---
title: "Card"
canonical: "https://bizcore.refined.site/space/BCKB/1851555841/Card"
format: markdown
---
> Macro (toc)

# **Card Payment Flow**

## **Scheduled Card Payment Process**

> ✅ <u>**PAID Example Transaction Details**</u>
> ✅ 
> ✅ Scheduled for: **01/06**  
> ✅ Amount: **$100.00**  
> ✅ Transaction Fee: **$0.40 + 2.5%** (Paid by customer - added to amount)

| **Date/Time (AEST)** | **Transaction Status** | **Amount** | **Process** | **Notes** |
| --- | --- | --- | --- | --- |
| 31/05 - *23:59* | - | $100.00 | - | A scheduled payment is waiting for the transaction creation process to find it.<br>At this time, the scheduled payment details can be edited. |
| 01/06 - *Preferred Transaction Time* | Pending | $102.90 | A transaction is created based on the scheduled payment details. | The transaction can be cancelled by a user at while in the Pending status. The amount and date cannot be changed. |
| 01/06 - *Immediate* | Processing | $102.90 | Requesting payment through the card provider. | Transactions are locked and unable to be cancelled. |
| 01/06 - *Immediate* | Debit Complete | $102.90 | Transaction marked as successful. |  |
| 03/06 - *09:00 - Settlement Payout date/time that is at least 48 hours after the card transaction time* | Processing Credit | $100.00 | Outgoing ABA file generated. | This file contains your total Settlement Payout which is reviewed before transferring the Settlement Payout. |
| 03/06 - *09:00 - 10:30* | Complete | $100.00 | Outgoing ABA file uploaded to the bank which transfers your total Settlement Payout. | Funds should land in your account on the same day (but allow 48 hours). |

## **Once-off Card Payment Process**

A once-off card payment can be processed by either:

- Customer enters card payment details on Payment Gateway
- User requests once-off payment on the Payment Agreement record
- Triggered via API request when integrated

> ✅ <u>**PAID Example Transaction Details**</u>
> ✅ 
> ✅ Scheduled for: **Now**  
> ✅ Amount: **$100.00**  
> ✅ Transaction Fee: **$0.40 + 2.5%** (Paid by customer - added to amount)

| **Date/Time (AEST)** | **Transaction Status** | **Amount** | **Process** | **Notes** |
| --- | --- | --- | --- | --- |
| Now | - | $100.00 | Payment initiated. | Transactions process cannot be stopped. |
| Now | Pending | $102.90 | A transaction is created based on the payment amount. |  |
| Now | Processing | $102.90 | Requesting payment through the card provider. |  |
| Now | Debit Complete | $102.90 | Transaction marked as successful. |  |
| *09:00 - Settlement Payout date/time that is at least 48 hours after the card transaction time* | Processing Credit | $100.00 | Outgoing ABA file generated. | This file contains your total Settlement Payout which is reviewed before transferring the Settlement Payout. |
| *09:00 - 10:30* | Complete | $100.00 | Outgoing ABA file uploaded to the bank which transfers your total Settlement Payout. | Funds should land in your account on the same day (but allow 48 hours). |