Finix's Card Not Present (CNP) Gateway uses Authorization and Captures to send Transactions on the WorldPay eCommerce platform.
When an Authorization is created it creates an Authorization resource (AUxxxx) with either a success or failure from the processor and issuing banks. This process is nearly instantaneous as it is API based.
When a customer decides to capture the Authorization (AUxxxx), there is a corresponding Transfer (TRxxx) that is created in our system.
Once the Transfer is created, we send the information to WorldPay to be captured. This process is not instantaneous because it is batched based and involves FInix sending XML files to an SFTP Folder.
Approximately every 5-15 minutes, we send Captures, Merchant boarding information, and Funding instructions through our batch system to WorldPay. In addition, it takes us a few minutes to parse the XML responses and turn it back into a RESTFUL API state of SUCCEEDED.
During peak loads, especially during settlements, the amount of time it takes to send the information may be longer than 15 minutes.
End to end, Transfers generally take between 5 - 25 minutes to be processed from a Pending to a Succeeded state.
Reversing a transaction with a state of Pending
When an Authorization is captured, the batch process begins and we start preparing to send the capture to WorldPay.
However, a customer might decide to want to refund a Transfer within seconds of choosing to capture it. If the Transfer has not yet been sent to Worldpay, the original Transfer will enter a state of "canceled" with a corresponding Reversal in a state of "succeeded".
If the original transfer has already been sent to Worldpay, both the Transfer and its corresponding Reversal will be settled the next day.