Unscheduled payments with stored card details

Unscheduled payments allow you to pull funds from a customer’s card after an initial transaction. Once you’ve verified the customer’s card, and explicitly captured their consent, you can then pull further funds from their account.

What are some use cases for unscheduled payments?

• Hotel balances: A customer may provide their card details when checking in to a hotel, but will only be charged after they check out, at which point they may have incurred additional charges. This is one of the most common uses of unscheduled payments.

• Automatic balance loading: If a customer needs to stay in debit with your business, for example to top up a mobile phone balance, you may wish to use unscheduled payments to ensure that your customers’ accounts remain topped up. Note that you will need to confirm to the customer the event that will trigger the top-up payment if using unscheduled payments for this use case.

• Delayed fulfillment: If you have a long fulfillment time which exceeds the authorization limit, unscheduled payments are one way to handle the payment at the time of fulfilment without seeking a further authorization from the cardholder

How to use unscheduled payments with Checkout.com

View our documentation for full details of how to set up and submit an unscheduled authorization to our platform, including example requests and responses. If you have any questions – please reach out to your Customer Success Manager who will be happy to assist you.