MB WAY is an asynchronous payment that requests the MB WAY enabled app, associated with the mobile phone number sent within the request, to accept the payment.
Front office operations
The SIBS Gateway supports two types of operations, purchases and authorisations, where the purchase triggers the payment immediately and the authorisation keeps the amount captive until a capture is performed.
Purchase: This transaction allows a Cardholder to pay for a good or service via an electronic operation that debits his account and will credit the Acceptors banking account. Consists in an immediate debit in the Client account and it is an effective payment on the moment of the transaction.
Authorisation: Consists in an authorisation for a future payment. It allows the Merchant to get an authorisation from the Issuer keeping the amount captive in the Cardholders banking account; the transaction is authorised and the purchase will be triggered in a second moment, when the merchant needs to trigger a “Capture” on the Backoffice.
Backoffice operations
At a back-office level, MB WAY supports the following types of operations:
Capture
Used when the Cardholder has provided an authorisation for the payment on a 1st stage and the amount is captured. Used on a 2nd stage to execute the payment, which can happen in different ways (always triggered over an authorisation):
- Full: capture the full amount authorised and finish the purchase;
- Partial: split the capture and do several payments up to the total amount authorised.
Refund
The purpose of this operation is to refund the amount of a previous payment, crediting the Cardholder account and debiting the Merchant account. A refund can be:
- Full: when the total amount of the purchase is refunded to the Cardholder;
- Partial: when a subtotal of the total purchase is refunded to the Cardholder.
Cancellation
Requests the cancellation of the amount (full or partial) of a previous authorisation.
It is possible to establish the relationship below among the Front office & Backoffice operations, having in mind that Backoffice operations will act on the Front office operations:
| Purchase | Authorisation | Capture | |
|---|---|---|---|
| Capture | 1 | ||
| Refund | 4 | 3 | |
| Cancellation | 2 |