Payments (cards)

Comprehensive guide to card payment processing patterns including one-time payments, manual capture, 3DS authentication, and recurring payment flows.

Juspay Hyperswitch provides flexible payment processing with multiple flow patterns to accommodate different business needs. The system supports one-time payments, saved payment methods, and recurring billing through a comprehensive API design.

Integration Path

Client-Side SDK Payments (Tokenise Post Payment)

Refer to Payments (Cards) section if your flow requires the SDK to initiate payments directly. In this model, the SDK handles the payment trigger and communicates downstream to the Hyperswitch server and your chosen Payment Service Providers (PSPs). This path is ideal for supporting dynamic, frontend-driven payment experiences.

One-Time Payment Patterns

1. Instant Payment (Automatic Capture)

Use Case: Simple, immediate payment processing

Endpoint: POST /payments

Required Fields:

• confirm: true

• capture_method: "automatic"

• payment_method

Final Status: succeeded

2. Two-Step Manual Capture

Use Case: Deferred capture (e.g., ship before charging)

Flow:

1. Authorize: POST /payments with capture_method: "manual"

2. Status: requires_capture

3. Capture: POST /payments/{payment_id}/capture

4. Final Status: succeeded

Read more: here

3. Fully Decoupled Flow

Use Case: Complex checkout journeys with multiple modification steps. Useful in headless checkout or B2B portals where data is filled progressively.

Endpoints:

• Create: POST /payments

• Update: POST /payments/{payment_id}

• Confirm: POST /payments/{payment_id}/confirm

• Capture: POST /payments/{payment_id}/capture (if manual)

4. 3D Secure Authentication Flow

Use Case: Enhanced security with customer authentication

Additional Fields:

• authentication_type: "three_ds"

Status Progression: processing → requires_customer_action → succeeded

Read more: here

Recurring Payments and Payment Storage

1. Saving Payment Methods

During Payment Creation:

• Add setup_future_usage: "off_session" or "on_session"

• Include customer_id

• Result: payment_method_id returned on success

Understanding setup_future_usage:

• on_session: Use when the customer is actively present during the transaction. This is typical for scenarios like saving card details for faster checkouts in subsequent sessions where the customer will still be present to initiate the payment (e.g., card vaulting for e-commerce sites).

• off_session: Use when you intend to charge the customer later without their active involvement at the time of charge. This is suitable for subscriptions, recurring billing, or merchant-initiated transactions (MITs) where the customer has pre-authorized future charges.

2. Using Saved Payment Methods

Steps:

1. Initiate: Create payment with customer_id

2. List: Get saved cards via GET /customers/payment_methods

3. Confirm: Use selected payment_token in confirm call

PCI Compliance and payment_method_id

Storing payment_method_id (which is a token representing the actual payment instrument, which could be a payment token, network token, or payment processor token) significantly reduces your PCI DSS scope. Hyperswitch securely stores the sensitive card details and provides you with this token. While you still need to ensure your systems handle payment_method_id and related customer data securely, you avoid the complexities of storing raw card numbers. Always consult with a PCI QSA to understand your specific compliance obligations.

Recurring Payment Flows

3. Customer-Initiated Transaction (CIT) Setup

Read more: here

4. Merchant-Initiated Transaction (MIT) Execution

Read more: here

Status Flow Summary

Notes

• Terminal States: succeeded, failed, cancelled, partially_captured are terminal states requiring no further action

• Capture Methods: System supports automatic (funds captured immediately), manual (funds captured in a separate step), manual_multiple (funds captured in multiple partial amounts via separate steps), and scheduled (funds captured automatically at a future predefined time) capture methods.

• Authentication: 3DS authentication automatically resumes payment processing after customer completion

• MIT Compliance: Off-session recurring payments follow industry standards for merchant-initiated transactions