Liability shift for payment upon shipment

A payment guarantee, also known as liability shift, is a commitment by the cardholder's bank to cover you in the event of non-payment (fraudulent reason) for a transaction.

In case of payment upon shipment, you have up to 180 days to trigger the shipment transactions associated with the initial transaction.

If the transaction is carried out on the CB scheme, the payment guarantee automatically applies for 30 days after the order is placed. This principle does not apply to other schemes.

After 30 days, the payment guarantee is no longer valid.

After 180 days, the initial transaction expires.

Example:

D0: The buyer orders 3 products and pays for them. The gateway performs 3D Secure authentication on the total amount of the order and an information request. The card issuer generates a unique transaction identifier and transmits it in the response to the registration request.

D+3: You create a shipment transaction to issue an invoice and trigger shipment of product N°1. The gateway sends an authorization request for the corresponding amount, linking it to the initial transaction ID. If the buyer has paid via the CB network, the payment guarantee applies.

D+20: You create a new shipment transaction to issue an invoice and trigger shipment of product N°2. The gateway sends an authorization request using the unique transaction identifier. If the buyer has paid with a credit card, the payment guarantee applies because the shipment takes place within the 30-day eligibility period.

D+80: You create a last shipment transaction to issue an invoice and trigger shipment of the last product. The gateway sends an authorization request using the unique transaction identifier. The shipment remains within the 180-day period, so the original transaction is still valid. However, the payment guarantee no longer applies.

After 180 days, it is no longer possible to create a shipment transaction based on the initial transaction.