PagueloFacil has different methods for transaction processing:
Pre-authorizations: It is an operation that allows to put in temporary retention the amount for which the transaction is made in the credit card, during a determined time that will depend on the issuing bank of the card, to later make the reversal or capture of the funds. The capture may only be for an amount less than or equal to the Pre-authorization, but never for an amount greater than the Pre-authorization.
Capture: Final step of a previously authorized transaction. This is when the credit card account is debited.
Authorization and Capture: Operation where the two previous processes are performed simultaneously. This operation authorizes and debits the amount of the transaction in a single step. This is the most common type of transaction.
Recurring: It is an operation that tokenizes the credit card data with which a transaction was made, to be subsequently reprocessed.
Reverse Authorization: Used to reverse a previously authorized transaction.
Reverse Capture: Used to reverse a previously captured transaction. The reversal can be partial or for the full amount of the transaction. The sum of all partial reversals will not exceed the amount of the captured transaction.
Tokenization: is the process where the most sensitive information of the credit card holder is replaced by a token (code formed by numbers), in this way the real data of the credit card holder remains protected during the online transaction.
3D Secure: Provides the credit card holder with a secure authentication step before they can shop online and consists of including a pin that is delivered at the time of credit card registration in the 'Verified by Visa' or 'MasterCard SecureCode' programs through the card issuing bank. Not all cards currently participate in the 3Ds authentication scheme.