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Sale

A sale is a bundled authorization and capture. eftpos uses single-message format. Single-message processing treats the authorization and capture as a single transaction. The request is treated as a full financial transaction.

There are several types of sale transactions.

Single payment: The customer provides their card information to a merchant for a one-time purchase. This card information is not saved, but the consumer can store their card information after the transaction. Only the cardholder can initiate a single payment.

First Pay As You Go (PAYG): The customer registers their card details with the merchant to use for the first payment. This type of sale can include ad hoc transactions like order-ahead apps or transactions with variable frequency and fixed amounts, such as automatic top-ups for road tolls. The initial PAYG transactions can be initiated by the merchant or the cardholder.

Subsequent PAYG: After the initial PAYG transaction occurs, subsequent payments are processed as the cardholder continues buying goods and services from the merchant.

First Fixed-Frequency Recurring: The cardholder agrees to a schedule of payments at regular intervals between the consumer and the merchant using the stored payment information. The payment amount can be fixed (for example, a gym membership) or variable (for example, a consumption-based utility bill). In the current implementation, only recurring transactions with a fixed payment amount are supported. The first recurring payment can be initiated by the cardholder or the merchant.

Subsequent Fixed-Frequency Recurring: The merchant uses the cardholder payment information to initiate payments at the scheduled intervals. The transaction amounts can be fixed or variable and the number of transactions the merchant may initiate are unlimited. In the current implementation, only recurring transactions with a fixed payment amount are supported. All subsequent recurring payments are merchant initiated.

First Installment: The cardholder provides payment information and agrees to the number of payments, transaction amount, and the frequency of payments before the first transaction. The initial installment payments can be initiated by the cardholder or the merchant.

Subsequent Installment: The cardholder provides payment information and agrees to the number of payments, transaction amount, and the frequency of payments before the first transaction. Subsequent installment payments are initiated by the merchant.