Capture at the bank
Once a day, the payment gateway sends the acquirer files containing the debit and credit transactions (refunds) to be captured at the bank.
Card verification transactions are not captured at the bank.
Depending on the volume of transactions to be remitted, the payment gateway can generate multiple captures for a single capture date.
The capture files are sent in the evening, between 10:30 pm and 2 am Paris time.
The acquirer processes the capture files (pre-clearing phase) and then sends a clearing file to each issuer in order to finalize the transaction.
The amounts are then paid into the accounts of the various payment actors:
- From the buyer to the merchant for debit transactions
- From the merchant to the buyer for credit transactions (refunds)
Processing times may vary depending on the acquirer or card issuer.
The merchant can view the capture details in their Merchant Back Office (Management > Transactions menu, Captures tab.