[IMP] payment_acquirers: explain the different additional features
task-2862636 closes odoo/documentation#2082 Signed-off-by: Antoine Vandevenne (anv) <anv@odoo.com>
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@ -52,43 +52,71 @@ the payments that go directly on the bank account and follow the usual reconcili
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Online payment acquirers
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------------------------
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| | Payment flow | Save cards | Capture amount | Refund |
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| | | | manually | from Odoo |
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+===============================+======================+============+=================+===========+
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| :doc:`Adyen | Payment from Odoo | |V| | | |V| |
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| <payment_acquirers/adyen>` | | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Alipay | Redirection to the | | | |
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| <payment_acquirers/alipay>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Authorize.Net | Payment from Odoo | |V| | |V| | |
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| <payment_acquirers/authorize>`| | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Buckaroo | Redirection to the | | | |
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| <payment_acquirers/buckaroo>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Mollie | Redirection to the | | | |
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| <payment_acquirers/mollie>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Ogone | Redirection to the | |V| | | |
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| <payment_acquirers/ogone>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`PayPal | Redirection to the | | | |
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| <payment_acquirers/paypal>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| PayU Latam | Redirection to the | | | |
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| | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| PayUMoney | Redirection to the | | | |
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| | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`SIPS | Redirection to the | | | |
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| <payment_acquirers/sips>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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| :doc:`Stripe | Redirection to the | |V| | | |
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| <payment_acquirers/stripe>` | acquirer website | | | |
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+-------------------------------+----------------------+------------+-----------------+-----------+
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.. list-table::
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:header-rows: 1
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:stub-columns: 1
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:widths: auto
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* -
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- Payment flow
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- :ref:`Save cards for later <payment_acquirers/features/tokenization>`
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- :ref:`Manual capture <payment_acquirers/features/manual_capture>`
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- :ref:`Refunds <payment_acquirers/features/refund>`
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* - :doc:`Adyen <payment_acquirers/adyen>`
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- Payment from Odoo
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- |V|
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-
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- Full and partial
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* - :doc:`Alipay <payment_acquirers/alipay>`
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- Payment from the acquirer website
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-
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-
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-
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* - :doc:`Authorize.Net <payment_acquirers/authorize>`
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- Payment from Odoo
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- |V|
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- Full only
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-
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* - :doc:`Buckaroo <payment_acquirers/buckaroo>`
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- Payment from the acquirer website
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-
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-
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-
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* - :doc:`Mollie <payment_acquirers/mollie>`
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- Payment from the acquirer website
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-
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-
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-
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* - :doc:`Ogone <payment_acquirers/ogone>`
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- Payment from the acquirer website
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- |V|
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-
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-
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* - :doc:`PayPal <payment_acquirers/paypal>`
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- Payment from the acquirer website
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-
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-
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-
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* - PayU Latam
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- Payment from the acquirer website
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-
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-
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-
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* - PayUMoney
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- Payment from the acquirer website
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-
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-
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-
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* - :doc:`SIPS <payment_acquirers/sips>`
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- Payment from the acquirer website
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-
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-
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-
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* - :doc:`Stripe <payment_acquirers/stripe>`
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- Payment from the acquirer website
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- |V|
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-
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-
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.. |V| replace:: ✔
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@ -112,6 +140,87 @@ Bank payments
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directly. :doc:`Click here <../finance/accounting/receivables/customer_payments/batch_sdd>` for
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more information about this payment method.
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.. _payment_acquirers/features:
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Additional features
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===================
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Some payment acquirers support additional features for the payment flow. Refer to the :ref:`table
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above <payment_acquirers/online_acquirers>` to check if your payment acquirer supports these
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features.
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.. _payment_acquirers/features/tokenization:
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Save cards for later
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--------------------
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If your payment acquirer supports this feature, customers can choose to save their card details as a
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**payment token** in Odoo. When they do, they will not have to enter their card details again when
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making a subsequent payment. This is particularly useful for the eCommerce conversion rate and for
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subscriptions that use recurring payments.
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Enable this feature by navigating to the :guilabel:`Configuration` tab from your payment acquirer
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and by ticking the :guilabel:`Allow Saving Payment Methods` checkbox.
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.. note::
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You remain fully PCI-compliant when you enable this feature because Odoo does not store the card
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details directly. Instead, it creates a payment token that only holds a reference to the card
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details stored on the payment acquirer's server.
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.. _payment_acquirers/features/manual_capture:
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Manual capture
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--------------
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If your payment acquirer supports this feature, you can authorize and capture payments in two steps
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instead of one. When you authorize a payment, the funds are reserved on the customer's payment
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method but they are not immediately charged. The charge is only made when you manually capture the
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payment later on. You can also void the authorization to release the reserved funds; this is
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equivalent to a regular cancellation. Capturing payments manually can prove itself useful in many
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situations:
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- Receive the payment confirmation and wait until the order is shipped to capture the payment.
