The following diagram shows an overview of the payment flow and the payment stages.<\/p>\n
![\"\"](\"\/user\/pages\/docs\/07.issuing\/23.payment-stages\/payment-stages.svg?decoding=auto&fetchpriority=auto\")
<\/p>\n
This page provides information about payment stages and how these affect funds in the balance account. When you are already familiar with payment stages, you can refer to Payment-related events<\/a> for specific webhook types and examples.<\/p>\n When a cardholder pays with an Adyen-issued card, the processing merchant sends a payment request to the card issuer (Adyen). When Adyen receives the payment request, we send the balancePlatform.transfer.created<\/a> webhook that contains information about the received payment request, such as the amount and which merchant initiated the payment.<\/p>\n When the processing merchant sends a payment authorisation request to the card issuer, Adyen approves or declines the payment based on your relayed authorisation decision<\/a>, the outcome of transaction rules<\/a>, and other validations<\/a>. Adyen sends a balancePlatform.transfer.updated<\/a> webhook to inform your server of the payment authorisation request and of the result.<\/p>\n When the payment is authorised, the payment amount is reserved but not yet deducted from the balance account. When you check the balance account details, the payment amount is reflected as a reserved<\/a> amount.<\/p>\n The processing merchant can then proceed to capture the payment, cancel the payment, or let the authorisation expire.<\/p>\n The processing merchant may adjust the previously authorised amount, for example, to add a tip when the cardholder pays at a restaurant. In this case, Adyen triggers a balancePlatform.transfer.updated<\/a> webhook to inform your server of this event.<\/p>\n A payment authorisation expires when the processing merchant fails to capture the payment after the set expiry period of 7 days. In the balance account, the previously reserved<\/a> amount is added back to the available<\/a> amount.<\/p>\n Adyen triggers a balancePlatform.transfer.updated<\/a> webhook to inform your server of this event.<\/p>\n The processing merchant can cancel a payment authorisation up until the moment the funds are captured. In the balance account, the previously reserved<\/a> amount is added back to the available<\/a> amount.<\/p>\n Adyen triggers a balancePlatform.transfer.updated<\/a> webhook to inform your server of this event.<\/p>\n The processing merchant can capture the authorised amount in full or in parts (partial captures). Capture is when the authorised amount is deducted from the balance account. In case of partial captures, the authorised but not yet captured amount can still expire<\/a> or be canceled<\/a>.<\/p>\n In the balance account, the payment amount previously reflected as a reserved<\/a> amount is now deducted from the balance<\/a>.<\/p>\nPayment request received<\/h2>\n
Payment authorised<\/h2>\n
Authorisation adjusted<\/h3>\n
Authorisation expired<\/h3>\n
Authorisation canceled<\/h3>\n
Payment captured<\/h2>\n
![\"\"](\"\/user\/pages\/docs\/07.issuing\/23.payment-stages\/refund.svg?decoding=auto&fetchpriority=auto\")
<\/p>","url":"https:\/\/docs.adyen.com\/pt\/issuing\/payment-stages","articleFields":{"description":"Learn about the payment stages and when funds are added to or deducted from the balance account.","next_steps":[{"title":"Configure authorisation","description":"Approve or decline payments by using transaction rules or relayed authorisation.","url":"\/issuing\/authorisation","required":true},{"title":"Set up webhooks","description":"Receive payment updates through webhooks.","url":"\/development-resources\/webhooks\/configure-and-manage","required":true},{"title":"Payment-related events","description":"Learn which webhook types to expect.","url":"\/issuing\/webhook-types\/payment-events","required":true}],"last_edit_on":"06-12-2019 14:44","parameters":{"directoryPath":"\/issuing"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/issuing\/payment-stages","title":"Payment stages","content":"Each payment on the Balance Platform goes through a series of events. Most of the events are triggered by the processing merchant, the business that processed the card payment. These events then result in funds being deducted from or added to the balance account. We inform you of these events through:\n\nWebhooks\nThe Transfers page in your Customer Area.\n\nThe following diagram shows an overview of the payment flow and the payment stages.\n\nThis page provides information about payment stages and how these affect funds in the balance account. When you are already familiar with payment stages, you can refer to Payment-related events for specific webhook types and examples.\nPayment request received\nWhen a cardholder pays with an Adyen-issued card, the processing merchant sends a payment request to the card issuer (Adyen). When Adyen receives the payment request, we send the balancePlatform.transfer.created webhook that contains information about the received payment request, such as the amount and which merchant initiated the payment.\nPayment authorised\nWhen the processing merchant sends a payment authorisation request to the card issuer, Adyen approves or declines the payment based on your relayed authorisation decision, the outcome of transaction rules, and other validations. Adyen sends a balancePlatform.transfer.updated webhook to inform your server of the payment authorisation request and of the result.\nWhen the payment is authorised, the payment amount is reserved but not yet deducted from the balance account. When you check the balance account details, the payment amount is reflected as a reserved amount.\nThe processing merchant can then proceed to capture the payment, cancel the payment, or let the authorisation expire.\nAuthorisation adjusted\nThe processing merchant may adjust the previously authorised amount, for example, to add a tip when the cardholder pays at a restaurant. In this case, Adyen triggers a balancePlatform.transfer.updated webhook to inform your server of this event.\nAuthorisation expired\nA payment authorisation expires when the processing merchant fails to capture the payment after the set expiry period of 7 days. In the balance account, the previously reserved amount is added back to the available amount.\nAdyen triggers a balancePlatform.transfer.updated webhook to inform your server of this event.\nAuthorisation canceled\nThe processing merchant can cancel a payment authorisation up until the moment the funds are captured. In the balance account, the previously reserved amount is added back to the available amount.\nAdyen triggers a balancePlatform.transfer.updated webhook to inform your server of this event.\nPayment captured\nThe processing merchant can capture the authorised amount in full or in parts (partial captures). Capture is when the authorised amount is deducted from the balance account. In case of partial captures, the authorised but not yet captured amount can still expire or be canceled.\nIn the balance account, the payment amount previously reflected as a reserved amount is now deducted from the balance.\nAdyen triggers a balancePlatform.transfer.updated webhook to inform your server of this event. In case of multiple partial captures, Adyen also sends multiple webhooks—one for each capture request.\nPayment refunded\nThe cardholder may ask to get their funds back. When the processing merchant initiates a refund, Adyen triggers a balancePlatform.transfer.updated webhook to inform your server of the refund request.\n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Adyen Issuing","lvl2":"Payment stages"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/issuing","lvl2":"\/pt\/issuing\/payment-stages"},"levels":3,"category":"Issuing","category_color":"green","tags":["Payment","stages"]},"articleFiles":{"payment-stages.svg":"![\"\"](\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.issuing\/23.payment-stages\/payment-stages.svg?decoding=auto&fetchpriority=auto\")
","refund.svg":"![\"\"](\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.issuing\/23.payment-stages\/refund.svg?decoding=auto&fetchpriority=auto\")
"}}