Late payment authorisations

Late authorization occurs when a payment is disrupted due to network issues or technical errors at either the investor's or bank's end. This can result in uncertainty about whether money was debited from the investor's bank account, as the payment provider doesn't receive confirmation from the bank.

Razorpay handling of Late authorised payments:

To manage late authorizations, Razorpay waits for 10 minutes to receive status updates from the bank. If no response is received within this time, Razorpay marks the payment as failed due to timeout. However, if the bank authorizes the payment after Razorpay has marked it as failed, Razorpay moves the payment from failed to success and notifies Fintech Primitives about the payment status change. For such cases, FP initiates the refund for these late authorised payments and does not change the payment status. This refund is essential to maintain the integrity of the payment status and ensure accurate communication with users regarding payment statuses.

Tracking Late Authorized Payments

Late authorised payments can be tracked either via FP dashboard or via Fetch Payment API:

• Via APIs(Sandbox only): In the Fetch Payment , you will be able to see the following new parameters which will help you in providing the details to your investors.

Below is an example of a truncated Fetch payment JSON response showing only the late auth and refund parameters:

{

    "late_auth": true,
    "refund_reference": "rfnd_NPC5uKsdkfF",
    "refund_reason": "late_authorization",
    "refund_status": "SUCCESSFUL",
    "refund_created_at": "2024-01-16T12:31:28+05:30",

}

• Via Dashboard: For late authorsied payments, in the dashboard, you will see "late authorised" flag as true and you will be able to see refund details as well. You can use these details to inform your investors about the refund status.

Please note that for late authorised Mandate authorisation payments, refund parameters are not present as there is no money involved.

Simulating late authorised payments in sandbox:

To simulate payment as late authorised in sandbox, following the steps:

1. Create payment using Create payment and open the token_url received in the response in a browser and do not mark the payment as success yet.
2. Mark the payment as failed using the payment simulation
3. Now mark the payment as successful in the token_url opened in step 1. This should mark the payment as late authorised payment.