When to Use Each Payment Flow
The following table outlines which payment flows and configurations apply to common scenarios, along with links to relevant documentation.
Let the customer enter a credit card number and pay immediately. This is the most common scenario that works best for digital goods and instant fulfillment.
Let the customer pay again with a credit card they used before.
Let the customer pay with various digital wallets, such as Google Pay, Apple Pay, or bit.
Let the customer pay using gift cards like Multipass or Finitione.
Send an SMS to the customer that enables them to make a payment.
Accept a customer's credit card via a physical payment terminal (for example, connected to a cash register or a PoS system).
Enable credit card issuers to provide an additional security layer by sending one-time passwords to customers.
Start by checking if a customer has enough funds to pay, and charge them later. This works best with goods requiring inventory checks, marketplaces, booking services, and high-value transactions.
Charge an existing customer's card on a recurring basis without their interaction.
Account for unstable connectivity environments and securely persist customers' credit card information for short periods of time.
Refund a customer or cancel a transaction.
Credit a customer's account with funds without an original transaction taking place.
Issue an invoice or receipt for a customer.
Troubleshoot past transactions or find out more about them.
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