid_at": 0,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true,
            "is_adjustable": true
        },
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "mid_26302_00000001_valitor",
        "next_action": "pending_capture",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": "05",
            "result": "A",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}
Capture el pago con tarjeta

Utilice Capture el pago para capturar el importe final del pago.

Capturar solicitud de pago

    • Solicitud

      • // Request URL: POST https://sandboxapi.rapyd.net/v1/payments/:payment/capture

// Message body: 

{
    "amount": 500
}
Capture la respuesta de pago

    • Respuesta

      • {
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "c26baa5e-1764-4f47-9d98-9d60f4da485d"
    },
    "data": {
        "id": "payment_fb3f486eaf16c1d3e0c7c1b1bba85b22",
        "amount": 500,
        "original_amount": 500,
        "is_partial": false,
        "currency_code": "GBP",
        "country_code": "GB",
        "status": "CLO",
        "description": "Increasing amount",
        "merchant_reference_id": "",
        "customer_token": "cus_9cb668a06820dfad16560fcb7d66bf8b",
        "payment_method": "card_2926398a8aa1df155399e837db4cc124",
        "payment_method_data": {
            "id": "card_2926398a8aa1df155399e837db4cc124",
            "type": "gb_visa_card",
            "category": "card",
            "metadata": null,
            "image": "",
            "webhook_url": "",
            "supporting_documentation": "",
            "next_action": "not_applicable",
            "name": "Card Test",
            "last4": "0100",
            "acs_check": "pass",
            "cvv_check": "pass",
            "bin_details": {
                "type": "CREDIT",
                "brand": "VISA",
                "level": "CLASSIC",
                "issuer": "VISA EUROPE LIMITED",
                "country": "GB",
                "bin_number": "417666"
            },
            "expiration_year": "29",
            "expiration_month": "01",
            "fingerprint_token": "ocfp_8eb736573e0985910cbd9303441ab75d",
            "network_reference_id": "000000258200813",
            "payment_account_reference": "V0010019169397631953494893013"
        },
        "auth_code": "404383",
        "expiration": 1771632000,
        "captured": true,
        "refunded": false,
        "refunded_amount": 0,
        "receipt_email": "",
        "redirect_url": "",
        "complete_payment_url": "https://www.yahoo.com",
        "error_payment_url": "https://www.lego.com",
        "receipt_number": "",
        "flow_type": "",
        "address": null,
        "statement_descriptor": "from db",
        "transaction_id": "",
        "created_at": 1769060571,
        "metadata": {},
        "failure_code": "",
        "failure_message": "",
        "paid": true,
        "paid_at": 1769060627,
        "dispute": null,
        "refunds": null,
        "order": null,
        "outcome": null,
        "visual_codes": {},
        "textual_codes": {},
        "instructions": [],
        "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
        "ewallets": [
            {
                "ewallet_id": "ewallet_c3016bb4e958f489046b5a7e82826063",
                "amount": 100,
                "percent": 100,
                "refunded_amount": 0
            }
        ],
        "payment_method_options": {
            "3d_required": true,
            "is_adjustable": true
        },
        "payment_method_type": "gb_visa_card",
        "payment_method_type_category": "card",
        "fx_rate": 1,
        "merchant_requested_currency": null,
        "merchant_requested_amount": null,
        "fixed_side": "",
        "payment_fees": null,
        "invoice": "",
        "escrow": null,
        "group_payment": "",
        "cancel_reason": null,
        "initiation_type": "customer_present",
        "mid": "mid_26302_00000001_valitor",
        "next_action": "not_applicable",
        "error_code": "",
        "remitter_information": {},
        "save_payment_method": true,
        "merchant_advice_code": null,
        "merchant_advice_message": null,
        "authentication_result": {
            "eci": "05",
            "result": "A",
            "version": "2.2.0",
            "cardholder_info": null
        },
        "transaction_link_id": null
    }
}
En esta sección:

Regulations developed for the payment card industry for data security and protection against fraud.