Payment Processing Stages

the payments in upstart commerce are centralized within the payment processing service (psp) from the initial payment setup to post order actions like refunds, everything happens in one streamlined location, making your life easier and keeping your customers happy key stages set payment this is where your customer establishes their payment identity they enter and confirm their desired payment method, whether it's a credit card, debit card, or digital wallet like paypal upstart commerce validates the information, ensuring a secure and seamless start authorization a request for authorization from your chosen psp is sent the psp works its magic, verifying the payment details and checking with the issuing bank if everything checks out, the funds are held, and ready for capture capture once your order is confirmed, it's time to claim those authorized funds a capture request to the psp is sent and the authorized amount is transferred from your customer's account to yours, marking the successful completion of the payment reverse sometimes, things change before capturing the funds, you can reverse the authorization if needed this cancels the transaction and releases the held funds back to your customer, ensuring a smooth change of plans refund you can easily refund your customer the refunded amount is credited back to their original payment method