Recurring card transaction

Depending on your business needs, CentralPay offers several recurring transaction modes:

• Subscription from a subscription template
  CentralPay manages the collection of instalments based on a subscription template that you defined in advance.
• API-driven subscription
  You manage the collection of each instalment yourself via API (initial BRW authentication, then 3RI), without using CentralPay’s automated subscription service.
• Installment payment
  CentralPay splits an amount due into several transactions and manages their collection, according to the payment terms you provided.

Please note: you must first manage the collection of your customer’s card data by creating a Custom Form payment form, create a Customer profile for this customer, and implement the 3DS 2.2 authentication principles.

The basic principles of a card transaction are described in the general information section.

For a recurring payment, your customer automatically receives an email containing the details of their instalments. This email also includes a link to our Customer Portal, which allows them to view the status of their recurring payments, change their bank card, and cancel a subscription if needed.

1. Subscription from a subscription template

1.1. Creation

You must first:

• Create a Custom Form payment form
• Create a Customer containing at least one Card
• And perform a 3DS 2.2 BRW authentication

Then, the subscription service (Subscription) will allow you to easily initiate a subscription payment based on a subscription template created in advance via the CentralPay API or the Merchant Portal.

1.2. Specific integration cases

• If the first subscription payment must be higher than the following instalments (e.g., registration fees), you can first initiate a Transaction following your 3DS BRW authentication, then set a start date (startingDate) in the Subscription object.
• If you simply want to start a subscription on a specific date, you can first perform a verified card imprint following your 3DS BRW authentication, then set a start date (startingDate) in the Subscription object.

2. API-driven subscription

2.1. Creation

You must first:

• Create a Custom Form payment form
• Create a Customer containing at least one Card
• Perform a 3DS 2.2 BRW authentication
• Perform an initial Transaction

Then, you will be able to initiate the next Transactions yourself using 3DS 3RI authentication.

2.2. Important information

• To ensure an optimal conversion rate, the amount of the first transaction must be greater than or equal to the amounts of subsequent transactions performed with 3DS 3RI authentication.
• The CentralPay platform will not consider the generated transactions as “subscriptions”; therefore, the “Merchant Portal” and “Customer Portal” interfaces will display these operations in the same way as a succession of one-off transactions.
• With this model, the retry automation system will not apply if the collection of one of your transactions fails.

3. Installment payment

3.1. Creation

You must first:

• Create a Custom Form payment form
• Create a Customer containing at least one Card
• And perform a 3DS 2.2 BRW authentication

Then, the installment payment service (Installment) will allow you to easily initiate an installment payment based on the information provided in your request.