Payment request is a system generated request sent to the payment gateway/authorized financial institution for receiving the payment based on the standing instruction details provided by the customer. These requests are sent in bulk (account number range) to operational entities/banks to make the payment.
The gateway/financial institution then sends response against such request and depending on the received response, payment process is completed.
Generally payment request is generated when merchants (seller) receive payments via the Internet or in situations when a payment is not physically presented to the merchant by the customer (buyer) at the time of the transaction.
Whenever customer pays vie credit card, payment is made by export/import file method in off-line mode and through payment gateways in online mode.
In order to make payment through payment gateway (in online mode), following jobs are scheduled in proper order:
Generate Payment Request - This job is run to generate payment request for the customers having outstanding debit balance.
Process Payment Request - This job is run to send the generated payment requests to the payment gateway in batches for processing.
Process Response Payment Request - After being processed when the response is received from the payment gateways, this job is run to process the payment requests further to make the payment.
In export/import file method following processes are followed to make the payment in off-line mode:
Export Data to File: This job is schedule to send the payment requests (generated by scheduling Generate Payment Request job) to the financial institutions in batches in .csv file format. When response is received from the financial institution further processing is carried out.
Import Payment Request: Depending on the response (failed/success) received from financial institutions, the files are imported to the system to make the payment.