Money transfer

Overview

Money transfer is a payment type which uses one request to initiate debiting funds from the sender and subsequently crediting these funds to the recipient. Money transfers can be sent from one customer to another as well as between the different payment instruments of the same customer. Different payment instruments can be used for debiting and crediting, and the merchant always acts as a provider of the service for such transfers.

Processing of this payment type is available via Gate.

The payment workflow

You initiate a money transfer by sending a money_transfer request to the payment platform. Once the payment platform receives the request, it creates and then consecutively executes the following operations:

  • A sale operation which results in debiting the payment instrument of the sender. If at this stage the operation sale is declined, then crediting the recipient's card is declined as well.
  • A payout operation which results in crediting the payment instrument of the recipient. If at this stage the operation payout is declined, the payment platform automatically initiates a cancellation of the sale operation (i.e. a reversal or refund operation).

Depending on the payment instruments used by the sender and the recipient, sending an additional request may be required if, for example, the 3‑D Secure authentication of the customer is needed (for more detailed information on the 3‑D Secure authentication, see 3‑D Secure authentication). However, keep in mind that the procedure of submitting additional information is not allowed for this payment type. To avoid declined payments, make sure that all required and recommended parameters are included in the initial money transfer request.

Figure 1. State diagram for money transfer

Below you can find all possible statuses of a money transfer and operations related to it. For more detailed information on money transfer processing, see Money transfers.

Payment statuses

The following table contains the statuses of a money transfer.

error Error occurred when request processing. Payment is not performed. Final status. The request can be resent with the same payment identifier.
processing Payment is being processed. Intermediate status
awaiting 3ds result Payment processing is suspended until the web service submits a 3ds_result request with the authentication result. If the payment platform does not receive this request within 30 minutes, then the payment status is set to decline. Intermediate status
awaiting redirect result Payment processing is suspended until a notification about the result of payment processing on the payment system’s side is received. Depending on the result on the payment system’s side, the payment status is set to success or decline.

For a single payment, either the awaiting redirect result status or the awaiting customer action status can be used, but not both.

 Intermediate status
awaiting customer action Payment processing is suspended until the customer completes the required actions on the payment system’s side (in accordance with the specifics of the payment method). Depending on the result on the payment system’s side, the payment status is set to success or decline.

For a single payment, either the awaiting redirect result status or the awaiting customer action status can be used, but not both.

 Intermediate status
decline Payment has not been completed because debiting of funds was declined. Final status
reversed The crediting of funds was declined and debited amount was returned to the sender before the end of the processing day. Final status
refunded The crediting of funds was declined and debited amount was returned to the sender after the end of the processing day. Final status
success Payment has been completed. Final status

Statuses of the sale operation

The following table contains the statuses of the sale operation.

processing Operation is being processed. Intermediate status
awaiting redirect result Operation processing is suspended until a notification about the result of payment processing on the payment system’s side is received. Depending on the result on the payment system’s side, the payment status is set to success or decline. Intermediate status
awaiting customer action Operation processing is suspended until the customer completes the required actions on the payment system’s side (in accordance with the specifics of the payment method). Depending on the result on the payment system’s side, the payment status is set to success or decline. Intermediate status
awaiting 3ds result Operation processing is suspended until the web service submits a 3ds_result request with the authentication result. If the payment platform does not receive this request within 30 minutes, then the operation status is set to decline. Intermediate status
decline Operation has not been completed. Final status
success Operation has been completed. Final status

Statuses of the payout operation

The following table contains the statuses of the payout operation.

processing Operation is being processed. Intermediate status
decline Operation has not been completed. Final status
success Operation has been completed. Final status

Statuses of the reversal and refund operation

The following table describes the statuses of the reversal and refund operations.

processing Operation is being processed. Intermediate status
decline Operation has not been completed. Final status
success Operation has been completed. Final status