Here you will find answers to the most frequently asked questions about deferred payments.
Deferred payments at GoPay
What are deferred payments?
Deferred payments are a payment method that allows customers to buy goods or services and pay for them later, usually within a period set in advance. GoPay has extended this service through cooperation with Twisto and Skip Pay.
In addition to a classic deferred payment, they also offer payment in thirds, where the customer splits the payment into three instalments. This method is designed to make buying immediately easier without having to pay the whole amount straight away.Which deferred payments does GoPay support?
GoPay currently supports deferred payments in cooperation with the Twisto and Skip Pay services. Customers can use both classic deferred payments and the option of splitting the payment into three
instalments, i.e. payment in thirds.
How do deferred payments work at GoPay?
The principle is as follows:
Selecting the deferred payment: When making a purchase, the customer selects the deferred payment option (Twisto or Skip Pay) at the GoPay payment gateway.
Approval of the payment: Once selected, the payment is immediately approved by the service provider (Twisto or Skip Pay), which takes on the payment obligation towards the customer and at the same time sends GoPay funds in the amount of the payment.
Settlement: The merchant receives the money for the purchase from GoPay during the standard settlement, as with the other payment methods.
Payment by the customer: The customer repays the amount directly to the deferred payment provider (Twisto or Skip Pay) under the terms of the contract – either in one go after a certain period, or in three instalments, for example.
You therefore learn the result of the payment immediately through an online notification. You will be able to dispatch the goods paid for straight away. We will send you the funds received to your bank account as usual as part of the settlement.
Everything works just as fast as with a card payment or a bank transfer. Twisto or Skip Pay handle the repayment of the payment with the customer, and the repayment has no effect on the payment status notification or on your settlement.
How much do deferred payments cost at GoPay?
Deferred payment with Twisto and Skip Pay: 0.89 % per transaction. Payment in thirds with Twisto and Skip Pay: 1.99 % per transaction.
Can I offer Twisto and Skip Pay at the same time?
Yes, you can offer both deferred payment methods, Twisto and Skip Pay, at the same time through GoPay. Both services are integrated into the GoPay payment gateway, which lets you give customers the option of choosing their preferred deferred payment provider.
How quickly do I learn that a deferred payment has gone through?
You learn whether a deferred payment (Twisto or Skip Pay) has gone through successfully immediately, in real time.
As soon as the customer completes the deferred payment process at GoPay, the system immediately gives you the information that the payment has been approved and successfully processed, via a payment status notification.
As with the other payment methods through GoPay, this information is displayed in the GoPay business account administration. There you will see the details of the payment, including the fact that it was a deferred payment, and the payment will be included in the standard settlement.
What do I have to meet in order to offer deferred payments?
To be able to offer deferred payments through GoPay (Twisto and Skip Pay) in your e-shop, you have to meet the following requirements:
Have an active GoPay payment gateway: The first step is to have a GoPay business account set up and activated, including the payment gateway implemented on your e-shop. If you do not have an account yet, you have to go through the process of registering and activating the payment gateway.
Implementing the payment method: Once the contract is approved, you have to implement support for deferred payments technically in your e-shop. This usually involves updating the payment methods in the GoPay administration and deploying the necessary code so that Twisto and Skip Pay are displayed as payment options.
Compliance with the providers' requirements: Deferred payment providers such as Twisto and Skip Pay may have certain requirements as to the types of goods and services that can be offered with these methods. Some categories of goods may be excluded from deferred payment. It is therefore important to check whether what you offer complies with these providers' rules.
I want deferred payments – do I have to sign a contract again?
If you already have the payment gateway active, you do not. Existing merchants can activate deferred payments without having to sign any further documents. Activating deferred payments (Twisto and Skip Pay) is simply a matter of setting this function up in the GoPay administration, or contacting technical support for help with the integration.
Which currencies are deferred payments available in?
Twisto and Skip Pay deferred payments are available at GoPay in CZK. Skip Pay Payment in thirds is newly available in EUR for the Slovak market.
What payment amounts are deferred payments suitable for?
Deferred payments through Twisto and Skip Pay are ideal for medium to higher payments that can be harder for customers to fit into their budget in one go. They are typically used for purchases of between CZK 1,000 and CZK 15,000, but the exact limits may depend on the specific offer of the individual payment providers.
Below we give an overview of the payment limits based on the settings of Twisto and Skip Pay:
Twisto limits
Twisto | Deferred payment | Purchase in thirds | Customer with a Twisto account |
maximum payment amount | up to CZK 25,000 | CZK 1,000 – 25,000 (statutory limit) | up to CZK 100,000 |
due date | 30 days | 60 days | 60 days |
Skip Pay limits
Skip Pay | Deferred payment | Purchase in thirds |
maximum payment amount | up to CZK 10,000 | CZK 1,000 – 60,000 |
due date | 30 days | 60 days |
Skip Pay EUR limits
Skip Pay | Purchase in thirds |
maximum payment amount | EUR 30 – 3,000 |
due date | 60 days |
How to launch deferred payments at GoPay
What should I do if I want to integrate deferred payments?
To integrate the payment methods you need to make sure you meet the following:
If you use one of our SDKs, update it to the latest version. Make sure you are using a version of the programming language that is compatible with it.
If you let the customer select the payment method as early as the basket, you need to add the new payment methods
TWISTOandSKIPPAY, see https://doc.gopay.cz/#payment-instrumentIf you store the order's payment method in your system, you need to allow for the new payment methods – they will also be returned in the payment status query, see https://doc.gopay.cz/#dotaz-na-stav-platby
You can also let the customer pre-select a specific way of paying (deferred payment, payment in thirds) – you will find instructions at https://doc.gopay.cz/#urceni-typu-odlozene-platby
If you query the allowed payment methods (https://doc.gopay.cz/#povolene-platebni-metody), you need to allow for the new payment group
bnpland for theenabledBnplTypesparameters for BNPL payment methods.
How do I activate deferred payments?
You launch deferred payments in two steps.
1. Make sure your integration supports deferred payments
If you use your own GoPay integration, it needs to be extended to cover deferred payments. You will find the procedure in the article How do I integrate deferred payments?
If you use an e-shop platform such as Shoptet with a ready-made GoPay integration, its operator needs to add deferred payments. You will find a list of platforms with a GoPay integration that support deferred payments in the article Which solutions support deferred payments?
Do you offer all the payment methods only at the payment gateway? Then you do not have to change anything and your solution is ready for deferred payments. For help with the integration, write to our technical support at [email protected].
2. Activate deferred payments in your business account
Once you are sure you support deferred payments technically, activate deferred payments in the payment method settings in your business account. Deferred payments will be active on your portal immediately afterwards.