Deferred Payments

Use the deferred-payment indicator when creating an eligible Checkout or Payment Link pre-authorisation. The indicator tells the payment gateway to process the transaction as a deferred payment. It is intended for use cases where the final amount is not known when the customer begins the payment journey, such as electric-vehicle charging.

Before you begin

You need an existing Checkout or Payment Link integration that can create a PRE-AUTH transaction. Continue to use the standard payment-page redirect, webhook, redirect-back URL, transaction-status, and completion flows for your integration.

This feature does not add a field to the payment page. It does not change the Checkout session response, inquiry response, or post-processor output.

Add the deferred-payment indicator

Set transactionType to PRE-AUTH and send true in order.orderDetails.deferredPayment.

The gateway validates the request and applies the deferred-payment treatment supported by your configuration. A request can still be declined or rejected by the acquirer, issuer, or card-scheme rules.

Checkout request example

Add the indicator to your normal Checkout or Payment Link request. Replace the placeholder values and URLs with values from your integration.

{
  "storeId": "{{storeId}}",
  "merchantTransactionId": "{{uniqueMerchantTransactionId}}",
  "transactionOrigin": "ECOM",
  "transactionType": "PRE-AUTH",
  "transactionAmount": {
    "total": 22.00,
    "currency": "EUR",
    "components": {
      "subtotal": 20.00,
      "vatAmount": 2.00
    }
  },
  "order": {
    "orderDetails": {
      "deferredPayment": true
    }
  },
  "checkoutSettings": {
    "locale": "en_GB",
    "webHooksUrl": "https://merchant.example/payment-webhook",
    "redirectBackUrls": {
      "successUrl": "https://merchant.example/success",
      "failureUrl": "https://merchant.example/failure"
    }
  },
  "paymentMethodDetails": {
    "cards": {
      "authenticationPreferences": {
        "challengeIndicator": "01"
      }
    }
  }
}

Checkout creation response

A successful request creates a Checkout session. Redirect the customer to checkout.redirectionUrl to continue the payment journey.

{
  "checkout": {
    "storeId": "12341457997",
    "checkoutId": "TSmHLn",
    "redirectionUrl": "https://www.checkout-lane.com/#/?checkoutId=TSmHLn"
  }
}

This response confirms only that the Checkout session was created. It is not proof that the pre-authorisation was approved, completed, or settled. Determine the final outcome through your normal redirect, webhook, and transaction-status handling.

Troubleshooting