Immediate payment
A payment is considered as immediate payment if:
- The amount is debited once,
- The capture delay at the bank is 0 days.
The payment is captured at the bank as soon as possible.
Simplified diagram
- The merchant site submits a payment request.
- The payment gateway initiates the cardholder’s authentication process with the issuer (mandatory for all CIT transactions).
- After the authentication (challenge or frictionless), the gateway proceeds with the authorization request by providing the cardholder’s authentication details.
- The issuer generates and transmits a unique transaction identifier in their response.
- The payment gateway notifies the merchant website about the payment result.
The payment gateway stores the issuer transaction identifier for each transaction.
If the merchant duplicates the transaction (MIT), the payment gateway uses this identifier as a chaining reference.
The chaining reference management is automatic and transparent for the merchant.
