Merchant-initiated payments

Collections made by the merchant without the participation of the customer (subscriptions, collection of deposits, partial payments, etc.)


Under PSD2, it is permitted to charge a customer without him being present, provided that he has explicitly accepted it..

The process to make this type of collection is as follows:

  • A secure first payment must be made, also indicating what type of payments will be made to the client later. To do this, the "trxType" parameter (REST integrations) or "DS_MERCHANT_TRX_TYPE" (GET integrations) must be included with one of the values indicated in this table:


    Value Concept
    I Deferred payment. Always refers to an INDIVIDUAL purchase, the amount of the different transactions being set, and with a defined time period
    R Recurring payment. The amount of the transactions may be set or variable, and with a defined time period
    H Normally due to partial deliveries. Also, when the client extends the hotel stay / vehicle rental or when there is an estimated authorisation, the final amount is requested (“conclusion”)
    E Original rejected due to “balance”; only for certain activity sectors (for greater detail review the brand requirements) and with a maximum number of days since the purchase. Relevant example: “Transport”
    D Those which occur following the operation for services provided / used, unknown at the beginning. (Minibar, vehicle damage, fines, etc.)
    M When additional services are incurred during the contract period
    N When the business charges for services which the holder committed to, but then did not comply with the agreed terms. Relevant example: no-show hotel reservations without cancellation.
    C Other
    If the merchant is going to launch subsequent collections, MERCHANT_TRX_TYPE = "R" or "I", the duration of the recurrence and the collection period must also be indicated in the MERCHANT_DATA or DS_MERCHANT_DATA parameter: 
    
{
	"recurringExpiry": "",
	"recurringFrequency": "",
}
    Element Content Description
    recurringExpiry [0-9]{8} Conditional. Mandatory for Recurring and Instalment operations (MERCHANT_TRX_TYPE = I or R). The date from which there will be no more authorisations. Accepted format: YYYYMMDD
    recurringFrequency [A-Za-z0-9]{1,4} Conditional. Mandatory for Recurring and Instalment operations (MERCHANT_TRX_TYPE = I or R). Indicates the minimum number of days between authorisations
  • Successive payments in which the customer is not present must indicate the parameter "scaException" or "DS_MERCHANT_SCA_EXCEPTION", depending on the integration, with the value "MIT".