Payment Method Types

Overview

The Payment Method Types, provides card, online, and offline payment methods each of which have distinct payment flows. Their differences are outlined here.

Card

All credit and debit cards.

Card payment methods support pre-authorization.


Response Behavior	Synchronous /checkout response indicates success or failure of authorization
Authorization and Capture	Pre-authorization is supported by most card types which allows separate authorization and capture steps. A transaction may be authorized for several days before capture. Debit cards and some credit cards in limited countries do not support pre-authorization.
External Authentication	External authentication is not required except for cards with 3D secure which currently only applies to Maestro.
Cancellation	Cancellation of a non-capture transaction does not require a /refund request. Cancelling of a captured transaction requires a /refund request.
Timing	Typically takes seconds to complete.
Examples	Visa MasterCard American Express Mexican Debit

Online

Online alternative payment methods that require online external authentication.


Response Behavior	Synchronous /checkout response indicates URL which the shopper's browser needs to be redirected in order to complete authentication.
Authorization and Capture	No separation of authorization and capture, except in the case of PayPal.
External Authentication	Requires online external authentication to complete transaction
Cancellation	Cancellation requires a refund, except in the case of a non-captured PayPal transaction.
Timing	Typically takes several minutes to hours to complete.
Examples	PayPal - supports pre-authorization AliPay Sofort Giropay

Offline

Offline alternative payment methods that require offline external authentication.


Response Behavior	Synchronous /checkout response indicates URL which the shopper's browser needs to be redirected to in order to begin authentication. This URL typically provides an invoice that the shopper has to print out in order to complete the transaction.
Authorization and Capture	No separation of authorization and capture.
External Authentication	Requires offline external authentication to complete transaction. This means that the shopper needs to perform some action outside the Reach systems in order to pay the transaction.
Cancellation	Cannot be cancelled before completion of transaction. Cancellation requires a /refund request.
Timing	Timing depends on shopper action, and as such, can take anywhere from seconds to several days to complete.
Examples	Boleto (Brazil only) Oxxo (Mexico only)