This section outlines the methods available for card payments. Depending on the selected transaction type (one-step or two-step payment), the set of available methods varies. A one-step payment is executed with a single request that simultaneously initiates authorization and funds withdrawal. To send a request for processing a one-step payment in the Freedom Pay Gateway, you must specify pg_auto_clearing = 1 in the request parameters. A two-step payment is performed in two stages: first, authorization is carried out, during which the amount is blocked on the payer's account, and then a second request is sent for clearing (operation confirmation), which results in the actual withdrawal of funds. To send a request for processing a two-step payment in the Freedom Pay Gateway, you must specify pg_auto_clearing = 0 in the request parameters.
This method is used for processing payments using a card. At this stage, the payer provides card details to execute the transaction. The payment can follow two scenarios: with 3D Secure (3DS) or without it.
When using this method, 3ds is required, therefore it is necessary to make a request to the ACS server of the card issuer bank.3D Secure (3DS) is an authentication technology to protect against unauthorized use of cards. It allows for verifying the cardholder’s identity before the payment is processed.The authentication process works as follows: after entering the card details, the issuer’s website opens, prompting the cardholder to enter a password or secret code. The code is usually sent via SMS. If the code is entered correctly, the payment is authorized; if not, the transaction is declined.3D Secure is available only for cards issued by banks that support this technology. Payments without 3D Secure are considered less secure.
Cancel payment before the actual fund withdrawal is available only for a two-step payment process. Payment cancellation is made before funds are debited, at the stage of holding the amount on the payer's card.
This method involves sending a request to withdraw the payment amount that was previously held on the payer's card.If Freedom Pay Gateway does not receive a clearing or cancellation request within 5 days, the payment will be automatically cleared.The method is available only for two-step payments.
Refund is a method used to return funds to the payer for a previously processed payment.It is applicable only in cases where the funds have already been withdrawn from the payer's card.This method is available for one-step payments and already cleared two-step payments but cannot be used for two-step payments that have not been cleared.
