Payment confirmation
A payment confirmation is the message to Comerciante and buyer that a transaction has been successfully authorized and processed.
Payment confirmation
The payment confirmation informs all parties involved that a transaction has been successfully processed. For buyers, it appears as a confirmation page during checkout or as an email. For Comerciantes, it arrives as a webhook notification from the PSP or as a status change in the Dashboard.
Technically, the payment confirmation is triggered by the PSP as soon as the authorization is successful. For payment methods with real-time authorization (credit cards, TWINT), the confirmation occurs within seconds. For asynchronous methods (bank transfer, QR-bill), the confirmation can take hours or days — it only occurs after the payment has been received.
The webhook is crucial for integration: the PSP sends an HTTP message to the URL defined by the Comerciante as soon as the payment status changes (e.g. from 'pending' to 'confirmed'). The ERP or shop system can then automatically release the order, trigger shipment, or update the accounting.
Payment confirmation examples
A customer pays via Visa. The PSP sends a webhook to the online shop, which automatically marks the order as 'paid'.
After a successful TWINT payment, the customer receives a confirmation page in the shop and an email with the order overview.
In the case of a QR-bill, the payment confirmation is only triggered once the bank transfer has been received and matched via CAMT.054.
Payment confirmation FAQ
What is a payment confirmation?
A payment confirmation is the message that a transaction was successfully processed. Buyers receive it as a confirmation page or email, Comerciantes as a webhook notification from the PSP.
How fast does the payment confirmation arrive?
Within seconds for credit cards and TWINT. In the case of bank transfers and QR-bills only after receipt of payment — typically 1–2 bank business days.
What is a webhook for payments?
A webhook is an automatic HTTP notification from the PSP to the comerciante as soon as the payment status changes. This enables automatic order processing without manual verification.
What happens if the payment confirmation is not received?
If the confirmation is not received, the shop status should remain 'pending' and the goods should not be shipped. The PSP Dashboard and webhooks help to check the payment status. For asynchronous methods, a check after 2–3 days may be useful.
