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Process Payments with Unified Checkout

Payment processing is a payment completion option in your merchant configuration. Your configuration determines whether your checkout system automatically handles and finalizes customer payments. You enable or disable payment processing on the Customer information and payment flow screen — see Configure Customer Data and Payment Flow.

Payment Processing Enabled

When you enable payment processing, Unified Checkout handles the complete payment for you automatically. recommends that you enable payment processing if:

  • Your integration is configured with the payment completion step (completeMandate()). For more information, see the JavaScript Reference.
  • You do not have a designated technical team to process payments.
  • Your integration includes fraud checks with or , 3-D Secure or Payer Authentication, stored customer credentials with , or multiple payment methods.

When payment processing is enabled, choose how payments are handled:

  • Preferred Authorization: the payment is authorized first and captured later. This method works well for businesses that ship products, such as authorizing when a customer places an order and capturing the payment when you ship it.
  • Sale: the payment is captured immediately. This method works well for service businesses, digital products, and immediate purchases.

Payment Processing Disabled

When you disable payment processing, Unified Checkout collects payment information from your customers, but you must process the payment yourself using your own API requests. recommends that you disable payment processing if:

  • You want to process payments using your own API requests instead of the automatic payment completion step.
  • You want full control over your checkout and payment orchestration flow.
  • You use Unified Checkout only to collect encrypted payment information, and you handle authorization, sale, fraud checks, 3-D Secure, and card storage through platform APIs or your own back end.

When payment processing is disabled, consider these points:

  • Customer payments are not completed automatically.
  • Fraud checks and 3-D Secure through automatic orchestration are disabled.
  • Saved credentials and token management through automatic processing are disabled.
  • You must handle payment completion yourself.

Last published: September 29, 2026