Disputeless > Delayed and installment Collection

Delayed and installment Collection

For refundable and non-refundable prepaid bookings, made by credit card, there is the possibility of choosing between delayed or installment collection, setting the "collectionType" parameter with "DELAYED" or "INSTALLMENT" in the Reservation API (POST /reservations).

Delayed collection

When you decide to proceed with a booking via delayed collection, a 28-day pre-authorisation is made, at the end of which, if the pre-authorized amount is not accounted, it will be automatically canceled.

Delayed collection maintains the booking settings in terms of communication and terms and conditions.

By using the delayed collection type, the reservation is by default enabled for the possibility of incremental operations, always if supported by the circuit rules.

When the merchant cancels or reverses a reservation with delayed collection, an email will be sent to the cardholder to notify the cancellation of the pre-authorization. If the canceled transaction is also multi-currency, the multi-currency cancellation / reversal email will also be sent.

XPay will send an email to the merchant with the booking details 2 days before the pre-authorization expiration to report the imminent expiration.

The email address to which the merchant will receive the notice is the email associated with the structure of the transaction code.

Installment Collection

By choosing installment collection, the merchant can indicate the deferrals on which to divide the payment of the total amount of the reservation.

The choice of the installment collection type requires the merchant to indicate the total amount of the reservation and the installments, from 2 to 12, on which to divide the payment.

The installments must comply with the following conditions:

The first installment must have an amount equal to the amount of the transaction.
The date of the first installment must not be indicated, even if present, the date of the payment made by the cardholder will be considered.
The sum of the installments must correspond to the total amount of the reservation.
An installment payment date cannot be specified prior to the current date and each installment must be subsequent to the previous one.
The installments must be indicated in order of payment date.
The date of the last installment cannot be later than the booking start date.
The last installment may be indicated as to be paid at the facility.
In the case of Pay-By-Link, the second installment must be after the expiry of the link.

By paying for a reservation that provides for future deferments, a contract will be created associated with the card used by the user at the time of payment to be used for payment of installments.

The contract, unless otherwise specified by the merchant on call, may not be used to make recurrences other than payment of installments.

As an installment plan is activated, each installment, on the due date, will be paid by automatic XPay procedures. These procedures, on a daily basis, will select the installments to be paid on the day to the exclusion of plans for which a default has previously occurred.