Card Payment

The Card Payment feature allows merchants to initiate a payment using a card token returned by Ayoconnect during card registration flow.

Through this feature, you can:

• Request Payment - Initiate payment to deduct fund from your customer's card
• Specify Payment Amount - Client will be able to specify any amount as per transaction amount that client intend to charge the end users.

With each card payment request, merchants will receive a unique invoice number. This is auto-generated by Ayoconnect, and is used for getting the card payment status

Ayoconnect provide two method of operations on how merchant wish to deduct end user's card. Those operations are "PAY" operation, and "AUTHORIZE" & "CAPTURE" operations.

Merchant can specify the operation type during payment request. Both Pay and Authorize & Capture process are asynchronous process

Auth + Capture Payment Flow

Auth combined with Capture is a two-step payment that merchant can use to deduct customer funds. Typically this workflow is often used by merchant that wants to confirm payment but ship or deliver goods/services later.

Auth (Authorization):

• This operation reserve funds on the customer’s card without transferring the money yet.
• The issuer bank confirms that the funds are available and puts a hold on the authorized amount.

Capture

• This operation completes the payment by actually charging the card.
• It must be called after a successful AUTH.
• This operation can be done immediately or after a delay (i.e. After the product is shipped)
• In Ayoconnect, merchant can capture amount lower than the initial authorized amount or maximum 120% from the authorized amount.
• Do note that authorization holds cannot last forever. It can last between few days to a few weeks depending on the type of card used (issuing bank, debit/credit card, etc). If a CAPTURE is not made within the time window, the authorization will be automatically VOIDED

Pay (Instant) Payment Flow

Pay operation is a combined operation between Auth and Capture into one-step payment workflow. This is also the preferred workflow for use case of immediate payment without any delay between order and delivery.

Transaction Limit

There are currently no limit on the amount that merchant can charge. However do note that end user card also have remaining balance / credit card limit