Table of Contents

Transaction types

The following transaction types are available through GiroCheckout. Not all of these transaction types are possible for every payment method. What may be used and how will be specified for each payment method.

Authorisation (AUTH)

A reservation is to be used when the actual fulfillment of an order takes place at a later time, but the order amount for the presented card (for credit card transactions) or the given account information (for Paydirekt payments and others) needs to be authorized beforehand at the time of the order. Once the reservation period has expired, the reservation is either booked or voided.

  • initial Transaction

Credit Card

  • Reservation deadline: 14 - 20 days (depending on acceptance agreement)
  • Check if credit card exists
  • Check if card is locked
  • Check if card limit is being exceeded
  • If all checks are successful, reserve the amount.

Direct Debit

  • Reservation deadline: 30 days
  • Check if bank code exists and check digit of the account number is correct
  • OR check if check digit of the IBAN is correct
  • If checks are successful, reserve the amount.

Capture

When booking, the customer account is debited with an amount and the merchant account is credited. This model is based on the assumption that the associated business case has been completed, e.g. a shopping cart was offered, ordered and delivered to the customer.

  • Condition: only reserved transactions may be booked
  • Amount ⇐ Reservation amount
  • Partial bookings are possible

Sale

Use sale when the business case is complete, e.g. a shopping cart was offered, ordered and delivered to the customer. The customer's payment method is debited with the amount of the sale.

  • initial Transaction

Refund

A refund is to be used when a previous payment is to be returned fully or partially to the customer.

  • Condition: may only be applied to the following transaction types:
    • Reservation
    • Reservation/Booking
  • Amount ⇐ Transaction amount of the previous transaction

Direct Debit

  • Submission and processing may have to be applied for at the bank which hosts the account

Paydirekt

  • Reservation deadline: up to a maximum of 182 days

Void

Void is to be used when an already accepted transaction is not to be executed.

  • Condition: may only be applied to the following transaction types:
    • Reservation (as long as booking has not been done and reservation hasn't expired)
    • Reservation/Booking (only on the same day)
    • Refund (only on the same day)