JustOn can store credit card or bank account data and use it to automatically collect payments for open invoices.
For credit card-based payments, the payment collection requires a payment provider integration with support for pre-authorized payment transactions.
The payment collection is available as of JustOn 2.53.
The JustOn Self-Service Extension includes a payment page. It provides invoice recipients the option to pay their invoices. To this end, the JustOn Self-Service Extension integrates with payment service providers.
General payment workflow
Assume a merchant's org that integrates the JustOn Self-Service Extension with a payment service provider. The payment page is set up to provide invoice recipients (as payment guest users) the option to pay their invoices.
General payment workflow
(1) The invoice recipient (as payment guest user) clicks Pay Now for one of the available payment providers.
- This displays an input form that allows to enter the banking details.
- The user clicks the pay button on the input form.
(2) Upon receiving the payment request, the payment provider validates the data.
(3) On successful validation, the payment provider captures the payment amount in the user's bank. Otherwise, the payment provider returns an error, which is displayed in the input form.
(4) The payment provider notifies JustOn about the capture result.
- If the capture is successful, JustOn creates a Balance record for the captured amount, and displays the success message. The balance field
TransactionNois set to a provider-specific transaction number for this capture.
- If the capture is not successful, JustOn creates a Payment Entry record that holds the provider-specific information about the failed capture, and displays an error message.
(5) On the next settlement date, the user's bank transfers the captured amount to the payment provider. Subsequently, the payment provider passes the amount to the merchant's bank.
Depending on the payment provider you use, the JustOn Self-Service Extension can expose the Future Payments option on the payment page. Future payments make use of provider-specific means to pre-authorize and execute recurring charges (or other subsequent payments) without the need to repeatedly prompt users for card or account numbers.
With the future payments feature enabled, JustOn creates an account-specific Payment Instrument record, which holds the corresponding credit card or bank account information. The payment instrument records are accessible via the corresponding related list on the account detail page.
Based on the saved payment instruments, JustOn can execute payment runs in order to automatically collect pre-authorized subsequent payments (except for invoices with the payment method
Payment Collection Workflow
In broad outline, the automatic payment collection usually works as follows:
- A first invoice is issued to the customer.
- The customer pays for the invoice via credit card and allows to store the card data for future use. JustOn saves the card data in an account-specific payment instrument.
- A second invoice is issued to the customer: The customer is notified that the payment is collected automatically using the stored card data.
Once the payment due date has been reached, the payment run job collects the payment using the stored payment instrument, creates a corresponding balance and sets the invoice
Invoices with the payment method
Bank Transferare excluded from the automatic payment collection.
Postponing the payment due date for an invoice suspends applicable payment collections for the specified time.
Be aware that by default, there is no option for your users to disable the automatic payment collection after they have opted to use future payments. If required or on your user's request, you deactivate individual payment instruments manually (see How to disable payment instruments?). Make sure to establish according business processes.
Be also aware that JustOn allows a maximum of three failing payment instrument-based payment requests. With the fourth failed attempt, JustOn disables the payment instrument. If the fourth attempt succeeds, however, JustOn resets the retry count, allowing for three failing payment requests again.