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[IMP] payment_acquirers: explain the different additional features

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task-2862636

closes odoo/documentation#2082

Signed-off-by: Antoine Vandevenne (anv) <anv@odoo.com>
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Antoine Vandevenne (anv) 2022-05-24 12:35:40 +00:00
parent 8acca3e1ac
commit c820aa4951
5 changed files with 150 additions and 82 deletions
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225
content/applications/finance/payment_acquirers.rst
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@ -52,43 +52,71 @@ the payments that go directly on the bank account and follow the usual reconcili
Online payment acquirers
------------------------
+-------------------------------+----------------------+------------+-----------------+-----------+
| | Payment flow | Save cards | Capture amount | Refund |
| | | | manually | from Odoo |
+===============================+======================+============+=================+===========+
| :doc:`Adyen | Payment from Odoo | |V| | | |V| |
| <payment_acquirers/adyen>` | | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Alipay | Redirection to the | | | |
| <payment_acquirers/alipay>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Authorize.Net | Payment from Odoo | |V| | |V| | |
| <payment_acquirers/authorize>`| | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Buckaroo | Redirection to the | | | |
| <payment_acquirers/buckaroo>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Mollie | Redirection to the | | | |
| <payment_acquirers/mollie>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Ogone | Redirection to the | |V| | | |
| <payment_acquirers/ogone>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`PayPal | Redirection to the | | | |
| <payment_acquirers/paypal>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| PayU Latam | Redirection to the | | | |
| | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| PayUMoney | Redirection to the | | | |
| | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`SIPS | Redirection to the | | | |
| <payment_acquirers/sips>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
| :doc:`Stripe | Redirection to the | |V| | | |
| <payment_acquirers/stripe>` | acquirer website | | | |
+-------------------------------+----------------------+------------+-----------------+-----------+
.. list-table::
:header-rows: 1
:stub-columns: 1
:widths: auto
* -
- Payment flow
- :ref:`Save cards for later <payment_acquirers/features/tokenization>`
- :ref:`Manual capture <payment_acquirers/features/manual_capture>`
- :ref:`Refunds <payment_acquirers/features/refund>`
* - :doc:`Adyen <payment_acquirers/adyen>`
- Payment from Odoo
- |V|
-
- Full and partial
* - :doc:`Alipay <payment_acquirers/alipay>`
- Payment from the acquirer website
-
-
-
* - :doc:`Authorize.Net <payment_acquirers/authorize>`
- Payment from Odoo
- |V|
- Full only
-
* - :doc:`Buckaroo <payment_acquirers/buckaroo>`
- Payment from the acquirer website
-
-
-
* - :doc:`Mollie <payment_acquirers/mollie>`
- Payment from the acquirer website
-
-
-
* - :doc:`Ogone <payment_acquirers/ogone>`
- Payment from the acquirer website
- |V|
-
-
* - :doc:`PayPal <payment_acquirers/paypal>`
- Payment from the acquirer website
-
-
-
* - PayU Latam
- Payment from the acquirer website
-
-
-
* - PayUMoney
- Payment from the acquirer website
-
-
-
* - :doc:`SIPS <payment_acquirers/sips>`
- Payment from the acquirer website
-
-
-
* - :doc:`Stripe <payment_acquirers/stripe>`
- Payment from the acquirer website
- |V|
-
-
.. |V| replace:: ✔
@ -112,6 +140,87 @@ Bank payments
directly. :doc:`Click here <../finance/accounting/receivables/customer_payments/batch_sdd>` for
more information about this payment method.
.. _payment_acquirers/features:
Additional features
===================
Some payment acquirers support additional features for the payment flow. Refer to the :ref:`table
above <payment_acquirers/online_acquirers>` to check if your payment acquirer supports these
features.
.. _payment_acquirers/features/tokenization:
Save cards for later
--------------------
If your payment acquirer supports this feature, customers can choose to save their card details as a
**payment token** in Odoo. When they do, they will not have to enter their card details again when
making a subsequent payment. This is particularly useful for the eCommerce conversion rate and for
subscriptions that use recurring payments.
Enable this feature by navigating to the :guilabel:`Configuration` tab from your payment acquirer
and by ticking the :guilabel:`Allow Saving Payment Methods` checkbox.
.. note::
You remain fully PCI-compliant when you enable this feature because Odoo does not store the card
details directly. Instead, it creates a payment token that only holds a reference to the card
details stored on the payment acquirer's server.
.. _payment_acquirers/features/manual_capture:
Manual capture
--------------
If your payment acquirer supports this feature, you can authorize and capture payments in two steps
instead of one. When you authorize a payment, the funds are reserved on the customer's payment
method but they are not immediately charged. The charge is only made when you manually capture the
payment later on. You can also void the authorization to release the reserved funds; this is
equivalent to a regular cancellation. Capturing payments manually can prove itself useful in many
situations:
