{"section":"tutorials","requestedLocale":"en","requestedSlug":"post-purchase-payment-operations","locale":"en","slug":"post-purchase-payment-operations","path":"docs/en/tutorials/payments/payments-overview/post-purchase-payment-operations.md","branch":"main","content":"Post-purchase payment operations occur after an order is approved and can be of three types: settlement, cancellation, and refund.\n \nThe behavior of these operations depends on the processing mode configured for each connector in the VTEX Gateway, which can be:\n\n- [Total mode](#total-mode)\n- [Hold mode](#hold-mode)\n- [Partial mode](#partial-mode)\n\n> ℹ️ A single account (store) can have connectors configured with different modes within VTEX Gateway — for example, one connector in **Partial mode** and another in **Hold mode**. When a transaction involves multiple connectors using different modes, such as **Hold** and **Partial**, the system automatically switches to **Total mode** to ensure consistency and integrity in the payment process.\n\n## Overview of processing modes\n\nThe table below shows the general behavior of each operation in the different modes:\n\n\n| Operation | Total mode | Hold mode | Parcial mode |\n| :---: | :--- | :--- | :--- |\n| **Settlement** | Always sends a settlement request to the connector for the order total, even if the merchant requested a lower amount. | Internally holds requests for amounts lower than the total. Sends the settlement request to the connector only when the total amount is reached. | Sends the amount requested in each settlement operation to the connector. |\n| **Cancellation** | Internally holds requests for partial cancellations. Sends the cancellation request to the connector only when the total amount is reached. | Internally holds requests for partial cancellations. Sends the cancellation request to the connector only when the total amount is reached. | Sends the exact amount requested in each cancellation operation to the connector. |\n| **Refund** | Sends the exact amount requested in each refund operation to the connector. | Sends the exact amount requested in each refund operation to the connector. | Sends the exact amount requested in each refund operation to the connector. |\n\n> ⚠️ The mode selected for each connector consistently defines how settlement, cancellation, and refund operations behave. You can't combine the behaviors of different modes in the same connector simultaneously.\n\n## Operation flow by mode\n\nThe following examples and diagrams show how each processing mode works in settlement, cancellation, and refund operations. For simplicity, all the examples use a $100 order.\n\n> ⚠️ The **Total mode** is the default behavior used in VTEX stores. If the **Hold** or **Partial** modes are more suitable for your business strategy, contact [VTEX Support](https://help.vtex.com/docs/tutorials/opening-tickets-to-vtex-support#technical-support) para solicitar a alteração da configuração da sua loja.\n\n## Total mode\n\n### Settlement\n\n1. The merchant requests a settlement of $20 from the gateway\n2. The gateway requests a settlement of $100 from the connector\n3. The merchant requests settlement of the remaining order amount ($80) from the gateway\n4. The gateway doesn't communicate with the connector, as the total order amount has already been requested\n\n\n\n### Cancellation\n\n1. The merchant requests the cancellation of $20 from the gateway\n2. The gateway doesn't communicate with the connector\n3. The merchant requests cancellation of the remaining order amount ($80) from the gateway\n4. The gateway requests the cancellation of $100 from the connector\n\n\n\n### Refund\n\n1. The merchant requests a refund of $20 from the gateway\n2. The gateway requests a refund of $20 from the connector\n3. The merchant requests a refund of the remaining order amount ($80) from the gateway\n4. The gateway requests a refund of the remaining order amount ($80) from the connector\n\n\n\n> ℹ️ The connector will only carry out a refund operation if the requested amount has already been settled previously.