This delayed payment flow allows businesses to secure customer approval upfront while charging the final amount only after the service or product is completed.
It is especially useful for variable pricing scenarios like fresh goods, delivery adjustments, or services where the final cost is determined later.
The process combines an initial authorization with a flexible follow-up charge, including options for partial capture or full release within a defined timeframe.
Unlike standard payments, this model provides greater control over final billing, supports multiple payment methods, and adapts to real-world transaction changes without losing the original approval.
The process begins by creating a payment form and receiving customer authorization without an immediate charge, followed by a confirmation step and status updates.
Once the final amount is known, the payment is completed by capturing the approved funds within the allowed timeframe.
Flexible Payment Framework:
J5J4 for Dynamic Transactions
Discover the versatility of the J5 framework by Grow Systems, offering flexibility for businesses dealing with variable charges. Ideal for billing products or services where the final sum may vary until the card is charged or the transaction is concluded.
For instance:
Products with variable weight (vegetables or meat), or products that the total cost is determined at the end of the service / product delivery.
Permission and Approval:
○ Working with delayed payment (J5) requires prior approval and permission from Grow.
○ Unauthorized usage will result in an error message.
Time Limit:
○ J5 transactions have a timeframe of up to 7 days.
Key Features:
● Partial Release and Invoice Details:
○ Release part of the money from J5 as needed (You can release any sum from the frame catch).
○ Customize invoice details for better record-keeping.
Handling Customer Regret:
● In case the J4 transaction doesn't occur, you can release J5 by performing a J4 transaction and an immediate refund.
● If no J4 transaction is made, J5 will automatically release after 10 days.
Customer Authorization for Payment Release (J4 J5):
● When customers input credit card details, no charge is made initially. Only a confirmation is received from the credit card company, with funds limited in the credit limit.
● To charge the credit card (executing J4), use the method and send the amount for release.
Important Notes :
- Invoice Customization during J5 Request:
- While sending a J5 request, you have the option to add items to the invoice.
- When releasing the transaction, you can modify invoice details, overriding the previously saved information.
- If you want to cancel a frame capture in a bit, you can do it through the call -cancel of a bit transaction
The flow is as follow:
