The GoPay payment gateway makes it possible to carry out a pre-authorised card payment. This function works very well, for example, for pre-orders of goods where stock availability may be reduced.

For the buyer, the payment is completely standard. The money in the client's account is blocked just as if the payment had been made. Depending on the availability of the goods, the merchant can then decide either to accept the payment, in which case the money is taken from the client, or to reject the payment, in which case the money in the client's account is unblocked.

Timeline of using the pre-authorised payment function

T0 – T1 At this point the payment is created in the GoPay system and the customer pays the pre-authorised payment.

T1 – T2 The period during which the merchant can capture the payment or cancel the pre-authorisation.

T2 The moment when the money is definitively captured or the pre-authorisation is cancelled.

Ta An example where the pre-authorisation is captured in the period between the events in time intervals T1 and T2 and the merchant can send the goods to the client.

​