XP Cloud:Delayed Payment Feature

About Delayed Payment

Delayed payment is a feature added in X-Payments Cloud 4.5.0. This feature provides the ability for buyers not to pay for their order at the time of order placement in cases where the exact total amount of the order is not known or is subject to change.

The uncertainty/variability of the order total amount may be due to many reasons; for example, you will not be able to tell the buyer the exact amount in scenarios where:

• the price of some of the products being ordered is not known at the time of order placement;
• the buyer is ordering a quoted service where the final cost is calculated after the order has been placed;
• some of the products being ordered may be replaced later causing the final order total amount to change;
• the shipping cost is calculated separately after order placement;
• the buyer is placing a pre-order.

With Delayed payment, no money actually changes hands at the time of placing an order. What happens is the buyer’s payment card information is saved in a PCI DSS compliant manner so later the merchant can review the order and adjust the order total amount as needed. When that happens, the final order total amount is debited from the buyer’s saved payment card.

Delayed Payment Limitations

At this time, there are some limitations due to which you may be unable to use the Delayed payment feature of X-Payments Cloud:

• Subscription products cannot be paid for using Delayed payment.
• Apple Pay may not be used with Delayed Payment because it prohibits such use cases.

Questions & Answers

Question: What should be the behavior if some particular product is marked as a subscription one and as a "charged later" one at the same time?

Answer: Subscription products cannot be marked as "Delayed payment". See the Delayed Payment Limitations section above.