- Receive the payment confirmation and wait until the order is shipped to capture the payment.
- Review and verify that orders are legitimate before the payment is completed and the fulfillment
process starts.
- Avoid potentially high processing fees for cancelled payments: payment acquirers will not charge
you for voiding an authorization.
- Hold a security deposit to return later, minus any deductions (e.g., after a damage).
Enable this feature by navigating to the :guilabel:`Configuration` tab from your payment acquirer
and by ticking the :guilabel:`Capture Amount Manually` checkbox.
To capture the payment after it was authorized, go to the related sales order or invoice and click
on the :guilabel:`CAPTURE TRANSACTION` button. To release the funds, click on the :guilabel:`VOID
TRANSACTION` button.
.. note::
- Some payment acquirers support capturing only part of the authorized amount. The remaining
amount can then be either captured or voided. These acquirers have the value **Full and
partial** in the :ref:`table above <payment_acquirers/online_acquirers>`. The acquirers that
only support capturing or voiding the full amount have the value **Full only**.
- The funds are likely not reserved forever. After a certain time, they may be automatically
released back to the customer's payment method. Refer to your payment acquirer's documentation
for the exact reservation duration.
- Odoo does not support this feature for all payment acquirers but some allow the manual capture
from their website interface.
.. _payment_acquirers/features/refund:
Refunds
-------
If your payment acquirer supports this feature, you can refund payments directly from Odoo. It does
not need to be enabled first. To refund a customer payment, navigate to it and click on the
:guilabel:`REFUND` button.
.. note::
- Some payment acquirers support refunding only part of the amount. The remaining amount can then
optionally be refunded too. These acquirers have the value **Full and partial** in the
:ref:`table above <payment_acquirers/online_acquirers>`. The acquirers that only support
refunding the full amount have the value **Full only**.
- Odoo does not support this feature for all payment acquirers but some allow to refund payments
from their website interface.
.. _payment_acquirers/configuration:
Configuration
@ -162,48 +271,6 @@ You can change the payment acquirer's front-end appearance by modifying its name
**Displayed as** field and which credit card icons to display under the **Supported Payment Icons**
field.
.. _payment_acquirers/save_cards:
Save and reuse credit cards
***************************
With the **Save Cards** feature, Odoo can store **Payment Tokens** in your database, which can be
used for subsequent payments, without having to reenter the payment details. This is particularly
useful for the eCommerce conversion rate and subscriptions' recurring payments.
.. _payment_acquirers/capture_amount:
Place a hold on a card
**********************
If you wish to manually capture an amount instead of having an immediate capture, you can enable the
manual capture. Capturing payments manually has many advantages:
- Receive the payment confirmation and wait until the order is shipped to capture the payment.
- Review and verify that orders are legitimate before the payment is completed and the fulfillment
process starts.
- Avoid potentially high credit card fees in the event of overselling or cancelled orders.
The **Capture Amount Manually** field is under the **Configuration** tab. If enabled, the funds are
reserved for a few days on the customer's card, but not charged yet. Please refer to your acquirer's
documentation for the exact reservation duration.
.. image:: payment_acquirers/capture_manually.png
:align: center
:alt: Configuration tab on Odoo
To capture the payment, you must then go to the related sales order or invoice and manually
*capture* the funds before its automatic cancellation, or *void the transaction* to unlock the funds
from the customer's card.
.. image:: payment_acquirers/capture.png
:align: center
:alt: Hold the credit card payment until you capture or revoke it on Odoo
.. note::
Odoo may not yet support the manual capture for all acquirers, but some acquirers allow managing
the capture from their interfaces.
.. _payment_acquirers/countries:
Countries

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content/applications/finance/payment_acquirers/authorize.rst
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@ -42,8 +42,9 @@ Configuration tab
Place a hold on a card
~~~~~~~~~~~~~~~~~~~~~~
With Authorize.net, you can enable the :ref:`manual capture <payment_acquirers/capture_amount>`. If
enabled, the funds are reserved for 30 days on the customer's card, but not charged yet.
With Authorize.net, you can enable the :ref:`manual capture
<payment_acquirers/features/manual_capture>`. If enabled, the funds are reserved for 30 days on the
customer's card, but not charged yet.
.. warning::
After **30 days**, the transaction is **voided automatically** by Authorize.net.

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content/applications/websites/ecommerce/shopper_experience/payment_acquirer.rst
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@ -59,4 +59,4 @@ payment from the related Sales Order.
.. seealso::
- :doc:`../../../finance/payment_acquirers`
- :ref:`Payment Acquirers: Place a hold on a card <payment_acquirers/capture_amount>`
- :ref:`Payment Acquirers: Place a hold on a card <payment_acquirers/features/manual_capture>`