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- Review and verify that orders are legitimate before the payment is completed and the fulfillment
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process starts.
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- Avoid potentially high processing fees for cancelled payments: payment acquirers will not charge
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you for voiding an authorization.
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- Hold a security deposit to return later, minus any deductions (e.g., after a damage).
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Enable this feature by navigating to the :guilabel:`Configuration` tab from your payment acquirer
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and by ticking the :guilabel:`Capture Amount Manually` checkbox.
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To capture the payment after it was authorized, go to the related sales order or invoice and click
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on the :guilabel:`CAPTURE TRANSACTION` button. To release the funds, click on the :guilabel:`VOID
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TRANSACTION` button.
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.. note::
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- Some payment acquirers support capturing only part of the authorized amount. The remaining
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amount can then be either captured or voided. These acquirers have the value **Full and
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partial** in the :ref:`table above <payment_acquirers/online_acquirers>`. The acquirers that
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only support capturing or voiding the full amount have the value **Full only**.
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- The funds are likely not reserved forever. After a certain time, they may be automatically
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released back to the customer's payment method. Refer to your payment acquirer's documentation
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for the exact reservation duration.
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- Odoo does not support this feature for all payment acquirers but some allow the manual capture
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from their website interface.
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.. _payment_acquirers/features/refund:
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Refunds
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-------
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If your payment acquirer supports this feature, you can refund payments directly from Odoo. It does
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not need to be enabled first. To refund a customer payment, navigate to it and click on the
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:guilabel:`REFUND` button.
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.. note::
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- Some payment acquirers support refunding only part of the amount. The remaining amount can then
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optionally be refunded too. These acquirers have the value **Full and partial** in the
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:ref:`table above <payment_acquirers/online_acquirers>`. The acquirers that only support
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refunding the full amount have the value **Full only**.
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- Odoo does not support this feature for all payment acquirers but some allow to refund payments
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from their website interface.
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.. _payment_acquirers/configuration:
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Configuration
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@ -162,48 +271,6 @@ You can change the payment acquirer's front-end appearance by modifying its name
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**Displayed as** field and which credit card icons to display under the **Supported Payment Icons**
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field.
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.. _payment_acquirers/save_cards:
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Save and reuse credit cards
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***************************
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With the **Save Cards** feature, Odoo can store **Payment Tokens** in your database, which can be
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used for subsequent payments, without having to reenter the payment details. This is particularly
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useful for the eCommerce conversion rate and subscriptions' recurring payments.
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.. _payment_acquirers/capture_amount:
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Place a hold on a card
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**********************
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If you wish to manually capture an amount instead of having an immediate capture, you can enable the
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manual capture. Capturing payments manually has many advantages:
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- Receive the payment confirmation and wait until the order is shipped to capture the payment.
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- Review and verify that orders are legitimate before the payment is completed and the fulfillment
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process starts.
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- Avoid potentially high credit card fees in the event of overselling or cancelled orders.
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The **Capture Amount Manually** field is under the **Configuration** tab. If enabled, the funds are
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reserved for a few days on the customer's card, but not charged yet. Please refer to your acquirer's
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documentation for the exact reservation duration.
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.. image:: payment_acquirers/capture_manually.png
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:align: center
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:alt: Configuration tab on Odoo
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To capture the payment, you must then go to the related sales order or invoice and manually
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*capture* the funds before its automatic cancellation, or *void the transaction* to unlock the funds
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from the customer's card.
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.. image:: payment_acquirers/capture.png
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:align: center
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:alt: Hold the credit card payment until you capture or revoke it on Odoo
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.. note::
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Odoo may not yet support the manual capture for all acquirers, but some acquirers allow managing
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the capture from their interfaces.
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.. _payment_acquirers/countries:
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Countries
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@ -42,8 +42,9 @@ Configuration tab
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Place a hold on a card
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~~~~~~~~~~~~~~~~~~~~~~
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With Authorize.net, you can enable the :ref:`manual capture <payment_acquirers/capture_amount>`. If
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enabled, the funds are reserved for 30 days on the customer's card, but not charged yet.
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With Authorize.net, you can enable the :ref:`manual capture
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<payment_acquirers/features/manual_capture>`. If enabled, the funds are reserved for 30 days on the
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customer's card, but not charged yet.
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.. warning::
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After **30 days**, the transaction is **voided automatically** by Authorize.net.
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@ -59,4 +59,4 @@ payment from the related Sales Order.
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.. seealso::
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- :doc:`../../../finance/payment_acquirers`
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- :ref:`Payment Acquirers: Place a hold on a card <payment_acquirers/capture_amount>`
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- :ref:`Payment Acquirers: Place a hold on a card <payment_acquirers/features/manual_capture>`
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