\n\n\n## Hold mode\n\n### Settlement\n\n1. The merchant requests a settlement of $20 from the gateway\n2. The gateway doesn't communicate with the connector\n3. The merchant requests settlement of the remaining order amount ($80) from the gateway\n4. The gateway requests a settlement of $100 from the connector\n\n\n\n### Cancellation\n\n**Example 1**: Cancellation of the order total\n\n1. The merchant requests the cancellation of $20 from the gateway\n2. The gateway doesn't communicate with the connector\n3. The merchant requests cancellation of the remaining order amount ($80) from the gateway\n4. The gateway requests the cancellation of $100 from the connector\n\n\n\n**Example 2**: Cancellation of a partial order amount\n\n1. The merchant requests the cancellation of $20 from the gateway\n2. The gateway doesn't communicate with the connector\n3. The merchant requests settlement of the remaining order amount ($80) from the gateway\n4. The gateway requests a settlement of $80 from the connector\n5. The amount of $20 remains canceled in the gateway, but isn't reflected in the connector\n\n\n\n### Refund\n\n1. The merchant requests a refund of $20 from the gateway\n2. The gateway requests a refund of $20 from the connector\n3. The merchant requests a refund of the remaining order amount ($80) from the gateway\n4. The gateway requests a refund of the remaining order amount ($80) from the connector\n\n\n\n> ℹ️ The connector will only carry out a refund operation if the requested amount has already been settled previously.\n\n## Partial mode\n\n> ⚠️ For orders paid with multiple payment methods, the system initially processes the operation using the method with the lowest amount assigned to the transaction.\n\n### Settlement\n\n1. The merchant requests a settlement of $20 from the gateway\n2. The gateway requests a settlement of $20 from the connector\n3. The merchant requests settlement of the remaining order amount ($80) from the gateway\n4. The gateway requests the settlement of the remaining order amount ($80) from the connector\n\n\n\n### Cancellation\n\n1. The merchant requests the cancellation of $20 from the gateway\n2. The gateway requests the cancellation of $20 from the connector\n3. The merchant requests the cancellation of the remaining order amount ($80) from the gateway\n4. The gateway requests the cancellation of the remaining order amount ($80) from the connector\n\n\n\n### Refund\n\n1. The merchant requests a refund of $20 from the gateway\n2. The gateway requests a refund of $20 from the connector\n3. The merchant requests a refund of the remaining order amount ($80) from the gateway\n4. The gateway requests a refund of the remaining order amount ($80) from the connector\n\n\n\n> ℹ️ The connector will only carry out a refund operation if the requested amount has already been settled previously.\n\n\n## Choosing the best mode\n\nThe mode configured in the account may affect the store financial flow, operational costs, and customer post-purchase experience.\n\nBefore requesting any changes, assess how each option behaves regarding settlement, cancellation, and refund, and choose the one that best fits your operation strategy.\n\n> ⚠️ **Partial mode** requires the payment connector to support multiple partial operations. This mode isn't compatible with [payment split](https://help.vtex.com/docs/tutorials/split-payment).\n\n| Mode | Recommended for | Advantages| Limitations |\n| :---: | :--- | :--- | :--- |\n| **Total** | Stores that want to process settlements quickly after order approval. | - Reduces the time between approval and fund transfer.
- Ideal for merchants who prefer immediate settlement.
| - May incur high refund fees if amounts that have been already settled need to be refunded.
- Doesn't support partial settlements.
|\n| **Hold** | Stores that wait for multiple confirmations, such as invoices from various sellers, before settling the total amount. | - Supports [payment split](https://help.vtex.com/docs/tutorials/split-payment), allowing item and amount changes in an order with multiple sellers, if needed.
- Avoids refund costs, as it only settles when the total amount is reached.
- Centralizes information transmission to the connector, reducing intermediary transactions.
| - For orders involving multiple sellers, settlement takes place only after all invoices have been issued.
- Doesn't support partial settlements.
|\n| **Partial** | Stores that operate with frequent settlements, cancellations, or partial refunds. | - Allows multiple partial settlement and cancellation operations.
- For orders with multiple sellers, it enables partial settlement without waiting for all sellers.
- May avoid additional refund fees.
| - Doesn't support [payment split](https://help.vtex.com/docs/tutorials/split-payment).
- Requires the connector to support multiple operations.
- Requires greater operational control.
|"}