How to receive instant payment by credit card?

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Well, these days I had to refuse a site and application proposal, because they needed to have a form of payment by the application/ site where it should be approved instantly, so that the order was already delivered. I was working with pagseguro using transparent checkout, but he confirms payment in:

Credit Card - up to 2 working days after payment, if extend

And looking a little further, I saw the mercadopago, that for credit card says instant approval. I wonder if there is another alternative to instant payment

php android api online-payment
  • 1

    There’s Paypal, it’s instant (except for the Digital Check! ). In my opinion it is the best of all, has several ways to implement, is used and supported by several countries (some have different resources), by me much better than the rest (Pagseguro, Mercadopago). It approves the payment on time or will give an error to the user, simple like this. The seller (Paypal holder) will receive the money immediately as well, there is no "outstanding balance" as in Mercadopago, except if Paypal believes that your business is at risk (so can limit X% to be retained for X days).

  • This depends a lot on the operator and how this control is done by it. If the customer has money in account the payment is confirmed on today. At least with Cielo it is so. There is a ready-made example that works exactly the way you need it. Take a look at this link: https://datafacilinformatica.com.br/script-para-payingphp-paying with credit cards/ I hope I helped you.

2 answers

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Instant payment will be a little difficult to achieve, as for security payment systems (also called gateway) adopt some security measures that help keep buying and selling secure, this may take a few minutes to a few hours, because depending on the holder and card information may require a confirmation via phone call or SMS.

I already use Pagseguro and I have payments via card almost approved immediately (takes about minutes), the period of 2 working days is "UP" as mentioned by you: "Credit Card - within 2 working days after payment, it can be extended"

It does not mean it will be 2 business days, but it can occur UP to 2 business days, Paypal adopts a similar measure, in other words for online sales the best you will get is confirmation in minutes (not on time unfortunately)

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In Brazil there is no electronic payment company that does this! They always ask for 2 days be it Paypal, Mercadopago, Pagueseguro and even Bcash/Payu! Because in addition to verifying that the card used is not cloned or defrauded any transaction involving card until passing from the card Adm to the financial institution takes 24 to 48 hours!

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