Delayed non-hybrid APM processing

Non-hybrid payment methods do not require any direct interaction between the shopper and the PSP or financial institution. All activity is self-contained within your website or the Worldpay payment pages.

For example, for the Multibanco payment method, where the shopper has a unique code representing a monetary value, the shopper can do one of the following:

In the direct model, type the code on your website

In the redirect model, type the code on the Worldpay payment pages

With delayed non-hybrid APMs, there is a delay from the end of the shopper payment journey to the payment being authorised. Depending on the payment method used, the payment remains in the SHOPPER_REDIRECTED status for a number of hours or days.

The payment delay can result from number of factors such as:

The payment involves additional actions that must be completed offline. For example, if the shopper uses a voucher payment method, they might have to withdraw cash and settle the voucher at an outlet.

The PSP receive notification from the outlet at which the shopper makes the payment a few hours after the payment has been made.

The online bank at which the shopper makes the payment can only authorise payments during working hours.

The PSP payment process for delayed non-hybrid APMs is shown in the following figure.

PSP Payment Process for Delayed Non-Hybrid APMs

The payment status on the MI continues to show SHOPPER_REDIRECTED and the shopper is redirected to the pending URL.

After the shopper completes the additional payment steps, the PSP authorises the payment and sends a pay-in notification to Worldpay. The Worldpay Payment service receives the pay-in notification, after which the payment status on your MI changes from SHOPPER_REDIRECTED to AUTHORISED. The Worldpay Payment service then notifies you about the successful payment.

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