Transaction Management

Welcome to the Transaction Management section.

In the Transaction manual, you'll find comprehensive guidance on understanding transaction details in the transaction module and instructions on performing various actions.

Types of Transactions

Transaction types differ depending on the integration method chosen by each merchant. Each type carries its own significance and repercussions, influencing financial records and customer relations.

It's important for users of Vendo Backoffice users to understand each transaction type because it helps to manage tasks efficiently, track when payments are made, and effectively deal with billing questions from your customers.

Difference Between an Upgrade and a Change Offer

An "Upgrade" transaction is primarily used to convert trial subscriptions into full subscriptions. This can happen automatically at the end of a trial period, transitioning the customer to a full subscription without additional action. However, there is also an "Instant Upgrade," which occurs when a customer initiates the upgrade during the trial period to access content not included in the trial. This instant upgrade is driven by the customer’s desire for immediate access to additional features or content.

On the other hand, a "Change Offer" transaction (considered a rebill) is used to modify the terms of an existing membership, such as changing the subscription duration or price. For example, a change offer might include a link for customers to upgrade from a monthly to a yearly subscription or downgrade from a yearly to a monthly one. This allows customers to adjust their subscription to better suit their needs.

Both upgrade and change offer transactions serve distinct purposes in managing memberships and providing customers with options to tailor their subscriptions.

Difference between pre-authorization, capture and verification

• A pre-authorization on a card, also known as a pre-auth or authorization hold, is a process where a specific amount of funds is temporarily reserved on a customer's credit or debit card. This ensures that the card is valid and that there are sufficient funds or credit available to complete a transaction at another time in the future.
• A card capture is a process that follows payment authorization. At this stage, the transaction is completed, and the funds are deducted from the customer's account. A capture can happen with or without a pre-auth.
• Verification refers to the process of confirming the customer’s identity and/or payment details. This process helps to ensure the legitimacy of the transaction and reduces the risk of fraud. There are several types of verification methods used in different payment systems, e.g. 3DS, phone verification, Captcha, etc.

The difference between a verification versus authorization

Verification and authorization are two crucial steps in processing a payment, with each serving different purposes to ensure the transaction's legitimacy and security.

When the customer pays with their credit card, both 3DS verification and S2S Payment Authorization need to occur. Payment capture occurs during the S2S Payment and 3DS Verification confirms that the user is the rightful owner of the credit card. Passing the 3DS Verification process does not guarantee that the credit card has sufficient funds to cover the transaction. In other words, verification can be successful, but S2S Payment still fail (the user will be never charged) if there are insufficient funds.

When the customer pays with PIX, crypto or Pay by Bank, the 3DS Verification process also captures the payment. In such cases, there's no need for the S2S transaction. However, for consistency in reporting, it's still necessary to create an S2S payment.

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NOTE

For hosted pages, PIX, Crypto or Pay by Bank don’t have verification. We directly create the Signup transaction on S2S because we need the end-user present to connect to their bank (PIX or Pay by Bank) or their virtual wallet (Crypto).

Failed Payment Errors

When a transaction fails, it's crucial for merchants to promptly investigate the issue by checking the error message associated with the failed transaction. Addressing failed payment errors quickly enhances operational efficiency and boosts customer satisfaction.

Repurchased vs Reactivated

The transaction type "Repurchase Sign-up" refers to a customer renewing an expired membership. This repurchase is a 1-click transaction, enabling users to easily "reactivate" their expired subscriptions. Merchants can utilize this transaction type via the Vendo Customer Portal or in email campaigns.

Reactivation is an action taken by the customer, allowing them to reverse a subscription cancellation, provided the subscription has not yet expired.