Advanced orders Payment rules and target states

Payment actions and credit actions are determined in terms of current-to-target state transitions. Payment rules define what target state a payment should be in by defining the actions needed to move a payment from its current state to the desired target state. In a Payment Plug-in Controller context, payment actions and credit actions are considered "financial transactions."

During event-driven payments processing, for each business event, payment rules are read to find the payment actions required to achieve the desired target state for the payment amount.

In effect, these business events are translated to event-driven payments events (requests).

The following table summarizes the combinations of target states that exist for payment rules. Some of these combinations might not be allowed by law in some geographies. If you are uncertain as to what combination to use in your geography, check with your contact for the payment back-end system. You can also refer to the related topic on typical payment rules.

Note: Because the event called storeAndValidatePayment does not have configurable actions, it is not listed in the following table.

Although no payment action occurs during order capture when the target state is DNE, payment instructions are still validated.

Payment rule name
(as provided)
prime-Payment event (at order capture) reserve-Payment event (at release to fulfillment) finalize-Payment event (at shipping) Description
No Validation or Reservation DNE DNE DEPOSITED

Do not check to see if customer has funds at order capture, do not reserve funds before releasing to fulfillment; only deposit at shipping.

Typically applies to: electronic check (Automated Clearing House, ACH) transactions.

No Validation with Approval on Reservation DNE APPROVED DEPOSITED Do not check to see if customer has the funds at order capture, but reserve funds before releasing to fulfillment and deposit payment at shipping.

Typically applies to: credit card transactions.

No Validation with Deposit at Reservation DNE DEPOSITED DEPOSITED Do not check to see if customer has funds at order capture, but deposit payment at release to fulfillment or at shipping.

Typically applies to: electronic check (ACH) transactions.

Early approval APPROVED APPROVED DEPOSITED Check to see that customer has funds to pay for the order when the order is captured; that is, validate the payment at the earliest opportunity.

Typically applies to: Credit card transactions.

Validation with Deposit at Reservation APPROVED DEPOSITED DEPOSITED Check to see that the customer has funds to pay for the order when it is captured, and ensure that deposits occur at release to fulfillment.

Typically applies to: Credit card transactions.

Early Deposit DEPOSITED DEPOSITED DEPOSITED Deposit funds as soon as possible - at order capture or at release to fulfillment.

Typically applies to: electronic check (ACH) transactions.

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