Guides
  1. Payments
  2. Payment actions: types, modes, and statuses

Charge

Action charge represents money deduction activities.

ModePossible statusesDescription
authsuccess/pending/failthe necessary amount on the customer's account is blocked for a set period of time for a future final settlement. Once that period is over, the block is removed and the blocked amount is either returned (void) or charged (settle).
settlesuccess/pending/failis the next step after auth, where the previously blocked amount is charged to complete the transaction.
sale*success/pending/failthe necessary amount is charged immediately from the customer's account.
payoutsuccess/pending/failis the opposite of sale where the Gateway makes payouts to the customer's indicated bank card or bank account.

* modesale in online banking

Unlike card payments, online banking is not an instant payment method, meaning it takes some time before the money gets to the recipient’s bank account. For this reason, we introduced the status confirmed, which informs of a successful money transfer. So in online banking, the mode sale has the following statuses:

  • Success: the recipient’s bank has received the request for a money transfer.
  • Confirmed: the Gateway has successfully received the money transfer in our bank account.
  • Fail: the operation failed.

Eight days can pass between the statuses success and confirmed. Should the Gateway not receive the money transfer within eight days, the operation will be refunded (credit - refund - success).
Kindly note that you might come across the following flow: sale - success - fail since the client might have created the request but failed to confirm it.

We reconcile our bank account daily and even hourly to mark received money transfers as sale-confirmed in our database and to ensure you always obtain the most relevant information about the payment’s status.

Online banking is resistant to chargebacks, so once the money is in the bank, it will stay there.

"payment": {
      "code": "0",
      "description": "APPROVED",
      "action": "charge",
      "url": "https://google.com/oijhflsfs9",
      "mode": "sale",
      "status": "success",
      "amount": 9.99,
      "currency": "USD",
      "orderId": "235324530",
      "transactionId": "12345",
      "descriptor": "centrohelp.com",
      "source": {}
}